Accidents do happen, that is the basic reason people buy motor insurance policies, so that they can be compensated when the unexpected happens. However, there are certain terms and conditions that you are required to adhere to in the duration of the cover. If those rules are violated, then your insurer will not be obligated to pay your claim. Here are some of the common reasons why your insurer may reject to pay your claim:
Vehicle inspection is not carried out
It is a common requirement that insurers need to have your car inspected, upon securing a motor policy. This ensures that there will not be any disputes about the pre existing condition of your car, should you experience an accident during the cover period. This inspection is catered for by your insurer, so always ensure to have it done immediately after you buy a cover.
This may come as a surprise to many people, but should you experience an accident while under the influence of alcohol, then your insurer will have no choice than to reject your claim.
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Vehicle Used for Unstated Purpose
If you plan to use your car for or in connection to a business, then you need to declare that at inception. It is not uncommon for someone to be running a business using their car, such as a taxi, freight, deliveries, among others. However, insurers have special terms and premiums for such cases and if you fail to declare it, they may simply choose to reject your claim.
An insurance policy is guided by wide number perils, which are stipulated at inception. However, there are special perils that which may deny a claim if they occur. This include, war, nuclear energy explosion, earthquakes, volcanic eruptions, political violence and acts of terrorism. However, you can take up special extensions, which will ensure that you are insured against some of these perils.
You should always ensure to keep your driver’s license up to date. You are also allowed to authorize another person to drive your car. However, that person is required to have a valid driver’ license. If not, then insurer will not pay your claim in the event of an accident.
When it comes to motor claims, the best cure is always prevention. However, should the unexpected happen, you can depend on us to process your claim in a simplified and expedient manner. Our claims team provides hand-on support, and will take you through it every step of the way.