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Car insurance rejected because of driving licence

What usually matters in this situation, and the papers to keep ready before you meet an advocate or free legal aid (call 15100).

Your situation

• What kind of insurance? Vehicle
• What reason did they give? Driving licence / permit issue

Papers to gather

• Policy document with schedule, terms and all renewal certificates
  The wording decides most disputes. Where: Insurer portal, email.
• Claim form and acknowledgement with date
  Answers "late claim" objections. Where: Your records.
• FIR/accident report, survey report, repair estimate and invoices, photos
  Supports a motor claim. Where: Police, garage, surveyor.
• Driving licence, RC and permit valid on the accident date
  Answers licence objections. Where: Your records; Parivahan.

You may also need, depending on your answers

• Proposal form (application) — ask the insurer for a copy — Central to non-disclosure rejections.
• Rejection / settlement letter with reasons — What you must answer.
• Grievance complaint and insurer's reply — Needed for Ombudsman.
• File a written grievance with the insurer and keep the reference — First step before Ombudsman.

What the law says

Saboot will also ask

• What happened to the claim?
• Have you complained to the insurer's grievance cell in writing?

Similar situations

• Health insurance rejected my claim for a pre-existing disease
• Hospital says cashless not approved
• Insurer paid much less than my hospital bill
• Claim stuck for months with no decision
• Car stolen and insurer is delaying
• Life insurance claim rejected after a death
• Claim rejected because I told them late
• Insurer says the treatment is not “reasonable and customary”

Sources

• Bima Bharosa — IRDAI complaint portal
• IRDAI — insurance regulator
• Consumer Protection Act, 2019

The full guide: Insurance claim rejected, delayed or underpaid · All situations