Vehicle Insurance

Term, health, and vehicle insurance — what to buy, what to avoid, and how to get the best coverage without overpaying.

• Zero Depreciation vs Standard Car Insurance: The Numbers — Insurers deduct depreciation on repaired parts — 30–50% for older cars. Zero dep add-on eliminates this, but costs 15–20% more. Is it worth it?
• IDV in Car Insurance: The Number That Decides Your Claim Payout — Most Indians accept the IDV on their renewal quote without checking. That one oversight can mean a shortfall of several lakhs in a theft or total-loss claim. Here's how IDV works and how to set it right.
• Car Insurance Renewal Online 2026: NCB, IDV, and Add-Ons — The Complete Checklist — Most people pay their renewal quote without checking three things: whether the NCB slab is correct (year-three is 35%, not 33%), whether the IDV reflects today's ex-showroom price, and whether the add-ons they're paying for match how they actually drive. Here is the checklist.
• Two-Wheeler Insurance India 2026: Third-Party vs Comprehensive — What You Actually Pay — Third-party two-wheeler insurance is mandatory under the Motor Vehicles Act, and IRDAI's own tariff sets what every insurer must charge by engine capacity — currently ₹538/year below 75cc, rising to ₹2,804/year above 350cc. Comprehensive cover usually adds only ₹500–1,500/year more, but the value of that gap depends entirely on the IDV depreciation schedule and whether you add zero-depreciation cover. Here is how the numbers actually work for a bike or scooter, not a car.
• Engine Protect Cover in Car Insurance 2026: Worth It for Monsoon and Flood Damage — Your comprehensive car insurance covers accidents, theft, and fire — but not the one thing that wrecks the most cars every monsoon: water in the engine. Hydrostatic lock from driving through a flooded street is filed under 'consequential loss,' a standard exclusion most policyholders never read until their claim is denied. Here's what Engine Protect cover actually pays for, what it costs, and who genuinely needs it.
• Pay-As-You-Drive Car Insurance India 2026: How Usage-Based Discounts Actually Work — If your car spends most of the year parked in a society lot, you're paying the same own-damage premium as someone who drives it to work every day. IRDAI's usage-based insurance framework fixes exactly that mismatch — but the discount only works out in your favour below a specific mileage line. Here's how the kilometre slabs, telematics, and add-on-back conversion actually work.
• EV Insurance India 2026: How It's Different From Petrol Car Insurance — Battery Cover, IDV, and GST — An EV qualifies for the same Motor Vehicles Act insurance framework as a petrol car on paper — but the battery pack, not the engine, decides the real cost of cover. Skip the wrong add-on, and the single most expensive part of the car sits outside what your policy actually pays.
• Car Insurance Claim Rejected? 7 Reasons Motor Insurance Claims Get Denied in India (2026) — A comprehensive car insurance policy doesn't guarantee a paid claim — insurers reject a meaningful share of motor claims every year, and most rejections trace back to one of a handful of avoidable causes: an expired or wrong-category licence, an undeclared modification, a late intimation, or a lapsed policy at the time of the accident. Here's exactly what gets a claim denied, and what IRDAI's 2024 rules now stop insurers from doing.
• Two-Wheeler Insurance Add-Ons India 2026: Zero Depreciation, Engine Protect, and Which Ones Are Worth the Premium — A comprehensive two-wheeler policy still applies depreciation to parts, excludes water-damage engine seizure as a standard exclusion, and pays only the shrunk IDV on a total loss — three specific gaps that add-ons exist to close. Not every rider needs every one of them, and a couple only work in a bike's first few years. Here's what Zero Depreciation, Engine Protect, Return to Invoice, Consumables, and NCB Protection each actually pay for, what they cost, and which combination fits your bike.
• Bike Insurance Renewal After a Lapse (India 2026): NCB Loss, Inspection Rules, and What Stays Covered — A two-wheeler with a mandatory 5-year third-party policy can still be riding around with zero cover for its own damage — because the third-party half and the annual own-damage half expire on completely different clocks, and only one of them silently lapses every year. Here's what actually stops working when bike insurance lapses, and what renewal takes to fix.