Motor insurance is mandatory, but buying the cheapest policy often leads to problems later.

✅ What to Check Before Buying

• Type of policy: Always prefer comprehensive cover over third-party only
• IDV (Insured Declared Value): Should reflect the actual market value
• Cashless garage network: Wider network = smoother repairs
• Useful add-ons:
  • Zero depreciation
  • Engine & gearbox protection
  • Roadside assistance

⚠️ Common Motor Insurance Loopholes

❌ Low premium shown by lowering IDV
A lower IDV reduces your claim amount in case of total loss.

❌ Important add-ons skipped to reduce price
Many buyers realize too late that engine damage or plastic parts are not covered.

❌ Claim rejection due to technical reasons
Delay in intimation, missing documents, or policy wording is often used to deny claims.

👉 Expert tip:
Choose motor insurance based on claim service and coverage, not just premium.