Car, two-wheeler and commercial vehicle insurance from 8 partner insurers — claim ratios, NCB, IDV all on one screen.
We show what the IDV should be for your car's market value, not what the insurer wants to lowball you with so the premium looks cheap.
Zero-dep, RTI, engine protect, consumables — we tell you which actually help and which are upsell margin for the insurer.
We track the claim with you until disbursal. If the partner stalls, we escalate to IRDAI's IGMS — most aggregators stop at sale.
Indicative figures. Actual offer depends on your profile. Praarabdh is a Data Fiduciary under the DPDP Act, 2023.
Insured Declared Value — the max amount the insurer will pay if your car is stolen or totalled. It's set at the start of every policy year and depreciates with vehicle age.
Yes if your car is under 5 years old or premium > ₹15 L. Insurer pays 100% of part-replacement cost without depreciation deduction — savings on a single dented bumper claim usually justify the add-on for years.
No-Claim Bonus is a discount on Own-Damage premium for each claim-free year. Starts at 20% after year 1, maxes out at 50% after year 5. You keep the NCB even when switching insurers — bring the renewal notice.
No mid-tenure switch on Motor — but at renewal you can move freely. We compare 8 insurers before renewal so you don't auto-renew at a 15% higher rate (which is what happens by default with most insurers' renewal mailers).
One short form. We compare the panel for your profile. A real Praarabdh advisor calls within 48 hours.
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