Maruti Insurance — reg. car damage after renewal of ins. before ending period

Address:

Vellore, Tamil Nadu, 632012

My car no. Tn23ch8667. My 1st year insurance cover up to 2/11/18 they call me renewal i renewed policy 27/10/18 with gsnesh cars. My car damage on 29/10/18. I contact ganesh cars vellore they said you have to wait for 3/11/18. You renewed u can claim 2nd year policy start. Pls clarify what is the rules regarding. Pls help me. This is not complaint. Even ganesh cars people also don't know.