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Pratik Devang17 Aug 2026

Motor Insurance IDV: Why the Highest Value Is Not Always the Right Choice

When renewing motor insurance, many vehicle owners focus on the premium and the Insured Declared Value, or IDV. A higher IDV may look better because it suggests a higher insurance value for the vehicle. But IDV should not be treated as a number to maximise without understanding what it actually does. It is mainly relevant to certain types of claims, especially where the vehicle is stolen or suffers damage severe enough to be treated according to the policy's total-loss provisions. What Is IDV

Blog5 min read

Motor Insurance

Pratik Devang15 Aug 2026

Motor Insurance No Claim Bonus: What Happens When You Make a Claim?

A claim-free year can reduce the cost of renewing the own-damage portion of your motor insurance. This benefit is commonly called a No Claim Bonus, or NCB. However, NCB is often misunderstood. It is not a reward attached permanently to the car, and it does not mean every claim will automatically wipe out every benefit. Understanding how it works can help you make better decisions when handling minor vehicle damage and renewals. What Is No Claim Bonus? A No Claim Bonus is a renewal benefit th

Motor Insurance2 min read

Motor Insurance

Pratik Devang14 Aug 2026

Zero Depreciation Motor Cover: What Does “Zero Dep” Actually Pay For?

A bumper crack, damaged headlamp or dented body panel can result in a repair bill that looks straightforward. Yet the amount payable under a motor insurance claim may be lower because depreciation can apply to replaced parts. A zero depreciation add-on can reduce some of this difference, but it does not mean every rupee of a repair bill will automatically be paid. What Is Zero Depreciation Cover? Zero depreciation cover is an optional motor insurance benefit that may reduce or remove depreci

Motor Insurance2 min read

Blog

Pratik Devang13 Aug 2026

EV Insurance: Are the Battery, Charger and Electrical Components Covered?

For an electric vehicle owner, the battery can represent a significant part of the vehicle's value. This makes one question particularly important when reviewing motor insurance: what exactly happens if the battery or electrical system is damaged? An EV is still a motor vehicle, but its risk profile includes expensive electrical components, charging equipment and damage scenarios that may need closer attention. What Is EV Insurance? EV insurance generally refers to motor insurance covering a

Blog2 min read

Home Insurance

Pratik Devang12 Aug 2026

Home Insurance Underinsurance: Why Insuring a ₹1 Crore Flat for ₹1 Crore May Be Wrong

When people think about insuring a home, they often begin with the market value of the property. If a Mumbai flat is worth ₹1.5 crore, they may assume the insurance amount should also be ₹1.5 crore. But property insurance may focus on the reconstruction value of the building and the value of insured contents, rather than the land value or resale price of the property. What Is Underinsurance in Home Insurance? Underinsurance occurs when property is insured for less than the value that should

Home Insurance2 min read

Page 12 of 18 · 86 blogs

Latest Articles

News, industry explainers and claim stories from across insurance.

Retail Health

Pratik Devang27 Aug 2026

The Super Top-Up Deductible, Explained With a Normal Hospital Bill

Super top-up health insurance can provide a large amount of additional coverage for a relatively affordable premium. However, the policy does not begin paying from the first rupee of every hospital bill. It starts paying only after eligible medical expenses cross the deductible stated in the policy. Understanding who will fund that deductible is essential before buying the cover. What Is a Super Top-Up Policy? A super top-up policy provides additional health insurance after eligible medical

Retail Health3 min read

Retail Health

Pratik Devang26 Aug 2026

Why the Room Rent Line Can Change Your Entire Health Claim

When comparing health insurance policies, many people focus mainly on the sum insured. A policy with ₹10 lakh or ₹20 lakh of coverage can look reassuring, but another line in the policy may significantly affect how much of a hospital bill is actually payable: the room rent condition. The room you choose during hospitalisation may influence more than the room charge itself. Depending on the policy wording, a room rent restriction can also affect certain related hospital expenses. Understanding t

Retail Health4 min read

Retail Health

Pratik Devang24 Aug 2026

Health Insurance Waiting Periods: What They Mean Before You Need a Claim

Buying a health insurance policy does not always mean that every medical condition becomes covered from the first day. Some treatments, illnesses or pre-existing conditions may be subject to a waiting period before related claims become eligible under the policy. This is especially important for first-time buyers and people switching or upgrading health insurance. A policy can have a high sum insured, but if a particular condition is still within its waiting period, the related claim may not be

Retail Health5 min read

Retail Health

Pratik Devang22 Aug 2026

Cashless Health Insurance Claims: What Approval Actually Means

A cashless health insurance facility can make hospitalisation easier because eligible expenses may be settled directly between the insurer or its claims administrator and a network hospital. But many policyholders misunderstand what “cashless approved” actually means. Cashless approval does not mean the entire hospital bill is automatically covered. Room rent restrictions, co-pays, deductibles, exclusions, non-medical expenses and other policy conditions may still affect the final amount. Wha

Retail Health4 min read

Retail Health

Pratik Devang22 Aug 2026

Health Insurance Sub-Limits: Why Your ₹10 Lakh Cover May Not Apply Fully to Every Treatment

A health insurance policy may show a sum insured of ₹10 lakh, ₹20 lakh or more, but that does not always mean the full amount is available for every type of treatment or expense. Some policies contain sub-limits, which place a separate cap on particular benefits, procedures or categories of expenses. These limits can affect the amount payable during a claim, especially when the cost of treatment is much higher than the policy's specified cap. Understanding sub-limits before buying or renewing c

Retail Health4 min read

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