FAQs

In this case there are two options.
  • The buyer can get the policy transferred in his name by applying to the insurance company in which case an endorsement is made to the policy. However, the no claim bonus(NCB) on the policy is not transferred and the difference has to be paid. NCB is retained by the seller.
  • You can cancel your policy and the buyer can buy a new policy. You will get a refund for the unexpired / unused period provided there is no claim on the policy. In this case too, you can retain your NCB and transfer it to your new insurance policy if you have purchased another vehicle. The buyer can transfer NCB in his previous policy to his new one. Please note that your policy will be cancelled only if the insurance company is provided with the proof that the vehicle is covered by another policy.
Also you can transfer the policy to your new vehicle and the unexpired premium amount can be adjusted accordingly.
For any change or correction in registration address/ Vehicle Information you need to submit RC copy along with a request letter.
  • For Addition of Hypothecation: Letter from the bank / Endorsed RC copy has to be submitted.
  • In case of Deletion of Hypothecation: NOC / Endorsed RC copy has to be submitted to the branch or scan the documents and email same to insurance company.
For Transfer of Insurance from one owner to another you need to submit the below mentioned documents.

Transfer of Policy (Sale of Vehicle)
  • New RC copy /form 29-30
  • Old policy document
  • NOC from the previous insured
  • Rs. 50/- transfer fee
  • New application form. (New application form are provided at the branch)
  • Inspection of vehicle
NCB difference amount
If you are buying a new car and want to transfer your existing policy over, you would need to contact us at our customer services department and amend your current policy. There may be a variation in price and a change in underwriting criteria for the new car. Sale letter of your old car and third party insurance cover for old car may be required.
They are same.This is the term used to describe the discount insurance companies give policyholder when they have not made any claim.This is usually expressed in %.
The percentage of NCB earned on a vehicle owned by an institution during the period when it was alloted to and exclusively operated by an employee should be passed on to the employee if the ownership of the vehicle is transferred in the name of the employee.

This will however require submission of a suitable letter from employer confirming that prior to transfer of ownership of the vehicle to the employee,it was alloted to and exclusively operated by the employee during the period in which the NCB was earned.
An insured may be granted NCB on a new policy taken out in india as per entitlement earned abroad,provided the policy is taken out in india within three years of expiry of the overseas insurance policy,subject to relevant provisions of NCB under these rules.
Voluntary deductible is the minimum amount that you declare to bear at the time of claim. When you opt for a higher deductible, you are eligible for a higher discount. There is an inverse relationship between the deductible and the premium. When voluntary deductible increases, the amount of premium falls.

If you opt this, this is the amount that you have to compulsorily bear during the event of a claim e.g. if your claim amount is Rs. 20000 and the voluntary deductible is Rs. 3000 then you have to bear the first Rs 3000 and the claim will be worth Rs 17000.
IDV is Insured's Declared Value and is estimated on the basis of the manufacturer's listed selling price of the model and Variant of the vehicle (and additional accessories) at the commencement of the car insurance policy after adjusting for depreciation for every year.

If the car is stolen or totally damaged and beyond repairs in an accident, the claim amount payable is determined on the basis of the IDV. Hence it's very important Car is insured for correct IDV.

IDV = Ex-Showroom price plus sales tax minus depreciation, registration, and insurance.

Most of the insurance companies allows deviation of (+/-) 10% of estimated IDV Value. Higher the IDV value chosen higher will be the premium.
An additional CNG/LPG kit fitted in a vehicle needs to be insured separately. It needs to be declared at the time of proposal.
Third party policy covers the following risks:
  • Death or injury to a third party.
  • Damage to third party property.
  • Liability in the case of death or injury is unlimited.
Comprehensive insurance policy covers your vehicle against following risks:
  • Natural calamities.
  • Man-made calamities.
  • Personal accident.
  • Third party legal liability.
  • Any permanent injury /death of a person.
  • Any damage caused to property.
You can still renew your policy after your vehicle inspection is complete. Insurance companies may apply additional loading on premium if policy has expired 45 days earlier.
Copy of Previous Policy

Registration Certificate (RC book)
Yes, You can renew your car insurance with any other insurer, including the No Claim Bonus (NCB) accrued with your earlier insurer.
If no claim is made during the policy period, No Claim Bonus (NCB) on OD premium is offered on renewals by insurance Companies. This reduces your premium to a great extent.

However, it should be noted that NCB would be allowed provided the policy is renewed within 90 days of the expiry date of the previous policy.
You are still eligible for NCB if you renew your policy with in 90 days of expiry of previous policy. After 90 days you will loose your NCB.
Cashless facility means settlement of claims on cashless basis where the insured has to pay only deprecation amount of the total amount of claim passed / sanctioned by the surveyor/ Authorized person of the insurance company.
If you know the toll free number of the Insurance Company intimate the occurrence of the accident to the insurance company and act on the advice of the company.

If you don't know the contact no. of insurance Company confirm It the insurance company is having any office at the place where accident took place. If there is local office of the company intimate the claim to the company.

If somehow you are unable to contact the insurance company or it the accident took place in odd hours / holiday arrange the photographs of vehicle on the spot of accident.

If the loss is major (say more than INR 50,000/-) and there is third party damage / loss / Injury / death etc., lodge FIR / Police report immediately.
The document you are required to submit us as proof of your no claims discount is a renewal notice from your previous insurer. If this does not state your no claims discount (NCD) entitlement or is not available to you simply call your previous insurer and request confirmation of your NCD that you can then forward on to us or alternatively provide us previous policy copy and declaration that you have entitlement for claimed no claims discount. If you are not eligible for no claim bonus and wrongly claim this on your policy then the contract of insurance is void ab-initio and insurance company reserves the right to reject your claim.
According to Motor Vehicle Act, it is mandatory that every motor vehicle plying on the road should be insured with 'liability only cover,. It ensures that any damage done by your vehicle to another person's property will be covered in a claim. By buying motor insurance, you can protect your vehicle from natural disasters or theft. When an insurance policy is giving you ample benefits and coverage, we don’t find any reason of not buying it.
The document you are required to submit us as proof of your no claims discount is a renewal notice from your previous insurer. If this does not state your no claims discount (NCD) entitlement or is not available to you simply call your previous insurer and request confirmation of your NCD that you can then forward on to us or alternatively provide us previous policy copy and declaration that you have entitlement for claimed no claims discount. If you are not eligible for no claim bonus and wrongly claim this on your policy then the contract of insurance is void ab-initio and insurance company reserves the right to reject your claim.
A cover note is a temporary insurance proof which is issued to a policyholder before the issuance of actual insurance document. A cover note is valid for 60 days from the date of its issuance and is replaced by an original insurance document.
For buying a policy online no documentation is required whatsoever. However, it is advisable to keep the previous insurance policy and RC handy at the time of buying the policy so that all information can be updated correctly in the policy form.
Motor insurance policy doesn't offer coverage in following situations-

  • Normal wear and tear.
  • Loss or damage caused to the vehicle due to depreciation.
  • Electrical and mechanical breakdown of a vehicle.
  • Any accident outside the geographical location.
  • Driving without a license.
  • If a person is driving under the intoxication of drug/drugs. Vehicle not being used for purpose mentioned in the document.

  • Damage caused due to nuclear fission, war invasion.
A compulsory excess is an amount that your insurance company has decided that you will pay at the time of claim settlement. The amount varies on the basis of cubic capacity of the vehicle. For sub 1500 cc vehicles, it is Rs 1000, for vehicles above 1500CC it is Rs 2000.
No, Insurance Act 1938 does not allow you to pay premium for the auto insurance in installments. If you buy online, you can use credit card to make the entire payment and then payback it to the credit card company in installments.
For any change in registration address or vehicle information, you need to submit RC copy along with a request letter. Any change will be done by an endorsement by the insurance company. For some endorsements, a policyholder may need to pay additional premium.
You may need to submit duly filled claim form along with following documents-

  • A copy of the vehicle ' s registration number
  • A copy of the driving license of the person driving the vehicle at the time of an accident along with the copy of the driving license of the person in whose name the RC and insurance is.
  • Estimate repair cost
  • A copy of FIR incase of theft or third party personal injury, death or property damage

  • If the insurance company 's share is more than 75% of IDV, it is called total loss. You may need to submit additional documents to initiate claim proceedings at the time of total loss-

  • RTO transfer paper.
  • Original RC copy
  • Vehicle 's original keys
  • No objection certificate from insured for the transfer of a vehicle
  • Letter of indemnity on judicial stamp paper.
Total loss means accidental damage to a vehicle where insurance company 's share is more than 75% of the IDV.
Voluntary deductible is the minimum amount that you agree to pay at the time of claim. For instance, if your total claim amount is Rs 10,000 and you agree to pay Rs 5000 of your claim in addition to compulsory deductible, then it is called voluntary deductible.
Hypothecation is used for creating charges against the security of movable assets. The possession of goods remains with borrower. For instance, in car loan, vehicle remains with the borrower but the ownership is hypothecated to the bank. It means bank has a right to sell the vehicle if there is any default in repaying car loan.

