Claims
How to Claim Car Insurance in India Without Getting It Cut or Rejected
Claims punish you for doing things in the wrong order. Here is the right order, from the accident to the payout, and what to do if the insurer pays too little.
Car insurance guides
Short, practical explanations of how car insurance works in India, written for car owners rather than insurance professionals.
Renewal & NCB
Car Insurance Renewal: What to Check Before You Press Pay
Wrong NCB, a quietly cut IDV, add-ons you never asked for. Fifteen minutes with this checklist once a year catches all of them.
Coverage & Add-ons
Car Insurance Add-ons: Which Ones Are Worth Paying For?
Some add-ons save you lakhs, some duplicate cover you already have. Here is who actually needs each one, and a sensible pack for new and older cars.
Claims
Should You Claim Car Insurance for a Small Dent or Scratch?
For small damage, claiming often costs more than it pays once you count the NCB you lose. Here is how to decide in five minutes, with a real example.
Coverage & Add-ons
Is Zero Depreciation Cover Worth It? What It Pays and What It Doesn't
Zero dep can add thousands to a claim payout on a newer car. It also has claim limits, age limits and exclusions most people find out about too late.
Claims
Why Your Insurer Paid Less Than the Garage Bill: Depreciation Explained
Most claim shortfalls come from depreciation written into your policy. Here are the exact rates on each part, a worked bill, and how to spot a deduction that is wrong.
Claims
Compulsory vs Voluntary Deductible: Is the Discount Worth It?
A voluntary deductible is a bet that you will not claim. Here is exactly how much it saves, how much it costs you on a claim, and who should take it.
Renewal & NCB
How No Claim Bonus Works (and the Ways People Lose It)
Five claim-free years can take 50% off your own-damage premium. Here is how NCB grows, what wipes it out, and how to carry it to your next car.
Coverage & Add-ons
Is Third-Party Car Insurance Enough, or Do You Need Comprehensive?
Third-party cover keeps you legal and protects other people. It pays nothing for your own car. Here is when that is enough and when it is a risky saving.