How many times can I claim Car Insurance in a year?
There’s no limit, but multiple claims can reduce your No-Claim Bonus and can increase premiums on renewal.
What is a cashless claim vs. reimbursement claim?
In a cashless claim, the insurer settles repair costs directly with a network garage. However, if you get repairs done at a non-network garage, you have to pay out of your pocket, and the insurer reimburses your claim amount later.
What is a deductible in Car Insurance?
It’s part of the repair costs you agree to pay before insurance covers the rest. Opting for a higher deductible can lower your overall premium.
How many times can I use Roadside Assistance in a policy period?
Up to 4 times, depending on your plan.
Will my NCB be affected if I claim for LOPB & Key Protect?
No. Since these are standalone add-on cover claims, NCB is not impacted.
Will I lose my NCB if I renew my Car Insurance after expiry?
Yes, NCB lapses if you don’t renew your Car Insurance policy within 90 days of its expiry date.
Can I claim insurance for natural calamity damages?
Yes, package Car Insurance policies cover damages from floods, earthquakes, storms, and natural disasters