To add hypothecation in motor insurance policy: Letter from the bank or financer/endorsed RC copy has to be submitted at the office of insurance company.
To delete hypothecation in motor insurance policy: No objection certificate (NOC)/endorsed RC copy has to be submitted at the office of insurance company.
In case of a hypothecated vehicle, it is important to obtain NOC from the financer if the payment has to be obtained by the insured. Otherwise claim amount will be paid to the financer for losses other than theft.
Yes, it will be applicable in India. However, the policy must be issued by a reputed foreign insurance company and a proof of the same is required to submit with the new insurance company.
Your comprehensive insurance policy covers-

  • Liability to third party.
  • Accident by external means.
  • Fire ,explosion ,self ignition, lighting
  • Earthquake,flood , storm , landslide Transit by rail ,road , waterways , air or lift Burglary , theft or housebreaking
You will be entitled to get NCB on expired policy if you will renew it within 90 days of the expiration.
Cashless facility means you don 't need to pay anything for repair work and your insurance company will directly pay it to the garage. If you have signed up for the cashless facility, all you have to do is take your vehicle to the preferred workshop of the insurance company. The workshop will contact the insurer and settle the claim.
You should immediately inform the insurance company. If you don 't know the contact number then you should search for the local office of the company. If there is a local office then intimate the claim to the company. If somehow you are unable to contact the company or trace its local office, you should click pictures of the accident spot and vehicle. If the loss is major and involves third party damage, lodge FIR immediately.
Break in renewal policy is one of the simplest options available in the market to renew your lapsed policy. It means you can renew your expired policy without any inspection and documentation. It is not only hassle free but also a great money saver technique.
Although law mandates insurance policy for 3rd party only but it is strongly advised to buy a comprehensive insurance policy that protects your vehicle from man-made or natural calamities. With comprehensive cover, you can claim from your insurer for accidents or damages caused to your vehicle. In the absence of comprehensive cover, you need to foot the entire bill on your own.

Thus,with comprehensive insurance policy on your side, you get complete peace of mind that whatever happens to your vehicle on the road, your insurance company will share your financial losses.
Companies give 50% discount on the own damage premium for handicapped people, provided the vehicle has been modified for their use.
Legally,anyone driving a vehicle should hold a valid driving license for that category. As the owner, it’s your responsibility to ensure that those with a valid driving license are driving your vehicle. Also ensure that no one (including you) drives the vehicle under the influence of alcohol or drugs. If the driver is intoxicated at the time of an accident then insurance company is not liable to compensate the policyholder.
An endorsement is a written proof of an agreed change to a policy wording. If a customer wants to make any changes to the policy, he needs to approach the insurance company to make it effective. This is done by an endorsement.

Insurance company may also issue an endorsement at the time of policy issuance to provide additional coverage or to impose restrictions. An endorsement may also be issued subsequently to record changes like change in name,address, etc.
Yes, your place of residence affects premium rates. The Indian Motor Tariff Act has categorized cities into different zones and each zone has different premium rates. Below is the zone-wise categorization for vehicles:

  • Zone A= Delhi, Mumbai, Bangalore, Chennai, Hyderabad, Kolkata and Pune
    Zone B= Rest of the country.

  • If your residence falls in Zone A then you need to shell out more bucks to buy insurance
The costs that you have to bear are salvage value, depreciation cost, compulsory deductibles and cost of consumables. Let's know more about these costs-

  • Salvage value= It is the estimated residual value of an asset at the end of its useful life.
  • Depreciation cost= It is a loss in value of an item over the period of time.
  • Compulsory deductibles= It is the amount which a policyholder needs to pay upfront at the time of claim. The remaining expenses will be borne by the insurer.
No, a claim needs to be lodged immediately with the insurance company and will not be payable if it is delayed beyond a reasonable time period.
These parts fall under the category of normal wear and tear and therefore, most of the companies do not cover them. However, when these get damaged due to accident, insurers like Bajaj Allianz offer maximum cover of 50% only.
Engine protector lets policyholders claim for any damage caused to the engine including oil leakage, water ingression, damage to the gear box due to an accident, etc. This cover is highly useful during rainy season. If the car is submerged in water then it could damage the engine. On starting the engine repeatedly, it may cause more damage to the vehicle. At this time engine protector comes handy as it offers coverage engine due to any such losses.
Yes, engine protector will be there but there will be depreciation as per normal plan rate.
We offer complete package to our customers. So it is not possible to remove any of the benefits that are mentioned in the plan. It makes us a trusted insurance aggregator because we give what company gives from its end.
It depends upon the extent of the damage. Mostly it is repairable. However, if it is not repairable then it will be replaced. If expenses are more than 75% of the IDV, then it will be considered as a total loss.
Although Honda Assure is covering some plastic parts but it is charging hefty amount from customers. Moreover,there are many stringent conditions Honda Assure levy on a policyholder. So it is not a great benefit which Honda Assure is offering
Although metal and fibers are 100% covered in first six months, but the most vulnerable part in the car is front and rear bumper which is made of plastic. Also, denting and painting are 100% covered. So, we recommend that you take a zero dep plan.
Bajaj Allianz offers free taxi travel to single destination within a vicinity of 50kms from the spot of immobilization. For any travel beyond 50kms, you need to pay from your pocket as specified by the company.
Accommodation benefits would be offered, subject to the day limit of Rs 2000 per occupant and maximum total limit of Rs 16,000 for all occupants of the insured vehicle.
Return to invoice policy covers the gap between the insured value of the vehicle and its invoice value i.e, value of the car when it was bought. For instance, if the market value of a vehicle is Rs 5 lakh and the new vehicle of the same is Rs 6 lakh, return to invoice policy cover would arrange for the difference. This cover is important when your vehicle (those up to 3 years old) suffers major damage and is declared a total loss.
Your friend bought this cover from Iassure under an offer which was valid only for a limited period. There are other best insurance deals which are available at Iassure. Find a best insurance deal at motor insurance
Yes Bharti Axa provides consumable coverage with zero depreciation policy. It is not offered to a car that is more than 5 years old. To avail it, you need to email documents like RC and current policy.
Roadside assistance of HDFC Ergo includes-

  • Onsite minor repairs of the insured vehicle.
  • Tyre change.
  • Duplicate keys
  • Lost keys
  • Battery jump start
  • Fuel delivery
  • Towing and removal of the insured vehicle
If bi-fuel is company fitted, it will be 7.5% on own coverage but if bi-fuel is externally fitted, it will be 6% of kit value.
Glass parts are covered 100%, while rubber, plastics tyres, tubes, batteries, painting and denting are given 50%. Other parts of car depend upon the age of the vehicle.
Yes, Iffco Tokio provides hard copy of insurance. It is provided to the customer within 15 working days.
Motor insurance policies offered by Insurers:

  • Comprehensive Plan
  • Motor Third Party
  • Comprehensive Plan + Zero Depreciation Plan (Depreciation waiver)

  • Comprehensive Plan + Zero Depreciation Plan +NCB protector + Emergency Cover+ Consumables+ Tyre Cover + Engine Protector+ Return to Invoice + Loss of Key+ Passenger Assist cover + Hospital Cash Cover + Hydrostatic Lock Cover
Insurer protects NCB up to 1 claim. You will get next slab of NCB on renewal from Insurer after the second claim NCB will go down to zero.
Insurer offers NCB protection up to 1 claim in policy year irrespective of parts to be repaired or replaced.
Most of the insurer will survey your vehicle to process claim within 4 hours after intimation.
Yes, Insurance companies covers denting and painting. It will be covered 50% in comprehensive plan.
Up to 2 claims, a customer will get 100% cover in depreciation waiver plan. After that, policy will be converted into comprehensive plan.
All insurance companies provide towing charges but incase if towing vehicle is not available with the company, you can go for reimbursement up to Rs 1500.
No it will not be covered. It will fall under the category of 'lock and key replacement service' only when it's a case of lock & key being lost and stolen.
If there is a loss of your personal items, you can go for claim under 'loss of personal belongings' coverage.

