Claim Rejections
Can Your Claim Be Rejected for Drunk Driving or No Valid Licence? (India)
Drunk driving and driving without a valid licence are own-damage exclusions — but rejection is not automatic, and a third-party…
Guides by Raju Patvekar
Claim Process
Garage Estimate vs Surveyor Estimate: Why the Approved Amount Is Lower (and What to Do)
The garage quotes the full repair cost; the surveyor approves what the policy pays. Why the approved amount is lower…
Claim Process
Salvage Value Deduction: Why Your Total-Loss Payout Is Less Than the IDV
A total loss is settled at IDV minus the value of the wreck. Whether that salvage deduction hits your cheque…
Policy & Coverage
Zero Dep vs Comprehensive: Is the Add-On Worth It for Your Car’s Age?
Zero depreciation is an add-on on top of comprehensive, not an alternative. Whether the extra premium is worth it turns…
Claim Process
How Long Should a Motor Insurance Claim Take? IRDAI Timelines Explained (2026)
IRDAI now sets a clear clock on motor claims: surveyor within 24 hours, survey report within 15 days, and settlement…
Policy & Coverage
Flood-Damaged Used Cars in India: How to Spot One — and the Insurance & Claim Risks Nobody Warns You About
Flood total-loss cars are quietly resold every monsoon, and India has no salvage title to warn you. How to spot…
Policy & Coverage
Zero-Depreciation Claim: What’s Still Deducted (and Why You Get Less Than the Bill)
Zero depreciation waives depreciation on most parts — but the deductible, consumables, tyre/battery share and claim limits still apply. What’s…
Policy & Coverage
Engine Protection Add-On (Engine Protect Cover): Do You Need It for the Monsoon?
Comprehensive car insurance covers flood damage but usually not water inside the engine. What the Engine Protection add-on covers, what…
Claim Process
Two-Wheeler Theft Insurance Claim in India: Does Your Policy Even Cover It? (Process & Traps)
A stolen bike is only covered if you have comprehensive insurance — third-party does not cover theft. The two-wheeler theft…
Claim Process
KYC for Motor Insurance & Claims (2023 Rules) Explained: What You Need and How It Affects a Claim
KYC has been mandatory for car and bike insurance since January 2023. What documents count, how to complete it, and…
Claim Process
Stolen Car Recovered After the Insurance Claim Is Paid: What Happens (and the Buy-Back Option)
If your stolen car is found after the insurance claim is paid, who owns it? How recovery before vs after…
Claim Process
Car Theft Insurance Claim in India: The Complete Step-by-Step Process (FIR to IDV Settlement)
The complete step-by-step process to claim insurance for a stolen car in India — FIR, RTO Forms 28/29/30/35, the untraced…