Depreciation Rate & Premium Table for general/ Car Insurance?

As I understand I suppose that the General Insurance premium tables for Auto-/Car Insurance is uniform for PSU Insurers - Is it so? Hence any PSU nonspecific insurer should be able to provide with the EXACT Value that a Car to be exact insurable & hence the Premium amount. In line with the aforesaid, why is here discrepancies in the Cover provided and the Premium amount in a arbitrary style between PSU
Insurers(is it ignorance of the staff). Can anyone share the Depreciation rate applicable, hence the Premium that should be reckoned for a Car bought in FY-2006 for which the previous Insurance have since lapsed on 24/05/2008.[P.S: This clarification is being sought in the wishy-washy of information that when a situation arises,only the
maximum permissible Official calculated (then)/eligible Cover can be claimed]
-Any professional Insurance counselors who can clarify?
Answers:
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