Below table will help you in understanding what comes under the purview of this coverage-

Inclusions Exclusions
Clothes Cash/cheques/drafts/credit/debit cards
Audio/video tapes Jewellery
CDs Paintings
Other articles of personal nature Valuables
A motor insurance is purchased for cars, trucks, motorcycles and commercial road vehicles. It is an agreement between the insurer and insured, wherein insurer agrees to give financial coverage to the vehicle and the insured in return agrees to pay premium annually.

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A cover note is a temporary insurance proof which is issued to a policyholder before the issuance of actual insurance document. A cover note is valid for 60 days from the date of its issuance and is replaced by an original insurance document.
For buying a policy online no documentation is required whatsoever. However, it is advisable to keep the previous insurance policy and RC handy at the time of buying the policy so that all information can be updated correctly in the policy form.
A compulsory excess is an amount that your insurance company has decided that you will pay at the time of claim settlement. The amount varies on the basis of cubic capacity of the vehicle. For sub 1500 cc vehicles, it is Rs 1000, for vehicles above 1500CC it is Rs 2000.
No, Insurance Act 1938 does not allow you to pay premium for the auto insurance in installments. If you buy online, you can use credit card to make the entire payment and then payback it to the credit card company in installments
Total loss means accidental damage to a vehicle where insurance company’s share is more than 75% of the IDV.
Voluntary deductible is the minimum amount that you agree to pay at the time of claim. For instance, if your total claim amount is Rs 10,000 and you agree to pay Rs 5000 of your claim in addition to compulsory deductible, then it is called voluntary deductible.
Yes, it will be applicable in India. However, the policy must be issued by a reputed foreign insurance company and a proof of the same is required to submit with the new insurance company.
You are required to submit a renewal notice from your previous insurer. If this doesn’t state your (NCB) entitlement or if it is not given to you by the company then call your insurer and request confirmation of your (NCB). Alternatively, you can submit your previous insurance papers and declaration that you are entitled to receive (NCB). However, if you are not eligible for NCB and wrongly claimed for it then the insurance contract is void ab initio and the insurance company reserves all rights to reject your claim.
Below are some common types of endorsements issued by an insurance company along with documents required for them.

Endorsement Situations Covered Additional Premium Requisite documents
Copy of Registration Certificate (RC), Form 29 & 30 along with seller's request letter for ownership transfer
Premium bearing endorsement Transfer of ownership Yes Duly filled proposal form and signed by new owner along with the original policy copy
Request letter signed by new owner for changing ownership
Addition of electrical & non electrical items Yes Copy of RC
Invoice copy of all accessories
Request letter for the addition of accessories
Copy of RC
Addition of LPG/CNG kit Yes Yes Invoice copy of kit
Request letter for the addition of kit
Change of RTO location If applicable Request letter for changing RTO location
Copy of RC
Non-premium bearing endorsement Correction in chassis/engine/registration number No Copy of RC
Accommodation benefits would be offered, subject to the day limit of Rs 2000 per occupant and maximum total limit of Rs 16,000 for all occupants of the insured vehicle.
Yes, NCB can be transferred from one insurance company to the other company.
No, Silver Plan can't be issued to those customers who had comprehensive plan. To become eligible for Silver Plan, a customer should have zero depreciation policy in previous year.
No,HDFC Ergo doesn't provide NCB protection cover.
No,HDFC Ergo provides only soft copies of a policy.
Yes,HDFC Ergo offers roadside assistance services. The territorial scope of these services will be within 50kms radius from the place of breakdown to nearest vendor or cities in Republic of India, except in case of Jammu & Kashmir, Assam, Andaman & Nicobar Islands, Manipur, Lakshadweep, Tripura, Arunachal Pradesh, Meghalaya, Mizoram and Nagaland.
INSURER will survey your vehicle to process claim within 4 hours after intimation.
Yes, INSURER covers denting and painting. It will be covered 50% in comprehensive plan.
Rs 10,000 is the maximum limit to loss of personal belonging cover.
Yes,Tata AIG offers emergency transport and hotel benefit,up to Rs 5000 in Pearl Plan.
Yes,you have to pay Rs 250 at the time of claim.
Yes, there is a NCB protection benefit available in Tata AIG. If you get plastic, rubber or fiber part repaired at Tata authorized center,it will not affect your NCB. Tata AIG provides protection for NCB up to 1 claim for repair of rubber, plastic, glass part or fiber.
These are Tata AIG tie up garages where you can avail accidental repair warranty with cashless benefits. Tata AIG has given 'green channel settlements' name to its cashless garages.
If it is covered in your current policy then no inspection is required at the time of renewal.
Yes Tata AIG is providing six months accidental repair warranty in both Secure and Pearl plans.
Yes, it is required to make payment before inspection. After receiving all payment details, Tata AIG would contact the customer to fix the schedule of car inspection.
When you sell your car, you have two options regarding car insurance:

  • Buyer can get the insurance policy transferred in his name by informing the insurance company who will make an endorsement in this regard. However,NCB on the policy is non-transferrable. It will be retain by the seller which he/she can use at the time of buying another insurance policy. It is important to inform the insurance company within 14 day from the date of ownership transfer failing which no claim will be paid for own damage to the vehicle.
  • You can cancel your insurance policy and buyer will buy a fresh policy. You will get the refund for the remaining period, provided there is no claim. In this case too, you can retain NCB and transfer it to your new insurance policy if you have bought another vehicle. Please note insurance company will cancel your policy only if you will submit necessary documents regarding ownership transfer. Also, you can transfer your existing policy to your new vehicle and unpaid premium will be adjusted accordingly by insurer.
If you are buying a new car and want to transfer your existing policy then you would need to contact your insurance company and submit necessary documents like sale letter of old car, third party insurance paper for old car, NCB document (if applicable) etc. There may be variation in premium rates and change in underwriting criteria for new vehicle.
We are sorry but you cannot get 'return to invoice policy' because it is available only up to 2 years of car age
A customer must send the scanned copy of RC of the car along with his policy papers. If you are unable to send scanned papers then you can click photographs of these papers and mail it to the insurance company. A payment has to be made either via electronic mode like credit/debit card or cheque. Thereafter insurance company conducts inspection of vehicle in next 24-48 hours. If the inspection is successful, then soft copy of the renewed policy would be issued in next 2 or 3 working days. Incase inspection is not successful,the amount which a customer had paid earlier, will be refunded within 7-15 working days.
You can buy insurance for your second hand car by submitting sell letter (Form 29 & Form 30) and previous owner’s policy details.
There are mainly two types of auto insurance policies available in market.

  • Liability Only Cover= It insured your vehicle against legal liability for death, disability or damage caused to the third party property. It doesn’t offer any coverage to damages caused to your vehicle. Also known as 'act only' cover' it is a statutory requirement under the Motor Vehicle Act to buy this insurance policy.
  • Comprehensive Policy= It covers third party insurance and also indemnifies policyholder against loss/damage caused to the own vehicle.
In addition, customer can opt for various add ons such as Zero Depreciation, NCB Protection, Road Side Assistance&344;Engine Protection, Invoice Cover, Consumables etc.
When you buy online, there is no documentation required to do. However, we advise you to keep the previous insurance policy and RC handy at the time of buying insurance.
For premium calculation, insurance company considers following factors-

  • Insured Declared Value= It is the maximum amount which an insurance company will pay at the time of claim. It is sum assured and is decided on the inception of the policy. IDV is arrived on the basis of manufacturer's listed selling price of the brand, model and then adjusted as per the standard depreciation rates. The depreciation rate keeps on increasing with the age of the car. A new car will fetch maximum IDV but as the vehicle turns old, depreciation rate keeps on rising. If accessories like music system or speakers are additionally fitted in your car then price of these items are also added to the IDV. If you are getting insurance for a vehicle that is more than 5 years old, then IDV is calculated on the basis of an undertaking between insurer and insured after adjusting depreciation rate. It is important to note, IDV is calculated only for a comprehensive insurance policy and not for a third party insurance cover.


