Hi sir Actually I want to ask insurance claim....

It is not possible to allow the insurance company to announce the terms of the insurance document. You can file a complaint against the insurance company. The complaint is submitted to the insurance agency. You will search the complaint and issue the appropriate decision. You can submit the complaint through its website: 
the insurance authority
Before submitting a complaint, you must review the insurance document, in order to ensure that there is no provision allowing the insurance company not to pay the insurance amount if an accident occurs and the driving license is expired.