Insurance Claim (floods) Rejected Due to Non-renewal of FC

Hi,
I own a royal enfield bullet 1981 model. The vehicle FC (Fitness Certificate) has expired last year, which I missed to notice.

Due to the floods that came to Chennai during last year, my bike got damaged and I had raised a claim for my vehicle repair.

My claim was rejected stating that FC is not available. Can anyone suggest if this is a right way to do so?

I would agree that insurer need not reimburse for a road accident claim when FC is not available. This is a natural calamity & I don't understand the role of FC for this claim...

Can i get the FC renewed now and re-submit the claim
Source of insurance-forums.net

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