Introduction
Many drivers have heard of when insurance claim are rejected — but few really understand why it happens. It’s not always because the insurer wants to avoid paying; sometimes, it’s just small errors made during policy purchase or the claim process. In this article, we’ll go through the most common reasons behind rejected claims and what you can do to prevent them.
1. Incorrect Information in the Policy
This is one of the main causes of failed claims. For example:
- Wrong name or IC number
- Mismatched chassis or plate number compared to JPJ records
- Outdated address in the policy
Fix: Always check your policy details and Vehicle Ownership Certificate (VOC) before submitting a claim. When you renew via BJAK, your data is usually auto-filled from JPJ to reduce manual entry errors.
2. Expired or Invalid Driving Licence
If the driver involved in the accident doesn’t have a valid licence (or it’s suspended), the insurer can legally reject the claim.
Fix: Make sure your licence is valid and not a “Learner” (L) licence when driving an insured vehicle.
3. Delay in Reporting the Accident
Some drivers assume they can report later — but you must report within 24 hours. Failing to do so gives the insurer a reason to reject your claim.
Fix: File a police report immediately and contact the insurer’s panel workshop or hotline for next steps.
4. Not Following the Proper Claim Procedure
Some owners send their cars straight to a regular workshop instead of the insurer’s panel workshop — which can invalidate the claim.
Fix: Always use a panel workshop approved by your insurance provider to ensure the claim is valid and processed quickly.
5. Expired Policy or “Gap in Cover”
If your insurance has already expired, even by one day, any claim made during that period will be rejected.
Fix: Avoid this by renewing early through BJAK, where policies are issued instantly and coverage becomes active the same day (as long as your details are in order).
6. Claim Not Covered by Policy Type
Many owners misunderstand their coverage limits. For example:
- Claiming for own car damage under a Third Party policy
- Claiming for flood damage without the Special Perils add-on
Fix: Understand your policy type and consider adding relevant add-ons during your next renewal.
Conclusion
Avoid rejected insurance claims by ensuring your information is accurate, your licence is valid, reports are filed promptly, and your policy remains active. Renew or buy through BJAK for automatic data checks, a smooth process, and instant protection — so you won’t face unnecessary headaches when making a claim.
Read More:
What Is Vehicle Insurance & Why It’s Needed
