The HDFC ERGO Bike Insurance ensures a seamless and hassle-free claim process. If you meet with an unfortunate accident, you are likely to end up shelling out large amounts for the repair work of your vehicle. An insurance policy protects you from such expenses and offers several other benefits as well. Let’s get to know more about the HDFC ERGO Bike Insurance claim process and other related details.
The HDFC ERGO motor claim registration process is absolutely quick and hassle-free. All you have to do is follow the steps mentioned below-
To file a claim for your HDFC ERGO bike insurance, you need to first register it. This can be done by connecting directly with HDFC ERGO through Finserv MARKETS.
Share all the required documents and details like accident location, two-wheeler registration number, personal details etc.
Once the claim is registered, the insurance company will send a surveyor to you. He will verify the condition of the damaged vehicle before sending it for repair work.
You can approach any of the insurance company’s network garages for getting your damaged vehicle fixed if you opt for a cashless claim. Also, you can get the repair work done in any garage and seek reimbursement for it.
Keep all the bills and receipts intact for future reference. Once these are evaluated and approved, the insurance company will release the amount in your account.
Cashless claims are truly wonderful. This process saves you from the trouble of directly paying for the expenses. When you opt for cashless claims, the cost of repairs incurred due to an accident is taken care of. Simply register your claim, take your damaged two-wheeler to the nearest network garage, pay your deductibles, and your HDFC ERGO bike insurance will take care of the remaining expenses.
To file a cashless claim on your HDFC ERGO two-wheeler insurance policy, just follow these simple steps:
Step 1: Find out their network garages on www.hdfcergo.com or call their toll-free no. for details, and you can get your vehicle towed to the nearest network garage.
Step 2: The surveyor will check all damages borne by the vehicle. Then, you will be required to fill the claim form and submit relevant documents. You will be updated via SMS/email regarding every stage in the HDFC ERGO bike insurance claim process.
Step 3: Once the vehicle is repaired, you’ve to pay your share of the claim, i.e. compulsory deductibles, depreciation etc., to the garage. The bulk of the balance would be settled by HDFC ERGO directly with the network garage.
Step 4: Lastly, you will receive the claims computation sheet with the entire break-up for your records.
While the cashless claim is ideal, it may not always be possible to find a network garage in the area where you have a vehicular breakdown or an accident. This is when the Reimbursement Claim process comes in to save the day. In such a case, inform HDFC ERGO about the situation immediately. You can get the repairs done once the repair request has been approved in accordance with your HDFC ERGO bike insurance. Then, share a copy of the invoice and payment receipt with the insurance company to get the reimbursement for the repair work done.
While the steps involved in filing a reimbursement claim are slightly different, they are equally simple to follow and lead to a quick result.
Step 1: Register for a claim on HDFC ERGO mobile app or toll-free helpline no. The surveyor will visit and assess all the damages/losses.
Step 2: Submit the duly filled and signed claim form along with the documents as mentioned in the form. Depending upon the case, you may be asked to provide your Driving Licence or RC. Simply share the copy of the invoice and payment receipt to reimburse the repair amount.
Step 3: Once complete documents are received, the claim would be processed. For the same, you will be updated through SMS/Email.
Step 4: The claims computation sheet that you will receive with the entire break-up of the expenses should be stored for your records.
An HDFC ERGO bike insurance policy offers you transparent and quick claims approval. But still, it’s imperative to understand why your claim can be rejected. Following are a few reasons for claim rejection-
Providing incorrect/false/invalid information
Reported damage or loss not covered in your policy
If the two-wheeler got damaged before the policy purchase
Malicious or illegal act to defraud the insurer
Claim request made outside the policy period
Quicker and easier due to its technology-driven customer experience
Renewal process is instant
Cashless claims can be availed
Policy document can be received in your email account instantly
Under the Comprehensive Bike Insurance, damage or loss to the insured vehicle, financial liabilities to third-party and accident cover for the policyholder is covered. Under the Third-Party insurance, only the damages caused to the third-party are covered.
Visit HDFC ERGO through Finserv MARKETS and register online by clicking on ‘Register a claim’.
Log in using your registered mobile number.
Click on ‘Claim Now’ on your policy card.
Your HDFC ERGO claim request will be assessed, and their Claims Expert will get back to you shortly.
In case of major damage, report the accident at the nearest police station, before the vehicle is removed from the spot, so that the spot inspection of damage can be organised.
For the same, you must ensure that your HDFC ERGO bike insurance policy is renewed within the required period and before expiry, as the NCB benefit may get forfeited thereafter.