Having spent over a decade inside insurance companies, Anand is more than qualified to know how things work and how to manage your claims if you ever make any. Note that he provides a very personal service, and I STRONGLY suggest you follow his lead in any dealings with insurance companies. Theirs is a service they try to hold back, and as I have learned, they can often be ‘tricksters’ in getting you to exempt yourself from their service. Be careful and follow Anands advice, through his own experience of being on that side, he knows what they are up to. Good luck.