• 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
    • ICICI Lombard Two Wheeler Insurance
      "best policy"
      0.5 5.0/5 "Blown Away!"
      I had taken a two wheeler insurance policy from the top most private sector insurance company ICICI LOMBARD GENERAL INSURANCE. My annual premium is very reasonable by comparing with other insurance products which is 1900/-. . I can prefer online to renew my two wheeler insurance policy with in the due date. I had bought this two wheeler insurance policy along with my vehicle.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 18, 2018
    • New India Two Wheeler Insurance
      "Good Policy"
      0.5 3.5/5 "Pretty good"
      I have my two wheeler insured with New India Assurance 1 year back, i am happy with the coverage value of this insurance policy. I did not claim anything so far from this insurance policy. A premium of Rs 1200 has to be paid for this two wheeler insurance.
      Was this review helpful? 0
      , noida
      Reviewed on Apr 18, 2018
    • Liberty Videocon Two Wheeler Insurance
      "better experience"
      0.5 4.0/5 "Great!"
      I had taken a two wheeler insurance policy from the public sector insurance company LIBERTY VIDEOCON GENERAL INSURANCE. My annual premium amount is quite high by comparing with other premiums. I did not received my policy document by mail and hard copy too.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 18, 2018
    • HDFC Ergo Two Wheeler Insurance
      "best policy"
      0.5 5.0/5 "Blown Away!"
      I had taken a two wheeler insurance policy from the public sector insurance company HDFC ERGO GENERAL INSURANCE. My annual premium amount is Rs. 4000/- which is very reasonable by comparing with other premiums. I had received my policy document by mail.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 18, 2018
    • National Insurance Two Wheeler Insurance
      "best policy"
      0.5 4.0/5 "Great!"
      I had taken a two wheeler insurance policy from the public sector insurance company NATIONAL INSURANCE. My annual premium amount is Rs. 1600/- which is very reasonable by comparing with other premiums. I had received my policy document by mail.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Apr 18, 2018
    • ICICI Lombard Two Wheeler Insurance
      "good policy"
      0.5 4.0/5 "Great!"
      I had taken a two wheeler insurance policy from the top most private sector insurance company ICICI LOMBARD GENERAL INSURANCE. My annual premium amount is very reasonable by comparing with other premiums. I had received my policy document to my registered communication address.
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 18, 2018
    • Iffco Tokio Two Wheeler Insurance
      "Average service"
      0.5 2.0/5 "Expected more"
      I have got the two wheeler insurance policy from the IFFCO TOKIO around 2 years ago. I have paid Rs, 1800 to get this policy from the Iffco tokio and this policy has the tenure of 2years. The customer support service and the response is good here, and they won't give the intimations to renew the policy on time.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 18, 2018
    • Iffco Tokio Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my two wheeler insured with IFFCO TOKYO from last 4-5 years, i do not have claim experience so far with this insurance policy. A premium of Rs 1200-1500 has to be paid for this insurance and i am happy with the coverage value of this insurance policy.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 17, 2018
    • Bharti Axa Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have recently taken a two wheeler insurance with Bharti Axa general insurance 6 months back. The coverage value of this insurance policy is 50% which is satisfactory. I have not claimed anything so far from this insurance and i pay a premium of Rs 1100 for this insurance policy.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 17, 2018
    • National Insurance Two Wheeler Insurance
      "Not satisfied"
      0.5 2.5/5 "Just OK"
      I have my two wheeler insured with National insurance from last 1 year, I am not satisfied with the coverage value of this insurance. I had a claim experience but they covered only 70-80%. A premium of Rs 1300 has to be paid every year for this insurance policy.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Apr 17, 2018
    • Iffco Tokio Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I hold a two wheeler insurance with IFFCO TOKYO from more than 5 years, the coverage value of this insurance policy is satisfactory. I have not claimed anything so far from this insurance policy. I pay a premium of Rs 1000 every year for this insurance policy.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 17, 2018
    • Bharti Axa Two Wheeler Insurance
      "better experience"
      0.5 3.0/5 "Satisfactory"
      I had taken a two wheeler insurance policy for my vehicle from the top most insurance company BHARTI AXA GENERAL INSURANCE. I didn't received my policy document. The customer support is not up to mark. My annual premium is very reasonable by comparing with other premiums.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 17, 2018
    • Reliance General Two Wheeler Insurance
      "good policy"
      0.5 3.0/5 "Satisfactory"
      I had taken a Two insurance policy from the RELIANCE GENERAL INSURANCE. My annual premium is Rs, 1000/- which is very reasonable by comparing other premiums. I had received policy hard copy document by registered post. I dint have any claim experience so i am unable to comment on it.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 17, 2018
    • HDFC Ergo Two Wheeler Insurance
      "Average policy to use"
      0.5 3.0/5 "Satisfactory"
      The HDFC ergo has given me the two wheeler insurance policy, and I renew the policy for the past 4 years. The customer support service is not giving the intimations to renew the policy on time. I don't have any claim experience with this HDFC ergo two wheeler insurance policy.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 17, 2018
    • ICICI Lombard Two Wheeler Insurance
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I got the two wheeler Insurance policy from the ICICI LOMBARD GENERAL INSURANCE last year. The customer support service is good with the ICICI Lombard ,because they give good response to the customers. I have paid Rs,1500 to renew the policy last time.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Apr 17, 2018
    • New India Two Wheeler Insurance
      "Better policy to use"
      0.5 4.0/5 "Great!"
      Renewing the two wheeler insurance policy from the New India assurance company and I renew it for the 4th time. I don't have any claim experience from this new India assurance two wheeler insurance policy , but I would say the policy is better to use.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 16, 2018
    • HDFC Ergo Two Wheeler Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I have a two wheeler insurance with HDFC ERGO from last 6 years, the coverage value of this insurance policy is satisfactory. I have not claimed anything so far with this insurance policy. A premium of Rs 1600 has to be paid for this insurance policy every year.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 16, 2018
    • Magma HDI Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my two wheeler insured with Magma insurance from last 1 year, a premium of Rs 1600 has to be paid every year for this insurance policy. I have not taken any claim experience so far with this insurance and i am satisfied with the coverage value of this insurance.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 16, 2018
    • Iffco Tokio Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have recently taken a two wheeler insurance from IFFCO TOKYO 1 month back, i am happy with the coverage value of this insurance and i have not claimed anything so far from this insuranc. I pay a premium of Rs 1200 for this insurance policy.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 16, 2018
    • HDFC Ergo Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my two wheeler insured with HDFC ERGO 9-10 years, it is one of the good insurance policy to use. I have not claimed anything so far with this insurance and the coverage value of this insurance is 60-70% and i pay a premium of Rs 1200-1500.
      Was this review helpful? 0
      , kolkata
      Reviewed on Apr 16, 2018
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