Steps to follow when a motorcycle is lost or stolen


02 Aug 2023

Read about Steps to follow when a motorcycle is lost or stolen. For more information, check out the bike insurance policy from Kotak General Insurance.

Two-wheelers are the most popular mode of transport for any average Indian household as they are effortless to handle and maintain. One of the most significant setbacks of these bikes is that they can be very easily manoeuvred without any key, making them very theft-prone. However, if you maintain proper motorcycle insurance, you will be covered for such loss. But you can enjoy such coverage exclusively on a comprehensive bike insurance plan.

What to do in case of bike theft?

In case of sudden bike theft, the standard procedure that you require to follow includes the following:

1. Filing an FIR:

This is the first step you must take when discovering that your bike is missing. You must approach your nearest police station to complain.

2. Informing the insurer:

After the police complaint, you must dutifully inform your insurer regarding your bike loss. You must get accustomed to the procedure for claim settlement, provided you maintain comprehensive bike insurance.

3. Informing the RTO:

Once you have informed your insurer and the police, you must notify your respective RTO with the FIR copy. The RTO will perform the necessary paperwork to complete the process.

4. Acquire the NTC:

NTC stands for Non-Traceable Certificate. This is the legal evidence that your bike is lost for good and exists beyond tracing. You must acquire it from your nearest police station where you initially complained about losing your motorcycle. This is essential to be accepted by the insurer for claim settlement of your motorcycle insurance.

5. Claim approval and settlement:

Fulfilling appropriate documentation is crucial for approving bike theft claim settlement. On completing all the essential paperwork, you can expect to settle the claim for your motorcycle insurance depending on the respective terms and conditions, based on IDV, after deducting the deductibles and depreciation. The values must be in sync with the rules and regulations of the individual insurance plan and company.

What happens when bike theft happens to someone without any bike plan?

If any individual maintains a bike without any insurance coverage, they have to face inevitable consequences in case of bike theft:

• Fund loss:

Maintaining a bike plan will lead to funding loss, which is the biggest drawback. Moreover, you might need to buy a substitute two-wheeler to cope with the loss.

• Stress:

Losing the mode of transport, you regularly use adds to tremendous mental stress.

• Public transport dependability:

Two-wheeler is one of the cheapest private transport modes. Losing it will lead you to rely on public transport, increasing inconvenience and discomfort.

Comprehensive bike plans come with a host of benefits, covering bike loss and protecting you from third-party liabilities under any accidental circumstances involving your vehicle. However, theft coverage is one of the most significant advantages of this plan.


It is awful and regrettable to experience bike theft. To remain safe, it is best to maintain comprehensive bike coverage. It is an all-inclusive cover that protects your beloved two-wheeler.

The same holds true when car theft occurs for someone without any car insurance online; the financial burden of the loss falls entirely on the vehicle owner. Without insurance coverage, there is no avenue for compensation, leaving the individual to bear the full cost of replacing the stolen vehicle.

Team Kotak GIC

The content of this blog has been created and carefully reviewed by the esteemed team at Kotak General Insurance, with the sole purpose of providing valuable guidance and sharing insights on the importance of general insurance. Our objective is to assist users in making informed decisions when purchasing or renewing insurance policies for their cars, bikes, and health. Our expertly curated information aims to empower our readers with the knowledge they need to protect their valuable assets and financial interests.