Raj Insurance Consultancy · Since 1995
Dhanera · TharadWhatsApp
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.

01
General Insurance
Which types of insurance does Vimawallah assist with?
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Car, bike, commercial vehicle, health, property and suitable business insurance requirements, along with renewals and claim guidance.
02
General Insurance
Can I compare quotations from different insurers?
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Available options can be compared on premium, coverage, add-ons, policy conditions and insurer availability before you decide.
03
Motor Insurance
What is the difference between Third Party and Comprehensive insurance?
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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.
04
Motor Insurance
What is Zero Depreciation cover?
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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.
05
Motor Insurance
What is NCB?
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No Claim Bonus is a discount on own-damage premium earned for an eligible claim-free policy period, subject to insurer rules.
06
Motor Insurance
Can an expired vehicle policy be renewed?
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Yes, but inspection, photographs or additional verification may be required depending on insurer rules and the break period.
07
Motor Insurance
Can insurance be transferred after selling a vehicle?
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The insurance record should be updated after ownership transfer. Applicable endorsement and documents should be completed within the required timeline.
08
Motor Insurance
Does Comprehensive insurance cover flood, fire and theft?
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Eligible losses from flood, fire, theft and listed perils may be covered, subject to policy wording, exclusions and claim assessment.
09
Claims
What should I do immediately after an accident?
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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.
10
Claims
What is a cashless claim?
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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.
11
Claims
Does Vimawallah guarantee claim approval?
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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.
12
Commercial Vehicle
Do you assist with commercial vehicle insurance?
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Yes, for eligible pickup, taxi, goods and passenger vehicles, subject to registration, permit, fitness and insurer requirements.
13
Health Insurance
Do you assist with health insurance?
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Yes. Suitable individual and family options can be reviewed based on age, medical history, sum insured, waiting periods and insurer terms.
14
Property Insurance
Can shops, homes, offices and godowns be insured?
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Suitable property policies may cover eligible building, contents, stock, machinery and specified risks. Correct values and risk details are important.
15
Service
Where are Vimawallah branches located?
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The main branch is in Dhanera and the second branch is in Tharad, Gujarat.
16
Service
How can I contact Vimawallah?
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Use the WhatsApp buttons on this website, call our team or visit the Dhanera or Tharad branch.
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This is general guidance. Final coverage, premium, claim decision, exclusions and conditions depend on the issued policy and insurer terms.