Reasons why your two wheeler insurance claim can get rejected
10 Aug 2021
3 min read
When someone buys bike insurance, they do so to fulfil legal requirements and to obtain financial aid in the event of an accident or other unforeseen circumstances. For a successful claim settlement, insured persons must take care of a variety of insurance elements.
In order to do so, you must be familiar with the components of bike insurance coverage that would cover your expenses in the event of an accident. Insurance companies may deny a claim if the policyholder is unaware of the policy's contents and exclusions. Following are the main reasons why insurance companies reject claims for two-wheelers:
A bike insurance policy that has expired
Insurance companies will not accept any claim requests for expired bike insurance policies. They provide coverage just for the duration of the policy. Renew your insurance plan as soon as possible to ensure uninterrupted coverage and a hassle-free claim settlement process.
Fraudulent claims
As opposed to being a way to make money, the insurance provides financial support against unforeseen expenses. A false insurance claim must not be made using its services. Before resolving insurance claims, insurance providers perform extensive research to check the authenticity of the request. Policyholders found to have made fraudulent claims will be subject to legal penalties in addition to having their claim requests canceled.
Improper claim
There are many situations when policyholders fail to read their bike insurance policy documentation carefully and are ignorant of their coverage. Anyone with third-party bike insurance cannot make a claim for their own damages. You may also bear some costs if an insured person has a complete bike insurance policy but no add-on coverage. Because the claim was filed incorrectly, the insurance claim may be refused.
Unethical behaviour
An insurance provider will verify that the policyholder has not engaged in any illicit behavior before it can approve a bike insurance claim. At the time of the accident, the insured individual must not have been under the influence of drugs or alcohol, performing stunts, or riding a bike without a valid driving license. As a result, the bike insurance company will either deny a claim or possibly cancel the coverage in these circumstances.
Using private two wheeler for commercial purposes
An individually owned motorcycle cannot be used for business reasons. An insurance company will deny a claim if a private scooter or bike is destroyed in an accident while it is being utilized as a commercial vehicle.
Delay in making a claim request
It is recommended that you make a claim as quickly as possible following an accident, theft, or other misfortune. Insurance companies may have different deadlines by which they anticipate the claim to be initiated. The insurance company may deny your claim request if you submit it more than a month after the theft or accident.
Motorcycle and scooter modifications
Many motorcycle and scooter owners modify their vehicles to a great extent. Modifications made to a vehicle must be reported to the insurer, as several modifications might result in a higher insurance rate. A claim for a modified two-wheeler that the insurer was not previously notified about may be rejected by the insurer.
Misrepresentation of facts
Most claims are rejected by two-wheeler insurance companies because of misrepresentation of facts. Current insurance coverage for both the policyholder and the insured vehicle is required by the insurance provider. Your insurance claim could be rejected if the Insurance Company is not informed of all the specifics of the accident, the vehicle, and the rider. It is also important to keep your insurer informed of any changes that may affect your coverage prices.
When you lend your vehicle to someone else
Owners of two-wheelers often lend their vehicles to friends. Insurance companies will not pay claims if the rider does not have a valid driving license if you provide your two-wheeler to someone else. Two-wheeler insurance policies allow you to nominate other riders, therefore your claim will be granted if the rider of the vehicle was a nominee with a valid license.
Owning insurance coverage is not enough to seek compensation for expenditures spent due to an accident or disaster with your motorcycle. Policyholders should read their policy documents carefully to understand the process for filing a claim and to get familiar with any exclusions that may apply.
Share:
Featured Articles
8 Tips to Get discounts on car insurance
Learn to maximize car insurance discounts without compromising coverage with our comprehensive guide.
19 Apr 20244 mins read
Is the Maruti Suzuki Grand Vitara Safe? Unveiling Its Latest Safety Ratings
As the automotive landscape continues to evolve, safety remains a paramount concern for car buyers, particularly in India. The Maruti Suzuki Grand Vitara, a product of the Maruti and Toyota joint venture, has emerged as a significant contender in the SUV market dominated by the likes of Hyundai Creta and Kia Seltos. But how does it stack up in terms of safety? Let's delve into the details of the Grand Vitara's safety features, awaited ratings, and the implications for those looking to buy a car
7 May 20243 mins read
Top 5 Cheapest Electric Cars in India: 2024 Edition
As the world progressively shifts towards sustainable mobility, India is not far behind, experiencing a significant uptake in electric vehicles (EVs). This shift is propelled by both governmental incentives and the innate cost-effectiveness of EVs compared to traditional internal combustion engine (ICE) vehicles. However, the adoption of EVs in India faces challenges such as range anxiety and the limited availability of charging stations. To aid potential buyers, this blog post highlights the fi
1 May 20243 mins read
Ford Endeavour 2024: Price, Launch Date & Specs in India
Prepare for the awesome launch of Ford Endeavour 2024 in India! Discover its price specs & even more. Boost your SUV experience today!