  • CC (Cubic Capacity)= Every vehicle has an engine size, which is measured as per the cubic capacity. The size of the engine plays a role in deciding premium amount that you have to pay for a third party insurance cover. Premium would be same both in new and old vehicles because it is calculated on the size of an engine and not on the basis of its age. Engine capacity is not the criteria used for calculating premium rates for a comprehensive cover. You can find out cc of your vehicle's engine from its registration paper.


  • Geographical zone= According to India Motor Tariff,India is divided into two parts-

    Zone A=It includes cities like Delhi, Mumbai, Ahmedabad, Kolkata and Chennai

    Zone B= It covers rest of the country

    Premium rates are high in cities falling under Zone A as compared to Zone B.


  • Besides above factors, premium rates are also subject to certain deductions based on the age, occupation of the insured, RTO location, fuel type, make & model of the vehicle and no claim bonus earned. In case you want extended coverage for personal accident,electrical/non electrical accessories, etc; you may have to pay an additional premium.
Discounts offered by insurance company on your premium would depend on your claim history as well as other factors. Some of the popular discounts offered by insurance companies are-

  • No claim bonus= If you have not made any claim on your insurance during the policy term then insurance company will offer you discount, called no claim bonus at the time of renewal. Insurance companies reward policyholders for not making claims by providing discount on the own damage part of the premium up to maximum of 50%.

  • Memberships= Concessions are available if a policyholder becomes a member of recognized automobile associations, like Automobile Association of Upper India, Automobile Association of Eastern India, Western India Automobile Association and Automobile Association of Southern India.

  • Installation of safety devices- With vehicles being vulnerable to theft, installing anti-theft and safety devices in your vehicle is strongly advised. Insurance companies also encourage people to install anti-theft devices in their vehicle. Taking one step ahead, insurers are offering discounts to people who have installed anti theft and safety devices approved by the Automotive Research Association of India.

  • Voluntary deductible= You get discounts if you opt for voluntary excess. It means you give your consent to bear a certain portion of loss at the time of claim. For instance,you had an accident and total claim amount is Rs 20,000. You choose to pay Rs 10,000 of your claim and this amount is called voluntary deductible.
  • Loyalty discount= If you are renewing your policy with the same insurer then you may get loyalty discount.

  • Occupational discount= It is strongly recommended to give details of your profession at the time of filling the insurance form because there are various companies which are offering professional discounts. You may be entitled to get 5-8% discount on premium if you belong to any of the following profession-

  • 1. A fully qualified chartered accountant
    2 Serving in defense and paramilitary services
    3 Teaching in government recognized school, universities and educational institutes
    4 Employees of central/state government departments
    5 Qualified doctors who are registered with the government recognized medical council

  • Marital status= Nowadays, insurance companies are giving discounts to a policyholder if he/she is married. Insurers consider married policyholders more responsible drivers and are perceived to take good care of the vehicle.


