Two-wheeler insurance is a critical aspect of owning a motorcycle or scooter, providing financial protection against unforeseen events such as accidents, theft, and natural disasters. It is essential for every two-wheeler owner to understand the claim process thoroughly to ensure a hassle-free experience during times of need. When it comes to making a bike insurance claim, having certain documents readily available is crucial, with the Registration Certificate (RC) and Driving License (DL) being the most important ones. This article explores the significance of these documents during the claim process and how they impact your claim settlement.
The importance of RC and DL in bike insurance claim
- Registration Certificate (RC):
The Registration Certificate is a vital document that establishes the ownership of your two wheeler insurance check and is issued by the regional transport office (RTO) after the vehicle is registered. During a bike insurance claim, the RC serves as proof that the two-wheeler is legally registered in your name. It contains essential details such as the vehicle’s engine and chassis number, manufacturing date, and the owner’s personal information.
When filing an insurance claim, the insurance company may request a copy of the RC to validate your ownership of the two-wheeler. Failure to present a valid RC can lead to claim rejection or delays in the settlement process. Therefore, it is imperative to keep your RC up to date and carry it with you whenever you ride your bike.
Driving License (DL):
Your Driving License is another crucial document needed while making a bike insurance claim. It acts as evidence that you are legally authorised to ride a two-wheeler on the road. Insurance companies will require your DL to confirm that you possess the necessary skills and qualifications to ride a motorcycle.
In case of an accident, having a valid DL ensures that you were legally permitted to ride, thereby reducing the chances of claim rejection due to unauthorised riding. It is essential to renew your DL on time and carry it whenever you are riding your bike to avoid any inconvenience during the claim process.
Advantages of purchasing two-wheeler insurance online:
With the advancement in technology, purchasing two-wheeler insurance online has become incredibly convenient and advantageous for bike owners. Here are some benefits of opting for online bike insurance:
- Easy comparison: Online platforms allow you to compare various insurance policies from different providers, helping you find the most suitable plan that meets your requirements and budget.
- Instant policy issuance: Buying two-wheeler insurance online provides the advantage of receiving your policy instantly via email. This saves time and ensures that you have coverage right away.
- Cost-effective: Online insurance plans often come with lower premiums due to reduced administrative costs. Moreover, you can avail of additional discounts and offers, further reducing the overall cost.
- Hassle-free renewals: Renewing your bike insurance policy online is a seamless process. Most insurers send timely reminders, ensuring that you don’t miss the renewal date.
Benefits of opting for third-party bike insurance:
When it comes to two-wheeler insurance, there are primarily two types of policies: third-party bike insurance and comprehensive bike insurance. While comprehensive insurance provides coverage for both third-party liabilities and own-damage, third-party insurance covers only damages and injuries caused to a third party.
- Cost-effective: Third-party bike insurance is significantly cheaper than comprehensive insurance, making it an attractive option for budget-conscious individuals.
- Legal compliance: As per the Motor Vehicles Act, it is mandatory for all two-wheeler owners to have at least third-party bike insurance. Opting for third-party insurance ensures that you comply with the legal requirements.
- Simplicity and quick processing: Third party insurance involves a straightforward claim process, making it easier and quicker to settle claims in case of an accident involving a third party.
In conclusion, having the Registration Certificate (RC) and Driving License (DL) readily available during a bike insurance claim is essential to ensure smooth claim settlement. These documents act as evidence of ownership and authorised riding, respectively. Additionally, purchasing two-wheeler insurance online provides several advantages, such as easy comparison, instant policy issuance, and cost-effectiveness.