Dear bros, my car would turn 1yr old on 5th may 2015. I am having Future Generali general insurance which would expire on 4th March 12AM. I need your suggestion regarding my insurance. I have claimed my insurance twice , and my claims were handled well on time , and I am not having any negative to say about Future Generali, so I am planning to continue with the same insurance again. I would like to know : 1. What is zero depreciation insurance ? and what claims can be entertained with this policy ? ( my Hyundai i10 friend was told to pay Rs2000 on insurance claim for side body dent, even though having a zero dep policy.) 2. What are any add-ons I should opt for in the insurance policy ? (I have read in news papers, Kotak insurance provides car keys insurance , is this an ad-on I could chose ? ) 3. What is third party insurance ? 4. If driver A causes damage to driver B’s car, can driver A’s insurance company pay for drive B’s damaged car caused my driver A ??