  • Fuel type= Diesel cars may have become popular due to low fuel cost but buying insurance for them prove to be a costly affair. Vehicles using petrol attract low premiums as compared to diesel or CNG cars.
You need to declare it in your insurance paper at the time of buying a policy because CNG or LPG kit will be insured separately. However,if it is fitted in your car after the policy issuance then you need to inform the insurance company and submit copy of your updated RC certificate.
Yes, insurance companies are offering free accommodation and taxi travel, limiting the number of kilometers, from the breakdown location. For instance, insurance company can have a policy of providing free taxi and accommodation up to 50kms from the breakdown location. Check policy wordings to know more about this benefit.
Yes, Public sector companies provides comprehensive plan, but some of the private insurer restricted for 10yeras and some are for 15 years.
Reliance will take maximum 48 hours inspect the damaged car.
You will be reimbursed for transportation expenses up to your residence in the same city. In any other place in India,if your vehicle becomes immobile, you will get overnight hotel expenses and reimbursement for vehicle being towed to the nearest garage.
You should read this interesting blog to learn ways to find the best family floater health plan in India. For more information you can call on our toll free no 7733887733.
I have already purchased a Health insurance policy. Kindly how long it takes to receive the hard copy of the policy?
Policy coverage will not be available for someone with pre-existing critical illness. However, you can still share the complete medical history of that person with us to check all the options out. You can call us on our toll-free no 7733887733.
Almost all health policies offer cashless facility. To pick the best plan, you can compare all available health insurance policies easily on our portal. Here is the link to the health insurance section of our website. https://www.auassure.com
Yes, health insurance policies come with portability option. To know details about health insurance portability you can call us on our toll-free no 7733887733.
Since you want an individual health plan here is an interesting blog that you should read. You are also requested to follow the link below and compare some individual health plans by entering some basic details so that you can select the best individual mediclaim policy in India. https://www.auassure.com
In case your parents are senior citizen here is a good blog to give you a clear idea about best senior citizen health plans available in India. You can also visit our portal and compare available family health policies in terms of premium, features and benefits and pick the best plan as per your requirements.
Here is an interesting blog that you should read to learn ways to lower the premium of individual health policy. You are also requested to visit the health insurance page on our portal. You can compare multiple health policies in terms of premium to pick the one with lowest price.
Our representatives will contact you shortly to look after your policy requirements. For more information you can call on our toll-free no. 7733887733.
You can make claims if the treatment is covered in the plan. Read the policy terms regarding pre and post hospitalization.
Car manufacturer means various companies like Ford, Maruti and Suzuki. And model means a particular model of a given car company. For an example, if you have a Ford Ikon car; Ford is the company and Ikon is the model.
Yes, it is possible. To discuss about this in details you can call on our toll-free no. 7733887733.
You are requested to follow the link provided below and enter some basic details about the type of health policy you want. You will be provided with multiple plans with all details so that you can compare and select the best plan.
You can go through this blog to know how to find the best health plan for an individual. You are also requested to visit our website and compare available individual plans to pick the best individual health insurance policy in India.
No, you do not need to produce bills of purchase while taking insurance for your contents.
Market Value" means Replacement Value less depreciation. "Reinstatement Value" means the cost of replacing or reinstating on the same site, property of the same kind or type but not superior to or more extensive than the insured property when new.
First of all, the sum insured amount is not enough to cover the risk of 3 people. You should increase the sum insured amount. ICICI Lombard plan is good but if you still want to change it consider MAX Bupa Family First. For more information, you can contact us on our toll-free no 7733887733
In case your parents are senior citizen here is a good blog to give you a clear idea about best senior citizen health plans available in India. You can also visit our portal and compare available family health policies in terms of premium, features and benefits and pick the best plan as per your requirements
Age of the insured person is a big factor in determining the premium. Usually premium increases as the age of the policyholder gets higher. For more information you can call on our toll free no 7733887733
Our representatives will contact you soon to help you with the renewal process. For more queries you can call on our toll free no. 7733887733
There are some specific health insurance plans available that come with maternity coverage. If you purchase any of these plans you can avail this coverage. Our representatives will contact you shortly to look after your policy requirements. For more information you can call on our toll-free no. 7733887733.
Your selection of the best health insurance plan in India will depend on the premium you can afford and the sum assured you want. You can visit our portal to compare all the leading health covers available such as Care plan by Religare, Heartbeat plan from Max Bupa, Health Optima from Star Health. Here is the link to our portal
If the affected part of the car is covered as per your policy document you can make a claim. But you need to follow the claim related instructions properly and inform your car insurance company in India as soon as you meet an accident
Please enter your details on the page by following the link below. You can compare various quotes of critical illness policy.
As of now, there is no health plan available in India that covers IVF treatments
Yes, medical insurance plans are eligible for portability. For more information you can call on our toll free no 7733887733
Religare is a good company with very positive claim settlement record. The merit of a specific plan, however, depends on your requirements. For more clarification, you can call us on our toll free no 7733887733
Few health insurance plans cover pregnancy after waiting period of 2-4 years. Our experts will get back to you to help you with product comparison selection process. For more assistance you can call on our toll-free no. 7733887733
All health insurance policies cover existing diseases after a waiting period which varies between 2 and 6 years. Waiting period means the time you have to renew the policy continuously before being eligible for existing disease coverage
Please follow the link below and fill the required fields to get multiple policy quotes. You can compare those plans in terms of premium and other policies to pick the best health policy.
Aged people should take a standalone critical illness cover and young people can opt for a critical illness rider. Best critical illness riders are Bharti AXA Smart Health and Apollo Munich Easy Health and among standalone policies you can choose among Reliance Critical Illness which covers more than 10 critical illnesses and Bharti AXA Swasthya Sanjeevan which covers 6 critical illnesses. Women can go for women specific critical illness plan covering 8 critical illnesses by Bajaj Allianz
Some health plans cover this expense such as Apollo Munich Easy Health Insurance Plan, , Max Bupa Heartbeat Insurance Plan, Star Health Wedding Gift Insurance Policy, Max Bupa Family first
Read this blog to learn the secrets of saving on your car insurance renewals online. Our representatives will contact you soon to help you with the renewal process. For more queries you can call on our toll free no. 7733887733.
Does this new plan come with lifetime renewal option? If not what is the age restriction?
If the principal insurer which isme dies, what will happen with the cover for the other person?
You can either select a separate health policy for yourself and a family floater plan for the rest of your family. You can also avail one family floater plan and get yourself included in the plan. You can further have individual health policies for all the members of your family.
All health insurance providers offer cashless facility but you have to avail treatment in the network hospital and follow the right procedure for claim settlement. To cover your entire family you need to avail two family floater plans; one for you and your husband and the other for your father in law and mother in law. These policies almost all diseases except pre-existing ones which will be covered after 2-4 years of waiting period.
All health plans cover pre-existing conditions after a specific waiting period of 2-4 years. You can consider plans like Apollo Munich Optima Senior, Religare Care, Max Bupa Heartbeat, ICICI Lombard complete health insurance-iHealth
Health plans that cover maternity related expenses usually come with a specific waiting period of 2-4 years. Some of the best health insurance plans that offer this benefit are Star Health Wedding Gift, Max Bupa Heartbeat and Apollo Easy Health.
At present, no health insurance policy providers in India cover epileptic patients. For more information you can call on our toll free no 7733887733.
To cover all these members you can opt for Max Bupa Heartbeat -Family First plan. You can also avail multiple health plans for every individual
Critical illness plans are available both as a rider or a standalone plan. The insured receives a lump sum upon diagnosed by one of the specified critical illness such as cancer, sclerosis, kidney failure, heart disease
In general, health insurance plans cover pre-existing diseases after 2-4 years of waiting period. To get coverage for specific illness you need to contact particular health plan provider.
There is a plenty of family floater plan available, however you need to be clear about your requirements you need to avail the best policy. Some of the most popular family health insurance plans include Max Bupa Heartbeat, Apollo Easy Health, Star Health Comprehensive and Oriental Happy Family
Some insurance plans like Star Health Wedding Gift, Max Bupa Heartbeat, Apollo Easy Health offer cashless treatment in network hospital for pregnancy after a waiting period of 2-4 years.
It is written clearly on your policy document whether your policy is eligible for extension after 80 or not. At present, all major health insurance providers come up with lifetime renewal policy.
Please enter your details on your health insurance page by following the link provided below. You will get a list of health plans to compare features and premium. You avail the best plan by comparing multiple plans.
You are requested to follow the link below and furnish your details. You will get multiple travel policies that cover USA for your said duration. You can compare those plans and pick the one that suits you best
Pre-existing diseases are usually covered after specific waiting period which varies from one health insurer to another and is usually in the range of 2 to 4 years. To get coverage for specific ailments you have to get in touch with the insurance company directly. Very few health plans cover Ayurvedic treatments
It is essential for people in the age-group of 46 and 55 to undergo medical test. The expense of the medical test is borne by health insurer. These tests include SGPT, SGOT, Serum Creatinine, Urinalysis, Serum Triglycerides, Fasting Blood Sugar, Electrocardiogram and a complete Medical Examination Report
Here is an interesting blog that you should read to learn about crucial aspects of family floater health policies in India. You can also follow the link below and compare available family health plans on the basis of your requirements to select the best mediclaim plan
Our experts will contact you soon to take care of your policy requirements. For more information, you can call us on our toll-free no 7733887733.
Yes, you can port the health policy from the existing insurer to a new insurer. Our representatives will contact you soon to help you with the process of portability. You can also call on our toll free no 7733887733 for further assistance
All health plans that cover maternity in India offer cashless treatment after a specific waiting period. Some of the best plans are; Exclusive and Premium version of Apollo Munich Easy Health plan, Wedding Gift Policy by Star Health, Heartbeat Floater plan by Max Bupa.
You can visit our health insurance page and provide your details to get a list of health policies. You need to compare those plans and find the best one covering all your requirements. Here is the link to visit our health insurance page.
Every health insurer comes with a certain entry age to avail health insurance policy. For an example, people between 60 and 75 years can avail senior citizen health plan from Star Health. If the senior citizen has many ailments the team of medical underwriter will evaluate proposer’s medical report and make the final decision. If you want more information you can call us on 7733887733.
There are plans available like Bajaj Allianz or star Health senior citizen plan for your mother. For more information you can reach us by calling on 7733887733
Most of the major travel insurers operating in India consider 60-80 years for senior citizen. For more information you can call us on 7733887733.
You are requested to visit our senior citizen health insurance page by following the link provided below. On this page, you can fill in the details on required field to get a list of senior citizen health plan. If you compare these plans in terms of premiums and other features you can select the best plan.
