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Can The Engine Capacity Of A Bike Be The Reason Behind Accident Claim Denial?

Updated On Sep 23, 2023

Can Engine Capacity of Bike Cause Accident Claim Denial?

The motorbike is a quick and easy way to go around in the busy streets of India. It is a symbol of individual independence. Accidents are sadly a possibility when riders dart across traffic. Having a solid insurance policy becomes essential in these situations. Still, is there any way that your bike's engine size could affect how an accident claim turns out? Let's dissect this intricate question in greater depth.

Handling the intricacies of insurance claim procedures can frequently resemble navigating a maze-like web of rules and tiny print. One interesting component of the many considerations that could affect the outcome of an accident claim is the bike's engine capacity. Might that possibly be the cause of an accident claim being denied? In order to give the astute Indian motorcycle owner clarity and understanding, this blog aims to go further into the subject.

An Overview of Indian Motorcycle Insurance

The Mandatory Law

It is legally required in India to obtain motorbike insurance that covers at least third-party liability. In the event of an accident, this coverage protects the policyholder against monetary obligations to a third party.

All-Inclusive Protection

Many choose a comprehensive policy that covers damages to both the owner's bike and the third party, providing a greater shield of protection, in addition to the legally required third-party liability insurance.

The Process of Making Claims

Following an accident, filing a claim entails a number of procedures, such as informing the insurance company and the police about the incident, completing the required paperwork, and participating in the investigation and assessment stage.

Can The Engine Capacity Of A Bike Be The Reason Behind Accident Claim Denial?

Insurance Policies and the Function of Engine Capacity

Premium Estimate

The cubic centimetre (cc) engine capacity is a major factor in deciding how much your motorbike insurance coverage will cost. Higher engine capacity motorcycles usually command a premium because of the higher risk attached to their performance and speed.

Terms and Conditions of the Policy

Policies for insurance frequently have provisions outlining the circumstances under which a claim can be accepted or rejected. It's critical to comprehend whether and how your bike's engine capacity could be mentioned in these terms.

Examining the Relationship Between Engine Capacity and Refusal of Accident Claims

The Risk Elements

Higher engine capacity bikes frequently have better performance and speed characteristics. Given the increased likelihood of serious injuries and property damage, this may be seen as a greater risk factor in the event of an accident.

Potentially False Statements

Sometimes people would understate the engine capacity of their motorcycles while buying insurance in order to get a cheaper price. If these disparities are found during the claim evaluation, they may in fact constitute a basis for claim denial.

Adjustments and Changes

Any changes made to the bike's engine to increase its capacity without notifying the insurance company may also result in the denial of a claim since they violate the conditions of the policy.

Effectively Handling the Claims Process

Honesty and Transparency

To prevent claim denial, it is essential to guarantee total openness and truthfulness regarding your bike's characteristics, including engine capacity, at the time of policy purchase.

Accumulating Proof

If there is an accident, carefully recording the information can support your claim and dispel any suspicions that the engine capacity played a role in the collision.

Legal Support

Getting legal counsel can be a wise decision, particularly in complicated situations when the claim is rejected for bike engine capacity-related reasons.


Being informed about the different aspects of motorbike insurance, such as how your bike's engine capacity may affect the claims procedure, can help you avoid obstacles as a responsible rider.

Adopting good riding habits promotes a positive connection with your insurance company by helping to keep your record free of claims and ensuring your safety.

When we examine the complex relationship between motorbike insurance and engine capacity, it is clear that having knowledge of the policy and following its conditions can help ensure a smooth claims procedure. Let us drive with wisdom and insight, accepting a voyage on which honesty and safety go hand in hand.


  1. Does a bike's engine size affect the cost of insurance?

Yes, the engine capacity—which is expressed in cubic centimetres (cc)—does affect the cost of insurance. Since bikes with larger engines are thought to carry a greater risk when it comes to performance and speed, they usually command a higher price.

  1. Could lying about my bike's engine capacity result in the denial of my claim?

Answer: It is possible for a claim to be denied if you lied about your bike's engine capacity when you bought the insurance coverage. It is against the policy and is regarded as fraudulent activity.

  1. Can I file an appeal if my claim is denied because of misstatements about my engine's capacity?

Answer: A claim denial may be appealed, yes. Nevertheless, success might hinge on presenting strong proof that the disparity was accidental or that the engine capacity had no role in the mishap.

  1. How can I make sure that the procedure of filing a claim for my bike's engine capacity goes smoothly?

Answer: When acquiring the insurance coverage, always be truthful and exact about the engine capacity of your bike. This will help to ensure a seamless claim procedure. Be open and honest with your insurance provider to prevent any issues when filing a claim.

  1. Do insurance companies check the bike's engine output when a claim is made or a policy is issued?

In most cases, the information that the policyholder provides at the time of policy issuance is what insurance firms rely on. On the other hand, disparities in engine capacity might be found during an inspection to evaluate the damage that takes place during the claim procedure.

6: Does lying about my bike's engine capacity have any legal repercussions?

Incorrectly stating an engine's capacity can be seen as fraud, and in extreme circumstances, it may result in fines or even criminal charges.

7: How can I confirm my bike's engine capacity before getting insurance for it?

Your bike's engine capacity is often listed in the owner's manual or on the registration certificate that the transportation agency issues. Before getting your bike insured, always check the engine capacity with certified documentation.

8: If I find a discrepancy, can I modify the engine capacity data on my policy?

Answer: In order to correct the problem, you should get in touch with your insurance company right away if you notice a mismatch in the engine capacity information on your policy. This will assist in preventing any issues when submitting a claim.


This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.
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