Does rupee depreciation have any impact on insurance wrt to premium values or accessibility?
Rupee depreciation does not have an impact on insurance premiums. Insurance premium pricing is more to do with amount of claim paid vs premium collected, over all risk underwritten and inflation.
From what I understand, it may not impact in short term. In the long term though, it may have an impact but not direct. The reason being reinsurance companies, especially the foreign players may hike/lower their premiums (one of the factors being the rupee/dollar ratio), thereby impacting individual premiums.