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Disclaimer:Tata Capital Limited (“TCL”) registered with IRDAI (License No. CA0896, valid till 21-Jan-2027), acts as a Corporate Agent “Composite” for Go Digit General Insurance Limited. Please note that, TCL does not underwrite the risk or act as an insurer. For more details on the risk factors, terms and conditions please read sales brochure carefully of the Insurance Company before concluding the sale. Participation to buy insurance is purely voluntary.

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Can You Claim Bike Insurance for Damages due to Natural Disasters?

Can You Claim Bike Insurance for Natural Disasters?

Natural disasters like floods, earthquakes, and storms may mercilessly destroy your two-wheeler, causing costly repairs or significant losses. Insurance companies cover such damages to protect your bike against mishaps.

Standard insurance, like third-party bike insurance, only protects against damages caused to other individuals. An extended insurance cover, including your bike, offers broader protection against natural disasters and unforeseen events.

Knowing your policy coverage limit is essential to staying financially safe in case of such disastrous events. In the guide, we will outline the most crucial types of bike insurance, their coverage against natural disasters, and how they protect your vehicle against them.

Is Your Bike Covered in Case of Natural Disaster?

Is Your Bike Covered in Case of Natural Disaster?

Yes, you can insure your bike if it gets damaged by a natural disaster, but only if you have the right insurance policy. 

You must have a comprehensive bike insurance or an own-damage policy to cover damage to your bike due to natural disasters (flood, earthquake, cyclone, storm, fire, landslide, etc.). Both insurance policies cover the cost of repairs or replacement in case of damage to your bike due to natural disasters. 

How Does Bike Insurance Help During Natural Disasters?

How Does Bike Insurance Help During Natural Disasters?

Bike insurance, whether a comprehensive or separate own-damage policy, is an essential cushion against sudden financial loss or hardship caused by natural disasters. 

  • The insurer pays to repair or replace your bike, depending on the severity of the damage, helping you manage financial loss or tragedy that could be devastating if you were accident-prone and only had to contend with it yourself. 
  • If the repair cost exceeds 75% of the bike's Insured Declared Value (IDV), the insurer will treat it as a total loss and compensate you with the IDV or policy terms. 
  • You can financially protect yourself by purchasing certain cover-adds like engine protection cover, zero depreciation cover, and consumable cover during a related natural disaster.

Benefits of Having Bike Insurance in Case of Natural Disasters

Bike Insurance provides essential financial protection in a natural disaster, safeguarding you from unexpected repair or replacement costs. Here are some of the key benefits of having bike insurance in the event of a natural disaster:

Coverage from Wide Range of Disasters

Coverage from Wide Range of Disasters

Comprehensive bike insurance covers your vehicle from damages that may happen due to natural disasters, allowing for almost complete coverage for unforeseen situations.

Less Financial Responsibility

Less Financial Responsibility

You don't have to worry about repair or replacement costs due to a natural disaster; your insurer will cover those costs, saving you from unforeseen expenses that may otherwise stress your finances during that time.

Total Loss Payout

Total Loss Payout

If your repair cost exceeds 75% of your bike's Insured Declared Value (IDV), your insurer will compensate you the IDV amount for your bike, allowing you to reap the benefits of replacing your lost investment in the event of a total loss.

Cashless Repairs

Cashless Repairs

Most insurers offer cashless garages for repair, allowing you to go to an approved garage for repairs to your bike without paying upfront before making a claim. This will streamline the claims and repair processes.

Enhanced Protection Through Add-ons

Enhanced Protection Through Add-ons

Add-on covers like engine protection and zero depreciation cover offer additional financial benefits, including expenses standard policies do not cover, such as engine damage from ingressed water.

How Comprehensive Bike Insurance Help During Natural Disasters?

