Claiming Third Party Two-wheeler Insurance

Claiming Third Party Two-wheeler Insurance

Third-party bike insurance is a simple type of two-wheeler insurance policy. It covers you against financial liabilities claimed by a third-party person, property or vehicle arising from an accident where the insured bike is at fault. Third-party two-wheeler insurance is compulsory as per the Motor Vehicles Act that helps cover losses & damages to a two-wheeler. There are two types of car insurance available in India, comprehensive insurance and third party insurance. Third-party car insurance shields the car owner against losses incurred from physical injuries, the death of a third party, or damage to the property of the injured person.

As per the Indian Motor Vehicles Act 1988, third party bike insurance is a mandate in India. Therefore, it’s necessary to have adequate insurance coverage for financial protection in the event of any liability arising from a third party. The whooping rise in road fatalities has furthered the importance of having insurance as it provides financial security under all adversities. As per figures reported by, the number of road deaths in India in the year 2019 crossed over 151 thousand.

Claim Procedure (if you are the victim):

  • Contact the police helpline number and inform them about the accident. Click pictures of the damage suffered by your two-wheeler and the accident spot as proof.
  • Note down details of the vehicle that damaged your bike, such as the registration number, make and model, the colour of the two-wheeler, etc.
  • Look for any witnesses who might have seen the accident taking place and note down their contact details.
  • Inform your two-wheeler insurance company about the accident. They might be able to help you in a difficult situation.
  • Register an FIR or First Information Report at a police station nearest to the accident spot that holds jurisdiction over the area.
  • File a case at the Motor Accidents Claims Tribunal in your city or jurisdiction over the accident spot.
  • On the date of hearing, prove that your bike was damaged by the third-party vehicle using relevant evidence and documents.
  • Once the court announces its decision in your favour, the motor insurer of the guilty third party person will pay compensation to you.

Claim Procedure (if you caused the damage):

  • Contact the police helpline number and inform them about the accident. Take pictures of the damaged vehicle or injured third party person on the accident spot as evidence.
  • Note down the contact details of the injured third party in the accident.
  • Find any witnesses who may have seen the accident taking place and take down their contact details.
  • File an FIR regarding the accident at the nearest police station holding jurisdiction over the area where the accident had occurred.
  • Notify your bike insurance company about the accident at the earliest. Submit all the required details and documents to your insurance provider. Register a case at the Motor Accidents Claims Tribunal in your city or covering the accident spot under its jurisdiction.
  • Keep a copy of all the conversations or emails held with the third party person to avoid any future discrepancies.
  • Once the Tribunal fixes the compensation amount, the third party will receive the claim amount.
  • In case the claim amount paid by your insurer is less than the compensation amount, pay the balance amount to the third party accident victim.

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