Owning a bike in a nation like India is simple. Anyone can own a motorcycle, but riding a bike amidst the rough terrain in this nation is another story.
So, a rider has to offer the compulsory documents, like a driving license, registration certificate, pollution under control certificate, 2-wheeler insurance policy, etc that help them acquire a license.
If you are unable to provide these documents, it leads to a penalty, whereby drivers have to pay a fine. But what if you are still in the learning mode? Will you be able to claim bike insurance with your learning license? Discover more about this Kotak bike insurance and get the brochure. Until then, let’s learn what is there in this post.
Claiming Insurance with Your Learning License
Before understanding how to claim your bike insurance without a driving license, let’s evaluate two most important terms:
- RC or registration license
- DL or driving license
Truth be told, both these certifications are the most critical documents for drivers or vehicle owners—RC and DL documents.
Filing a two-wheeler insurance claim also requires certain documents. Of these, the registration certificate and driving license are mandatory. But what happens if you lose the driving license or RC of your bike? Can you still raise a claim under Insurance for 2 Wheeler?
The answer to this question is: Yes, provided the insurer offers an add-on cover for the loss of RC or driving license. And if you are unable to produce the right documents, you may not be able to claim the insurance.
Note that when a policyholder files a claim for bike insurance, they need to produce the rider’s DL. Just like the DL, the RC holds equal importance during the claim process. So, how do you raise a bike insurance claim without having a driving license?
Can You Raise a Bike Insurance Claim without a Driving License?
There are instances where the policyholder loses the two-wheeler driving license or their bike’s registration copy. In such instances, they may file a two-wheeler insurance claim.
Note that most of insurers need documents that help them process their claim accordingly. But did you ever realize what will happen if the bike gets into an accident before the completion of the registration process? Or worse, your friend was the one riding the bike because you did not have a DL at that time. Or you lost your driving license at that time. Well, you do not need to worry, as there are ways to claim for the insurance.
It is simple to file a bike insurance claim even if you do not have a 2-wheeler driving license or registration certificate. The only thing you need is a learning license.
After Everything Else
With a learning license, you can easily apply for a claim without your driving license. Such a license is issued when the person is in the learning phase. One can apply for the license if the individual is above 16 years of age.
