Bicycle damage claim handling process

1. Introduction

The purpose of this document is to outline the comprehensive process for handling damage claims related to insured bicycles. This process ensures efficiency, accuracy, and customer satisfaction while minimizing fraudulent claims and ensuring compliance with regulatory requirements.

2. Claim initiation

2.1. Claim reporting

The policyholder must report the damage incident as soon as possible via one of the following channels:

• Online portal: The claimant logs into their insurance account, selects the claim submission option, and provides the required details along with supporting documents.
• Mobile app: The claimant uses the insurer’s mobile application to submit the claim, including photos, descriptions, and necessary documentation.

2.2. Required information

The following details must be provided by the claimant:

• Policy number: The unique identifier of the claimant’s insurance policy.
• Claimant’s personal details: Full name, contact number, email address, and residential address.
• Date, time, and location of the incident: Accurate information regarding when and where the damage occurred.
• Description of how the damage occurred: A detailed written explanation, including any contributing factors (e.g., weather conditions, road hazards, theft attempt).