Please enter your details on our page dedicated for senior citizen health insurance and get multiple policy quotes to compare. When you compare policies in terms of features and premium you can select the best plan
All health insurers have their own set of terms and conditions to insure individuals. It depends largely on the health conditions of the individuals so if you please provide a bit more details we can suggest you some great plans.
Within the newly introduced portability option you can shift your existing policy to a new insurer. But, you have to follow the rules and regulations. You need to apply 45 days prior to renewal. If you are looking for a good critical illness policy you can check Star Criticare Plus.
There are many health plans available that cover critical illness. The best thing you can do is follow the link below and fill in some details to get a host of health insurance policies. You can compare these policies on the basis of your requirement and select the best one
Pre-existing diseases are covered under a health plan only after a specified waiting period which is usually 2-4 years.
You will get many health plans that suit your needs. You just have to visit the link below and put in your details. You can compare a list of health policies to choose the best
You can choose from plans like Apollo Munich Easy Health Exclusive, Bharti AXA Smart Health, IFFCO Tokio basic and critical health plan. If you want more option you can visit the link below and get a host of policies to choose from. https://www.gibl.in/health-insurance/You will be paid a lump sum amount on diagnosis of critical illness irrespective of actual costs of treatment.
Since you are looking for coverage of Rs. 15-20 Lac you can opt for Max Bupa’s Heartbeat plan. It is a very comprehensive plan. You can also avail two separate family floater plan with your required cover. You can get a list of quote and compare other features of health plans from the link given below
Our experts will get in touch with you soon to look after your parents’ health policy requirements. For more clarification you can reach us on our toll-free no 7733887733.
Health insurers like Bharti Axa, HDFC Ergo and Star Health have hospital network in Kashmir
You are requested to follow the link below and compare some family health plans by entering some basic details so that you can select the best available family mediclaim policy in India.
Our experts will contact you to provide you with the service you are looking for. For more assistance you can call on our toll-free no. 7733887733
One of Max Bupa’s plans has this feature with terms and conditions. Other health plans cover new born baby from 91 days if their parents are covered as well.
Please note that all health plans available in India comes with terms and conditions for coverage of pre-existing disease. However, our representatives will contact you soon to provide you with the service you are looking for. For more information you can call on our toll free no 7733887733.
According to the rule of Health Insurance Portability and Accountability Act of 1996, you can port the health plan provided by your company to a personal health plan chosen by you
You can consider providers like Religare, Max Bupa, Apollo Munich to port your current insurer. For more assistance you can call on our toll free no 7733887733.
At least one of the parents of your baby boy needs to be included in the same insurance plan. Some of the comprehensive health policies that you can select for your baby boy are Religare Care, Star Health Medi Classic, Apollo Munich Easy Health, Max Bupa Heartbeat
Yes, you can certainly shift your existing policy to a new vendor. Health insurance portability makes it possible without having to consider the policy as a new one. All the bonuses and discounts like waiting period you have accumulated so far will be counted by your new insurance provider
Some health policies offer coverage for Ayurvedic treatment that you can avail. Based on your budget, you can compare policies like Star health Medi Classic, Apollo Munich Insure Health, HDFC Ergo Suraksha Silver and select the best one.
Health insurance plans offer coverage for medical expenses. If you want to avail cashless facility you need to seek treatment in a hospital that is in the network of your health insurance provider. You just have to inform your insurer or the TPA in advance to get the approval at the right time. To select the best health plan that offers cashless treatment facility in your vicinity you can go through the portals of health insurers and find out their list of network hospitals. Once you find a network hospital in your locality you can pick that health insurer.
To find out the best health policy for your family, you need to be clear about your requirements. You have to determine the coverage, sum insured amount and if any other specific requirement you have. Once you know what you need, the process of finding the best mediclaim plan will become lot simpler.
If you buy a health plan from any Indian health insurance company you will get coverage for Indian hospitals only. You won’t get any coverage for any overseas medical expenses. You need to avail a health policy for your family in Australia only.
Most mediclaim plans that are available in India can be purchased by students. Although these plans don’t offer international coverage but you can gain no-claim discount if you don’t make any claim in a particular policy year
Most health plans offer maternity benefits after 2-4 years. Some of the best health policies with maternity coverage are Star Health Wedding Gift , Max Bupa Heartbeat, Apollo Easy Health. Noe SBI General Also Launched a product called Arogya Premier policy which covers the maternity after 9 Months only
Regular health plans don't cover LASIK Surgery. But, to be confirm you can make a call to the customer care representatives of Bajaj Allianz
There are few senior citizen health cover available for your parents. Medical check-up and co-pay will be must. Religare, Max Bupa is some of the providers you can check with
The benefits depend on the type of insurance plan you have taken for yourself. Health insurance policies typically offer coverage for hospitalization of insured people due to illness or accidents. There is no coverage available in the event of the death of the policyholder and there is no maturity benefit as well. This type of coverage is available in life and term plans
Currently, Star Health offers cashless mediclaim schemes for HIV positive people. The plan is known as Star Unique Health and it is specifically designed for HIV positive people
There are many senior citizen health insurance plans that you can avail for your grandparents. You can go through senior citizen health policies like Bajaj Allianz Silver Health, Apollo Optima Senior and Star health Wedding Gift plans.
In recent times, there are many senior citizen health covers are available. You can choose from Religare Health Care, Max Bupa Heartbeat, Star Health Red Carpet, Apollo Optima Senior health plans.
Yes, there are some health plans that fulfill your criteria. You can go through plans like Max Bupa Health Companion, Religare Care, ICICI Lombard iHealth plan to select one. All these plans offer comprehensive coverage
There are many good senior citizen health insurance plans available such as; Religare Health Care, Star Health Red Carpet, Apollo Optima Senior and Max Bupa Heartbeat. While selecting, you need to evaluate the coverage and exclusions of the health covers. You should also go through the conditions regarding co-pay and claim loading before finalizing one.
Once you reach the page where a list of policy appears you need to click on ‘view details’ which you will find beside every policy. Once you can see the details of each plan you can easily compare them.
Star Health Gain is a good health plan with OPD coverage. You can check out other plans as well by comparing multiple health policies with OPD coverage to pick the best one. Here is the link to the health insurance section of auassure portal .
Dear, if you want to take a family floater health plan for your whole family the premium will be determined by the age of the eldest member included in the plan. Since you father is a senior citizen the premium will be high. So, you should buy him a separate senior citizen plan. You can select from the Varishta scheme from National Insurance, Easy Health plan from Apollo Munich or Heartbeat plan on offer by Max Bupa. However, you need to assess the terms and conditions regarding claim-loading and co-pay. For health plans with maternity cover, you can pick health insurance plans like Exclusive and Premium versions of Apollo Munich Easy Health or Wedding Gift plan by Star Health.
There are plenty of good senior citizen health plan out there by leading insurers. You can select the best ones from Bajaj Allianz Silver Health, Apollo Munich Easy Health and Heartbeat plan by Max Bupa.
Of late, India’s insurance sector is thriving with many quality senior citizen health plans. You can pick the best plan from Bajaj Allianz Silver Health, Star Health Red Carpet and Max Bupa Heartbeat as per your needs and affordability.
Here is an informative blog about individual health insurance that you should read to gather vital information
Here is an interesting blog about family medical plans that will give you lot of vital information. You are also requested to follow the link below and compare some family health plans by entering some basic details so that you can select the best available family mediclaim policy in India.
There are quite a few good health plans available for senior citizens. Depending on your budget and requirement, you can select from Max Bupa Heartbeat, Bajaj Allianz Silver Health, Star Health Red Carpet and the likes.
Travel policies usually cover expenses for cancellation or interruption of trip, delay of departure for more than 12 hours in a row. Here is an interesting blog that discusses in details about coverage of a travel insurance plan. For more clarification you can talk to your insure and read the policy wordings carefully.
There is no such health insurance plan available in India at present with coverage for stem cell treatment. For more queries you can call on our toll free no 7733887733.
All health plans will come with a waiting period to cover pre-existing diseases. You will get many plans that cover piles but after 2-4 years. To compare various plans you can visit our health insurance page.
It is difficult to obtain a health policy for a person with ongoing cancer treatment. Even fully treated cancer patients are not offered by health insurance providers in India. And, even if you get one for her, you have to waive off the waiting period which will not be waived off by your company's group health scheme.
According to IRDA, all insurance companies have to go by the guidelines of general insurance incusing Reliance. For more information you can call on our toll free no. 7733887733.
If you want to know the chief aspects of family floater health plans this blog is a must-read. You are also requested to visit the health insurance page on our portal. You can compare multiple family health policies to pick the best one. Here is the link to the health insurance section of auassure portal.
Hi, you are requested to follow the link below and visit our page dedicated for senior citizen health plan. You just need to put in the details of your requirements so that you can compare multiple policy quotes for your father and select the best one available
If you are looking for a family floater health plan, you should read this blog to choose the best family medical insurance plan for your parents. You are also requested to follow the link below and compare some family health plans by entering some basic details so that you can select the best available family mediclaim policy in India.
Yes, you can get the renewal of car insurance done without visiting Kolkata. Your previous insurance is over and to renew it an inspection from insurer would be necessary. By providing your Kolkata address and contact no while booking you don’t have to be physically present in Kolkata.
Since the risk factor for a person who is 75 year old is very high most insurance plans are quite costly. To compare available plans you can follow the link below and visit our page
You can opt for the health plan by Star health as there is no waiting period. But there will be co-payment of 50% for pre-existing cover and 30% for other diseases
Travel Insurance ( Overseas Mediclaim ) provides coverage for medical expenses incurred overseas for any treatment received as an inpatient or outpatient. All plans also cover trip related exigencies like trip delays, trip interruptions, trip cancellations and related problems that may arise during your trip. Some plans also provide services such as travel-related advice, Medically required Evacuation to your home in India or a hospital overseas for continued medical treatment. Other assistance services include providing emergency cash or help in the event of the loss or theft of your money, valuables or travel documents.
You have an option to compare different Travel Insurance ( Overseas Mediclaim ) policies online in Www.auassure.com and then choose the cheaper one according to your requirements. As an insured, please note that "cheap" may also mean limited insurance coverage. So kindly evaluate and decide the cover requirement based on your age, destination and duration of travel and then look for the most affordable option.
Buying Travel Insurance ( Overseas Mediclaim ) online is easy. All you need to do is, follow the instructions on our website, enter your personal details and buy using your credit card. The purchase is done on a secure page, and your credit card information is safe.
The insurance can be purchased from anywhere across the globe as long as the traveler is still in India. A son or daughter sitting in the United States or the United Kingdom can purchase insurance for their parents who are traveling from India.