17 Apr 20242 mins read
New Renault Duster is coming to India and is under work
Midsize monocoque SUV trend began in India due to the Renault Duster. Unfortunately, Renault failed to properly replace or evolve the Duster, enabling competitors to dominate the market. It might change if the brand's intentions to bring the next-generation Duster become a reality. Not only will the Renault Duster be new, but it will be built on the CMF-B platform. The next-gen Renault Duster is all-new After almost a decade, the famous Duster phased out of production in our country, but Renaul
11 Mar 20222 mins read
Volkswagen Virtus sedan unveiled globally, launch in May 2022
The all-new Volkswagen Virtus just made its world debut, and the sedan will go on sale for the first time in India. As a global midsize sedan, the Virtus is already available in over 25 countries, and the new model unveiled today is a made-in-India facelift. The Virtus will replace the Vento sedan in India. The new Volkswagen Virtus dynamic Line and the Performance Line offer 1.0 and 1.5 TSI variants, respectively, for the new model. Starting today, pre-bookings for Virtus are available. Desig
9 Mar 20223 mins read
Skoda Slavia review - Hottest sedan in its segment
Skoda specialises in sedans. From the first-generation Octavia, which established Skoda as a luxury car brand in India over two decades ago, to the best-in-class Superb and, of course, the popular Rapid. SUVs and hatchbacks have come and gone, but Skoda's backbone in India has remained the three-box sedan. The Slavia, Skoda's new car, is important because the Slavia is part of a USD 1 billion (about Rs 7,500 crore) commitment to developing products more in tune with local tastes and budget. Lik
9 Mar 20225 mins read
Apple and OSAT are developing autopilot technology for car
The Apple car could be the latest innovation from Apple Inc., and it will be a self-driving electric vehicle. Its self-driving mode will allow the driver to take their hands off the wheel and feet off of pedals while driving. OSAT, a South Korean company, has teamed up with Apple to work on autopilot technology for cars. Apple's South Korean offices are leading the project. It began in 2021 and might end in 2023. According to reports, Apple is following Tesla's route. For its autopilot chip, El
25 Feb 20221 mins read
2022 Maruti Baleno facelift vs old Baleno - Is it better?
All new 2022 Maruti Suzuki Baleno [https://www.carinfo.app/all-new-maruti-suzuki-baleno-launched-at-6-35-lakh/] facelift is finally launched. How different is it from the old one? Is it a worthy competitor to the likes of Hyundai i20 and Tata Altroz? Let us find out in this detailed comparison. Exterior The most visible styling differences between the two variants are in the front and rear ends designs. The grille of the new Baleno is larger, honeycomb-patterned, and extends to the new wraparo
27 Feb 20223 mins read
VW Virtus premiere in India on March 8 and launches on May
The all-new Volkswagen Virtus will soon hit the Indian market. The German sedan will replace the Vento in India. The brand expects to launch the car in India in May 2022. Here are the VW Virtus's specifications. All new Volkswagen Virtus debut in India The facelifted version of the Virtus sedan is already available in South American markets since 2018. However, the second generation will debut first in India, before making its way to South America and other markets. With its facelift, you can
17 Feb 20222 mins read
8 Tips to Get discounts on car insurance
Learn to maximize car insurance discounts without compromising coverage with our comprehensive guide.
