K G Krishnamoorthy Rao, managing director and CEO, Future Generali India Insurance, answers insurance queries.

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Irdai's push will make insurance cheaper for consumers and enable a consolidated view of all policies.

'It is important to ensure that the person driving the car has a valid driving licence, is in a stable mental condition and is not under any heavy medication or influence of alcohol,' says K G Krishnamoorthy Rao, MD and CEO, Future Generali India Insurance.