All the relevant details about the policy is available online, so you can make an informed decision while purchasing the plan, and not depend on the decision of your travel agent or insurance agent.

Buying business insurance online saves time as it is convenient and can be completed in a matter of minutes without any paperwork. Purchasing online is environmentally friendly as there is no paperwork involved.

You can also use the compare Travel Insurance ( Overseas Mediclaim ) tool, where you can compare Travel Insurance ( Overseas Mediclaim ) policies offered by several companies under one roof and buy the policy you like.
No, you do not pay anything additional. You pay only for the cost of the insurance policy. Our online facility provides the best prices, you cannot get a lower price for the same product anywhere else.
You can always save money by comparing quotes of different insurance policies. There are many insurance companies offering attractive policies, you can compare the different plans using our Indian Travel Insurance ( Overseas Mediclaim ) comparison facility. Select the policy suitable to your budget and requirements. If you travel overseas regularly then the annual multi-trip policy probably works best.
You can purchase using either credit card, debit card or cheque on our website.
No, there is no such requirement to getting medical test for Travel Insurance ( Overseas Mediclaim ). Some companies might ask for medical tests for travellers more than seventy years for higher coverage. Coverage often to fifteen thousand dollars is provided without medical tests.
For most of the travel policies offered on our website, there is no need for providing medical records. If medical records are required then it’s clearly mentioned.
You will receive the policy document by email and a hard copy of the same document will also be sent to your Indian address by courier.
In case the courier is delayed, you can use print out the electronically sent soft copy which is a legal document and is fully valid.
In case the policy has not yet started then contact the company and request for the cancellation. If the policy has already started then you have to get in touch with the company and provide all the pages of the passport as proof that you have not travelled overseas. In both the cases the cancellation charges is Rs.250/- per policy.
The insurance policy will provide details for filing a claim. You should submit the claims form along with all other relevant documents (medical bills, doctor’s records ...) to the claims office. There will be a claims support telephone number who can assist you in this process.
TATA AIG, Bajaj Alianz, Reliance, HDFC Ergo, Religare, ICICI Lombard, Iffco Tokio, Cholamandalam, Apollo Munich and Future Generali are some of the companies we work with.
Passport loss, baggage delay, baggage loss, accidental death while traveling, either during the journey or during the stay outside India is some of the emergencies according to insurance companies.
While it is not mandatory for you to carry the policy, we do recommend that you carry the document when travelling and refer to it whenever necessary.
All your premiums go into one big pot and are called as pooling of risk. The premiums collected are utilized to provide financial support of those travellers who need assistance.
Yes, you can visit any hospital. All insurers have assistance companies that provide coverage throughout the world. If time permits the insured is
Yes, most of our policies include Baggage loss, Trip Cancellation, and Emergency Repatriation.
No, your return journey will not be covered under baggage delay benefit.
No, it does not cover rental car insurance when you are travelling.
Of course you can buy a policy. Please use our Travel Insurance ( Overseas Mediclaim ) comparison' to see plans that you can purchase
Yes, as long as the treatment is an emergency and it is on natural teeth.
The 'Planned Hospitalization' is scheduled for a future date either for treatment or surgery based on doctor's advice. On the contrary the hospitalization that occurs in an unanticipated circumstance for example, due to accident or a medical emergency is called as `Emergency Hospitalisation'.
Generally Travel Insurance ( Overseas Mediclaim ) will not cover adventurous sports but there are specific policies which do. For more details contact us.
TPA stands for Third Party Administrator
No, the definition of family is that of a couple and two children. Nieces and nephews are not included within the family and are not covered within the family floater insurance policies
You have to call the toll free number on the Travel Insurance ( Overseas Mediclaim ) policy document and the customer care executive will guide you.
No, suicide is illegal and anything illegal is not covered under Travel Insurance ( Overseas Mediclaim ).
Personal accident insurance policy provides compensation to an insured person against various injuries, death disability, Weekly benefit, Education cess resulting from an unfortunate accident, or any external and visible events.
Personal accident insurance policy provides compensation to an insured person against various injuries, death disability, Weekly benefit, Education cess resulting from an unfortunate accident, or any external and visible events.
Personal accident insurance or PA insurance is specifically designed to protect you against any accidental injury such as permanent disability, accidental death, broken bones, burns due to an accident etc.
It is not mandatory to procure personal accident cover for car insurance. However, you can opt for personal accident since nothing in life is guaranteed any anything can happen.
There are mainly five common types of car insurance coverage :

  • Liability Coverage
  • Collision Coverage
  • Comprehensive Car Insurance
  • Personal Injury Protection Coverage
  • Auto Medical Payments Coverage
  • Uninsured/Underinsured Motorist Coverage
Since you can’t foresee your future and can’t predict what your medical bills will be when you suffer from an accidental injury all of a sudden, it is wise to have personal injury protection.
You should have bodily injury coverage of at least 10times of your annual Income.
The difference between bodily injury and personal injury protection (PIP) is that bodily injury is liability coverage that compensates the people you are legally responsible for hurting while personal injury protection covers only your own medical expenses.
When you meet an accident, PIP or personal injury protection covers only medical expenses, rather than any property damage. PIP (Personal Injury Protection) also stands for no-fault policy since it covers the insured person regardless of who is at fault in an accident.
It is not necessary for anyone to have Personal Injury protection insurance, though some states stress on carrying a minimum level of this insurance.
If you have health insurance, your medical expenses will be paid upto a certain limit as per your health insurance policy. However, if you have a minimal health insurance or no health insurance at all, personal injury protection can ensure you to pay for your medical bills.
Personal injury protection or PIP on auto insurance pays for the medical expenses to an insured person, whether the person is at fault in an accident or not.
Personal injury is a term which is used when a person suffers an injury, disability, or even death, typically due to the negligence of an individual or organization.
Bodily injury is liability coverage and it is a part of your auto insurance policy. Bodily injury coverage pays for the costs associated with injuries to the other person or people due to an accident for which you are found legally responsible.
Cost of construction includes material and labour cost/sq. ft. In a place like Delhi cost of construction varies from Rs800/sq ft. to Rs1200/sq ft. depending on the quality of construction.
Home Insurance in India
is also quite cheap and hence you won't have too much trouble while buying it.
Sum Insured ( Value ) for your house excludes the cost of land. Sum Insured is calculated as follows- Covered Area (Sq. ft) * Cost of construction (per sq. ft) = SI for your Building E.g. (400sq ft) * (Rs 700/sq ft) = Rs 280000/-(SI of Building).
Home insurance plans provide coverage for damage of the house or contents inside the house. You can avail a home insurance policy with extended cover that offers protection for accidents that are likely to take place in households. Although, buying a home cover seems meaningless, it is in fact useful. Especially after the recent incident of earthquake and other natural calamities house insurance plans have become essential. You shouldn't wait for a disaster to ruin your house; you should rather go for a home insurance in India beforehand
There are many benefits of securing a suitable home insurance policy. Aside from the peace of mind for keeping your property intact, there are many other facilities that come with a house insurance cover. You can get repairs done on emergency basis and if your house gets damaged, expenses for staying outside your residence will be covered under your house insurance plan. If you choose to buy an online home insurance policy you can easily avoid the hassles of submitting a bunch of documents as online purchase of home insurance in India involves in minimum documentations. Furthermore, the premium that you have to pay every year is negligible compared to the value of your household and assets inside.
  • You can reap maximum benefits without having to spend a lot on a home insurance policy
  • You can rest assured of getting lowest annual premium quotes on best home insurance plans
  • Availability of a wide range of comprehensive home insurance in India with maximum coverage
  • It just takes a few minutes to compare home insurance plans to get hold of the best home insurance policy quotes available
  • You will be informed about all the offers and discounts available on premium
  • Top house insurance covers are in store for rented residences as well
  • The coverage of a home cover encompasses valuable assets inside the household too
Your selection of cover worth should be according to your needs and budget. You can pick assets that you want to insure and keep them under the coverage. The coverage amount of a particular home insurance in India is determined either by the product's current market value or by the reinstatement value. The coverage of the best home insurance plans also includes personal accident. Personal accident cover offers compensation in case of death or permanent disability of the insured people.
Even though, best home insurance plans provide extensive coverage there are some exclusions as well. Home insurance in India doesn't cover radioactive contamination and damages due to nuclear explosive equipment. Moreover, policyholders are not supposed to get compensation for damage of assets due to war, invasions or military activity and the likes. Aside from these pre-specified exclusions, house insurance plans are a great support during bad times.
Cost of construction includes material and labour cost/sq. ft. In a place like Delhi cost of construction varies from Rs800/sq ft. to Rs1200/sq ft. depending on the quality of construction.
Home Insurance in India
is also quite cheap and hence you won't have too much trouble while buying it.
Sum Insured ( Value ) for your house excludes the cost of land. Sum Insured is calculated as follows- Covered Area (Sq. ft) * Cost of construction (per sq. ft) = SI for your Building E.g. (400sq ft) * (Rs 700/sq ft) = Rs 280000/-(SI of Building).
Visit www.auassure.com. Our Web portal provides you online issuance of insurance, you have to login there and give the details of your product which you want to buy. At auassure.com you will find various insurance companies comparison for purchase of your product.
In traditional policy person has to visit insurance company or insurance agent office for purchase of insurance. Through online issuance of policy he can buy different products online without visiting agent or insurance company office. Online policy issuance provides comparison of various insurance companies, various products, premiums etc., And Payment of Insurance Premium can be made using Credit / Debit Card for Online issuance of policy.
You will find various sites for online issuance of policies. At velociti.in you will find user friendly interface for issuance of policy. You will find various insurance companies comparison of Premium and benefits so that you can buy best product. Paying through Credit card you can make the payment of your policy.
Currently at our portal you can buy Travel Insurance & Motor Insurance. Shortly we will provide online issuance of your Marine Policy, Personal Accident Policy, Home Insurance and Health Insurance.
Yes, you can renew your policy online. You have to give details of your old policy, after paying premium through credit card your policy can be renewed online.
You can pay your insurance premium through Cash, Cheque and Credit Card. For payment of buying policy online you have to pay through Credit Card.
After buying policy from our site, your soft copy of policy will reach within 4 working hours. Hard copy of policy will reach to you within 4 working days through courier.
We are General Insurance Brokers. Currently we have tied up with Tata AIG, Bajaj Allianz, Future Generali, Reliance, New India, Star Health, Apollo DKV for online policy issuance. We are also working with Oriental, National, United India, ICICI Lombard, Royal Sundaram, Iffco Tokyo, Cholamandalam.
If you find any discrepancy in your policy then you can write mail to us regarding discrepancies. You have to give exact corrections required on policies. We will make correction in your policy and revert to you.
If you misplace your policy which you bought from us, you have to write mail to us providing details of your policy. We will provide you duplicate policy copy as per your request.
We have tied up with HDFC Bank and Axis Bank as our Payment Gateway. When you want to make payment by Credit/Debit Card you would be forwarded to Payment Gateway. We are using MasterCard Secure Code and Verified by Visa as Additional Security of your online transaction. Transactions on our Web portal are protected with up to 256-bit Secure Sockets Layer encryption and certified by GoDaddy.
You can write mail to us regarding cancellation of your policy. You have to give reasons for cancellation and after providing necessary documents your policy can be cancelled.
If you want to cancel your policy, you have write mail to us regarding reason for cancellation. You have to forward necessary papers for cancellation. After providing all requirements you will get your refund. In case of motor short term premium will be calculated and rest will be refund.
In case of any query of clarification you can call to our toll free number which is available at our site. You can write mail to us regarding your queries. We will revert to you and give explanation to your queries.
In event of claim, you have to make call on Toll Free number which is printed on your policy for registration of loss. In case of Accident you have to make FIR with police authorities. You can go to our site and write mail to us regarding details of claim, we will forward your request to insurance companies and provide you Claim Number.
In case of claim you can write mail to us regarding your claim. You have to write Claim number, details of cause of claim etc. after receiving you mail we will take follow up in respect of your claim like status, quantum payable etc.
Iassure is a web portal fully owned by Velocity Insurance Broking Services Pvt Ltd to offer retail products online. POS or customer can visit the portal, can compare and buy the retail Insurance products.
Retail products viz Two wheeler, Private Car, Commercial Vehicle ( Passenger vehicle and Goods carrying Vehicle), Health Insurance, Travel Insurance and Term plan ( Life ).
There are 3 easy steps need to follow, with basic information you can get the quotation offered by Insurer and can compare with product wise and premium wise. Than filled the complete proposal details shown in the portal. After that it will take you to the payment gaeway of Insurer, once payment successful done. Policy pdf you can download from the portal or policy will come directly to your email id.
Yes, true New India is not forwarding policy in email. We have the Policy PDF utility section in our portal. You can search the policy by Policy No, Quotation no, Order nor or Policy no if y vehicle Redg no.
All the policy issued online does not required seal and stamp, all the policies have digital signature with QC bar code.
In two Wheeler cases Insurer has waived off Inspection but the policy will be issued instantly but the risk start after 2 days and some of the company offered after 3 days.

