To ensure that the chances of rejection of your claim are low, you must do the following: Ensure you have a valid driver’s license while driving the car. Drive within permissible limits and boundaries that fall well within the geographical limits of insurance policy validity. Submit an FIR in case of theft or accident. In case you have purchased a second-hand vehicle, be sure to transfer the policy under your name. Make sure your car insurance policy is valid. Renew it in case it has expired. If you have made any kind of modifications to your car, be sure to report it to the insurance company. In case of damage to non-disclosed modifications or parts, the claim application may be rejected.