where should we complain regarding ur daler
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You need a car insurance because its mandatory - its the law. For any vehicle to drive on Indian roads, it must have a valid insurance policy, that at a minimum covers the cost of damage that you might cause to other people or vehicles.
Rather than have to pay from your own pocket, if you have a valid car insurance policy, the insurer will assume the liability, as long as the damage is covered under the terms of the insurance contract and there is no case of fraud.
Situations where a car insurance policy can cover costs are damages arising from an accident, theft, fire and any natural calamities like flood, earthquake, or cyclone.
Car insurance policies are valid only for a year and need to be renewed annually.
Moreover, please go through the article on "A Beginner's Guide to Car Insurance" for better understanding.
Since your car is more than 15 years old, you can get it insured through a Third Party Policy, not the Comprehensive one. Private cars older than 15 years are normally not accepted for Comprehensive cover. To accept Comprehensive cover for vehicles that are 10 to 15 years old, insurers demand an inspection report from a surveyor certifying the condition of the vehicle. Vehicles older than 10 years are normally not granted Comprehensive insurance cover. The Third Party policy, however, knows no age limit; in fact, it is a mandatory requirement.
Coming to the price/premium, we suggest you to get in touch with the insurance office or any insurance agent for better clarification.
It will help us serve you better content and best deals