Renewal & Buying
How to Compare Car Insurance Quotes Without Being Fooled by Low IDV
The cheapest quote is often cheap because its IDV is lower. Here is a five-step method to compare quotes on what you…
Alex
Renewal & Buying
Car Insurance Renewal Checklist: 10 Things to Check Before You Pay
Ten quick checks that make sure your renewal gives you the right cover at a fair price — and doesn't leave a…
Add-on Covers
Engine Protection, Consumables, RSA and Other Add-ons: Which Ones Matter
Add-ons can double the protection of a basic policy — or just double the price. Here is what each common add-on does…
Add-on Covers
Return to Invoice (RTI) Cover: Closing the Gap Between IDV and Invoice
On theft or total loss, IDV can be lakhs below what you paid. Return to Invoice cover pays that difference. Here is…
Add-on Covers
Zero Depreciation Cover: Is It Worth the Extra Premium?
Zero-dep can cut your share of a repair bill from thousands of rupees to just the deductible. Here is how to tell…
Claims & NCB
Compulsory vs Voluntary Deductible: How Much You Pay on a Claim
Every claim has a compulsory deductible, and you can choose a voluntary one for a discount. Here is how both work and…
Claims & NCB
Depreciation on Car Parts in a Claim: Metal, Plastic, Glass and Paint
Why your insurer doesn't pay the full garage bill: the standard depreciation rates on parts, how paint is treated, and a fully…
Claims & NCB
Should You Claim for Minor Damage? The Claim-vs-Pay Maths
A small claim can cost more in lost No Claim Bonus than it pays out. Here is how to work out your…
Claims & NCB
No Claim Bonus (NCB) Explained: Slabs, Transfer and Protection
NCB can halve your own-damage premium. Here is how it is earned, how it is lost, how to move it to a…
Claims & NCB
Car or Bike Stolen? How the Theft Claim Is Settled at IDV
A step-by-step guide to vehicle theft claims in India — from the FIR to the untraced report — and how the payout…
Claims & NCB
Total Loss and Constructive Total Loss: How IDV Decides Your Payout
When repairs would cost more than 75% of the IDV, your vehicle is treated as a total loss. Here is how the…
Two-Wheeler Insurance
Long-Term Two-Wheeler Insurance: How IDV Works Over 5 Years
New two-wheelers come with five years of third-party cover. Here is how IDV, own-damage renewals and NCB work across that period.