My Dad passed away in an accident while driving his scooter to his office. This happened in last 'Nov 08'. After we came out of that uneventful & sad event we decided to put claims related to all his insurance's.

One of the insurance is for the scooter he is driving. It is with Oriental Insurance. We submit the claim to them and after taking 1-2 months they came up with us to tell that the claim can not be honored because the RC of the scooter has expired.

The scooter is a very old 1987 model and they told to us that the RC only lasts for 15 years and that it could have been expired in 2002 if it has not been renewed.

We didn't have any information on that because my dad used to handle all this stuff. BUT i asked them a question, Why your company has done the insurance if the RC is expired? and if it did .. then why it is not honoring that claim?

To this they didn't have any specific answer at that time and they said that we will further do our investigation and let you know.

After around 8 months we received their reply which is that the RC got renewed in 'June 03' for 5 years and it got expired in 'June 08' unless we renewed it. And they also states that if you renewed the RC please revert back within 7 days with the xerox of it otherwise the claim will not be given.

To my shock the June month is the period when the scooter insurance has been done each year.

I couldn't digest the fact.. I thought they are covering up my question to them that why they've done the insurance on an expired RC if they're not honoring that. because they can easily say that.. we've done the insurance in 'june 08' when the RC is still valid.. after that you didn't renew it .. so it is your fault and we're not giving you the claim.

I also enquired the same from the RC office and they also said that the RC is never renewed.

What is the outcome of all this?

Is it a law that the claim was not given on an expired RC?
If the RC was expired, Is it still possible for the company to do the insurance, and if it does.. isn't the company liable to honor that?

I'm really pissed off with their reply and not sure on how to proceed on this?

Any help will be appreciated.