Learn Before You Decide.
KNOWLEDGE REPOSITORY
Core Insurance Guides
Insurance Basics
Understand insurance terms and fundamentals.
Buying Guide
Learn what to check before buying.
Renewal Guide
Review your protection before renewal.
Claims Guide
Understand how claims work.
Fraud Awareness
Learn how to identify suspicious insurance communications.
Checklists
Use simple checklists at important insurance moments.
AI Assistant
Ask questions and get help understanding insurance.
GI Council Motor Insurance & Official IDV Calculator
Calculate official statutory Insured Declared Value (IDV) and review IRDAI / GI Council motor guidelines.
FAQS
Frequently Asked Questions
Which insurance policy should I buy for my vehicle?
Third-party insurance is legally mandatory in India and covers injury or damage you cause to others, but it does not cover repairs to your own vehicle. Comprehensive insurance includes third-party liability plus own-damage protection for accidents, theft, fire, and natural disasters. If your vehicle is relatively new, adding Zero Depreciation cover avoids out-of-pocket deductions on replaced parts. On Insuremile, you can compare third-party and comprehensive plans across insurers to pick what fits your vehicle and budget.
What is the difference between Third Party and Comprehensive cover?
Third-party cover is the legal minimum required to drive on Indian roads. It pays for injury, death, or property damage suffered by third parties in an accident, but pays nothing for damage to your own vehicle. Comprehensive cover includes third-party liability and pays for damage to your own vehicle from road accidents, theft, fire, and floods. Because insurers price own-damage cover differently, comparing quotes on Insuremile helps you find the best value for your vehicle.
Do I need to submit KYC documents again at renewal?
Usually no, provided your details haven't changed. Insurers verify policyholder identity through the Central KYC (CKYC) registry. When you renew on Insuremile, the chosen insurer checks your CKYC record automatically. You only need to upload fresh documents if your address or identity details have changed, or if your prior policy did not have completed CKYC. We only process verification through official insurer channels.
Will I lose my No Claim Bonus (NCB) if I transfer to a new insurer?
No. Your No Claim Bonus belongs to you as the vehicle owner, not to the insurer or the vehicle. When you switch insurance companies at renewal through Insuremile, your accrued discount (from 20% up to 50%) transfers to your new policy. Simply enter your prior policy details and confirm you had no claims during the previous policy year; the new insurer verifies this and applies the discount directly.
What should I do immediately after an accident?
First check that everyone is safe. Take clear photos and videos of the damage, vehicle positions, and registration plates before moving the vehicles. Next, notify your insurance company promptly to register the claim and get a claim reference number, as all claims must be filed directly with the insurer. If you bought through Insuremile, contact our claims desk (+91 96065 56069)—we will help you locate the nearest cashless garage and guide you through the insurer's paperwork.
SECURITY & TRUST
Protect Yourself Against Insurance Scams
Genuine communications from Insuremile will never request payments on personal UPI handles or unverified third-party links. Always verify links before authorizing any transaction.