Frequently Asked Questions

Add-ons like Zero Depreciation, Roadside Assistance, Engine Protection, and NCB Protection enhance your basic policy.

It ensures full claim without deducting the depreciation value on parts replaced during repairs.

Yes, NCB can be transferred when you buy a new vehicle or switch to a different insurer.

Post 90 days of expiry, No Claim Bonus (NCB) lapses as per IRDAI rules. A fresh proposal may be needed, subject to inspection.

Customers are advised to compare policies on the IRDAI website or consult with licensed POSPs for informed decisions.

Yes, most insurers allow this at renewal, but it may come with a fresh waiting period for the increased amount.

Basic policies usually don’t cover them unless explicitly mentioned or available through add-ons.

These plans provide additional coverage once a certain deductible amount is crossed and are cost-effective for higher cover.

You’ll need to pay upfront and file for reimbursement later, with all necessary documents.

​Yes, many insurers offer specialized plans for senior citizens with higher entry age limits and modified waiting periods. Customers should compare options on the insurer’s website or consult IRDA-licensed advisors.

No, under Section 10(10D) of the Income Tax Act, the payout is tax-free.

Disclaimer: Subject to prevailing tax laws. Tax benefits are as per Section 10(10D) of the Income Tax Act and may change.

Yes, NRIs are eligible to buy term plans from Indian insurers subject to certain conditions.

Yes, nominees can be updated anytime during the policy term by informing the insurer.

The policy will lapse after a grace period and you’ll lose the coverage.

Pre-existing medical conditions may increase your premium or lead to exclusions in the policy.

No, becoming a POSP typically doesn’t require investment—just training and certification. Training must be completed through an IRDA-authorized entity.

Commission varies by product and insurer but can be a significant percentage of the premium.

Yes, you receive an IRDAI-approved POSP certificate after successfully completing the training and test.

Disclaimer: POSP services are subject to IRDAI guidelines and insurer-specific terms.

This depends on your agreement; some companies allow multi-insurer POSPs, others require exclusivity.

We provide training, digital sales tools, marketing material, and backend support to help you succeed.

From policy purchase to claim settlement, our digital-first approach ensures quick, paperless, and transparent transactions — saving you time and effort.

Get the best value for your money with customizable plans, discounts for no-claim bonus (NCB), loyalty rewards, and affordable premiums for all segments.

Renew, buy, track claims, or chat with support — all in a few clicks via our mobile app and web portal. Anytime, anywhere service.

Our Point of Sales Persons (POSPs) offer personalized advice and doorstep service, helping you choose the right coverage for your specific needs.

We maintain a strong claim support system and work with insurers known for favorable claim settlement experiences. Claim settlement is subject to insurer policy terms and conditions.

Whether it's cashless garages for vehicle repairs or empaneled hospitals for health claims, we have you covered across a vast service network.

One-stop destination for Motor, Health, Term Life, Property, Travel, and Personal Accident insurance — everything you need, simplified.