Best way to deal in case where SUV is damaged with insurance expired

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Last Comment 2023-05-24

shriAyodhya

2023-05-22

HI Guys my car insurance expired on 18 May and I got a dent on 21 May.

I was suppose to be renewing it on today ( Monday).

What options do I have ? anyway to avoid losses ?

what is the best way to deal in this case? Go to official Kia service centre or try to fix it in local shop.

Not sure if Kia will charge a bomb .

Also i have to get the new insurance , please suggest .

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https://www.desidime.com/discussions/best-way-to-deal-in-case-where-suv-is-damaged-with-insurance-expired?page=1#post_9288043

BigAdmin

2023-05-22

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For break in renewals they will ask for video survey. If you can manage to pass that then you can raise claim after 1 month.

https://www.desidime.com/discussions/best-way-to-deal-in-case-where-suv-is-damaged-with-insurance-expired?page=1#post_9288397

bikidas2060

2023-05-22

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try to fix it in local shop.🤐🤐🤐

https://www.desidime.com/discussions/best-way-to-deal-in-case-where-suv-is-damaged-with-insurance-expired?page=1#post_9288398

bikidas2060

2023-05-22

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Btw, why did you let your insurance to get expired! You are supposed to renew it before it gets expired!

https://www.desidime.com/discussions/best-way-to-deal-in-case-where-suv-is-damaged-with-insurance-expired?page=1#post_9288412

shriAyodhya

2023-05-22

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I was busy in Wedding activities in my home. Completely forgot.
It was a mistake from my side

https://www.desidime.com/discussions/best-way-to-deal-in-case-where-suv-is-damaged-with-insurance-expired?page=1#post_9289330

ontherocks

2023-05-22

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After 18th 12:00 AM, the insurance company is not liable for anything. Your next insurance will now be a fresh new insurance. You will loose your NCB.

Its better to get quotes from Kia and local shops and compare. If not much of a difference get it done at Kia.

https://www.desidime.com/discussions/best-way-to-deal-in-case-where-suv-is-damaged-with-insurance-expired?page=1#post_9290609

guest_999

2023-05-23

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Does non-life/general insurance not follow the 30 days grace period after any policy expiry?

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https://www.desidime.com/discussions/best-way-to-deal-in-case-where-suv-is-damaged-with-insurance-expired?page=1#post_9289417

Budhe-Baba

2023-05-22

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You have Kia carnival?

https://www.desidime.com/discussions/best-way-to-deal-in-case-where-suv-is-damaged-with-insurance-expired?page=1#post_9289453

shriAyodhya

2023-05-22

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Seltos

https://www.desidime.com/discussions/best-way-to-deal-in-case-where-suv-is-damaged-with-insurance-expired?page=1#post_9290659

aam_aadmi

2023-05-23

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If dent is not of a large magnitude, it is always better to get it done outside insurance, otherwise the amount you lose due the cancellation of no-claim bonus may be higher then your denting painting costs

https://www.desidime.com/discussions/best-way-to-deal-in-case-where-suv-is-damaged-with-insurance-expired?page=1#post_9291034

shriAyodhya

2023-05-23

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I had reliance motor insurance, they are asking for survey for renewal Kia service centre gave a quotation of 45k Gomechanic in BLR is asking 19k+part cost Local guys is quoting 20k Not sure what to do ? Does anyone know any reliable trusted service providers in BLR for car repair Can I get insurance renewed after getting it fixed locally Will there be any issue if I claim next time using insurance