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  • 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
    • HDFC Ergo Two Wheeler Insurance
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      I am holding the car insurance policy with HDFC ERGO GENERAL INSURANCE from last 4.5 years.I have purchased this insurance through showroom also i had no claim experience with this policy. The premium and IDV is satisfactory. The coverage is for comprehensive.
      Was this review helpful? 1
      , kolkata
      Reviewed on Oct 15, 2018
    • Bajaj Allianz Two Wheeler Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      I am holding the two wheeler policy withBAJAJ ALLIANZ GENERAL INSURANCE from last more than 1 year. I have purchased through showroom. The premium and IDV is satisfactory. I had no claim experience with this policy. The coverage is for full two wheeler.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Oct 15, 2018
    • Bharti Axa Two Wheeler Insurance
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      I have purchased the policy with BHARTI AXA GENERAL INSURANCE on 2017 where i have a good experience. I had no claim experience with this policy also the premium and also the IDV value is satisfactory with this policy. They have provided the satisfactory coverage.
      Was this review helpful? 2
      , hyderabad
      Reviewed on Oct 12, 2018
    • Reliance General Two Wheeler Insurance
      "Good Policy"
      0.5 3.5/5 "Pretty good"
      I have a two wheeler insurance with Reliance general insurance from last 2 years, a premium of Rs 2700 has to be paid for this insurance policy. I have not claimed anything so far with this insurance policy and i am happy with the coverage value.
      Was this review helpful? 2
      , kochi
      Reviewed on Oct 12, 2018
    • New India Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      My two wheeler is insured with New India assurance from last 1 year, a premium of Rs 1200 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 coverage and plan benefits of this policy.
      Was this review helpful? 1
      , chennai
      Reviewed on Oct 11, 2018
    • ICICI Lombard Two Wheeler Insurance
      "GOOD"
      0.5 4.5/5 "Excellent!"
      It is a user friendly policy so i have purchased the two wheeler policy with ICICI LOMBARD GENERAL INSURANCE. I had no claim experience with this policy but the premium and also the IDV is nominal. Policy coverage is for 3rd party in this insurance.
      Was this review helpful? 1
      , bangalore
      Reviewed on Oct 11, 2018
    • New India Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have a two wheeler insurance with New India Assurance from last 4-5 years, a premium of Rs 1200 has to be paid for this insurance policy. I have not claimed anything so far with this insurance policy and i am happy with the coverage value.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 11, 2018
    • Shriram Two Wheeler Insurance
      "Average policy"
      0.5 3.0/5 "Satisfactory"
      I have taken two wheeler insurance from SHRIRAM GENERAL INSURANCE , i got this policy through the showroom where i got the two wheeler . Am satisfied with the premium amount which am making the payments its has good coverage . The good about their service is they used to remind the customers for renewal.
      Was this review helpful? 2
      , new delhi
      Reviewed on Oct 10, 2018
    • Iffco Tokio Two Wheeler Insurance
      "Best Policy"
      0.5 5.0/5 "Blown Away!"
      I have taken two wheeler insurance from Iffco Tokio insurance policy , i got this policy through the showroom where i got the two wheeler . Am satisfied with the premium amount which am making the payments its has good coverage . The good about their service is they used to remind the customers for renewal.
      Was this review helpful? 1
      , new delhi
      Reviewed on Oct 09, 2018
    • ICICI Lombard Two Wheeler Insurance
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      I am holding the two wheeler policy with ICICI LOMBARD GENERAL INSURANCE from last 3 years where the service is good and also i have not experienced with any claim with this two wheeler policy. The policy coverage and also the premium, IDV value is satisfactory.
      Was this review helpful? 1
      , chennai
      Reviewed on Oct 09, 2018
    • United India Two Wheeler Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      I am using the two wheeler policy from UNITED INDIA INSURANCE from last 10 years also i had a good experience. The service is good also i have not experience d with any claim with this policy. The policy coverage is for 3rd party. Premium and the IDV is 13000.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Oct 09, 2018
    • Tata AIG Two Wheeler Insurance
      "Good policy"
      0.5 4.0/5 "Great!"
      I have taken two wheeler insurance from Tata Aig insurance company I make the payment of rs 1300 for yearly through their agent . Customer service and response is average as they didn't explained the policy benefits .Overall am satisfied with the premium amount which am paying .
      Was this review helpful? 2
      , secunderabad
      Reviewed on Oct 06, 2018
    • ICICI Lombard Two Wheeler Insurance
      "Good policy"
      0.5 4.0/5 "Great!"
      I have taken two wheeler insurance from Icici Lombard General insurance for this. I made the payment for 1 years through online banking . Customer service and response is average as they have explained the benefits of the policy . It has good policy coverage with good policy benefits.
      Was this review helpful? 1
      , secunderabad
      Reviewed on Oct 06, 2018
    • Iffco Tokio Two Wheeler Insurance
      "good service"
      0.5 4.0/5 "Great!"
      I have my two wheeler insured with IFFCO TOKIO , my claim experience with this insurance is good and i they charge premium per year 1000 rupees per year i do payment by cash or by online by my debit card or by credit card i dont have much idea about the benefit they covered.
      Was this review helpful? 8
      , new delhi
      Reviewed on Oct 03, 2018
    • HDFC Ergo Two Wheeler Insurance
      "GOOD SERVICE"
      0.5 5.0/5 "Blown Away!"
      I have purchased the two wheeler policy through HDFC ERGO GENERAL INSURANCE where i am using from last 1 year and i had no claim experience with this policy. Premium i am paying 1200-1300k and the IDV value is satisfactory. Coverage is for basic.
      Was this review helpful? 3
      , bangalore
      Reviewed on Oct 03, 2018
    • Bajaj Allianz Two Wheeler Insurance
      "Good service"
      0.5 4.5/5 "Excellent!"
      It has been a very good experience i had with them so far. I had been paying the premiums monthly and the premium amount has not been very high and i had been making the payments online. There has not been any claims made so far and their customer support also had been helpful at times.
      Was this review helpful? 3
      , hyderabad
      Reviewed on Oct 02, 2018
    • HDFC Ergo Two Wheeler Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      My two wheeler is insured with HDFC ERGO from last 1 year, i am happy with the coverage value and plan benefits of this insurance policy. I have no claim experience so far with this insurance policy so far and i pay a premium of Rs 2000.
      Was this review helpful? 5
      , mumbai
      Reviewed on Oct 01, 2018
    • New India Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      My two wheeler is insured with New India Assurance from last 1 year, I pay a premium of less than Rs 1000 for this insurance policy. There was no claim experience so far with this insurance policy. I am happy with the policy coverage and plan benefits of this policy.
      Was this review helpful? 5
      , bangalore
      Reviewed on Sep 29, 2018
    • L and T Two Wheeler Insurance
      "Good Policy"
      0.5 5.0/5 "Blown Away!"
      I have a two wheeler insurance policy with L&T general insurance from last 2 years. I am happy with the coverage value and plan benefits of this insurance policy. I am not aware of the premium amount and i have no claim experience with this insurance.
      Was this review helpful? 3
      , hyderabad
      Reviewed on Sep 29, 2018
    • Bajaj Allianz Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      My two wheeler is insured with Bajaj Allianz from last 1 year and it is a good policy to use. A premium of Rs 3000 has to be paid for this insurance policy. I have not claimed anything so far with this insurance policy and the coverage value is good in this policy.
      Was this review helpful? 6
      , vadodara
      Reviewed on Sep 27, 2018
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