All bikers must have third-party bike insurance to ride their two-wheelers on Indian roads. The Motor Vehicles Act has made it compulsory for all two-wheeler owners to have two wheeler insurance. You will be subject to punishment if you don’t follow the law. In difficult situations, one may also go to jail.

The primary goal of third-party liability insurance is to protect the policyholder against harm or damage done to any third party’s property, as a result of the policyholder’s vehicle. A quick and easy approach to protect yourself against potential third-party liability coming from an accident is to purchase two wheeler insurance, third party coverage more specifically. Let us understand more about them.

How to raise a third-party two-wheeler insurance claim for your damaged bike?

Let us understand how to claim two wheeler insurance. The process may change depending on whether you have a comprehensive policy or only a third-party policy. It is simpler to file an own damage claim with your insurance provider if you have a comprehensive policy. * Standard T&C apply.

However, suppose you have third-party liability coverage. In that case, you would have to rely on the damages provided by the damage-causing party’s third-party insurance policy because, in this case, you are the third party. This process is usually elaborate and time-consuming.

Following the steps listed below, you can file a third-party bike insurance claim –

  • Take pictures of the damage that has been done
  • Make a note of the specifics of the damaged car
  • If at all feasible, ask if anyone saw the collision and make a note of their contact information
  • Inform your insurance provider so that they can help you with unique situations
  • At the police station where the accident occurred, file a First Information Report (FIR)
  • With the aid of a lawyer, file a case with the Motor Accident Claims Tribunal Court
  • Provide the necessary information and documentation to support your case in court that the third person was guilty
  • Obtain the appropriate compensation from the insurance provider of the party who caused the harm

Here is a list of crucial factors when filing a claim for third-party two wheeler insurance.

  • Priority should be given to safety and medical care
  • If you want to respect the law, avoid entering into a financial settlement without filing an FIR
  • Gather as much proof as you can to support your argument
  • Work together with various authorities at various points
  • Be patient; the claim settlement process may take some time
  • Maintain accurate records of the process
  • Be truthful

What does a third-party two-wheeler coverage cover?

  • Injury to a third party
  • Property damage of a third party

What does a third-party two-wheeler policy not cover?

  • Own damage insurance
  • Add-ons
  • Cases of driving while intoxicated or impaired, driving while ineligible for a licence, etc.


The main advantage of getting third-party insurance is that you comply with the law since it is a required policy. It is advised to read the policy paperwork carefully to verify the precise nature of your bike insurance policy’s coverage, including the terms and conditions in full.

Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.

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