In private car segment, the policy issued once the inspection done. You need to follow all the instruction as like as continue case but in confirmation page it will book the inspection with two option as self inspection or Surveyor Appointment. If you will select self inspection then the link will received on your register email if, their you need to click on the link and follow the instruction to take the photo of the vehicle, RC photograph and vedio of the vehicle. Once it done will uploaded in insurer portal and goes to underwriter for approval, after that if the vehicle get recommended then the payment link sent to the customer to make the payment and issue the policy.

Otherway, if you will select the surveyor the surveyor will appointed and do the inspection in your preferred place. After the vehicle get recommended then the payment link will sent to the customer register email id to make the payment and issue the policy.
Yes, we have New India who does private car without inspection but the policy but be expired within 15 days only.
There are few companies offering private car break in policy doing Inspection. HDFC ergo, Bharti, Reliance, New India, Tata, Go digit, Royal are among them.
CPA is the part of Third party section only, so in only stand alone OD it will not reflect. So you need to have a separate CPA policy.
If you are not able to find out the financer details, kindly email to the websupport@iassure.com and Santosh.sahoo@velociti.in email ID. The financer may not listed with the Insurer, so we need to request to the insurance company with the finance letter to add in their master. This process will took 2 hours working hour.
The RTO are showing in our system as per the Insurance companies, if any new In new Vehicle case registration no is not mandatory , top of the Redg field there is a field called “without Redg No” , you need to select that system will permit you to buy the policy without registration no.
The RTO are showing in our system as per the Insurance companies, if any new RTO has introduce you can write email to websupport@iassure.com and Santosh.sahoo@velociti.in email IDs. So we will request insurer to add in the master within 1 working day.
In case, the vehicle is not showing. Kindly share the RC copy to websupport@iassure.com and Santosh.sahoo@velociti.in email IDs. The vehicle will update in 1 working days.
Bajaj Integration KIT is not available for the time being. It is available in Bajaj imitra portal only.
Please go back to the page and in Address 1, put maximum 5 character and proceed further.
Yes, on Quotation page left hand side you have the option to set the IDV. Please follow the IDV range…

On 2nd Page, you will have the option to select the Required only OD option to buy the policy.

You have a separate PA policy more than 15 Lacs, you can give the details then further compulsory personal accident policy does not required to buy with you motor policy.
If the ownership has changed in last 12 months, the NCB is not applicable and Inspection is required for private car policy.
Additional coverage with Nominal Additional Premium covered along with your existing policy.
Road side Assistance Provides support for Basic on road breakdown situations like tyre change,bettery jump start, emergency fuel, medical assistance etc. which are not covered under insurance.
When the engine of the car is submerged in a water logged area, using or cranking the engine can result in engine ceasing. This is not covered under comprehensive policy. Engine protector covers such non- accidental exclusion related to the engine.
Consumables ( Nut and bolt, screw, washers, grease, lubricants clip, AC gas, Bearing, distilled water, engine oil, il filter, fuel filter, break oil and the like ) arising out of damage to the vehicle.
In case key lost or stolen, you have to request a new one from the manufacturer. In most cases, you may even need to replace the locks, which is another added expenditure. Key and luck replacement covers the expenses incurred for procuring an new key.
This is also called Nil Dep Policy or Bumper to Bumper cover, This covers gives you complete cover on any body parts of the car excluding tyres and battry raises. Insurer will pay entire cost of the body parts, ignoring the depreciation in value of these parts.
This cover allows you to protect your no claim bonus ( NCB ) even after you have made a claim in the existing policy. This is only applicable when you you renew with the same insurer next year.
This add on covers the cost of hiring an alternative vehicle in case your car is under repair.
This ad-on covers to get the Original invoice value of your vehicle and not the current IDV in case of theft or total loss.
This add-on coveres damage to tyres and tubes without the vehicle meeting with an accident in normal accident cases, damage to tyres and tubes is covered.
This add-on covers loss of personal belongings ( Baggage, clothes, bag etc) belonging to you and your dependent family members due to car theft or break in.