How Many Bike Insurance Claims Can You Make? What Every Two-Wheeler Owner Must Know!

How many times can I make a claim on my bike insurance policy?

Let’s break it down for you. Whether you're a first-time bike owner or a seasoned rider, understanding the claim limits, implications, and smart strategies can help you make better decisions—and get the most out of your insurance coverage.

Is There a Limit to the Number of Bike Insurance Claims?

Technically, there is no fixed limit on the number of times you can file a claim under your two-wheeler insurance policy during the policy period. Most insurance providers, including Jio Insurance Broking, allow you to raise multiple claims as long as your coverage (sum insured) and policy validity remain intact.

However, before you breathe easy and treat your policy like an unlimited expense account, there’s a catch.

The Hidden Costs of Making Multiple Claims

While there’s no upper limit, repeated claims can have side effects. Here’s how multiple claims can affect your coverage:

1. Loss of No Claim Bonus (NCB)
   The No Claim Bonus is a discount (ranging from 20% to 50%) that you get on your premium for not making any claims during the policy year. Even one claim can reset your NCB to zero. Over time, this can lead to a significant increase in your premium amount at renewal.
2. Increased Premiums
   Frequent claimants are flagged as “high-risk” customers. When it’s time for renewal, your insurer may increase your bike insurance premium based on your claim history.
3. Claim Rejection
   If an insurer notices excessive or suspicious claims, especially for minor damages, they might investigate further or even reject your claim under grounds of misuse or fraud.
4. Impact on Zero Depreciation Cover
   If you’ve opted for Zero Depreciation Cover, it comes with its own limits. Most insurers allow only 2–3 claims per year under this add-on. Going beyond that? The benefit gets deactivated or future claims are processed with depreciation deductions.

When Should You Not Make a Claim?

This may sound counterintuitive, but not all damages are worth claiming. Here’s when you should hold off:

• Minor repairs: If the repair cost is less than your deductible or doesn’t justify losing your NCB.
• Scratches and cosmetic damage: Not affecting the functioning or safety of your bike.
• Single party fault (you’re at fault) and the damage is manageable.

Pro tip: Sometimes, it’s smarter to pay out of pocket and save your NCB for bigger emergencies.

Smart Claiming Strategy: Be a Strategic Rider

Here’s how you can balance protection and premiums:

Choose the Right Coverage

Go beyond just basic third-party insurance. Opt for comprehensive bike insurance from reputed brokers like Jio Insurance Broking that gives you better protection and add-on options.

Use Your Claims Wisely

Reserve your insurance claims for major accidents, theft, or damage involving significant costs. For smaller issues, use your maintenance budget.

Take Advantage of NCB Protection

Jio Insurance Broking offers NCB Protection Add-On, which allows you to retain your NCB even after one or two claims—keeping your premiums under control.

Keep Documentation Handy

Every claim becomes smoother when your documents are in place:

• Insurance policy number
• FIR (in case of major accident/theft)
• RC of the bike
• Repair bills or estimates
• Driving license

Real-Life Example

Rohan, a 28-year-old biker in Mumbai, owns a Royal Enfield Classic 350. Over the last year, he faced:

• A scratched rear-view mirror during parking
• A minor collision damaging the front mudguard
• A major accident damaging the entire side panel

He made claims for all three incidents under his two-wheeler insurance.

While the insurance covered most costs, his premium at renewal jumped by 30%, and his NCB was wiped out. If he had paid for the first two minor repairs himself (costing just ₹1,500 each), he could have kept his NCB and saved more in the long run.

Why Choose Jio Insurance Broking?

At Jio Insurance Broking, the focus is on transparency, customer-first services, and tailored insurance solutions. When it comes to two-wheeler insurance, you get:

• Expert advisory to choose the right plan
• Easy online claim support and tracking
• Competitive premiums with smart add-ons
• Reliable customer service for peace of mind

So, if you’re planning to buy bike insurance or want to renew your current policy, Jio Insurance Broking is the smart choice for modern-day riders.

While you can make multiple claims under your bike insurance, it doesn’t always mean you should. A smart rider uses insurance like a safety net, not a free repair pass.

Protect your ride. Choose your claims wisely. Ride smarter with Jio Insurance Broking.