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Can I Claim Bike Insurance Twice a Year?

Can you claim bike insurance twice a year? YES. Absolutely! But the real question is: Should you?

While there are no specific restrictions on the number of motor insurance claims one can file annually, it’s essential to understand the potential implications on your No Claim Bonus (NCB) and the premium amounts during policy renewal.

In this post, we’ll guide you through the claim process, shed light on considerations for multiple claims, and provide alternatives to frequent claims. We want to empower you to make well-informed decisions about your bike insurance and ensure you maximise the benefits while keeping your finances intact.

How many bike insurance claims can you make in a year?

When it comes to the frequency of bike insurance claims, there is a common misconception that you can only claim insurance once a year. 

However, that’s not the case. 

In reality, there are no specific limitations on the number of motor insurance claims a policyholder can make in a year. 

The frequency of claims depends on various factors, such as the nature of accidents, damages, and individual circumstances. Insurers typically assess every claim on its own merits. However, it’s important to note that making multiple claims can impact your No Claim Bonus and increase premiums during policy renewal. 

Consequences of making multiple claims in a year

  • Loss of No Claim Bonus (NCB)
    • NCB is a discount offered at policy renewal for claim-free years.
    • Filing a claim during the policy period leads to the loss of accumulated NCB discounts.
    • Avoid filing claims for minor damages to preserve NCB.
    • Consider opting for an NCB protection add-on to safeguard NCB even after raising claims.
  • Increase in Premium Amount
    • Repeated claims prompt insurers to raise the premium amount during policy renewal.
    • Multiple claims increase insurers’ financial risk, resulting in higher premiums.
  • Reduced Compensations
    • Filing a claim for minor damages may result in inadequate compensation.
    • If the repair bill is lower than the mentioned deductibles, it is better to avoid filing a claim.
  • Limitations for Zero Depreciation Cover
    • Policyholders with zero depreciation cover may have restrictions on the number of claims allowed.
    • These limitations are in place to regulate the coverage provided under the policy.

Considering these consequences, policyholders should carefully evaluate the necessity of each claim. It is essential to weigh the potential impact on NCB, premium amounts, and compensations. By making informed decisions about when to file a claim, policyholders can effectively manage their bike insurance coverage and maximise the benefits provided by their policy.

What is the right time for filing a claim?

Determining the right time to file a bike insurance claim is crucial for policyholders. Here are certain tips to help you choose the appropriate timing:

  1. Consider No Claim Bonus (NCB): If the repair bill for damages is less than the NCB discount amount, it is advisable to avoid filing a claim. Doing so lets you maintain your NCB benefits and enjoy higher discounts during policy renewal.
  2. Evaluate Deductibles: Policyholders should refrain from filing a claim if the repair bill is lower than the deductibles specified in their policy. Insurers do not provide claim amounts for damages that do not exceed the deductible limit. In such cases, handling the repair expenses independently is more cost-effective.
  3. Third-Party Damage Responsibility: Bike owners need to have a third-party insurance cover or a liability-only cover as mandated by the Motor Vehicles Act 1988. Policyholders should not bear the repair costs in situations involving third-party damage if the third-party individuals are responsible. This ensures that the expenses resulting from damages caused by third parties get appropriately handled.

How to raise an insurance claim?

The bike insurance claim process involves several important steps:

  1. Notification: Inform your insurer immediately about the damage or incident, and if necessary, report it to the police.
  2. Documentation: Take photos of the damaged areas and accident site as evidence. Share these images with the surveyor during the inspection.
  3. Claim Form Submission: Fill out the claim form accurately and provide the required supporting documents, such as the Registration Certificate copy, tax receipt, DL, insurance papers, and FIR (if applicable).
  4. Claim Verification: The insurer will verify the information and may conduct an investigation or assessment through a surveyor to evaluate the damages.
  5. Compensation: Once the claim is verified, the insurer will determine the compensation based on your policy coverage. In cashless claims, the insurance provider settles the repair expenses directly with network garages. For reimbursement claims, you initially pay the repair bills and then submit them for reimbursement.

Documents needed to file a bike insurance claim

  • Claim Form
  • Bike’s RC (Registration Certificate) copy
  • Tax Payment Receipt
  • Driving License (DL)
  • Bike insurance paper
  • FIR (First Information Report) copy (in case of an accident or theft)

Alternatives to Frequent Claims

  • Prevention: Take preventive measures to reduce the need for multiple claims. This can include following traffic rules, practising defensive driving, and being vigilant on the road to avoid accidents.
  • Bike Safety: Follow bike safety tips to avoid accidents and theft.
  • Routine Maintenance: Regular maintenance and inspections help prevent damages and reduce the frequency of claims.


Policyholders must understand the nuances of bike insurance and the claim process. Individuals can make knowledgeable decisions by considering the impact of frequent motor insurance claims on factors like the NCB, premium amounts, and compensations. Additionally, staying updated on the bike insurance claim settlement ratio can guide policyholders in choosing the right insurance provider for their needs.

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