Bike insurance is mandatory to buy in India as per the Motor Vehicle Act, 1988. Every vehicle owner has to follow this legal norm without a doubt. This is to make vehicle owners safe in any mishap from the financial burden along with their vehicles. And, at the time of claim, you have to keep in mind certain important things to avoid claim rejections. If you don't follow certain regimes your claim may get rejected.
Following are the 10
reasons why bike insurance claims get rejected -
1 - Lapsed policy:
If your policy has already lapsed, you can't get the claim.
2- Limited coverage:
If you don't have third-party liability, you can't file for your own damage.
3- No license:
Not having an active driving license can lead to claim rejection.
4- Drunk riding:
If you got into an accident under the alcohol influence, you won't get the
claim.
5- False claim:
Be transparent while filing a claim, avoid fraudulent or get rejected.
6 - Delay claim
intimation: Delay claim intimation is one of the reasons for claim rejection
so avoid it.
7 - No transfer of
ownership: If you have purchased a second-hand bike, without transfer of
ownership then you can't get the claim.
8 - Any
modifications: If you haven't informed your insurer about the bike's
modification, your claim may get rejected.
9 - If used
commercially: Using your personal bike indulge for commercial purposes then
your claim may get rejected.
10 - Illegal use of
bikes: If any illegal activity is found, you may be liable to claim
rejection.
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