Insurance Consultation
Don’t just choose a policy — understand it first. Talk through your requirement, get a policy reviewed, or plan a renewal with clearer information.
Insurance can involve coverage limits, exclusions, deductibles and waiting periods
Those four things decide how a policy behaves when you actually need it. Our consultation-first approach is built around them, so you understand the important details relevant to your requirements before committing to anything.
There is no obligation to buy anything through us, and no charge for the initial consultation on individual and family requirements.
Four Consultations Under One Roof
Pick the one that matches where you are.
Insurance Requirement Discussion
Start with what you actually need - a vehicle, a family, a business or a specific worry - and get an explanation of the coverage options that relate to it.
Existing Policy Review
Bring the policy you already hold. We look at coverage, exclusions, deductibles, waiting periods, sums insured and nomination, and explain what it means.
Renewal Consultation
Renew with information: the NCB position, whether sums insured or IDV need revising, what has changed in your requirement and what to watch in the wording.
Business Consultation
A structured look at business exposures across property, transit, liability, employees and vehicles - mapped against the policies you already run.
Existing Policy Review
You do not have to have bought a policy through CoverBima to have it reviewed. Bring the schedule and the wording, and we will go through:
- Whether the cover still matches what you need it to do
- Exclusions, deductibles and sub-limits that may reduce a payout
- Sum insured, IDV or cover amount against current values
- Waiting periods — completed and remaining
- Nominee and personal details being up to date
- Renewal timing, so a break in cover is avoided
Renewal Consultation
Renewals are the cheapest moment to fix a policy — and the most expensive moment to miss a detail. We look at:
- The No Claim Bonus position and what a claim would cost you
- Whether sums insured or IDV should be revised upwards
- Changes in your requirement in the last year
- Add-ons worth keeping, dropping or adding
- Motor inspections where the cover has lapsed
- Starting the process before the due date, not after
Business Consultation
A structured discussion of business exposures rather than a product list. Typically covering property and fire, marine and transit, liability, group health for employees and commercial vehicles, along with the asset and document discipline that keeps a claim smooth.
What to Keep Ready
- Policy schedule or policy number, if you already have cover
- Renewal notice or expiry date
- Basic details — vehicle make and model, ages of family members, business locations
- Any specific question you want answered first
Nothing here is compulsory. If you do not have the papers, a consultant can still tell you what to look for.
Book a Consultation
Share the basics and a consultant will contact you at your preferred time.
- Response during office hours: Mon to Sat, 10:00 AM - 6:30 PM IST
- Discussion on phone, WhatsApp or email - your choice
- No obligation to purchase, and no fee for individual and family consultations
Questions Before You Decide?
Ask the assistant, or ask a consultant.
The chat assistant answers common insurance questions instantly. When you want a view on your own policy, a consultant takes over.
Straight Answers.