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
How motor claims are settled — total loss, theft, parts depreciation, deductibles — and how to protect your No Claim Bonus.
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
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
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
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…
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…