July 8, 2015: If you are not wearing an ISI certified helmet that may be a breach of law and increase the chances of injuries in some conditions, however, getting a head injury only because your helmet didn’t match the standards will not be a reason for rejecting the claims.
As per the experts of the insurance industry, insurers cannot reject the claims since the act of wearing a non-ISI certified helmet might only be termed carelessness and not willful disclosure to harm. “As far as personal accident insurance policies are concerned, only intentional self-injury, driving under the influence of alcohol or willful exposure to harm is considered grounds for rejection of a claim. Not wearing an ISI certified helmet is ignoring a precaution, but it is not a ground for rejection of a claim,” said V Jagannathan, Chairman and Managing Director of Star Health and Allied Insurance.
When contacted, C R Mohan, VP, Bajaj Allianz General Insurance, said, “Negligence is not an excluded peril. If we use the same analogy, we shouldn’t pay a claim if a passenger is not wearing a seat-belt. But in practice, we seldom see such claims being repudiated.”