Comprehensive Insurance provides your two-wheeler with financial protection from various natural calamities. It covers expensive repairs or complete loss, avoiding the economic burden and ensuring peace of mind. The primary natural disaster coverage that comprehensive insurance covers is as follows:

  • Floods and Water Damage - Water may enter the intake port or escape through flash flooding or rainstorms. This destroys the engine or electrical system and is extremely expensive to fix. With full insurance, you will not have to pay these expenses.
  • Earthquakes & Landslides - The policy pays it if the structure is affected by an earthquake or landslide. Loss caused by riding bikes over debris on the ground can result in loss of life. The company reimburses for losses in such cases.
  • Storms, Cyclones, & Strong Winds - Hostile weather such as cyclones, hurricanes, and thunderstorms may lead to enormous damage, and hence repairing them is very expensive. Comprehensive Insurance reimburses for these.
  • Fire & Lightning Strikes - The damage may be severe if your bike catches fire when hit by a lightning bolt. Electrical shorts through storms can also result in partial or complete loss. Comprehensive Insurance provides financial support in such cases.
  • Other Natural Disasters - Hailstorms, tsunamis, and volcanic eruptions might lead to massive repair expenses or complete loss. Complete insurance guarantees full protection in such cases.

Bike Insurance Add-Ons for Enhanced Protection During Natural Disasters

Extend your bike insurance with additional benefits to maximise claim benefits and reduce costs after an accident. From full claim payouts to pillion rider coverage, bike insurance add-ons provide extra security. Here are a few key add-ons:

Daily Conveyance Benefit

Daily Conveyance Benefit

The add-on cover of daily conveyance benefit will ensure that you are compensated for your transportation cost during the period when two-wheeler is under repair subject to applicable time excess. A policyholder can be compensated in the form of fixed allowance per day or coupons from taxi operators from an amount equal to per day fixed allowance.

Engine & Gear-box Protection Cover

Engine & Gear-box Protection Cover

Do you know that the cost of replacing your engine is approximately 40% of its cost? In a standard two-wheeler insurance policy, only damages caused during the accident are covered. However, with the engine and gear-box protection add-on cover, you can specifically cover the life of your vehicle for any consequential damages caused post the accident.

Tyre Protect

Tyre Protect

The tyre protect add-on cover is offered only to vehicles fitted with run flat technology. As part of it, the cost of replacing damaged tyres with equivalent or near equivalent to the one being used in the vehicle, labour and wheel balancing charges can be reimbursed. However, claims made under the add-on cover is subject to conditions set forth under the vehicle insurance policy.

Consumable Cover icon

Consumable Cover

The add-on of consumable cover adds an additional shield to your two-wheeler. Covers the cost for all your bike’s nitty-gritties such as the engine oils, screws, nuts and bolts, grease, etc. in the event of an accident.

Return to Invoice Cover

Return to Invoice Cover

If you fall into a situation where your bike is stolen or damaged beyond repair, this add-on comes in handy. With return to invoice add-on, we will cover the costs of getting you the same, or similar bike, including the road tax and registration fees for the same

EV Shield Add-on Cover

EV Shield Add-on Cover

This EV Shield add-on cover for electric two wheeler in India will protect you and your vehicle against any loss or damage to the electrical panel for the vehicle charging point, vehicle charger including charging cable, and offer roadside assistance services specific to EVs.

Zero Depreciation Cover

Zero Depreciation Cover

Think of it like an effective anti-ageing cream for your bike and its parts. Usually, the required depreciation amount is always taken in account during claims. However, a zero-depreciation cover ensures no depreciation is taken into consideration, so you get the full value of the cost of repair/replacement during claims.

Breakdown Assistance

Breakdown Assistance

The roadside assistance add-on ensures we’ll always be there for you and your two-wheeler in case of any breakdowns. The best part? Asking for our help doesn’t even count as a claim.

How to File a Claim for Natural Disaster Damages?

Below is how one can make an instant claim on natural disaster coverage:

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Inform Insurance Provider Immediately

If a natural disaster ruins your bike, notify your insurer immediately. Reporting it early allows the claim to be settled immediately. Otherwise, it will be rejected or cause issues.

Document Damage

Take photos and record videos of all the damage, such as water accumulation, structural damage, or fire. These are crucial evidence for claim valuation.

