1Third-Party Part — Fixed by IRDAI
The Third-Party premium is the same at every insurance company — it is fixed by IRDAI by engine capacity (cc) for cars and bikes, and by weight or seats for commercial vehicles. You cannot get a "cheaper" Third-Party price anywhere else.
2Own-Damage Part — Where Prices Differ
- IDV — your vehicle's insured value, which falls as it gets older
- Vehicle make, model and fuel
- No Claim Bonus — up to 50% off after five claim-free years
- Add-ons such as Zero Depreciation or Engine Protect
- Insurance Company — this is the part we compare for you
3Your Town Doesn't Change It
Outside India's big metro cities, every town is in the same motor-insurance premium zone — so in Guwahati, Dibrugarh, Jorhat or anywhere in Assam, the price depends on your vehicle, not your town.
4How to Pay Less — Safely
- Keep your No Claim Bonus — avoid small claims and renew on time
- Choose only the add-ons that make sense for your vehicle's age
- Compare insurance companies every renewal — we do this for you
- Don't under-declare IDV to save money — you get less at claim time