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Common Reasons Why Your Bike Claim Can Be Rejected

Updated On Mar 20, 2021

There may be some instances when you try to raise a claim for damage to your two wheeler but the claim is rejected. Read about some reasons as to why this may happen.

There are a variety of reasons why your bike claim might get rejected. It is important to be mindful of these possibilities so you are able to apprehend them and make sure that you do everything possible to prevent rejection of your claim on your bike insurance.

Common Reasons Why Your Bike Claim Can Be Rejected

Reasons Your Bike Insurance Claim Might Be Rejected

The following are some common reasons why your bike insurance claim might get rejected:

1. Lapse Of Your Policy

You can only raise a claim during your policy period. Therefore, if you raise a claim during a period when your policy has lapsed you will face rejection. It is best to avoid this by ensuring your policy is renewed on time.

Also Read: How to Renew Two Wheeler Insurance Policy Online After Expiry

2. Lack Of Coverage

It is important to ensure that your policy covers against the claim you are trying to raise. For example, if you have only a third-party policy and you are trying to raise a claim for damages to your own vehicle, it will be rejected based on the policy’s terms and conditions.

3. No Valid License

Your bike insurance company will reject your claim if you were riding without a valid license at the time of the accident or damage for which you are trying to raise a claim.

4. Riding While Inebriated

Similarly, if you are riding while drunk or under the influence of other substances, your claim will fall under the list of exclusions of your bike insurance policy and will get rejected. It is also against the law to do so.

5. Fraudulent Claim

If your insurance company finds that your claim was raised with the intent to make money and defraud the insurance company, it will be rejected and you may also face legal consequences. When a claim is raised, the insurance company conducts a thorough investigation to determine its veracity.

6. Delay In Claim

It is important that you raise your claim as early as possible, possibly immediately after the damaging incident. If there is a delay then it is likely that your claim will be rejected, as the additional time is seen as an opportunity to distort evidence, especially when it comes to claims in which an FIR (First Information Report) has to be filed with the police.


There are a host of reasons why a claim for bike insurance may be rejected. The above mentioned are some common ones. Before raising a claim, make sure to thoroughly research and ensure you are familiar with the terms of the policy. Always ride responsibly.

You May Also Like To Read:

Two Wheeler Insurance Claim Settlement Explained

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Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

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