19 Apr 20244 mins readIs the Maruti Suzuki Grand Vitara Safe? Unveiling Its Latest Safety Ratings
As the automotive landscape continues to evolve, safety remains a paramount concern for car buyers, particularly in India. The Maruti Suzuki Grand Vitara, a product of the Maruti and Toyota joint venture, has emerged as a significant contender in the SUV market dominated by the likes of Hyundai Creta and Kia Seltos. But how does it stack up in terms of safety? Let's delve into the details of the Grand Vitara's safety features, awaited ratings, and the implications for those looking to buy a car
7 May 20243 mins readTop 5 Cheapest Electric Cars in India: 2024 Edition
As the world progressively shifts towards sustainable mobility, India is not far behind, experiencing a significant uptake in electric vehicles (EVs). This shift is propelled by both governmental incentives and the innate cost-effectiveness of EVs compared to traditional internal combustion engine (ICE) vehicles. However, the adoption of EVs in India faces challenges such as range anxiety and the limited availability of charging stations. To aid potential buyers, this blog post highlights the fi
1 May 20243 mins readFord Endeavour 2024: Price, Launch Date & Specs in India
Prepare for the awesome launch of Ford Endeavour 2024 in India! Discover its price specs & even more. Boost your SUV experience today!
17 Apr 20242 mins readNew Renault Duster is coming to India and is under work
Midsize monocoque SUV trend began in India due to the Renault Duster. Unfortunately, Renault failed to properly replace or evolve the Duster, enabling competitors to dominate the market. It might change if the brand's intentions to bring the next-generation Duster become a reality. Not only will the Renault Duster be new, but it will be built on the CMF-B platform. The next-gen Renault Duster is all-new After almost a decade, the famous Duster phased out of production in our country, but Renaul
11 Mar 20222 mins readVolkswagen Virtus sedan unveiled globally, launch in May 2022
The all-new Volkswagen Virtus just made its world debut, and the sedan will go on sale for the first time in India. As a global midsize sedan, the Virtus is already available in over 25 countries, and the new model unveiled today is a made-in-India facelift. The Virtus will replace the Vento sedan in India. The new Volkswagen Virtus dynamic Line and the Performance Line offer 1.0 and 1.5 TSI variants, respectively, for the new model. Starting today, pre-bookings for Virtus are available. Desig
9 Mar 20223 mins readSkoda Slavia review - Hottest sedan in its segment
Skoda specialises in sedans. From the first-generation Octavia, which established Skoda as a luxury car brand in India over two decades ago, to the best-in-class Superb and, of course, the popular Rapid. SUVs and hatchbacks have come and gone, but Skoda's backbone in India has remained the three-box sedan. The Slavia, Skoda's new car, is important because the Slavia is part of a USD 1 billion (about Rs 7,500 crore) commitment to developing products more in tune with local tastes and budget. Lik
9 Mar 20225 mins readApple and OSAT are developing autopilot technology for car
The Apple car could be the latest innovation from Apple Inc., and it will be a self-driving electric vehicle. Its self-driving mode will allow the driver to take their hands off the wheel and feet off of pedals while driving. OSAT, a South Korean company, has teamed up with Apple to work on autopilot technology for cars. Apple's South Korean offices are leading the project. It began in 2021 and might end in 2023. According to reports, Apple is following Tesla's route. For its autopilot chip, El
25 Feb 20221 mins read2022 Maruti Baleno facelift vs old Baleno - Is it better?
All new 2022 Maruti Suzuki Baleno [https://www.carinfo.app/all-new-maruti-suzuki-baleno-launched-at-6-35-lakh/] facelift is finally launched. How different is it from the old one? Is it a worthy competitor to the likes of Hyundai i20 and Tata Altroz? Let us find out in this detailed comparison. Exterior The most visible styling differences between the two variants are in the front and rear ends designs. The grille of the new Baleno is larger, honeycomb-patterned, and extends to the new wraparo
27 Feb 20223 mins readVW Virtus premiere in India on March 8 and launches on May
The all-new Volkswagen Virtus will soon hit the Indian market. The German sedan will replace the Vento in India. The brand expects to launch the car in India in May 2022. Here are the VW Virtus's specifications. All new Volkswagen Virtus debut in India The facelifted version of the Virtus sedan is already available in South American markets since 2018. However, the second generation will debut first in India, before making its way to South America and other markets. With its facelift, you can
17 Feb 20222 mins read
CarInfo is your all-in-one app for all your vehicle info needs and RTO vehicle information. Now manage all your vehicles in one place. Trace your car number with owner name
Follow Our Journey:
.e182ab86.svg){kind=small}
Popular Hatchbacks
Download the
CarInfo App:
