Policy & Coverage
EV Battery Fire: What a Thermal-Runaway Total Loss Does to Your Insurance Claim
If an EV battery fire or thermal runaway writes off your car: whether it is covered, why it usually becomes…
Policy & Coverage
Make sense of your policy — No Claim Bonus, IDV, deductibles and add-ons, and the choices that affect what you pay and what you can claim.
Start with the complete guide
No-Claim Bonus (NCB) Explained: Slabs, Protection, and Transfer
NCB is a discount worth up to 50% of your own-damage premium after five claim-free years — but only on part of your bill, and one claim can…
Read the guide
Policy & Coverage
Return to Invoice (RTI): The Add-On That Pays What You Actually Paid for the Car
The Return to Invoice add-on pays your full invoice value (ex-showroom + registration + road tax) on total loss or…
Policy & Coverage
Buying or Selling a Used Car? How to Transfer the Insurance (and Who Keeps the NCB)
How to transfer car insurance when buying or selling a used car in India: the 14-day rule, why only third-party…
Policy & Coverage
EV Insurance & Claims in India: What’s Different for an Electric Car
Electric cars use the same motor-insurance framework as any car, but three things differ: the battery’s treatment at claim time,…
Policy & Coverage
Third-Party vs Own Damage vs Comprehensive Car Insurance: What Each Pays
The three levels of car insurance in India explained: third-party covers only others, standalone own-damage adds your own car, comprehensive…
Policy & Coverage
NCB After a Total Loss: Do You Keep Your No-Claim Bonus?
A total-loss claim usually wipes your accumulated No-Claim Bonus — unless you have the NCB Protection add-on. How your NCB…
Policy & Coverage
Zero Dep vs Comprehensive: Is the Add-On Worth It for Your Car’s Age?
Zero depreciation is an add-on on top of comprehensive, not an alternative. Whether the extra premium is worth it turns…
Policy & Coverage
Flood-Damaged Used Cars in India: How to Spot One — and the Insurance & Claim Risks Nobody Warns You About
Flood total-loss cars are quietly resold every monsoon, and India has no salvage title to warn you. How to spot…
Policy & Coverage
Zero-Depreciation Claim: What’s Still Deducted (and Why You Get Less Than the Bill)
Zero depreciation waives depreciation on most parts — but the deductible, consumables, tyre/battery share and claim limits still apply. What’s…
Policy & Coverage
Engine Protection Add-On (Engine Protect Cover): Do You Need It for the Monsoon?
Comprehensive car insurance covers flood damage but usually not water inside the engine. What the Engine Protection add-on covers, what…
Policy & Coverage
EV Charging & Fire Safety: What Your Insurance Actually Covers
A comprehensive policy already covers an EV fire from an accident — but water in the pack, charging surges and…
Knowledge is your best protection in a claim.
Browse our step-by-step guides and understand your rights before you act.