How is Insuremile different from buying directly from an insurer?

An insurer only sells its own policies. As an IRDAI-licensed web aggregator, Insuremile lets you compare policies from multiple insurers side-by-side, understand actual cover differences, and gives you dedicated claims support throughout your policy period.

Can I transfer my existing No Claim Bonus (NCB) when renewing through Insuremile?

Yes. NCB belongs to you, not the insurer. You can transfer up to 50% NCB from your previous policy to a new insurer when renewing on Insuremile by providing your previous policy details.

What is the difference between Third-Party and Comprehensive bike insurance?

Third-Party cover is legally mandatory and covers damages or injuries caused to other people or vehicles. Comprehensive cover includes Third-Party liability plus Own Damage protection against accidents, theft, fire, and natural disasters.

Does Insuremile help with claim settlements?

Yes. Insuremile provides dedicated post-purchase claims concierge assistance. Our support team guides you through document submission, surveyor coordination, and escalations with the insurance company.

How is Insuremile different from buying directly from an insurer?

An insurer only sells its own policies. As an IRDAI-licensed web aggregator, Insuremile lets you compare quotes, add-ons, and prices across multiple insurance companies side by side. We also help you after purchase with policy endorsements, renewals, and claim assistance.

Is Insuremile IRDAI-approved and secure?

Yes. Insuremile holds IRDAI Web Aggregator license IRDAI/INTAII/BA/51/2018. Your premium goes directly to the insurance company you choose, and your policy document is issued directly by that insurer.

How do I file a claim in case of an accident?

Claims are filed with and paid directly by your insurance company. Because you bought through Insuremile, our team helps you at every step: call or WhatsApp us (+91 96065 56069), and we help you notify the insurer, find a cashless garage, and follow up until settlement.

Can I renew a lapsed policy online without vehicle inspection?

If your policy expired less than 90 days ago, you can usually renew online without an inspection and keep your No Claim Bonus. If it has been expired for more than 90 days, the insurer may ask for a quick self-inspection via photos taken on your phone.

What is Insured Declared Value (IDV) and how does it affect my motor insurance premium?

IDV is the maximum sum insured for your vehicle under a motor policy, calculated from the manufacturer's listed price minus statutory depreciation based on vehicle age. It is the maximum compensation paid by the insurer if your vehicle is stolen or damaged beyond repair. A higher IDV increases your own-damage premium slightly, while a lower IDV reduces the premium but lowers the claim payout if your vehicle is totaled.

How does No Claim Bonus (NCB) transfer work when switching insurance companies?

Your NCB belongs to you, not the vehicle or the insurer. When you switch insurers at renewal, enter your previous policy details or provide an NCB certificate from your prior insurer. The full discount (20% to 50%) carries over to your new policy.

What is Zero Depreciation cover and why is it recommended for cars and bikes?

Standard insurance deducts depreciation on replaced parts, up to 50% on plastic and rubber. A Zero Depreciation add-on removes this deduction, so the insurer pays the full cost of replacement parts during an accident repair.

How does cashless hospitalization work under health insurance plans?

At a network hospital, show your health insurance card at the insurance or TPA desk. For planned treatments, apply 48 hours before admission; for emergencies, inform them within 24 hours. Once the insurer approves the pre-authorization, they settle the bill directly with the hospital.

What is the 30-day free-look period in insurance policies?

Under IRDAI rules, you have 30 days from receiving an electronic policy to review the terms. If you decide it does not suit your needs, you can cancel it for a refund, minus a small deduction for the days you were covered and stamp duty.

Can I make changes or correct misprinted details on my active insurance policy?

Yes, through an endorsement. Simple corrections like spelling errors, address updates, or nominee changes are free with basic ID proof. Changes that affect risk, such as adding a CNG kit or updating IDV, may require a small premium adjustment.

What is Pay-As-You-Drive (PAYD) motor insurance and how does it reduce annual premiums?

