Guys, my insurance is due in November 2010. Please suggest which I need to opt. My current insurance is from Future Generali and I've taken claim twice so far. Ex-showroom price has been increased by around 31K. I am not sure weather old ex-showroom value or new ex-showroom value or value in insurance paper would be considered by insurance company. I think depreciation should be calculated on new ex-showroom value as this can give current actual value.