Insurance is like a spare tyre. You may not require it, but not having one is not an option.

Two Wheeler Insurance Tips – When Not to Claim Insurance

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Before filing for a two wheeler insurance claim, it is essential to go through the fine print on your policy document to understand what costs are covered and those that are excluded. Many times, policyholders have their claims rejected as they are not covered for certain costs that they wish to claim. In case you have purchased a comprehensive two wheeler insurance policy along with add-on covers that will increase the value of your policy and ensure that you are totally covered, the insurance company will accept your claim and reimburse or cover the expenses arising out of accidents, if any. However, if you have failed to purchase such add-ons as accident hospitalisation or third party liability cover, the insurance company may ask you to bear some costs yourself. It is therefore very important to file claims only when you are confident that they will be considered by the insurance company.

Incomplete Disclosure of Details

In case you had not disclosed some information to the insurance company at the time of purchasing the insurance policy, or if some of the information was presented falsely or incorrectly, it is better if you do not file for a claim in case of an accident. The reason is that not only will the company reject your claim on grounds of misrepresentation of facts, but it can also cause legal implications. Make sure that the insurance provider is up to date with all the necessary information before you file a claim.

Driving Under the Influence of Drugs or Alcohol

Individuals are also requested to refrain from making claims if they were driving under the influence of drugs or alcohol at the time of the accident. Again, insurance companies will not entertain such claims and the fact that you were driving under the influence could get you into deep trouble, especially if there was damage caused to any third party.   

Fraudulent Additions

When making a claim, it is not uncommon for people to add extra repairs to parts in order to lower their own costs of servicing. If the insurance company finds out that you have been trying to claim more insurance than you deserve, not only will it revoke the policy and make you bear all costs by yourself, but will also terminate your policy immediately, which will in turn leave a black mark on your record, thus making it extremely difficult for you to find another two wheeler insurance policy in the future.

Unlicensed / Non-nominated Riding

In case you had lent your two wheeler to a friend and he / she met with an accident, the insurance company will not entertain a claim if the rider was riding without a valid driving license. If you wish to make a claim in such a situation, make sure that the rider had a valid license on their person at the time of the accident. The policyholder will be liable for charges in case the rider did not have a license as it implies that the policyholder granted permission to a non-licensed individual. While some policies cover only the owner of the vehicle, other policies allow the owners to nominate other riders too. At the time of claims, insurance companies consider the claim application in case the accident was caused when the vehicle was operated by the owner or a nominated rider. So if the rider who met with an accident was not nominated and did not carry his / her license at the time of the accident, refrain from making a claim as it could open the door to unnecessary legal problems.

Improper / Irregular Servicing

In case your vehicle was not serviced as per the specifications of the manufacturer, the insurance company will not consider claims if the vehicle has met with an accident. The reason as cited by most insurance providers in such circumstances is faulty vehicle parts that could have played a part in causing the accident. If in the future you wish to claim insurance for your two wheeler , make sure that it is serviced regularly as per the instructions provided by the manufacturer.

Two wheeler insurance companies are known for rejecting claims wherein the policyholders have not adhered to their regulations. Make sure that you are always in the right before filing a claim.

