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.
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 , 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.