Under what condition, can a claim be rejected by an insurance company?

There are definite conditions under which an insurer may reject a claim. They are as follows: 

• Expiration or Cancelation of the policy. 
• The premium cheque has been disgraced. 
• The date of the incident occurred is beyond the period of the policy. 
• During the period of the accident, the driver of the automobile didn't own a valid driver’s license. 
• During the period of the accident, the driver of the automobile had consumed drugs or alcohol.  
• The owner of the automobile had been changed without notifying the insurer within the mentioned period or 14 days. 
• The destruction was done before the policy had started. 
• The nature and damage of the accident weren’t in correlation. 
• The usage of the vehicle included other motives apart from the one mentioned in the proposal.