Bike Insurance

Disclaimer: Webdoc in partnership with our underwriter East West insurance company is providing the product. This is a recurring payment model.

1. Coverage Limitations:
   • Fire, loss, and theft are excluded from coverage.
   • Coverage is applicable only in the event of a Road Traffic Accident (RTA), as defined by the terms of this policy.
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3. Eligibility Criteria:
   • The policyholder must be a licensed holder.
   • The policyholder must be the owner of the insured bike.
   • Age of the policyholder must be between 18 and 59 years.
   • The insured bike must be used solely for domestic or transportation purposes, excluding involvement in racing or other activities.
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5. Exclusions:
   • Excluded perils include war, strikes, riots, civil commotion, and any natural or man-made disasters leading to a declaration of a state of emergency on a local or national level.
   • Coverage does not extend to preexisting conditions (accidents/damages/hospitalization ) of the insured bike and insurer.
   • Services related to vehicle modification or customization are not covered.
   • Routine maintenance services such as oil changes, tire rotations, or battery replacements are excluded.
   • Vehicles used for commercial purposes, such as Bykea or Careem, etc., are not covered.
   • Services performed at repair shops or dealerships, including repairs or maintenance, are excluded.
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7. Claims Process:
   • All claims must be filed Via Whatsapp within a maximum of 15 days from the date of the Road Traffic Accident (RTA).
   • The following documents are required to raise a claim:
     • Registration Book of the insured bike.
     • Police report documenting the RTA.
     • Valid license of the policyholder.
     • National Identity Card (CNIC) of the policyholder.
     • Repair receipts where applicable.
     • Hospital admission, bills, discharge slip, and emergency bills in case of RTA-related injuries.
     • Upon completion of the required documentation, claims will be processed and paid within 15 days.
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