When Car Insurers Don’t Pay

If you end up in a car accident the last thing you need is that your insurance company denies your claim. Car Policy conditions are the most important basis for insurers to challenge your claim. This once more highlights the importance of actually reading and understanding your policy and its conditions. What to do when Car Insurers don’t pay?

How insurers use policy conditions to repudiate car claims

Insurers, however, have more ways to repudiate your claim. For instance, where the contract is legally void or voidable. An example would be you using a vehicle in ways that violate the law. The insurance company can then repudiate liability even if the liability or damage was normally covered by the car policy. There is more, an insurance company can also repudiate liability if the insured has tried to make a fraudulent claim or has withheld or misrepresented material facts (and these facts would have affected the premium payable or have resulted in the insurance company not providing cover). So if you want to be insured, you better make sure you stay within the law and within your policy conditions.

When can a Car insurer lose its right to repudiate a claim?

The insurance company can lose its right to repudiate a claim if it gives an indulgence (i.e. leeway) and does not insist on the precise mode of performance laid down by the contract (for example the insurance company will pay out notwithstanding that the assured not paying the excess). Another way for an insurer to lose its right to repudiate is when the insurer indicates to the insured that it will not insist on its strict legal rights.

How to get a Car insurer to pay your claim?

The conclusion is that if you want your insurer to pay claims to take your insurance seriously and carefully check whether the policy that you have, really complies with your needs and your circumstances. Be diligent and don’t give the insurance company a chance to void your claim. Don’t hesitate to ask for help if you are unsure.

Pick the right Car Insurance policy

The engine of Insurance Market provides the necessary policy wording in a neat break down format so it is easier to understand and make a decision accordingly. The comparison engine makes it easy to key in your details and circumstances it generates a comparison fit for your needs. Find and buy your next Car Insurance policy online.

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  • Get discounts the moment they are live
  • Save time due to autofill of your info
  • 24/7 access to your policies online
  • Control your spend on insurances
  • We are based in Singapore
  • All your information is safe and secure