Further, there are no restricting conditions/provisions in a private car comprehensive package policy that prohibits driving of a vehicle by any person other than the insured
My relative often borrows my car for his outdoor trips. In case, while driving, if my car meets with an accident then, in that case, can I claim the insurance on it?
– Sanjay Bhanushali
Yes, one can lodge a claim in such a scenario. The motor tariff allows the usage of private cars for social, domestic and pleasure purposes, and so there is nothing wrong if the vehicle was provided to a friend or a relative and the insured himself/herself was not driving at the time of the accident. Further, there are no restricting conditions/provisions in a private car comprehensive package policy that prohibits driving of a vehicle by any person other than the insured. However, it is important to ensure that the person driving the car has a valid driving license, is in a stable mental condition and is not under any heavy medication or influence of prohibited substances such as alcohol. Finally, at the time of claim, one must state details in the claim form with respect to the name of the driver and his driving license correctly.
I will be traveling to Europe in October. As an insurer, what is the one travel insurance advice you would like to give
– Ameesha Damani
You should buy an insurance policy from a legitimate source or visit the website of any general insurance company that offers travel insurance online. It's easy and simple to get a policy that matches your requirements. Always go for a reputed insurer who has a good record of claim servicing. Please also check if the policy you are purchasing meets the minimum requirement for the grant of a visa to the specific country of travel (Schengen Visa).
Shreeraj Deshpande, principal officer, Future Generali India Insurance
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