A standard motor insurance policy in India is valid for one year from the date of issuance. After this period, you need to renew your policy to continue enjoying the coverage. Some insurers now also offer long-term policies with validity for 2-3 years.

Yes, you can switch to a different insurance provider when your policy is up for renewal. Make sure to initiate the process a few weeks before your current policy expires to avoid a coverage gap. You can also transfer your accumulated No Claim Bonus (NCB) to the new insurer.

A cashless garage is a service center that has a direct partnership with your insurance company. If you get your vehicle repaired at one of these garages after an accident, the insurer will settle the bills directly with the garage, eliminating the need for you to pay upfront and then file for reimbursement.

Standard motor insurance policies typically cover factory-fitted accessories but not aftermarket additions or modifications. However, you can get coverage for these by declaring them to your insurer and paying an additional premium. Failing to disclose modifications could lead to claim rejection.

No Claim Bonus is a discount on premium that you earn for each claim-free year. It starts at 20% after the first claim-free year and can go up to 50% after five consecutive claim-free years. NCB is transferable when you change your vehicle or insurer.

Yes, you can drive someone else's insured vehicle with their permission. The insurance coverage follows the vehicle, not the driver. However, the driver must have a valid driving license and must not be in violation of any policy conditions such as driving under the influence of alcohol.