Question & Answer

Ask a Question
Search for an Answer

I purchased Hyundai i10 Grand Sportz about a year ago. Due to usual wear and tear there are some scratches on front door, bonut and side morriors. Can i claim through insurance for these

Published On : Jan 31, 2015 Ayush Kumar Bhadani
Category : Insurance
Answers for this Question
No, in general, you can't claim these through insurance. However, read your offer statement, and check if your policy covers paintwork damage. In general, you can only claim insurance, when part is being replaced.
By Arun on Monday, February 2, 2015 6:14:58 PM
Ankit on Monday, February 2, 2015 11:30:41 AM
Post Your Answer
3000 Characters Left

Related Asked Questions

  • i want to know about engine insurance

    Published On :Oct 5, 2016 By Arun
    Category : Engine-types

    Does Car Insurance Cover Engine Damage?

    One of the most expensive parts of your car to repair is your engine. If it is not properly maintained and regularly checked, it may break down sooner than expected. Finding the right car insurance policy is not always easy and it can take a long time if you don’t know what you are looking for.

    If you are worried about mechanical or electrical components failing in your car then extended warranty insurance is a great option as it extends your vehicle’s cover on its mechanical and electrical components, after your manufacturer or dealer warranty has expired.

    What are The Different Types of Car Insurance?

    When you are looking for an insurance policy, it’s important to decide how valuable your car is to you.

    Third party property damage insurance is generally the cheapest type of insurance. This covers you for the damage caused by your car to other people’s property. This is commonly recommended for used cars that aren’t very valuable.

    Third party fire and theft insurance will cover the damage to your car resulting from a fire of theft and will provide coverage for damages caused to other people’s property.

    Comprehensive car insurance on the other hand can cover all of the costs associated with repairing or replacing your vehicle that is damaged in an accident, stolen, vandalised or flooded. It also covers damages to other people’s car and property that have resulted from a collision involving your car.

    When is Engine Damage Covered by Car Insurance?

    Engine damage is usually covered by car insurance under the following circumstances:

    A collision that breaks something inside the engine.
    Water damage that causes the engine to stop working.
    The engine catching fire.
    Vandalism of the engine.
    It is important to note that engine damage will only be covered under the applicable coverage that you have taken out.

    When is Engine Damage Not Covered by Car Insurance?

    If you mistreat your vehicle and cause damage to the engine that could have otherwise been prevented, you will not be covered from your insurance policy. This includes:

    The engine breaking from driving with no oil.
    The time-belt snapping causing damages to the engine.
    Mechanical parts of the engine failing.
    Wear and tear on the engine.

    In the unfortunate circumstance that your engine is not covered under your insurance policy, you can consider getting a used engine which is usually a fraction of the cost of a new engine. Be careful though and always get proof of quality from your mechanic when purchasing one. Although this has some risk involved, it can be a better alternative to a new engine, especially if your car isn’t very valuable.


    The best thing to do to maintain your engine is to check the oil regularly, get your car serviced every 10, 000 kilometres and make sure that the timing belt in your car is not worn out. Ensure that you don’t have to incur excessive costs of getting a new engine by taking care of it.

    If you are worried about high costs of repairs and replacement parts for your vehicle, consider extended warranty insurance coverage which offers considerable discounts on repairs and replacement parts.

    Make sure that you are well informed about different car insurance products for peace of mind.

  • Is Car Insurance necessary ?

    Published On :Jul 29, 2016 By Arun
    Category : Accidents

    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.

  • if last insurance paid in 2006 for 1999 model car,how much insurance amount I have to pay in 2016 for maruti zen vxi

    Published On :Jul 6, 2016 By Arun
    Category : Accidents

    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.

  • what abut service cost of verna petrol version top modal

    Published On :Jun 20, 2016 By Arun

    The top trims of Hyundai Verna petrol variant comes with the automatic transmission and manual transmission named as 1.6 VTVT AT SX and 1.6 VTVT SX OPTION respectively. Total Maintenance Cost for Hyundai Verna petrol manual variants in 6 years will cost you somewhere around INR 18,821 whereas if you buy automatic variant, it will be approximately INR 25,908 in 6 years. Please click here to find the detailed information of Hyundai Verna service cost.

  • Hi, I would like to know in case I'm buying any car which is less than one year old registration

    Published On :May 31, 2016 By Arun
    Category : Accidents




Please tell us your city

It will help us serve you better content and best deals

eg. Mumbai, Gurgaon, Delhi
My Comparison