Your RTO details
RTO name
Contact No.
  • City & RTO
  • Car Brand
  • Car Model
  • Car Fuel Type
  • Car Variant
  • Registration Year
Get Car Insurance starting at only 2094/year #
Compare & Save upto 85%* on Car Insurance
  • Renew policy in 2 minutes*

  • 21+ Insurers to choose

  • 1.2Cr+ Vehicles Insured

    Other models
    Other variants
    Select your variant
    View all variants
      We don’t spam
      View Prices
      Please wait..
      By clicking on “View Prices”, you agree to our Privacy Policy & Terms of Use
      Get Updates on WhatsApp
      Select Make
      Select Model
      Fuel Type
      Select variant
      Registration year
      Registration month
      Save & update
      Please wait..
      Search with another car number?

      We have found best plans for you!! Our advisor will get in touch with you soon.

      12 Common Reasons for Car Insurance Claim Rejection

      Nothing in this world is damage-proof, including your car. You may have purchased your dream car after saving for years. However, it doesn't immune it from getting damaged. That is why you must have a comprehensive car insurance policy in place. But in some cases the insurers might reject the car insurance claim request. Let's find out the reasons for claim rejections.

      Read more

      12 Common Reasons for Claim Rejection by Insurer

      When you raise a car insurance claim, the insurance company decides to either approve or reject the claim. The decision is made based on the survey report of the surveyor and documents submitted by the insured.

      Everything is merry if your claim is approved. However, your insurer can also reject your car insurance claim forcing you to bear the cost of repairing your car from your own pocket.

      If you are wondering why the insurance company will deny a claim, take a look at the common reasons for rejection of car insurance claims-

      1. If there is Delay in Claim Intimation

        Every motor insurance company has a specified time frame within which the policyholder is supposed to raise a car insurance claim.

        Some insurers require to intimate them about the loss or damage of the car within 48 hours of the incident or 7 days from the day of the accident/ event. If the claim is not raised within 7 days of the accident, then the claim can also be denied.

      2. If Fraudulent Claims Are Raised

        The relationship between the policyholder and the motor insurance company is based on mutual trust.

        The car owner trusts the insurer to provide financial security to their vehicle in the event of damage or loss. Similarly, the insurer trusts the car owner to be honest and raise a genuine claim.

        In case the insurer finds it a fraudulent claim or intentional damages to the car, there can be comprehensive or third-party claim rejection.

      3. If You Drive Your Car in a Drunken State

        Driving a car under the influence of alcohol is a legal offence under the motor laws of India. Going against the laws is never encouraged by any motor insurance company.

        If the car is damaged while the driver was driving it in a drunken state, the driver will be held responsible for the resultant accident.

        Therefore, if one is caught driving a car under the influence of alcohol or if he/she were drunk driving at the time of the accident, the insurer will reject the claim request without any second thought.

      4. If You Drive Without a Valid Driving License

        The motor laws also state that every person driving a car should have a valid driving license. No motor insurance company promotes underage driving or driving without a valid DL.

        As a result, if the owner or the driver of the car does not have a valid driving license, then the insurer can reject motor insurance claim. Also, the insurer will not cover any loss or damages sustained by the car.

      5. If You Violate Policy Terms & Conditions

        Every type of insurance comes with certain terms and conditions. Any violation of these terms and conditions can lead to the rejection of the claim by the insurer.

        For example, a personal car cannot be used for commercial purposes. If a personal car is used for commercial purpose and meet with an accident, the damages caused to the insured car will not be covered by the insurer.

      6. If the Car Insurance Policy Has Lapsed

        Every car insurance policy has an expiry date. A car owner must renew their car insurance policy before the expiry date. Once the policy is lapsed or expired, the insurer is not obligated to cover the car damages. Therefore, the renewal of the policy on time is significant, as motor insurance providers can reject the car insurance claim on this basis.

      7. If the Car Damage is Excluded in the Policy

        All car insurance plans come with some exclusions. The insurer does not provide any coverage for such situations or expenses mentioned under exclusions.

        If a claim is raised for the excluded situation, the insurer will reject it. Generally, normal wear and tear of the car are excluded under car insurance. If the claim is raised for these expenses, then the insurer has the right to deny the claim.