Pay-As-You-Drive calculates your own-damage premium based on how much you drive each year (such as under 5,000 or 7,500 km). If you drive rarely, it can lower your premium by 25% to 40%. You track kilometers via an app or device, and you can buy additional kilometers if you exceed your limit.

Is Personal Accident cover mandatory for two-wheelers and pillion passengers under Indian law?

A ₹15 Lakh Compulsory Personal Accident (CPA) cover is mandatory for the vehicle owner-driver under Indian law. If you already have active CPA cover under another policy, you can opt out. Cover for pillion passengers is optional but recommended.

What is Return to Invoice (RTI) add-on and how does it protect new vehicle owners?

If your vehicle is stolen or damaged beyond repair, a standard policy only pays its depreciated value (IDV). Return to Invoice bridges this gap by paying the original on-road purchase price, including road tax and registration charges. It is available for vehicles up to 3 to 5 years old.

Are AYUSH (Ayurveda, Unani, Siddha, Homeopathy) treatments covered under health insurance policies?

Yes. Per IRDAI guidelines, health insurance policies cover in-patient AYUSH treatments up to the sum insured, provided the care takes place at a government-recognized or accredited AYUSH hospital.

What is the difference between cashless claims and reimbursement claims?

In a cashless claim, the insurer settles repairs or hospital bills directly with network garages and hospitals. In a reimbursement claim, you pay upfront at a non-network facility, then submit your bills and documents to the insurer to get paid back, usually within 10 to 14 business days.

How does Insuremile protect policyholders against fake calls and fraudulent renewal links?

We only process payments through official insurer payment gateways. We never ask you to transfer money to personal UPI or Google Pay accounts, and our team verifies renewal notices directly with the insurer if you receive a suspicious call.

Car Insurance

Car Insurance Online: Compare Quotes & Renew

Car insurance online: Compare quotes and renew with Insuremile. Comprehensive car insurance and zero-depreciation cover protect your vehicle against collisions, theft, fire, and natural calamities, alongside mandatory third-party liability.

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Car-specific Add-ons

Extras that matter on four wheels.

01
Zero Depreciation add-on for 100% parts replacement value
02
Engine Protection cover for water-logging and oil-leakage damages
03
Return to Invoice (RTI) payouts for total loss or theft cases

Coverage Options

Three ways to insure your car.

Third-party Liability

Legally mandatory. Pays for injuries or property damage you cause to others -- your car is not covered.

Comprehensive Cover

Full protection. Covers your car against accidents, theft, fire, floods, and third-party claims in one policy.

Own Damage Only

Covers repairs to your car without third-party liability. Buy this if your TP policy is already active separately.

Car Policy Types

Tailored motor insurance for every four-wheeler.

Third-Party Car Insurance

Fulfills legal mandate under Indian motor laws. Protects against third-party death, bodily injury, and property damage claims.

Comprehensive Car Insurance

Complete protection against accident repairs, total loss, vehicle theft, natural disasters (floods, cyclones), and malicious damage.

Pay-As-You-Drive (Usage Based)

Ideal for low-mileage drivers. Uses telemetry or odometer readings to offer up to 40% discount on annual own-damage premiums.

Top Car Add-ons

Protect your four-wheeler against costly repair bills.

01
Zero Depreciation RiderEliminates out-of-pocket costs on fiber, glass, rubber, and metal spare parts during accident repairs.
02
Hydrostatic Lock Engine ProtectCovers expensive engine overhaul expenses caused by water ingress during monsoon flooding.
03
Return to Invoice (RTI) CoverEnsures full invoice reimbursement (including road tax and registration fees) in case of theft or total loss.
04
Key & Lock ReplacementReimburses costs for replacing lost or stolen smart car keys and lock assemblies.
05
Consumables CoverPays for engine oil, coolant, brake oil, nuts, bolts, and screws consumed during accident repairs.

Claim Support

Seamless cashless repair workflow.

Notify Insuremile via app or phone within 48 hours of an accident or vehicle damage.

Our Commitment

Need Help Choosing?

Talk to our Customer Success team. We'll help you compare garage networks, understand deductibles, and protect your four-wheeler.

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