Claim Rejections
Driving Your Private Car for Uber, Ola or Deliveries? It Can Void Your Insurance
Using a private car for ride-hailing or paid delivery can void your claim under the Limitations as to Use clause…
Claim Rejections
Why motor claims get delayed, reduced or rejected — and what you can do about it. Understand discharge vouchers, surveyor reductions, FIR requirements, and your options when a claim is turned down.
Start with the complete guide
Car Insurance Claim Rejected? The Reasons, and What to Do Next
A rejected motor claim is rarely the end. The common reasons a car insurance claim is rejected, how to tell whether yours is likely to stand, and the…
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Claim Rejections
Modified Your Car? What Undeclared Modifications Do to Your Insurance Claim
Which car modifications you must declare, which are illegal (bull bars, structural changes), and exactly what an undeclared modification does…
Claim Rejections
Car Insurance Lapsed? What Happens to Your Claim — and the Grace-Period Myth
Motor insurance has no grace period. What a lapsed policy really means for your claim, why driving uninsured is an…
Claim Rejections
Can Your Claim Be Rejected for Drunk Driving or No Valid Licence? (India)
Drunk driving and driving without a valid licence are own-damage exclusions — but rejection is not automatic, and a third-party…
Claim Rejections
Claim Rejected for Misrepresentation? Material Non-Disclosure at Proposal
A claim rejected for misrepresentation turns on one word: material. An innocent slip shouldn't cost you a genuine claim, but…
Claim Rejections
CNG/LPG Kit Not Declared? Why Your Claim Was Rejected — and When It Shouldn’t Be
An undeclared CNG/LPG kit is a real breach, but it doesn't automatically kill your claim. The decisive question is whether…
Claim Rejections
Flood Claim Rejected? Consequential Loss vs Accidental Damage (India)
Comprehensive insurance covers flooding — so why are flood claims rejected? A claims professional explains the invisible line between accidental…
Claim Rejections
Claim Rejected for Late Intimation? Why the Delay Alone Rarely Wins (India)
Delay in intimation, on its own, is rarely a lawful reason to reject a genuine motor claim. A claims professional…
Claim Rejections
Engine Seizure Claim Rejected? Hydrostatic Lock and Why Insurers Say No
Most engine seizure claims are not rejected because of the flood — they are rejected because of what the owner…
Claim Rejections
Can a Motor Insurance Claim Be Rejected Without a Driver’s Statement?
A motor claim is not automatically rejected for a missing driver’s statement — it is the cooperation clause, and a…
Claim Rejections
Surveyor Reduced My Claim Amount: Can You Dispute It (and How)?
A surveyor’s report is not final or binding — you can dispute a reduced motor claim on valid grounds. Which…
Claim Rejections
Insurance Discharge Voucher: Should You Sign It (and Your Rights If You Did)?
A discharge voucher is a full-and-final settlement — signing closes the claim. But the IRDAI bars insurers from withholding an…
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