Ask an Expert - Your Personal Insurance Advisor

Dear Sanjay,

It totally depends on the policy that you have. The policy wordings would be mentioned on your policy document which mentions all of your questions. however, if you want us to specifically mention the same, you would have to provide us the name of the plan along with the insurance... Read More>>

Dear Vijay,

You need to check with your insurance company regarding the same. But when you have a policy cover note, that is valid till the original policy document is received. 

However, if you want to know the status of your policy, you need to contact them directly. In our website, My Insurance... Read More>>

Of course not. As long as you have a valid insurance policy which has not expired, then it is just alright. Usually the policy expires at 12 midnight but starts before thag. Hence you are covered anyways. So, no worries.

Dear Amit,

Points you need to consider would typically be:

1. Garages for repair

2. Cashless Facility

3. Additional features

4. Glass and Fibre replacement

The comparison service for two wheelers is currently not available on the website. But you can directly purchase / renew your policy from the website... Read More>>

You can always check with other companies about insurance amount and also find out why they are charging such a high amount., You could check with them regarding the last policy payment and no claim bonus history.

Hi,

Zero Depreciation Cover means that if your car is usually taken for 10% depreciation every year, that would not be considered by the insurance company if you have this rider. Also, say you have a policy worth Rs 5 lacs and yyou have filed a claim 8 months after the policy was issued. Then the... Read More>>

Dear Daisy,



Your Car Insurance Policy can refuse your policy post inspection if there has been a dent on the same if the policy is not continuous. They would claim that your car has got the dent in the period when it was not insured. Hence you need to repair the dent before your car is insurable... Read More>>

Dear Ram,



You can take a Car Insurance Plan afresh just stating that your previous policy has expired. The only difference will be that there would be an inspection from the company before issuing the plan as the previous plan has lapsed. There would not be any other difference.



To find plans and... Read More>>

According to the features of the Car Insurance Policy of ICICI Lombard, it says "Avail Zero Depreciation Cover which offers full claim coverage on the value of parts replaced, without any deduction for depreciation".

Thus, even your policy from ICICI Lombard should have the same features but you need... Read More>>

Before choosing your car policy, please read the terms and conditions and the coverage that they are providing along with the IDV of the vehicle. Because, in case of a claim, the IDV is the most important factor. Also, do not choose the cheapest plan because it is cheap only, please consider the... Read More>>