Why Can a Car Insurance Policy Be Rejected?
Car Insurance Policy Rejected? Insurance companies have strict guidelines before approving coverage. Common reasons for rejection include:
| Reason for Rejection | Explanation |
| Car too old | Vehicles over 15–20 years are often seen as high risk. |
| Poor claims history | Multiple past claims can raise doubts for insurers. |
| Long lapse in coverage | A “gap in coverage” may cause rejection. |
| Incorrect information | Errors in chassis number, engine number, or personal details. |
| High-risk vehicle model | Some cars are easier to steal or expensive to repair. |
What to Do If Your Policy Is Rejected?
- Double-Check Documents
Ensure all personal and vehicle details are accurate. Even small mistakes can trigger rejection. - Compare With Other Platforms
If one company rejects, try checking through platforms like Bjak that compare multiple insurers at once. - Consider Alternative Coverage
Sometimes a Third Party policy is accepted even if Comprehensive is rejected. - Request Written Explanation
Ask the insurer for official reasons behind the rejection so you can fix issues before reapplying. - Find a More Flexible Insurer
Some insurers offer special products for older or higher-risk cars.
Tips to Avoid Rejection
- Renew early: Don’t let your policy lapse too long.
- Maintain a clean claim history: Avoid small unnecessary claims.
- Use digital platforms: Bjak helps you find the best options quickly.
- Prepare complete documents: IC, license, grant, and police report (if needed) must be accurate.
Conclusion
Being in the situation of your car insurance policy rejected would put you on the spot filled with stress & difficulty. Knowing the reasons for the rejection will help in allowing you to correct the details in order reappeal the process. Using platforms like Bjak will help you in understanding what different package offers and keep you protected without any issues.
Read More:
Third Party vs Comprehensive Car Insurance: Key Differences
5 Key Benefits of Comprehensive Car Insurance
BJAK 10.10 Deals: Renew Your Car Insurance from Only RM50 a Month & Win Big Prizes
