How to Claim Third-Party Bike Insurance

Updated on - 03 Feb 2026

Riding a bike on Indian roads comes with risks, and accidents can happen even when you’re careful. If your bike accidentally causes damage or injury to someone else, dealing with the legal and financial consequences can be stressful and confusing. Third-party bike insurance policy is mandatory by law and can help protect you from these burdens.

This guide explains how third-party insurance works, why it matters and the steps to claim it if you are involved in an accident.

What is third-party two-wheeler insurance?

Third-party two-wheeler insurance protects the owner/driver of the insured vehicle against any legal liabilities that may arise in case their vehicle causes death, bodily injuries or property damage to an unknown third party. Simplify, if an insured vehicle is involved in an accident and causes financial loss or damage to a third party, the insurance provider covers the legal expenses.

Importance of third-party bike insurance under the Motor Vehicles Act

The mandatory third-party insurance covers legal liabilities when the owner or driver of the insured vehicle is at fault. It provides coverage for the following conditions:

• Cover for third-party death or bodily injuries: When an insured two-wheeler causes bodily injuries to a third party, with the rider of the two-wheeler at fault, the third-party insurance will cover the hospitalisation or treatment costs of the injured person(s). In case of third-party death or injury, the insurer may provide compensation as per policy terms and tribunal decisions.
• Cover for third-party property damage: When an insured two-wheeler gets involved in an accident and causes damage to the surrounding property, the third-party insurance provider pays for financial losses to the victim.
• Personal accident cover: Along with the basic liability cover, you can also include a personal accident cover of up to ₹15 lakh for the owner-driver of the vehicle. It means that in case the owner of the two-wheeler gets injured during an accident, the vehicle's insurance will cover the costs required for his/her treatment or hospitalisation.

Note: This is an indicative list. Please read the policy wordings for the complete list of inclusions/exclusions.

What is covered by third-party insurance?

Third-party bike insurance provides financial protection if your vehicle causes damage to another person, their vehicle or property. It may cover the cost of repairing or replacing the third party’s property or vehicle and medical expenses if they are injured. In case of a third-party death, the policy may provide compensation to their family as determined by the Motor Accident Claims Tribunal (MACT).

This policy does not cover damage to your own bike or injuries to you as the policyholder. Its main purpose is to ensure the affected third party receives fair compensation, reducing your financial and legal burden.

Note: This is indicative. Please read the policy wordings for the complete list of inclusions/exclusions.

How to file a third-party insurance claim?

Filing a third-party two-wheeler insurance claim can be complex. The claim is processed only if the claimant can demonstrate that the owner or driver of the insured vehicle was at fault. A special tribunal court decides whether the insurer should pay compensation and the amount.

Steps to follow:

1. Click photographs or record videos of the damage.
2. Note the registration details of the vehicle involved, and if possible, its insurance and contact details.
3. Collect contact details of any witnesses.
4. Register an FIR at the police station, providing exact accident details.
5. File a case with the Motor Accident Claims Tribunal (MACT) with the help of a lawyer, submitting all documents, photos, videos and witness statements.

The tribunal court will then determine the compensation amount, if any, to be paid by the insurer.

Things to remember while filing the claim

The tribunal court may reject a claim if it is not found valid. Keep the following points in mind when filing a third-party insurance claim:

• Do not leave the accident spot immediately.
• Take clear photos and videos of the damage before moving the vehicles.
• Be honest and accurate; avoid exaggerating the incident.
• Seek medical attention promptly for any injuries.
• Avoid monetary settlements at the scene; follow legal procedures.
• Collect as much evidence as possible to support your claim.
• Be patient throughout the process and cooperate with authorities.
• Ensure all documentation is complete and accurate for the claim.

Third-party insurance claims are often complex and time-consuming, and the claim settlement ratio can be low. Proper evidence and documentation are crucial for the tribunal court to assess your case.

