Buy fresh or renew — for car, bike, or commercial vehicle. We compare premium across 12+ insurers and get you the best deal — usually 15-25% cheaper than direct pricing.
Mandatory by law to have at minimum third-party. We help you decide if comprehensive is worth it for your situation.
Add-ons cost 10-25% extra but can save you lakhs at claim time. Here are the ones we strongly recommend.
Why: Standard claims reduce by 30-50% due to depreciation on plastic/metal parts. Zero dep ensures full repair cost is covered. Cost: +15% premium. Worth it: Yes, for cars under 5 years.
Why: If car is totalled/stolen, insurer pays current depreciated value (IDV). RTI pays you back the original invoice price. Cost: +5%. Worth it: Yes, for cars under 3 years.
Why: Standard policy doesn't cover engine damage from water ingression, oil leakage. Big risk in monsoon. Cost: +₹1,000-2,000. Worth it: Yes, especially in flood-prone areas.
Why: Even if you claim once, your No-Claim Bonus (up to 50% discount) stays intact. Cost: +₹500-1,000. Worth it: Yes, if you have NCB above 25%.
Why: Engine oil, nuts/bolts, brake fluid replaced during accident repair aren't covered standard. Cost: +₹500. Worth it: Optional, but useful.
Why: Towing, jump-start, flat tire, fuel delivery, locksmith — free anywhere in India. Cost: +₹300-500. Worth it: Yes, very cheap insurance.
Every claim-free year gives you a discount on next year's premium. NCB is transferable when you change insurer.
| Claim-Free Years | NCB Discount | Save on ₹10,000 Premium |
|---|---|---|
| 1 year | 20% | ₹2,000 saved |
| 2 years | 25% | ₹2,500 saved |
| 3 years | 35% | ₹3,500 saved |
| 4 years | 45% | ₹4,500 saved |
| 5+ years | 50% | ₹5,000 saved |
Pro tip: For small dents/scratches under ₹5,000, pay from pocket to preserve NCB. The discount you save is worth more long-term.
From phone call to claim settlement, we manage everything. You just get your vehicle repaired.
Within 24 hours of accident. WhatsApp photos of the damage. We initiate claim.
For theft, third-party injury, or major accident — we guide you on filing FIR.
Insurer's surveyor inspects in 24-48 hrs. We coordinate at network garage.
Cashless at network garage. Or reimbursement in 7-15 days at your garage.
Send us your vehicle details on WhatsApp. We send back 3-5 best quotes within 15 minutes.