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When Should You Not File for Two Wheeler Insurance Claims?

Published On Nov 15, 2020 2:00 PM By InsuranceDekho

There are many situations in which it could be counterproductive to file a claim with your two wheeler insurance company as it is likely to be rejected. Read all about this and find out when you should not file for a two wheeler insurance claim.

When it comes to two-wheeler insurance, every policy is different. Therefore, when you are filing a claim, it is immensely important that you consider the fine print of your policy and study it carefully before making the decision to raise a bike insurance claim with your bike insurance company. What is the reason for this? Simply, not all costs would be covered by every insurance policy. Thus, it is necessary that you acquaint yourself closely with the policy that you have purchased and be aware of its coverage, involving the various inclusions and exclusions, depending on your type of policy.

Many times policyholders raise claims which are rejected due to lack of coverage for the same, and thus it is important that you file a claim only when you are certain that the situation and cost at hand is covered by your policy. Read on to find out when you should not file a claim for your two-wheeler insurance.

When Not to File a Two Wheeler Insurance Claim?

The following are situations when you should file a claim for your two wheeler insurance, as it would likely lead to a rejection of the claim:

Incorrect Insurance Details

At the time of purchasing your insurance, if some of the details you have provided are incorrect, or if they have become outdated, it is best to avoid filing a claim. Your claim would get rejected due to a misrepresentation of the facts, and further, you could be caught up in legal consequences.

Driving Under the Influence of Alcohol or Drugs

If you have been driving under the influence of drugs or alcohol, the insurance company would not accept your claim. Further, doing so is against the law and should always be avoided.

Unlicensed Driving

If the two wheeler is being driven by somebody other than you and they do not have a license, you would be held liable for this transgression. Your insurance company would not cover the damages caused while the vehicle is being driven by somebody who does not have a valid license.

Non-Nominated Riding

If the person riding the two-wheeler has not been nominated in your insurance policy, it is unlikely that your insurance company will cover the damages caused. In such a situation, you should avoid filing a claim as it will be rejected.

Irregular Servicing

It is important that your two wheeler is serviced regularly in accordance with the instructions of the manufacturer. Otherwise, your insurance company will not accept claims of damages.

Also Read

Benefits of Zero Depreciation Cover For Bike

Difference Between Zero Depreciation And Comprehensive Bike Insurance Cover


As a policyholder, it is important to always be responsible and be careful to follow all rules and regulations. If you fail to do so, it is likely that your insurance claim will be rejected. You are now equipped with the knowledge needed of when not to file a claim with your two wheeler insurance company.

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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