Documents required for claiming third-party insurance

Submitting the correct documents is crucial when filing a third-party bike insurance claim. Essential documents include:

• Duly filled and signed claim form: Initiates the claim process.
• Copy of the police FIR: Provides an official record of the incident; mandatory for claims.
• Insurance policy document: Serves as proof of coverage.
• Driving license copy: Of the person using the bike at the time of the accident.
• Registration Certificate (RC) copy: Verifies ownership and registration details.
• Repair estimates or bills: Required if there is property damage.
• Medical reports and bills: Needed for bodily injury claims.
• Witness statements: Help support your claim if available.
• Photographs or videos of the accident scene: Substantiate the circumstances.
• Stamp (for commercial vehicles): May be required for claims involving commercial bikes.

Note: This is an indicative list. Please read the policy wordings for the complete list of inclusions/exclusions.

How insurers settle third-party claims: Role of the Motor Accident Claims Tribunal (MACT)

When a third-party claim is filed, insurers follow a legal process to ensure the victim receives fair compensation. The affected third party must file a case with the Motor Accident Claims Tribunal (MACT), a special court for such disputes.

The MACT reviews evidence, including the FIR, witness statements and medical or repair bills, to assess the extent of damage or injury. Based on this assessment, the tribunal decides the compensation amount. The insurance company then releases the payment directly to the claimant or via the tribunal’s process.

This process ensures compensation is awarded objectively and protects both the policyholder and the third party under the Motor Vehicles Act.

Difference between third-party and comprehensive bike insurance

Although both have their own uses and benefits, a third-party and comprehensive two wheeler insurance differ greatly:

Note: This is an indicative list. Please read the policy wordings for the complete list of inclusions/exclusions.

Why you should regularly renew your bike insurance policy

Renewing your bike insurance on time keeps your vehicle legally compliant and financially protected. An active policy helps you avoid fines, penalties or legal complications if your bike is involved in an accident.

Timely renewal may also help retain benefits such as the No Claim Bonus (NCB), which rewards safe, claim-free driving with discounts on future premiums. Missing the renewal date can lead to policy lapse, loss of NCB and the need for a fresh vehicle inspection before reactivation.

Regular renewal also allows you to reassess your coverage and upgrade your plan if needed, such as switching from third-party to comprehensive coverage or adding riders like zero depreciation or roadside assistance for enhanced protection.

Note: This is an indicative list. Please read the policy wordings for the complete list of inclusions/exclusions.

How to choose the right bike insurance policy for better coverage

To choose the right bike insurance policy, first understand your coverage needs. A third-party policy is mandatory under Indian law but only covers damage caused to others. For broader protection, consider a comprehensive policy, which covers both third-party liabilities and your own vehicle against accidents, theft or natural calamities.

Compare plans from different insurers, taking into account claim settlement ratios, network of cashless garages, your bike model and premium rates. Carefully review policy inclusions and exclusions to avoid surprises during claims.

Consider add-ons like zero depreciation cover, roadside assistance and engine protection for additional security. Choosing a trusted insurer and renewing on time ensures continuous protection and peace of mind on the road.

Note: This is an indicative list. Please read the policy wordings for the complete list of inclusions/exclusions.

Conclusion

Third-party bike insurance is more than a legal requirement; it’s a safety net that protects you from unexpected financial and legal burdens. Timely renewal and choosing an insurer with a reliable claim settlement record ensures you can ride with confidence and peace of mind.

Protecting yourself and your bike doesn’t have to be complicated. For personalised guidance on choosing the right two-wheeler insurance, including third-party or comprehensive two wheeler insurance plans, fill out the form on this page and get tailored advice that suits your needs.

FAQs

1. Can third-party bike insurance cover damage to my own vehicle?

Third-party insurance generally covers only damage caused to another person or their property. Coverage for your own vehicle may require a comprehensive policy and can vary by insurer. It’s important to read your policy wording carefully to understand the exact coverage.

2. How long does it take for a third-party claim to be settled by MACT?

The settlement time can vary depending on the complexity of the case, supporting documents and tribunal proceedings. Some claims may take a few months to resolve after verification and hearings.

3. Is it possible to upgrade from third-party to comprehensive insurance mid-policy?

Upgrading from third-party to comprehensive may be possible at renewal, depending on the insurer’s terms and requirements. It’s best to check with your insurer, as they may require a vehicle inspection or additional documentation.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the Insurance industry and products. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.