Insurance questions, answered plainly

It meets the legal requirement and pays for damage you cause to other people or their property. It does not pay for damage to your own vehicle, or for theft. Comprehensive cover adds those, which is why most people with a newer vehicle choose it.

Usually the vehicle registration certificate (RC), your previous policy, and an ID proof. If the policy has already expired, the insurer may inspect the vehicle before renewing, and we guide you through it and help you arrange it at your location.

Insured Declared Value (IDV) is the most the insurer will pay if your vehicle is stolen or damaged beyond repair. It reduces as the vehicle ages. Setting it too low reduces your claim, and setting it too high raises your premium, so we help you choose a fair figure.

It is a discount on the own-damage part of your premium for every claim-free year. It belongs to you, not the vehicle, so it can move with you when you change your vehicle or insurer. It is usually lost if the policy is allowed to lapse for too long, so renew on time.

Usually yes, but you have no cover during the gap, the insurer may ask for a vehicle inspection, and your no-claim bonus may be lost. Call us as soon as you notice the date has passed.

At a network hospital, the insurer pays the hospital bill directly, up to your policy limits, and you pay only for items not covered. Away from network hospitals, you pay first and claim a reimbursement.

Most health policies do not cover certain conditions for an initial period. Common examples are a short waiting period for new illnesses, and a longer one for pre-existing conditions and specific treatments. The exact periods differ from plan to plan, and we show you these before you buy.

A floater covers the whole family under one sum insured that any member can use, and is usually cheaper for young families. Individual policies give each person their own sum insured, which suits parents or people with health conditions. We help you pick based on ages and needs.

Yes. Health policies can be ported to another insurer at renewal, and waiting periods you have already served are generally carried across for the existing sum insured. Apply well before your renewal date, and we can help compare the options.

Yes, always. Hiding a condition, even by mistake, is one of the most common reasons a claim is rejected later. It is better to declare everything and choose a plan that fits.

Premiums paid may qualify for a deduction under Section 80D of the Income Tax Act, depending on the tax regime you choose. Please confirm your own position with a tax advisor.

It covers loss or damage to your building, machinery, furniture and stock from fire, lightning, explosion and other listed perils. Add-ons can extend it to flood, storm, earthquake, riot and strike damage.

If your sum insured is lower than the real value of what you are covering, the insurer can pay only a proportion of the loss. Review your sum insured every year, and after renovation or when stock grows.

Usually proof of forced entry, a police report, and records of the stock or items lost. Keep purchase bills and stock registers up to date, and follow the security conditions in your policy.

Sometimes, depending on the insurer and the value insured. We tell you beforehand what they will check, such as the building, stock and security, and we guide you through the inspection.

Make sure everyone is safe, then call us. Take clear photos of the vehicles and the spot, note down the other party's details, and do not send the vehicle for repair before the insurer or surveyor has been informed. In case of theft, injury or major damage, a police report may also be needed. We guide you at each step.

For a planned admission, tell us and the insurer before you are admitted, so cashless approval can be arranged. In an emergency, inform the insurer as soon as possible, usually within 24 hours. Keep all bills, reports and discharge papers.

The usual reasons are an under-stated sum insured, undisclosed medical history, late intimation of the claim, or a policy condition such as a room-rent limit or co-pay. We check these with you before you buy so they do not surprise you later, and we help you respond if the insurer raises a query.

It depends on the type of claim and how quickly complete documents reach the insurer. Sending the right documents the first time is the best way to avoid delay, and we follow up with the insurer until it is settled.

Trustara is a general insurance advisory in Mysuru, run by insurance professionals with 5 years of experience. We help you choose motor, health, fire and burglary cover, and we guide you through claims.

We arrange policies from all major general and health insurers, so you are not limited to one company's plans.

No. The premium is decided by the insurer for the plan you choose. You pay the same whether you buy directly or through us, and you also get advice and claim support.

We are in Mysuru, Karnataka. Call or message us any day of the week, and we will help you by phone and WhatsApp.

Always pay directly to the insurer through their official payment link or website. Never pay premiums to a personal account, and never share an OTP or card PIN with anyone.

We ask only for what is needed to prepare a quote: your name, mobile number and basic details about the vehicle, person or property. We do not sell or share your data for marketing. Trustara will never ask you for an OTP, card PIN, CVV or net-banking password. If anyone asks for these in our name, do not share them, and contact us on our official number.