Can I take two policies and get claims under both of them?

 In case of an indemnity cover (one that seeks to compensate the actual loss )–for instance, a policy that covers property, if there are two  policies in vogue, the loss shall be shared by both the policies. In no case can an insured get more than the actual pecuniary loss he or she has incurred. On the other hand, in respect of benefit policies like the Personal Accident policy, where a fixed compensation is paid, no matter what the actual loss is , one may obtain more than one policy.