How to Avoid Common Claim Rejections in Two-Wheeler Insurance?

Getting two wheeler insurance is a simple process, and with the right steps, claiming it can be just as straightforward. However, even genuine claims can face rejection due to small, avoidable errors. Identifying the causes of these issues is the first step in avoiding them.

This guide breaks down the common reasons behind claim rejections and shows how you can avoid them.

5 Common Reasons Why Two Wheeler Insurance Claims Get Rejected

Here’s a breakdown of what usually goes wrong and how you can prevent it.

1. Incorrect or Incomplete Information in Policy

Even small errors can create big issues at claim time.

• Mismatched Engine or Chassis Numbers

If your policy has different numbers from your vehicle documents, the claim may not be processed.

• Misspelt Names or Invalid Addresses

Typos or outdated addresses can lead to verification issues.

When buying two wheeler insurance online, always check the accuracy of your details. Ensure your name matches your ID proof, and the chassis and engine numbers match the RC book. Also, verify your contact information and address to avoid claim issues.

2. Late Reporting of the Accident or Damage

Delays can mean lost claims.

• Most insurers require you to report the incident within 24 to 72 hours.
• Delayed claims often fall outside the claim window.

Always inform your insurer immediately after an incident. Most companies have mobile apps or 24/7 helplines for this purpose. 

3. Driving Without a Valid Licence or Documents

This is a key reason for claim rejection.

• If the rider does not have a valid licence at the time of the accident, the claim may not be processed.
• The same applies to missing or outdated RC or insurance documents.

Always make it a habit to carry your valid driving licence, the vehicle’s RC, and a copy of your insurance policy. These documents are essential during traffic checks or in case of an accident.

4. Lapsed or Expired Policy

Claims during a policy lapse are generally not processed. If your policy is not active at the time of the incident, it becomes ineligible for claims.

Set reminders to renew your insurance on time. Getting two wheeler insurance online makes the entire process quicker and more reliable, from purchase to policy issuance. 

5. Unauthorised Repairs Before Survey

Jumping into repairs without approval may lead to claim rejection. The insurer needs to inspect the damage before you get your bike fixed.

Call your insurer first, even before taking your bike to the workshop. Wait for the official surveyor’s go-ahead before proceeding with any repairs.

Top 5 Ways to Avoid Two Wheeler Insurance Claim Rejections

Here’s your go-to list to make sure your claim gets through:

1. Buy Two Wheeler Insurance Online from a Reputed Provider

Every insurer offers different features, benefits, and claim experiences.

• Go for insurers with a high claim settlement ratio
• Use their official websites or verified digital platforms

This improves your chances of smooth processing and after-sales support.

2. Read and Understand Your Policy Documents

Know what is covered and what is not.

• Read all sections, including inclusions, exclusions, and timelines
• Especially important when buying two wheeler insurance online, where no agent explains the fine print

3. Always Cross-check Information Before Submission

Simple steps can save your claim from getting stuck later.

• Verify policyholder name, contact info, vehicle details, and nominee
• Save screenshots or email confirmations for future reference

4. Include Zero Depreciation Two Wheeler Insurance

This is one of the best add-ons for claim approval.

• With a regular policy, depreciation cuts down your claim amount
• Zero depreciation bike insurance offers full value without considering depreciation

Though the premium is slightly higher, it saves a lot during actual repairs or part replacement.

5. Maintain a Record of All Documents

Proper records support a stronger claim. Keep digital and hard copies of:

• Insurance policy
• FIR (if applicable)
• Repair bills and workshop estimates
• Photographs or videos from the accident site

What to Do if Your Two Wheeler Insurance Claim is Rejected?

Even if your claim faces rejection, here is how to address it:

1. Request a written clarification from the insurance provider. This will clarify the reason and help you prepare the right documentation.
2. Resubmit with corrected or additional documents. Sometimes, it is just a matter of missed paperwork.
3. Approach the insurer’s internal grievance redressal cell. Every insurance provider has one, as per IRDAI guidelines.
4. Contact IRDAI or the Insurance Ombudsman. If all else fails, escalate the matter to these regulatory bodies for a resolution.

Final Checklist Before You File a Two Wheeler Insurance Claim

Use this quick run-through before you submit your claim:

1. Your policy is active and not expired
2. All your bike and rider documents are valid
3. You reported the incident within the time frame
4. No repairs have been made without the insurer’s survey
5. You have clicked photos or videos as proof of damage

Filing a successful claim does not have to be difficult. With the right steps and a little preparation, you can easily avoid the common mistakes that lead to rejections. It all comes down to awareness and attention to detail. Ride smart and stay confidently insured.