I have a query on claiming insurance. Please correct me.
My insurance for swift is due for renewal and I am planning for zero dep insurance from ICICI which comes to 7K and basic insurance comes to 5.2K.
I have some dent/scratches in body already and recently I got scratched with a tempo traveler on right rear side. But luckily there is no dent in the rear door, but paint has gone in half of the door.
Coming to my question:
1. will this my recent damage can be claimed under my new zero dep policy without paying anything from my pocket ?
2. can I paint/repair the old damages (small dent/scratch) with re-paint when question 1 is accepted by insurer ?
Guys, could you please clarify my questions. Based on the answers I have to renew my insurance.