Your Motor insurance claim may be rejected if your friend dives your car ?

Your Motor insurance claim may be rejected if your friend dives your car ?

If you are thinking of going on a long drive and allowing your friend to drive your vehicle, you go to think again. God forbid, but in case if an accident occurs there are chances that your motor insurance claim may get rejected.

Among the latest proposal which the general insurance industry is taking to the  IRDA to boost profitability, it is said that claims in case of accidents would be rejected, if the vehicle is driven by a person not a part of the list provided at the time of buying the policy. Moreover, there are chances that your motor insurance premium would go up depending on how many in your family use the vehicle. 

The proposal is forwarded by general insurers to IRDA in an aim to increase their profitability, because it’s been quite some time now that a number of them have been facing losses. Such a move could also help in reducing fraud in case of third party claims. But I think that enforcing such a proposal could be difficult, because authenticity of the case could remain under doubt.