Why your two wheeler insurance claim can get rejected?

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You would have bought a 2 wheeler insurance policy to get your bike covered against risks. In case of an accident or theft, you can make an insurance claim to get your losses compensated. Most insurance claims are generally accepted but there are many cases of claims being rejected.

If your claim is not submitted as per process or if there are any deficiencies in your claim, it is likely to be rejected. Before you make a claim, you must be aware of the reasons why your claim may be rejected. The following are some of the top reasons for rejection of insurance claims.

1) Not having the right coverage

If you have third party insurance, then you cannot claim for damages to your own vehicle. Your policy will list out inclusions and exclusions. Driving when being drunk or not having a valid driving license at the time of the accident is not covered in your policy. You must know about all theinclusions and exclusions. This will help you avoid making claims that are out of coverage.

2) Policy not being valid

If you have forgotten to renew your insurance policy and an accident occurs, then your claim will be rejected. If the policy is not valid or has lapsed on the date of the accident/theft, then your claim will definitely be rejected. So ensure that you renew your policy on time.

3) Not following the process

Your claim must be submitted as per the defined process. It must be intimated on time. Any documentation needed (like FIR copy for theft) needs to be submitted. Not following the process can lead to your insurance claim being rejected.