Any insurance claim rejection (funeral or otherwise) can put you in financial straits.

A rejected funeral claim can add a lot of stress to your life. But what are the reasons for funeral claim rejections?

There is no question about it, having insurance is a benefit as life is unpredictable, but insurance is there to help you or your loved ones during unforeseen events.

These include financial cover for:

  • You and your household’s health
  • Your unexpected passing or that of your partner or child
  • Diagnosed with a terminal illness
  • Disabled after an accident
  • Car damages
  • Household theft
  • Hospitalised with a severe condition, for surgery or another reason
  • Home damage after a fire, accident or other events.

A rejected Funeral claim (or Any other Insurance claim) Can add Years to Your life

Rejected funeral claimInclude all possible events in your cover. For example, vehicle cover that includes a traffic accident might exclude damages due to a hail storm or floods.

Each policy will have their own fine print that contains the areas they insure and the areas that they do not provide cover for. You have to read and be aware of every detail in your policy, in order to prevent the rejection of any of your future claims.

In order for you to experience a smooth claim process, you should be aware of certain rules to stop it from happening to you.

The motivation Behind the rejection of Claims includes:

  • Submitting your claim statement too late. There is a time period within which you must claim. Some firms give you a 60 day period, but it can vary.
  • Abiding with your insurance company’s safety rules. Car insurers require you to have trackers, alarms and immobilising devices.
  • Know your policy’s safety measures.
  • Keep all the documents of the devices you install for future use.
  • Claims relating to the content of your home also need security systems in place.
  • If your home is not secured your policy will not pay for your losses.
  • Your claim is rejected in the event of a defective alarm.
  • You cannot claim for items that are not yours. eg. If the item belonged to a family member who has moved.
  • Your business estate is also not insured by a personal plan.
  • If you modify your house you increase the risk of that part not being insured. When you make changes to your house you alter its worth.
  • Make sure you keep your policy updated with any and all changes.
  • Altering the value increases the risk to your policy.


Keep up to date with the requirements of your policy and it will pay off.

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All info was correct at time of publishing