Benefits Of Bike Insurance in Case of Natural Disasters

by SMCIB on Saturday, 10 June 2023

Benefits Of Bike Insurance in Case of Natural Disasters

Accidents and thefts are commonly associated with the need for insurance coverage. However, there is another significant threat that often goes unnoticed - natural disasters. From devastating hurricanes to unexpected earthquakes and wildfires, the forces of nature can wreak havoc on our two-wheelers. They can damage or destroy them - causing you financial burden in already distressing circumstances.

In such times, having bike insurance becomes indispensable. It offers a protective shield against the financial losses that arise from these unforeseen calamities. With bike insurance in hand, you can ensure that your vehicle is restored to its pre-damaged condition without you having to worry about the expenses.

In this article, let us explore the importance of having bike insurance to safeguard your bike against natural disasters and which bike insurance would be the best fit for your bike.

First, What Is A Natural Disaster?  
Natural disasters are caused by natural forces and significantly impact human life, property, and the environment. For example, earthquakes, hurricanes, cyclones, tornadoes, floods, etc. These calamities often do not come with a warning and can result in extensive devastation and loss of life.

How Does A Natural Disaster Impact You?

The devastation wrought by natural disasters can be immense, and the potential for loss of life and property is real. Even a brief episode can have immense potential to damage houses, buildings, and personal possessions like vehicles, etc. Their impact is not limited to any particular area; they hit rural and urban life equally.

Which Bike Insurance Policy Will Cover Your Vehicle In Case Of Natural Disasters?

In India, it is mandatory to own a third-party insurance policy to ride a bike on the roads. This policy specifically covers injuries or damages caused to third parties or their property caused by your bike. However, a third-party policy only provides coverage for damages incurred to others and does not extend its protection to your own bike. Thus, to safeguard your own vehicle against various risks such as accidents, theft, and even natural disasters, it is best to choose a comprehensive insurance policy.

A comprehensive policy offers a broader scope of coverage. Not only does it protect your bike from damages caused by accidents, theft, etc., but it also includes coverage for damages caused to third parties and their property because of an accident involving your vehicle.

Furthermore, a comprehensive policy goes beyond human-induced scenarios and covers you against natural calamities like floods, earthquakes, cyclones, and other similar disasters. By opting for a comprehensive policy, you can have the peace of mind of knowing that your bike is protected from a wide range of risks and potential damages.

How Will A Comprehensive Policy Offer Protection At The Time Of Natural Disaster?

Let’s look at take two examples to understand this -

Example 1: Rahul lives in a city that is hit by heavy rains, resulting in a devastating flood. His bike gets damaged due to water logging. Rahul has a comprehensive insurance policy and so he can raise a claim with his insurer. They will take care of the repair expenses, ensuring his bike is repaired and restored to its pre-flood condition.

Example 2: Amit’s bike also gets damaged in the same flood. But unfortunately, he does not own a comprehensive insurance policy. Therefore, he will have to take care of the repair costs himself.

So, it is evident from these examples that a comprehensive insurance policy is the best protection one can get. It covers your bike against many unfortunate events.

How Do You Raise A Claim For Damage/Loss Caused By A Natural Disaster?

This is the procedure you will need to follow to make a claim -

1️⃣  Take Photographs

You need to take multiple photos or videos of your bike from all possible angles. This will serve as a visual document while you raise a claim, enhancing the credibility of your request.

2️⃣ Avoid Moving Your Bike

It is recommended that you do not move your bike from the location where it was damaged.

3️⃣ File The Claim Immediately

Reach out to your insurance company without any delay to register your claim. You may use their toll-free number for immediate assistance.

4️⃣ Evaluation Of The Damage

Your insurer will then send a surveyor to assess the damage caused to your bike. Based on their evaluation, they will determine if the vehicle is repairable or considered a total loss.

5️⃣ Provide Documents

You will then need to submit the require documents to your insurer. These may include claim forms, photographs, and any other relevant paperwork.

6️⃣ Claim Settlement

Once the insurer verifies the details and assesses the claim, they will settle it, providing the necessary compensation for the damages.


A comprehensive bike insurance policy acts like a reliable ally by your side in case of natural disasters. It wraps your bike in a comforting embrace, ensuring that no matter what comes your way, you can ride your bike with unwavering confidence. So, get a comprehensive policy for your bike today and protect yourself and your bike against all sorts of contingencies.

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