Consumer Rights
Can an Insurer Add New Conditions at Claim Time? Your Policy Is the Contract
An insurer is bound by the policy it issued and cannot invent new conditions at claim time. The settled principle,…
Guides by Raju Patvekar
Claim Process
Total Loss With a Car Loan: Who Gets Paid, and the Gap That Catches You
When a financed car is written off, the insurer pays the lender first. If the IDV is below your loan,…
Claim Process
Cashless Claim Denied at the Garage Counter? Why It Happens and What to Do
Cashless refused at the garage? The real reasons motor cashless gets denied, what to do on the spot, and why…
Claim Process
Re-Inspection After Repair: Why Car Insurance Claims Stall Here
The post-repair re-inspection is where many car insurance claims quietly stall. What the insurer checks, why claims freeze, and how…
Claim Process
Repair vs Replacement in a Car Insurance Claim: How the Surveyor Decides
How a surveyor decides to repair or replace each damaged part — and why the choice quietly changes your payout…
Claim Process
Own-Damage Car Insurance Claim: The Complete Step-by-Step Walkthrough
The full own-damage car insurance claim process in India — the six stages, IRDAI 2024 timelines, deductions, and the mistakes…
Claim Process
Two-Wheeler Own-Damage Claim: When to Claim, the Process & What’s Deducted
A two-wheeler own-damage claim works like a car claim but the economics differ — the compulsory deductible is just ₹50/₹100,…
Consumer Rights
How to Dispute a Motor Insurance Claim in India: The Escalation Ladder
A rejected or short-paid motor claim is rarely the end. The full escalation ladder in order — reply to the…
Policy & Coverage
EV Insurance & Claims in India: What’s Different for an Electric Car
Electric cars use the same motor-insurance framework as any car, but three things differ: the battery’s treatment at claim time,…
Policy & Coverage
Third-Party vs Own Damage vs Comprehensive Car Insurance: What Each Pays
The three levels of car insurance in India explained: third-party covers only others, standalone own-damage adds your own car, comprehensive…
Claim Process
Every Deduction on Your Car Insurance Repair Bill, Explained
Your claim cheque is smaller than the repair bill because several deductions stack — depreciation (betterment), deductible, consumables, tyre/battery share…
Policy & Coverage
NCB After a Total Loss: Do You Keep Your No-Claim Bonus?
A total-loss claim usually wipes your accumulated No-Claim Bonus — unless you have the NCB Protection add-on. How your NCB…