Two-Wheeler Insurance
How Two-Wheeler Insurance Premium Is Calculated: cc Slabs, OD and TP
A two-wheeler premium has five parts. Here is how each is calculated — with worked examples for a scooter, a 350cc motorcycle…
IDV & Motor Insurance Guides
Plain-English explainers on IDV, depreciation, No Claim Bonus, add-on covers, claims and renewals — with worked examples in rupees.
Two-Wheeler Insurance
Bike IDV Explained: How Two-Wheeler IDV Is Calculated
Motorcycles and scooters use the same IDV rules as cars, but theft risk makes the number matter even more. Here is how…
Car Insurance
Buying a Used Car? How IDV, NCB and Insurance Transfer Work
The seller's policy can move to you — but their No Claim Bonus can't. Here is how IDV, NCB and insurance transfer…
Car Insurance
IDV and Insurance for Electric Cars: Battery, Charger and Premium Explained
EVs follow the same IDV rules as petrol cars — with a few important differences around the battery, charger and third-party premium.
Car Insurance
Third-Party vs Comprehensive vs Standalone Own-Damage Car Insurance
Three policy types, three very different levels of protection. Here is what each covers, what the law requires and how to choose.
Car Insurance
How IDV Affects Your Car Insurance Premium (With Real Numbers)
IDV drives the own-damage part of your premium. Here is how much it really moves the price, compared with NCB, engine size,…
IDV Guides
Do Accessories and CNG Kits Increase IDV? What’s Included and Excluded
Fitted a music system, alloys or a CNG kit? Here is how they affect your IDV, why they must be declared, and…
IDV Guides
IDV vs Ex-Showroom, On-Road and Market Value: What’s the Difference?
Ex-showroom, on-road, IDV and resale value are four different numbers. Here is how they connect — and which one decides your insurance…
IDV Guides
IDV for Cars and Bikes Older Than 5 Years: How It Is Decided
After five years there is no fixed depreciation rate. Here is how insurers set the IDV of older vehicles and how to…
IDV Guides
High IDV vs Low IDV: Which Should You Choose?
A lower IDV makes the premium look cheaper. Here is what it really saves, what it can cost you, and how to…
IDV Guides
IDV Depreciation Rates Explained: The Age-Wise Schedule and How Slabs Work
The 5%-to-50% depreciation schedule decides your IDV every year. Here is exactly how the slabs work, where the boundaries fall and what…
IDV Guides
How to Calculate IDV of a Car or Bike: Step-by-Step With Examples
A practical, step-by-step method to calculate your vehicle's IDV yourself — with four worked examples and the mistakes that throw the number…