INSURANCE FAQ
Clear answers before you make a decision.
Common questions about cover, renewals, claims, commercial vehicles and documents — explained in practical language.
Frequently Asked Questions
Clear answers for yourinsurance questions
Motor, health, commercial vehicle, property, renewals and claims explained in simple language.
01General InsuranceWhich types of insurance does Vimawallah assist with?+
Which types of insurance does Vimawallah assist with?
Car, bike, commercial vehicle, health, property and suitable business insurance requirements, along with renewals and claim guidance.
02General InsuranceCan I compare quotations from different insurers?+
Can I compare quotations from different insurers?
Available options can be compared on premium, coverage, add-ons, policy conditions and insurer availability before you decide.
03Motor InsuranceWhat is the difference between Third Party and Comprehensive insurance?+
What is the difference between Third Party and Comprehensive insurance?
Third Party mainly covers legal liability toward others. Comprehensive can also cover eligible own-vehicle damage, subject to policy terms, exclusions, deductibles and selected add-ons.
04Motor InsuranceWhat is Zero Depreciation cover?+
What is Zero Depreciation cover?
It is an optional add-on that may reduce depreciation deductions on eligible replaced parts during an admissible claim. Conditions vary by insurer and vehicle age.
05Motor InsuranceWhat is NCB?+
What is NCB?
No Claim Bonus is a discount on own-damage premium earned for an eligible claim-free policy period, subject to insurer rules.
06Motor InsuranceCan an expired vehicle policy be renewed?+
Can an expired vehicle policy be renewed?
Yes, but inspection, photographs or additional verification may be required depending on insurer rules and the break period.
07Motor InsuranceCan insurance be transferred after selling a vehicle?+
Can insurance be transferred after selling a vehicle?
The insurance record should be updated after ownership transfer. Applicable endorsement and documents should be completed within the required timeline.
08Motor InsuranceDoes Comprehensive insurance cover flood, fire and theft?+
Does Comprehensive insurance cover flood, fire and theft?
Eligible losses from flood, fire, theft and listed perils may be covered, subject to policy wording, exclusions and claim assessment.
09ClaimsWhat should I do immediately after an accident?+
What should I do immediately after an accident?
Prioritise safety, seek medical help if needed, take clear photographs, note third-party details and inform the insurer promptly. Police reporting may be required depending on the incident.
10ClaimsWhat is a cashless claim?+
What is a cashless claim?
At an authorised network garage, eligible approved repair cost is settled between insurer and garage. The customer may still pay deductibles and non-payable items.
11ClaimsDoes Vimawallah guarantee claim approval?+
Does Vimawallah guarantee claim approval?
No. Final claim approval is decided by the insurer according to policy terms, documents, survey findings and applicable rules. We assist with guidance, documentation and follow-up.
12Commercial VehicleDo you assist with commercial vehicle insurance?+
Do you assist with commercial vehicle insurance?
Yes, for eligible pickup, taxi, goods and passenger vehicles, subject to registration, permit, fitness and insurer requirements.
13Health InsuranceDo you assist with health insurance?+
Do you assist with health insurance?
Yes. Suitable individual and family options can be reviewed based on age, medical history, sum insured, waiting periods and insurer terms.
14Property InsuranceCan shops, homes, offices and godowns be insured?+
Can shops, homes, offices and godowns be insured?
Suitable property policies may cover eligible building, contents, stock, machinery and specified risks. Correct values and risk details are important.
15ServiceWhere are Vimawallah branches located?+
Where are Vimawallah branches located?
The main branch is in Dhanera and the second branch is in Tharad, Gujarat.
16ServiceHow can I contact Vimawallah?+
How can I contact Vimawallah?
Use the WhatsApp buttons on this website, call our team or visit the Dhanera or Tharad branch.
Still have a question?
Ask on WhatsAppSpeak directly with the Vimawallah team
Get clear guidance based on your actual policy and requirement.
This is general guidance. Final coverage, premium, claim decision, exclusions and conditions depend on the issued policy and insurer terms.