All guides

What the main motor add-ons pay, their usual conditions, and a worked break-even for zero depreciation, engine protection, return to invoice, consumables and NCB protection.

A line-by-line breakdown of an Indian car insurance renewal premium, from the third-party rate and IDV-based own-damage premium to NCB, add-ons and 18% GST.

What liability-only, standalone own-damage and comprehensive motor policies cover in India, who each suits, the cost difference with a worked example, and common mix-ups.

Why every motor policy carries a ₹15 lakh owner-driver PA cover, what it pays, when you may drop it at renewal, and how it differs from passenger and paid driver cover.

How EV insurance differs in India: third-party rates banded by motor kW, IDV including the battery pack, battery and charger add-ons, flood risk and a worked renewal example.

How Insured Declared Value is worked out from the listed price and age slab, how it changes your premium and total-loss payout, and how to choose IDV at renewal.

The 20% to 50% NCB slabs on own-damage premium, how a claim resets them, the 90-day renewal window, NCB on switching insurer, and what does and does not count as a claim.

The notified third-party premium rates for private cars, two-wheelers and EVs, the long-term TP rule for new vehicles, what TP cover pays and how to check revisions.

A dated, step-by-step car insurance renewal checklist for India, from NCB and RC details to comparing quotes, paying safely and checking the new policy on Vahan.

When paying a dent or scratch repair yourself beats claiming in India: the NCB you lose over five years, the deductible and depreciation, with a worked break-even and a quick rule.

A full worked comparison of an Indian renewal notice against two online quotes, adjusting for IDV, NCB, zero dep, deductibles and claim-time cost, with the arithmetic shown.

What happens legally and financially when Indian motor insurance lapses, how break-in renewal and vehicle inspection work, and how to keep your NCB within 90 days.

How long-term motor policies and IRDAI's pay-as-you-drive, pay-how-you-drive and multi-vehicle floater options work, with worked figures for low-mileage owners and the catches.

How motor insurance transfers to a buyer under section 157, why the NCB stays with the seller, how to get an NCB reserving letter and use it on a new car, with worked figures.

How two-wheeler insurance renewal works in India: 5-year TP for new bikes, standalone OD renewals, TP rates by cc, IDV for scooters and motorcycles, add-ons and a worked comparison.

How compulsory and voluntary deductibles work in Indian motor policies, the typical discount scale and caps, a break-even worked example, and who should keep it at zero.

The common reasons Indian motor insurance claims are rejected or cut: lapsed cover, licence, drunk driving, private-for-hire use, undeclared CNG kits, late intimation and deductions.

How an own-damage motor claim works in India: intimation, FIR, survey, cashless repair at a network garage or reimbursement, theft and total-loss claims, documents and timelines.

The standard depreciation rates applied to parts in Indian motor OD claims, how paint, glass, batteries and tyres are treated, and a full claim settlement worked step by step.

The escalation route for a rejected or delayed car insurance claim in India, with time limits, the ₹50 lakh Ombudsman limit, consumer commission thresholds and a sample complaint outline.

What happens when your vehicle injures someone or you are hit by another vehicle: MACT claims, section 164 no-fault amounts, hit-and-run compensation, cashless treatment and the insurer's role.

How to check a motor policy is real and recorded on Vahan, spot fake-policy and agent scams, check an IRDAI-registered insurer or intermediary, and which official portals to use for what.