Renewing your car or bike insurance? Find out if you're being double-charged for mandatory Personal Accident cover, and see exactly what your zero-dep / bumper-to-bumper add-ons don't cover — before you pay.
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.
Ready-to-send PA opt-out declaration letter, filled with your details
Add-on-by-add-on breakdown of what's NOT covered, for your exact vehicle age
A worth-it / skip-it verdict on each add-on you're being offered
Estimated total savings this renewal
Downloadable as a PDF
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Insurance Reality Check Report
Your Renewal — Full Breakdown
1. Personal Accident Cover
Your Opt-Out Declaration Letter
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.
3. Estimate My Premium — Free
Third Party premium is fixed by IRDAI and identical at every insurer, so that part is exact. Own Damage premium is NOT regulated — every insurer prices it differently — so we show that as a range, not a fake-precise number.