You can always renew without a renewal notice. However since Motor Insurance Portability is there, you can choose to change your insurer and still get the no claim bonus.
The best option for your would be to check with your garage which insurance company they are tied up with so that cashless claim can be done straight from your garage and then choose the Motor Insurance Policy likewise. You can read 3 things to keep in mind while you purchase a Car Insurance Policy also.
Tata AIG Private Car Insurance Policy and ICICI Lombard Car Insurance Policy are good policy options with great features.
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