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Why Your Two Wheeler Insurance Claim Can Get Rejected

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No one wants to think of an unwanted situation while riding a bike. Still, imagine that you got involved in an accident and your two-wheeler got severely damaged. You got it repaired and when you claimed for the damages, it was denied by the insurance company. A two wheeler insurance claim can be denied by the company if the policyholder does not fulfill certain obligations.

Here are the primary reasons based on which the insurance company can reject your two wheeler insurance claim.

Incomplete or Misrepresented Facts

When your vehicle is involved in an accident, the insurance company should be immediately informed about it, along with the severity of the accident and the details of the damage. If the company is not informed, they have the option to reject your claims owing to misrepresented facts.

False Claims

An insurance claim is meant to provide the insured with financial protection at the time of trouble. However, some people are known to misuse this and they provide false information to gain more coverage than they need. Insurance company can reject the claim if they find that the person is providing false information and submitting fake bills to get more money.

If a person is found guilty of providing wrong information, they may face serious legal action and their policy will be terminated immediately.

Involvement in Illegal Acts

If your two-wheeler is involved in an accident, it is important that you are not involved in any unlawful act during the accident. For example, if you are found guilty of drunken driving, stunt driving, or riding without a valid license, your policy claim will be rejected and your policy will be immediately terminated. 

In case you are not riding the vehicle but someone else who is guilty of the above acts is, your policy claim will be rejected.

Loss Not Covered in the Policy

Many times, people do not carefully read the policy documents and are unaware of what is covered by their policy and what is not. If you have bought a comprehensive two-wheeler insurance policy, there are chances that the majority of the costs will be covered. Yet, there are certain things which may not be covered by your policy and claims for those things will be rejected by your insurance company. To avoid such mishaps, it is important to read the fine print of the policy documents carefully before making a claim.

Invalid Driving License

People often lend their two wheelers to a friend or family members. Insurance companies have got this covered too as you are allowed to nominate other riders at the time of policy purchase. Your claim will be accepted if the vehicle is being driven either by you or by the nominee who has a valid driving license. In other cases, it won’t be accepted. Therefore, be careful of who you are lending your vehicle to.

Faulty Vehicle or Faulty Parts

If the insurance company finds that your vehicle was not in good condition and had faulty parts at the time of the accident, it can reject your claim. Therefore, it is important to get your vehicle serviced at regular intervals as specified by the manufacturer.

Keeping the above cautionary points in mind can help you make a valid claim in case your bike gets involved in an accident or gets stolen or damaged by natural calamities.

The above information is for illustrative purpose only. For more details, please refer to policy wordings and prospectus before concluding the sales.

Disclaimer: The above information is for illustrative purpose only. For more details, please refer to policy wordings and prospectus before concluding the sales. This blog has been written by

S. Gopalakrishnan | Motor Insurance Expert | 40+ years of experience in insurance industry

A veteran in insurance industry. S. Gopalakrishnan is a name to reckon with in the field of reinsurance, he has headed the Reinsurance department and has rich experience in other fields of motor insurance. He loves to share his opinion on latest topics in the insurance industry and how he can help people in safeguarding their assets using insurance products.

S. Gopalakrishnan recommends "HDFC ERGO for your vehicle insurance needs, it has always put customer’s interest at the forefront, with round the clock assistance to deal with emergency breakdown issues and hassle free claims process. You can be assured of complete and reliable guidance through the whole process".

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