Inform insurance company if repairing car at an unauthorised garage
Without a survey of vehicle, it will become difficult for the insurer to admit the claim and assess the loss
Can I claim insurance even if my car is not repaired at an authorised garage? Since I needed my vehicle in a hurry I could not go to the authorised garage. –Biren Gupta
Yes, you can get the vehicle repaired even at unauthorised garage. However, you need to make sure that you intimate the claim to your insurance company and get your vehicle surveyed before dismantling the vehicle for repairs. Without a survey of vehicle, it will become difficult for the insurance company to admit the claim and assess the loss.
We have a family floater policy and we have paid premiums for more than three years. My husband was diagnosed with cancer and had to undergo chemotherapy for a year and a half. The insurance covered it. Now he needs to undergo immunotherapy for another year and a half, but the company is saying it is not covered under our policy. We have submitted the doctor's letter saying the treatment is essential. What can we do? – Jyothika Sunder
Every health product is governed by the policy terms and conditions filed with the regulator. Hence, the admissibility of claim will be as per the terms and conditions of the policy you are covered under. It is better to go through the policy wordings and also represent to the grievance cell of the insurance company.
Shreeraj Deshpande, principal officer and CEO (officiating), Future Generali India Insurance
Send your queries related to life insurance to personalfinance@dnaindia.net