A Cover Note is a temporary insurance proof given to policyholder before actual policy is issued. Cover Note is valid for a period of 60 days.

Documents needed include copy of registration certificate, proof of insurance, copy of your driving license, repair bills and reimbursement, copy of FIR / Panchnanma in case of theft/ body injury.

No it is also available for renewal of policies.

Personal Accident Cover under Third Party Insurance is available up to Rs 1 Lakh, however if you feel a need for higher cover then you can do it with the help of additional Personal Accident Add-On Cover.

Yes, Add-On cover is available for Car Accessories

You can go to the website of your current car insurance company and enter details of your car to renew it. In case you have not put in any claim during the year then you are entitled to No Claim Bonus (NCB) which can give you a discount on car insurance premium. Check quotes from various companies and choose the best car insurance policy that suits your requirements.

PolicyBoss would present you quotes from different car insurance companies and give a detailed perspective on all quotes. In case you do not understand the tenets of policy then there are experts who can help you with whole process of finalizing car insurance policy.

No, it’s not compulsory that premium will get cheaper on sticking with same car insurance company, it may be that premium might have decreased because Insured Declared Value (IDV) of the car might have decreased.

Yes you are eligible to make claim as the claim has been raised for an event which occurred when the policy was in force.

Endorsement is written evidence of agreement of changes to policy terms, an additional premium is charged for it.

For the purpose of premium calculation, the place of registration of car is taken into consideration and not the place where the car is used. If car is registered in Mumbai then premium rates for Zone A applies even if car is used in Bhopal and if a car is registered in Zone B city then even if it is used in a Zone A city, Zone B rates will apply.

The documents which are needed include certificate of insurance, photocopy of registration certificate, pollution under control certificate and photocopy of driving license of the person driving the car.

Yes, if the expense comes to Rs 16,000 but the cover is Rs 10,000 then the balance Rs 6,000 has to be paid by the policyholder.

Yes, you will be able to claim No Claim Bonus (NCB) on expired policy if the policy is renewed within 90 days.

The exclusions include (not an exhaustive list)

• Normal Wear and Tear
• Loss or any kind of damage due to depreciation
• Electrical or mechanical breakdown
• Driving without a license
• Damage due to nuclear attack, war
• Driving under influence of vehicle
• Use of car for illegal activities

Following factors needs to be considered

• Check the car insurance companies claim settlement record and the time taken to settle them
• Balance between the premium that you can afford and cover that is optimally needed
• Track garages which are there in list of garages tied up with car insurance company. You can avail of cashless facilities at these centers

Yes, you need to get it endorsed in the registration certificate, then it needs to get endorsed by car insurance company as premium for insurance would change.

Companies offer 50% discount on own damage premium for handicapped people provided that the vehicle has been modified for their use.