Every year at car insurance renewal time, the same question comes up: should I add zero depreciation cover? The insurer’s agent says yes (obviously — it increases the premium). Your neighbour who once had a claim says yes. The internet gives you a 50-word answer that doesn’t actually tell you anything. Here is the honest … Read more
This question comes up in every car-buying conversation eventually: ‘Should I take a car loan or just put it on a personal loan?’ The answer is not as simple as ‘car loan is always better’ — even though that’s what most bank executives will tell you, partly because car loans are easier to process. The … Read more
Your car is in the garage, the repair estimate is Rs 80,000, and your insurer just sent a rejection letter. This is one of the most frustrating experiences an Indian car owner can face. The rejection may feel final. It almost certainly isn’t. Indian insurance law gives policyholders significant rights to challenge rejections. The IRDAI … Read more
Nobody expects to have a car accident. Which means almost nobody knows exactly what to do in the minutes and hours after one happens. That gap — between not knowing and knowing — is what costs Indian car owners lakhs of rupees in rejected or reduced claims every year. This guide covers the complete car … Read more
The 30 minutes immediately after a car incident are the most important for how your insurance claim resolves. Most claim complications – delayed settlements, reduced payouts, and outright rejections – trace back to something that was done or not done in those first 30 minutes. Understanding the process before you need it is the only … Read more