Policy & Coverage
Car Insurance Add-ons Worth Paying For (and Which to Skip)
A comprehensive policy leaves real gaps — depreciation, engine exclusions, IDV-not-invoice. Add-ons patch them, but you don't need all of…
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
IDV Explained: How It’s Calculated and Why Higher Isn’t Always Better
IDV quietly decides what you pay and what you get if your car is written off — and "set it…
Policy & Coverage
EV Car Insurance in India: How It’s Different (Battery, Fire, Charging)
"Electric cars are cheaper to insure" is half true — and the other half can cost you. A claims professional…
Policy & Coverage
Is the EV Battery Covered by Insurance in India? What You Actually Need to Know
The battery is 40-60% of your electric car's value - so is it covered? A claims professional explains what insurance…
Policy & Coverage
Insuring an Older Car in India: How Claims, IDV and Cover Change With Age
How car insurance changes as your car ages in India: falling IDV, easier write-offs, zero-dep limits, and the comprehensive-vs-third-party decision…
Policy & Coverage
New Car Owner in India? What Every First-Timer Should Know Before the First Claim
New to car insurance in India? Third-party vs comprehensive, the 3-year rule for new cars, NCB from year one, and…
Knowledge is your best protection in a claim.
Browse our step-by-step guides and understand your rights before you act.