Motor Insurance Optimised
Precision tuning of IDV, add‑ons & depreciation exposures. We deploy a layered add‑on matrix to balance premium discipline with high‑impact claim recovery value.
High‑Impact Add‑Ons
Focus on actual claim recovery uplift over marketing noise.
Zero Depreciation
Eliminates part depreciation deduction on plastics, fibre & metal – maximising repair settlement. Best ROI for cars under 5–7 years.
Engine Protect
Covers hydrostatic lock & consequential internal engine damage excluded normally. Vital in water‑logging zones or flooding seasons.
Return to Invoice (RTI)
Bridges IDV vs on‑road price gap for total loss / theft – ensures full financial reinstatement to original cost bracket.
NCB Protector
Preserves accumulated No Claim Bonus after limited number of losses – protects future premium reduction trajectory.
Consumables Cover
Pays for oils, screws & similar items excluded under standard terms; beneficial where labour + parts ratio is high.
Roadside Assistance
Towing, minor mechanical, battery jumpstart & emergency fuel – ensures continuity & reduces incidental out‑of‑pocket.
Add‑On Value Matrix
Indicative value vs average incremental premium outlay (illustrative).
High Impact Priority
Zero Dep • RTI (new cars) • Engine Protect (flood prone) – material difference in event heavy damage / total loss arises.
Selective Context
NCB Protect (if 35%+ bonus) • Key Loss • Tyre Protect (low profile tyres). Evaluate usage pattern & risk geography.
Convenience Optional
Roadside • Consumables • Daily Allowance – choose for comfort rather than absolute payout leverage.
IDV Calibration
Maintain IDV close to realistic market value – not excessively low (under‑insurance risk) nor inflated (unnecessary premium).
Claim Filing Strategy
Small cosmetic claims may erode NCB value-economics; run cost vs bonus retention analysis before lodging.
Workshop Selection
Authorize repairs at quality cashless workshop first, then escalate assessor disparities early via documented matrix.
Advisory & Claim Sequence
A structured pathway enhances payout accuracy & turnaround.
Vehicle Profile
Age, usage intensity, parking risk, flood map & parts cost baseline.
IDV & Add‑Ons
Value curve modelling & claim impact sensitivity selection.
Placement
Quote analytics – net of loading, hidden excess, claim service rating.
Endorsements
Ownership / address corrections & hypothecation accuracy audit.
Accident Assist
Spot documentation, photo log, towing & FIR / intimation guidance.
Settlement Review
Assessment variance, depreciation check & salvage negotiation.
Motor Insurance FAQs
Answers to frequent optimisation queries.
Does higher IDV always mean higher settlement?
Claim settlements are capped by assessed market value. Over‑inflated IDV may raise premium without proportionate payout increment. Balanced calibration is key.
Is NCB lost if I claim consumables?
Yes any own damage claim typically impacts NCB unless protected by an NCB protector add‑on & within allowed claim count. Evaluate quantum vs retained discount.
RTI vs GAP cover difference?
Return to Invoice bridges IDV to original invoice / road price. GAP (less common retail) may cover financed amount shortfall. Selection depends on depreciation & loan tenure.
When skip zero depreciation?
Older vehicles (higher age threshold per insurer) or where IDV is nearing salvage decision band may not justify the additive cost—calculate average expected depreciation retention.
How fast to intimate claim?
Immediate / within policy specified window (often 24–48 hrs). Delayed intimation risks repudiation or deduction for late reporting. We issue quick action checklist.
Renewal or New Purchase? Get a Precision Audit
Upload current schedule & last claim bill – receive a concise variance sheet: IDV delta, add‑on ROI, hidden excess & workshop rating.
- Quote analytics dashboard
- Negotiated add‑on bundles
- Claim escalation support
- NCB preservation strategy
- Transparent fee framework
Motor insurance features vary by insurer. Add‑on availability & definitions subject to policy wording. Always read terms. Past claim experience is indicative, not a guarantee.