What proof does insurance need for a stolen motorcycle claim?

Insurers investigate theft claims carefully, so expect to provide real documentation. The typical list:

• Police report: non-negotiable. File it immediately and get the report number — no insurer processes a theft claim without one.
• Proof of ownership: title and registration.
• Your keys: many insurers ask you to produce both sets. It's a standard fraud check, and it's one reason you should know where your spare is.
• Photos of the bike: recent ones showing condition and any modifications.
• Receipts: for aftermarket parts, accessories, and recent maintenance — these support the valuation.
• Loan or lease information if the bike is financed.
• A completed claim form and statement: where the bike was, when you last saw it, how it was secured.

Two rules for a clean claim: be fast and be accurate. Small inconsistencies in your account slow everything down and invite deeper investigation. The best move is preparation — tonight, photograph your bike from all angles, snap the odometer, and put receipts and title copies in one folder. Ten minutes now saves weeks later.

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