Tips for Two Wheeler Insurance Claims Reviews

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  • ICICI Lombard Two Wheeler Insurance
    "Need a reminder call"
    0.5 4.0/5 "Great!"
    I took my two wheeler insurance with ICICI Lombard. I have been with them for around 7 years and the services are good. I have no claim experience. The premium is reasonable. The benefits are less compared to others. There was no reminder call from the customer support during the policy renewal, it would be great if they do it.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 23, 2019
  • Iffco Tokio Two Wheeler Insurance
    "Good exper"
    0.5 5.0/5 "Blown Away!"
    My two wheeler insurance is with Iffco Tokio. The premium is good and I have no claim. I spoke to the customer service and it was a good experience. I have chosen first party insurance. I have received the insurance paper. I have paid Rs.1300 approx through card to purchase one year policy.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 23, 2019
  • ICICI Lombard Two Wheeler Insurance
    "Good "
    0.5 5.0/5 "Blown Away!"
    I took my two wheeler insurance from ICICI Lombard and its been 2 years. I have purchased a new bike so the insurance was offered by the showroom. Every year premium varies by the Government and its reasonable.I got the insurance paper. Am not sure about the benefits. It is a first party insurance.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jan 23, 2019
  • ICICI Lombard Two Wheeler Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    I have taken two wheeler insurance policy with ICICI Lombard for 3 years. A premium of Rs 2000-3000 has to be paid for this insurance policy. I have no claim experience so far with this insurance and the policy benefits are good in this insurance.
    Was this review helpful? 0
    , jaipur
    Reviewed on Jan 23, 2019
  • Reliance General Two Wheeler Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    I have taken two wheeler insurance from Reliance for 5 years and i am having this insurance from last 3 months. A premium of Rs 4200 has to be paid for this insurance policy. I do not have claim experience so far with this insurance.
    Was this review helpful? 0
    , surat
    Reviewed on Jan 23, 2019
  • ICICI Lombard Two Wheeler Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    I have my two wheeler insured with ICICI Lombard from last 1 year, there was no claim experience so far with this insurance policy and i pay a premium of Rs 850 for this insurance. I am happy with the plan benefits and plan coverage of this policy
    Was this review helpful? 0
    , pune
    Reviewed on Jan 23, 2019
  • Reliance General Two Wheeler Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    I have two wheeler insurance with Reliance general from last 1 year. A premium of Rs 1800 has to be paid for this insurance policy every year. I have not claimed anything so far with this insurance policy. I am happy with the plan benefits and policy coverage of this insurance.
    Was this review helpful? 0
    , pune
    Reviewed on Jan 23, 2019
  • ICICI Lombard Two Wheeler Insurance
    "Better Policy"
    0.5 3.0/5 "Satisfactory"
    My two wheeler insurance policy was taken from ICICI Lombard. The dealer has provided this policy hence i'm not aware of the premium amount. They have given me a IDV value of Rs. 70000 which covered for 100%. I had no claim experience with this policy.
    Was this review helpful? 2
    , bangalore
    Reviewed on Jan 22, 2019
  • HDFC Ergo Two Wheeler Insurance
    "Good Policy"
    0.5 5.0/5 "Blown Away!"
    My two wheeler policy was bought from 2014. There is no reason for choosing this policy. I am paying the premium amount of Rs. 2100. They have offered me a coverage amount of Rs. 31000. I will make the payment through cheque and i renew the policy by own.
    Was this review helpful? 1
    , ahmedabad
    Reviewed on Jan 22, 2019
  • Bajaj Allianz Two Wheeler Insurance
    "Good Claim Experience"
    0.5 5.0/5 "Blown Away!"
    I have invested my splendor bike with Bajaj Allianz, it was stolen in 2014. Then I applied for claim, within 2.5 months they have settled the money through account transfer, the customer support is very prompt they understood and cleared the issue.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jan 21, 2019
  • ICICI Lombard Two Wheeler Insurance
    "Smart Protection"
    0.5 2.5/5 "Just OK"
    I don't have any claim with ICICI Lombard, they are doing good job in terms of insured declared value. The representative issued the policy on time . I have scooter jupitar its around two years old. For that bike I took first party insurance is good.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jan 21, 2019
  • National Insurance Two Wheeler Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    I have a two wheeler insurance with National insurance from last 1 year. A premium of Rs 2000 has to be paid for this insurance policy. I have not claimed anything so far with this insurance policy. I am happy with the plan benefits and policy coverage of this insurance.
    Was this review helpful? 0
    , indore
    Reviewed on Jan 21, 2019
  • Bajaj Allianz Two Wheeler Insurance
    "Average Policy"
    0.5 3.0/5 "Satisfactory"
    I have my two wheeler insured with Bajaj Allianz from last 1 year, a premium of Rs 2600 has to be paid for this insurance policy. I have no claim experience so far with this insurance policy. I am happy with the policy benefits and plan coverage of this policy.
    Was this review helpful? 0
    , hojai
    Reviewed on Jan 21, 2019
  • HDFC Ergo Two Wheeler Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    I have my two wheeler insured with HDFC ERGO from last 1 year, a premium of Rs 1200-1500 has to be paid for this insurance policy. There was no claim experience so far with this insurance policy. I am happy with the plan benefits and policy coverage for this insurance.
    Was this review helpful? 0
    , rewari
    Reviewed on Jan 21, 2019
  • Reliance General Two Wheeler Insurance
    "Yet to experience the policy"
    0.5 4.0/5 "Great!"
    I am holding my two wheeler insurance from Reliance. I have not claimed anything from this policy. I pay the premium amount which is bit high compared to last year. I have chosen the reliance because the insurance is located nearby my place. They have given me a nominal IDV value. The service is prompt when i went for the renewal.
    Was this review helpful? 1
    , chennai
    Reviewed on Jan 21, 2019
  • National Insurance Two Wheeler Insurance
    "Good Insurance Company"
    0.5 4.0/5 "Great!"
    I have Hero glamer bike, I think I paid the premium around Rs. 3000 to 4000 to National insurance. My vehicle is around one year, its a first insurance I took through showroom. On time I got the paper from the insurer, they got tie up 3 to 4 service centers in Bhubaneswar.
    Was this review helpful? 1
    , bhubaneshwar
    Reviewed on Jan 21, 2019
  • ICICI Lombard Two Wheeler Insurance
    "Trusted Insurer"
    0.5 5.0/5 "Blown Away!"
    ICICI lombard its a nice insurance company, I am holding bike policy with them around one year. I have invested pulsar bike by taking comprehensive plan. The customer care is good on time they have generated the policy. I have 80% of cover based on the vehicle age.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jan 21, 2019
  • HDFC Ergo Two Wheeler Insurance
    "Best Policy"
    0.5 5.0/5 "Blown Away!"
    I have taken two wheeler insurance from Hdfc General insurance . I made the payment for 1 years through online banking . Customer service and responce is average as thye have explained the benefits of the policy .This policy covers with road side assistance and bumper to bumper coverage and the premium amount which am making for this is pretty economy .
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 20, 2019
  • Royal Sundaram Two Wheeler Insurance
    "Low Premium with Higher IDV value"
    0.5 5.0/5 "Blown Away!"
    My two wheeler insurance purchased from Royal Sundaram. They are giving the higher IDV value hence i have chosen this company. I pay the premium amount of Rs. 1000. They have given me a IDV value of Rs. 24000. I have renewed the policy through online.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jan 20, 2019
  • HDFC Ergo Two Wheeler Insurance
    "Good Protection with HDFC Ergo"
    0.5 5.0/5 "Blown Away!"
    My Activa Honda got insured with HDFC Ergo, I have been with them around two years, total term of my two wheeler policy is around three years. The premium amount is lesser based on the vehicle age. I took first party insurance its good and satisfactory.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 19, 2019
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