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

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.

try to fix it in local shop.🤐🤐🤐

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

bikidas2060 wrote:

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

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

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. 

You have Kia carnival? 

Budhe-Baba wrote:

You have Kia carnival? 

Seltos

ontherocks wrote:

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. 

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

guest_999 wrote:
Does non-life/general insurance not follow the 30 days grace period after any policy expiry?

During the grace period, the policy continues to be active; however, you are not covered against damages to the car or third-party liabilities. While you cannot raise claims, you continue to enjoy the benefits of NCB during the grace period.

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

aam_aadmi wrote:

During the grace period, the policy continues to be active; however, you are not covered against damages to the car or third-party liabilities. While you cannot raise claims, you continue to enjoy the benefits of NCB during the grace period.

@ontherocks That means no new policy no. will be generated & ncb will continue to be there on renewal during grace period.

aam_aadmi wrote:

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

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

You have grace period if you renew from the same insurer.  Do that asap.