1. The Personal Accident (PA) cover check
IRDAI mandates a ₹15 lakh PA cover with every motor policy — but if you already hold one, you don't have to pay for it again.
2. What add-ons is the insurer quoting?
Tap the ones you're being offered or considering — we'll show what each one actually leaves out.
Zero Depreciation / Bumper-to-Bumper
Engine Protector
Consumables Cover
Tyre Secure
Return to Invoice (RTI)
NCB Protect
Roadside Assistance
Free instant read
What to do
Insurance Reality Check Report
Your Renewal — Full Breakdown
1. Personal Accident Cover
2. Add-On Reality Check
3. What This Renewal Should Actually Cost You
The free instant read is general guidance based on standard IRDAI motor insurance rules and common insurer exclusion practice. The ₹99 report is generated for your specific case but remains procedural guidance, not legal or insurance advice — always confirm the exact policy wording with your insurer before renewing.