• Top Reasons Why Two Wheeler Insurance Claims Are Denied

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    It is not uncommon for a two wheeler insurance company to deny claims. There are obligations and stipulations that must be fulfilled by the policyholder so that there are no concerns when filing for claims. Following are the main reasons as to why an insurance company could reject your two wheeler insurance claim.

    Misrepresentation of Facts

    The most common reason why a two wheeler insurance company rejects claims in misrepresentation of facts. The insurer must have up-to-date insurance regarding the policyholder and the vehicle insured. If the company is not informed about all the details regarding the accident, the vehicle and the rider, it could reject your insurance claim. Moreover, policy rates may also change as a result of this, making it instrumental to keep your insurer updated about everything they need to know.

    Fraudulent / False Claims

    Although the aim of an insurance policy is to offer financial protection to the policyholder in times of trouble, many are known to use them to make profits. Insurance companies are rejecting an increasing number of claims from individuals who provide false information in order to gain more coverage than they require. In case the company finds anything awry, it will investigate the claim to confirm its authenticity. If an individual is found guilty of providing false information or making a fraudulent claim to get more money, not only will their claim be denied, but such an individual will also be liable for serious legal action. Fraudulent applications have the potential to put a black mark on your record, thereby making it very difficult for you to purchase a policy in the future.

    Unlawful Acts

    When making an insurance claim following a two wheeler accident, it is essential to ensure that you have not committed any unlawful acts as your claim could backfire. In case the rider was found guilty of drunken driving, riding without a valid license, or stunt driving, etc., the policy will be terminated immediately. Even if the vehicle was not being used by the policyholder, but the rider had the permission of the policyholder, the policyholder will be held liable.

    Claim Coverage

    There are several instances wherein claims are filed by individuals who haven’t checked their policy document to confirm whether or not their policy covers their claim particulars. If you have a comprehensive two wheeler insurance policy along with add-on covers, the insurance company will cover majority of the costs. However, if you have not purchased these add-ons, there is a good chance that certain costs will have to be borne by the policyholder himself. Make sure you read the fine print and gain a thorough understanding of what is covered by your policy and what is excluded before filing a claim.

    Unlicensed Driving

    It is quite common for an owner of a two wheeler to lend their vehicle to a friend. In case you lend your two wheeler to someone else, make sure that they possess a valid driving license as insurance companies do not entertain claims if the rider of the vehicle does not have a license. Since you are allowed to nominate other riders when taking out a two wheeler insurance policy, your claim will be accepted if the rider of the vehicle was a nominee who has a valid license. However, some policies only provide coverage to the regular drivers, while some offer coverage to any licensed driver or named driver. Make sure that your policy covers other drivers before filing a claim.

    Faulty Vehicle / Parts

    If your two wheeler is not in good condition and has issues such as loose brakes or faulty tyres, the insurance company can reject your claim. It is essential to ensure that your vehicle is in perfect working condition at all times so that claim settlement becomes a less tedious affair. It is also important to install security devices so that claims relating to theft can be investigated with relative ease. Make sure that your vehicle is serviced regularly as insurance companies are known to reject claims citing that the insured vehicle was not serviced as per the service intervals specified by the manufacturer.

    These are some of the circumstances under which an insurance company can reject your two wheeler insurance claim. Make sure you read through your policy document carefully and ensure that you have adhered to all the regulations before filing a claim.   

