What are the common reasons for the repudiation of claims under motor insurance policies?

Some of the Common reasons for the repudiation of motor accident claims include the following:- When losses or claims are caused by unlicensed driver. When the vehicle is unroadworthy vehicle-e.g. wipers not working, smooth tyres. Reckless or negligent driving-e.g. "Failure to take care" clause which refers to recklessness, which is not to be confused with negligence, and "Breach of road traffic regulations" clause, exceeding the speed limit at the time of an accident. Drunk driving by the drivers. Driver not the "regular driver"- some policies cover the regular driver only, or a named driver or any licenses driver. Total-loss policy-which applies only when the insurer deems the vehicle to be a total write-off. Tracker device not fitted, if it is mandatory. Vehicle inspection not carried out, as per the rules, is insurers insist on inspecting the vehicle at inception of the policy. This is so that there can be no disputes about pre-existing damage to the vehicle. If the policyholder neglects to comply, there will be breach of contract and the claim may be rejected. Material non-disclosure at underwriting stage, with regards to claims record, a break in insurance cover, prior applications for cover being rejected, and judgments on credit record are all material to the assessment of risk, and it is imperative that the policyholders should disclose such information. For example, people with a bad credit record have a higher propensity to file fraudulent claims than people with a clean credit record. Vehicle used for business, should be disclosed to the insurer. Vehicle not parked securely at night-if the policyholder claims that car is parked securely-in a garage or off the street-at night, and, in the event of theft, it is found it was regularly in the street, claim could be rejected. Security device not fitted, if that is mandatory that a vehicle should be fitted with an alarm or a gear lock and if it is not complied the claim can be rejected.