      8. If the Car is Modified Without Informing the Insurer

        While buying a car insurance policy, a car owner has to provide details about their car and its condition. If any changes or modification is done to the vehicle during the policy tenure, the policyholder needs to inform the insurer about the same.

        If the policyholder does not notify them about the car modifications and the insurer finds out about it during the survey of the car before claim approval. In that case, they can reject a claim for non-disclosure of information.

      9. If You Are Not the Owner of the Car You Drive

        The car owner and policyholder of car insurance must be the same person. An individual cannot raise an insurance claim for a car that they do not own.

        Even if they have purchased a second-hand car and the ownership transfer is still under process, they cannot raise a claim for the damages caused. If the claim is raised for a vehicle they do not own legally, the motor insurer can reject it.

      10. If There Has Been a Consequential Loss

        When a car part is damaged, it can lead to loss or damage of other car parts. For example, the loss sustained by the car tyres while being towed to the garage after an accident. It is known as consequential loss and this is not covered under car insurance. Hence, any claim arising out of a consequential loss will be rejected by the insurer.

      11. If Car Damages Result Out of Your Negligence

        A motor insurance company expects the car owner to take good care of their car. In case it gets damaged due to negligence, it becomes a prominent reason for claim rejection.

      12. If the Car is Repaired Without Informing the Insurer

        If a car is damaged in an accident, it is advised not to repair it unless the vehicle has been inspected by the surveyor.

        If the car is repaired before the survey without informing the insurer, the car insurance claim can get rejected.

      Final Call

      A four-wheeler insurance policy is the best way to financially protect the car against various unforeseen incidents. Keep the above-mentioned reasons in mind to avoid getting the comprehensive or third-party car insurance claims rejected by the insurance provider.

      Find similar car insurance quotes by body type

      Hatchback Sedan SUV MUV
      Save upto 85% on Car Insurance
      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
       Why buy from policybazaar
      Claim Assurance Program

      Car insurance articles

      • Recent Article
      • Popular Articles
      21 May 2024

      Get Faster Claim Settlement with Policybazaar...

      Getting your car insurance claim settled is no longer a hassle

      Read more
      17 Apr 2024

      Understand the Nitty-Gritty of Car Insurance...

      Have you recently purchased a car insurance policy for your new

      Read more
      22 Feb 2024

      IDV in Car Insurance

      In layman's terms, the IDV full form is the Insured Declared Value

      Read more
      31 Jan 2024

      Must-Have Car Insurance Addons for Brand New Cars

      Investing in a full-coverage car insurance policy is essential for

      Read more
      29 Jan 2024

      No Claim Bonus (NCB) in Car Insurance

      A no claim bonus is a reward or discount offered by car insurance

      Read more
      11 Aug 2021

      How to Check Car/Vehicle Insurance Status Online

      It doesn’t matter if you are an excellent driver or take your car out only once in a few months; your vehicle must

      Read more
      20 Jun 2019

      Getting Your Duplicate Car Insurance Policy is...

      Losing your car insurance documents can be daunting. In such a state of affairs, the first thing that comes to your

      Read more
      20 Dec 2021

      How To Find Car Insurance Details By Registration...

      Sometimes, you may face situations when you need car insurance or vehicle owner details but cannot readily access

      Read more
      03 Jun 2016

      How to Transfer Car Insurance Policy?

      An integral part of selling a car for both the buyer and the seller is ensuring a successful car insurance transfer

      Read more
      20 Jul 2017

      Comprehensive Insurance Vs Third Party Insurance

      Comprehensive car insurance offers protection to the insured car against third-party liabilities and own damages due

      Read more

      #Rs 2094/- per annum is the price for third-party motor insurance for private cars (non-commercial) of not more than 1000cc

      *Savings are based on the comparison between the highest and the lowest premium for own damage cover (excluding add-on covers) provided by different insurance companies for the same vehicle with the same IDV and same NCB. Actual time for transaction may vary subject to additional data requirements and operational processes.

      ##Claim Assurance Program: Pick-up and drop facility available in 1400+ select network garages. On-ground workshop team available in select workshops. Repair warranty on parts at the sole discretion of insurance companies. Dedicated Claims Manager. 24x7 Claim Assistance.

      View Plans
      Download the Policybazaar app
      to manage all your insurance needs.