Travel Insurance covers a host of insurable incidents. The exact roster of instances varies from one plan to the next. But broadly speaking, here’s what you can expect a Travel Insurance plan to cover:

• Personal accident cover
• Hospitalisation expenses
• Trip delays, cancellations or interruptions
• Loss or damage to baggage checked-in
• Loss of passport 

It’s best to read the terms and conditions to know exactly what incidents your Travel Insurance plan includes.

No Claim Bonus (NCB) is your bonus for driving or riding carefully and not making a claim. You get a discount on your premium. Starting from 10% going all the way to 50%. So be careful on the road. If any claim is made, however small, the no claim bonus is lost.

No, the insurance cannot be transferred if ownership has changed for whatever reason the insurance policy automatically lapses. The new owner of the vehicle which is the subject of insurance will need to buy their own policy.