Compare more than the final premium
Ask for a written quotation with its component costs. Place it beside the policy wording so that you can see what is included and what is optional.
- What insured declared value (IDV) is being used?
- What deductible or contribution would you pay on a claim?
- Which exclusions or vehicle-use restrictions apply?
- What repair network and claim assistance does the insurer offer?
- Which add-ons have been selected, and what conditions apply to each?
Make a comparison sheet
Create a column for each quotation and a row for each question above. Leave unanswered fields blank and ask for clarification rather than assuming that two similarly named products are identical.
Before giving your approval
Check the vehicle and owner details, dates, selected options and contact information on the proposed documents. Keep the final version, not just a screenshot of the price.
Looking for liability-only cover? See third-party insurance. Already insured? Start with our renewal checklist.
Further reading: IRDAI motor insurance guidance. Your insurer’s current policy wording, schedule and endorsements take precedence over this general introduction.
An enquiry is not an insurance application or confirmation of cover. Do not upload identity documents or payment details through this website.