About

Gaadi Bima Ganit is an independent information site about renewing and comparing motor insurance for private cars and two-wheelers in India. It is written for owners who want to understand what a renewal notice actually contains before they pay: the third-party premium, the own-damage premium and IDV, the No Claim Bonus, add-ons, deductibles and GST.

We explain how premiums are built, show worked comparisons with the arithmetic laid out, and describe the rules in the Motor Vehicles Act, 1988 and IRDAI regulations that affect renewals and claims. Each guide names the official source to check, such as IRDAI, the Ministry of Road Transport and Highways, Parivahan, the Insurance Ombudsman or the consumer commissions.

We do not sell insurance, are not an insurer, broker or web aggregator, and do not rank or recommend insurers. Rupee figures for own-damage premiums and add-ons are illustrative examples, not quotes. Commercial vehicles, taxis and fleet policies are not covered in detail. Rules can change; always confirm the current position with the insurer's policy wording and the official sources before you buy or make a claim.

How this site is made

Gaadi Bima Ganit is an independent information project. Guides are drafted with the help of AI writing tools and checked against official and primary sources before publication; see our Editorial Policy. We are not affiliated with any provider mentioned on the site and do not sell products or services.