    Why Two Wheeler Insurance Claims Are Denied Reviews

  • Page 1 of 50 1 2 3 4 5
    • New India Two Wheeler Insurance
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      I have been using my two wheeler insurance from the NEW INDIA ASSURANCE since 7 years. I had no claiming experience with my two wheeler insurance. Policy coverage is good and also the plan benefit is good in my insurance. When it come to the premium i am satisfied.
      Was this review helpful? 0
      , bhubaneshwar
      Reviewed on Jun 14, 2018
    • Bajaj Allianz Two Wheeler Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      My bike is insured with the Bajaj Allianz. I am paying the premium of 1100, I do not have any claim experience with the policy. I make payments online which is comfortable for me. I never had any issues so far and I'll have to wait and see how they respond to my request in future.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Jun 14, 2018
    • Reliance General Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have a two wheeler insurance with Reliance from last 1 year, i am happy with the coverage value of this insurance policy. I have not claimed anything so far from this insurance policy. A premium of Rs 1200 has to be paid every year for this insurance policy.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 14, 2018
    • Bajaj Allianz Two Wheeler Insurance
      "Good service"
      0.5 3.0/5 "Satisfactory"
      The policy coverage is good with this policy and I have got the Two wheeler insurance policy around 2 months ago. The customer support service and the response is good with the BAJAJ ALLIANZ GENERAL INSURANCE company. I have paid Rs,2500 to get this policy and it is valid for 2 years.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 13, 2018
    • ICICI Lombard Two Wheeler Insurance
      "Good policy to use"
      0.5 4.0/5 "Great!"
      I renew my two wheeler insurance policy with the ICICI LOMBARD for the past 4 years. I pay Rs,1200 to renew the policy last time. This policy has the tenure of one year. The plan benefits and the policy coverage is average with the ICICI Lombard two wheeler insurance policy.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 13, 2018
    • United India Two Wheeler Insurance
      "Average service"
      0.5 3.0/5 "Satisfactory"
      I have insured my two wheeler with the UNITED INDIA INSURANCE company . I am renewing my policy for the past 8 years with the same UNITED INDIA INSURANCE company , because they give intimations on time , at times they miss to send the reminders.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 13, 2018
    • Bajaj Allianz Two Wheeler Insurance
      "Good"
      0.5 4.5/5 "Excellent!"
      I have insured my two wheeler with the Bajaj allianz general insurance company. The coverage value is not depreciated. Papers are on hardcopy end, which was released. I am really happy with the Bajaj allianz general insurance company.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 13, 2018
    • ICICI Lombard Two Wheeler Insurance
      "Better"
      0.5 4.0/5 "Great!"
      I have two wheeler, which got insured with the ICICI Lombard general insurance company. Customer service is okay one for me with them. Coverage value is good one with the ICICI lombard general insurance company.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 12, 2018
    • Bajaj Allianz Two Wheeler Insurance
      "Better"
      0.5 4.0/5 "Great!"
      I have insured my two wheeler with the Bajaj allianz general insurance company. I would like to say that the customer service is good one and the coverage value is around 1 lakh Rupees. I really felt happy with the Bajaj Allianz general insurance company.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 12, 2018
    • Reliance General Two Wheeler Insurance
      "Average"
      0.5 3.0/5 "Satisfactory"
      I have two wheeler, which got insured with the Reliance general insurance company, I have got it before twenty days of time. I would like to say that the customer service is bit slower one. I am happy with the till now.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 12, 2018
    • Bajaj Allianz Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have taken Bajaj Allianz two wheeler insurance from last 1 year, i am happy with the coverage value of this insurance policy. I have not claimed anything so far from this insurance policy. I pay a premium of Rs 2000 for this insurance policy and it has to be renewed every year.
      Was this review helpful? 0
      , thane
      Reviewed on Jun 11, 2018
    • Bajaj Allianz Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have a two wheeler insurance with Bajaj Allianz from last 2-3 years and it is one of the good policy. I have no claim experience so far from this insurance policy. A premium of Rs 1500 has to be renewed every year for this insurance and the coverage value is good in this policy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 11, 2018
    • Bajaj Allianz Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have a two wheeler insurance with Bajaj Allianz from last 2-3 years and it is one of the good policy. I have no claim experience so far from this insurance policy. A premium of Rs 1500 has to be renewed every year for this insurance and the coverage value is good in this policy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 11, 2018
    • HDFC Ergo Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my two wheeler insured with HDFC ERGO from last 3 years, i am not aware of the premium amount for this insurance policy. I have not claimed anything so far from this insurance policy. I am happy with the coverage value of this two wheeler insurance policy.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 11, 2018
    • 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, i am happy with the coverage value of this insurance policy. I have not claimed anything so far from this insurance policy. I pay a premium of Rs 2000 for this insurance and has to be renewed every year.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 11, 2018
    • Iffco Tokio Two Wheeler Insurance
      "Good service"
      0.5 3.0/5 "Satisfactory"
      The IFFCO TOKIO GENERAL INSURANCE has insured my two wheeler and I have got the vehicle which has the insurance of good plan benefits and the better coverage with it. I have paid Rs,1200 to get this policy. I would say it is a god service which we get from the IFFCO TOKIO GENERAL INSURANCE company.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 11, 2018
    • ICICI Lombard Two Wheeler Insurance
      "Choose Better policy other than ICICI"
      0.5 2.0/5 "Expected more"
      I have got this two wheeler insurance from the dealer. I never met the insurance provider. They have wrongly updated my name in the insurance policy. I have paid the premium of Rs, 1000. They have never explained the benefits and features of this policy. I have paid the insurance by cash. Cashless claim is available.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 10, 2018
    • ICICI Lombard Two Wheeler Insurance
      "Best"
      0.5 4.0/5 "Great!"
      I have two wheeler insurance policy with the ICICI lombard general insurance company. Its very new bike and the customer service is good one, also the coverage value and premium value is fine one too. Everything is better one with the ICICI Lombard general insurance company.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 08, 2018
    • ICICI Lombard Two Wheeler Insurance
      "Need to explore"
      0.5 2.5/5 "Just OK"
      I am holding the two wheeler insurance policy with the ICICI Lombard from 2017 November onward. I am paying the premium through one of my friends. Premium amount is nominal one with the ICICI lombard general insurance company.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 07, 2018
    • ICICI Lombard Two Wheeler Insurance
      "Better"
      0.5 4.0/5 "Great!"
      I have insured my two wheeler with the ICICI lombard general insurance company. I would like to say that the services are good one with them and the coverage value is also fine one too. Response is fine one with thr ICICI lombard general insurance company.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 07, 2018
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