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