Submit Claim Form with Necessary Details

Fill the claim form with information like policy number, date of loss, and cause of the accident. Be careful, as wrong or incomplete information can lead to processing delays.

Inspection by Insurance Company

A surveyor will examine the damage to establish whether the bike can be repaired or is a write-off. Being cooperative while inspecting simplifies claim approval.

Repair or Receive Compensation

Upon inspection, you receive cashless repairs at a network garage or reimbursement for repairs at a non-network shop. For total loss, the insurer compensates based on the Insured Declared Value (IDV).

Documents Required for Filing a Claim

Preparing the proper documents is essential, as this can make your claim settlement process faster and hassle-free. The following list contains key documents that will be required for filing a claim:

Document Description
Duly Filled Claim Form Completed claim form to process the application.
Copy of Bike Insurance Policy  Document as proof of having active insurance on the vehicle at the time of the claim.
Registration Certificate (RC)  Official document verifying the ownership and registration of the bike.
Driving License  The driving license of the individual.
Photos/Videos of Damage Photographic evidence of the severity of damage to support the claim.
Repair Bills The estimate/cost bill of a workshop/garage for estimating the damage.

Benefits of Having Cashless Claim with Your Bike Insurance

Let's see what the benefits are of having a cashless claim with your two-wheeler insurance policy:

  • No Upfront Payment - One cannot pay for any repair out of pocket by allowing a cashless repair. The insurance company pays directly to the repair shop; therefore, you do not have to bear that financial burden in the event of an accident.
  • Faster Claim Processing - As the network repair shops cooperate with the insurance companies, repair approval is fast, so repairs are done earlier. Hence, you get back on the road without much delay.
  • High-Quality Repairs - Genuine spare parts and expert services from repair shops approved by insurance companies ensure the longevity of your bike. You need not worry about repairs of substandard quality or duplicate components being fitted to your bike.
  • Transparency & Fair Pricing - The insurer works through the garage, and, thereby, you are not charged highly for the repairs. The pre-approved rates also make the pricing fair, and the client pays for non-covered expenses, if any.
  • Wide Network of Garages - Most insurers have a vast network of authorised garages across India. It helps you access services fast across any place, especially in an emergency while on a trip.

Tips to Safeguard Your Two-Wheeler During Natural Disasters

Here's how you can save your bike from sudden disaster and yourself from the hassle of spending unnecessarily on it:

Park Safe

Park Safe

Do not park your bike in low-lying or water-logged places. Park it in an elevated position in a dry spot to keep it away from water damage and flooding.

Use Protective Cover

Use Protective Cover

Use a high-quality, fireproof, and water-resistant cover to protect your bicycle from rain, dust, and debris. This reduces exposure to extreme weather and slows down damage.

Disconnect Battery Before Flood

Disconnect Battery Before Flood

Floods and rains result in short circuits and electrical failure. Removing the battery before a storm prevents costly repairs and electrical system failure.

Avoid Riding in Extreme Conditions

Avoid Riding in Extreme Conditions

Riding during floods and storms results in injury and mechanical failure. Refrain from riding when weather conditions are detrimental to your bike's well-being.

Regular Bike Service

Regular Bike Service

Periodic services like brake, engine, and electrical checks keep your vehicle in top working condition. Servicing periodically reduces weather damage, and its shelf life is better.

FAQs about Bike Insurance Cover for Natural Disasters

Manasvi Gupta

Written By:

Manasvi Gupta

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Manasvi Gupta

Manasvi Gupta

Content Writer

Storyteller at heart, Manasvi brings 4 years of content and marketing experience to Digit. Whether it's writing SEO-optimised articles or a researched and insightful blog, she strives to transform ideas into creating impactful and engaging content.

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Reviewed By:

Mayur Kacholiya

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mayur-black-white-test

Mayur Kacholiya

Product Head - Motor

Mayur specializes in motor insurance and is responsible for overseeing the development and management of motor insurance products. With expertise in product strategy and market analysis, he focuses on developing customer-centric insurance solutions.