Tips to Prevent Your Bike Claim to Be Rejected

At the time of investing on a two-wheeler insurance plan, your expectations are quite high. It is obvious as you invest a lot buying that bike which now becomes a part and parcel of your life. You are also careful about all the documents and related process while adopting a bike insurance plan for your two-wheeler to protect it from damage or loss.
But are you sure that you won’t face any difficulty while filling a claim if God Forbid, a mishap occurs? If you are not sure then this article is for you!

Rejections are not acceptable and when it is about your vehicle claim, the situation even worse. It is always safe to stay away from the situations, which might be a reason for your bike claim rejection. Though a protection policy is for the interest of the use, the insurer also possesses certain rights to reject the claim application in some situations. Try to avoid them and file a hassle free claim!

• Invalid Driving LicenseIt is good that you are vigilant about the due date of your two-wheeler insurance. But are you equally careful about renewing your expired driving license? If not then it can put you in a big problem at the time of claiming insurance. Because with an invalid driving license, you won’t be able to avail the insurance benefits if God forbids, your vehicle meets an accident. So, try to keep a check on this point to avoid claim rejection.
• No Drinking While DrivingThis term is so often applicable for all vehicle owners. It is a law now and strict action is taken against the vehicle owner. If a driver is founded drunk when an accident occurs, the insurance company will reject the claim straightaway. Many times, drivers try to hide if they were drinking. This may work in minor cases and you don’t get maximum damage. But in some cases where the loss is huge and hospitals reveal the state of the driver to the police. In this case, it is better not to expect insurance coverage.
• Fake LicenseNeedless to say, producing a fake license in front of your insurer can be a reason for your claim rejection. As per the recent govt. records, almost one-third of driving license in India are fake. When loophole and malpractices prevalent in issuing a driving license, it is solely you how to remain unaffected and follow the legal procedures.
• Be Clear About ModificationsIt is good to keep your insurer updated about any modifications you made to your vehicle. If the insurer finds any discrepancy in the information that you provide, the claim could be turned down.
• Report the Accident ImmediatelyIf you delay reporting an accident that your bike meets, it may adversely affect your insurance claim process. Normally the insurer allows 48 hours from the incident occurs. However, some provide additional time limit but it shouldn’t exceed the limit.

The above-mentioned aspects are the defining factors of your insurance claim. Many auto insurance companies follow their own terms. Among them, Bajaj Allianz Bike Insurance is worth mentioning. And we hope there is no excuse on that. If an insurer finds you using the policy terms reverse, it may reject your claim application. So, it is always advisable to be careful while filing a bike insurance claim. There may be chances of Consumer Forum or Civil Court to entertain your case as well in the extreme case.