A bike insurance claim is a process wherein as bike owner asks the bike insurance company to pay compensate for the damages that are happened by his/her bike after an accident. it is one’s right to make a claim when he/she is involved in an accident as per insurance law. bike insurance companies to reject large number of bike insurance claims or to reduce there pay out. Another reason why a claim may get rejected is that the customer may have taken an insurance policy for a private car use while it was used for other commercial other purposes like bike racing etc.