Motor
Private car, two-wheeler and commercial vehicle. We compare on claim experience and garage network, not only on premium.
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Most policies fail their owner at claim time for reasons that were visible on the day of purchase. We read those terms out before you buy.
The first question is not which policy. It is how much cover your family would actually need, and for how long.
We size it from your outstanding liabilities, your dependants’ years to independence, and the income that would have to be replaced. The number is usually larger than people expect — and a pure term plan is usually how to reach it affordably.
A unit-linked plan bundles insurance with investment. That bundle suits a minority of people and is sold to a great many more, because it pays the distributor considerably better than term cover does.
For most households, a term plan plus a separate mutual fund is cheaper, more transparent and easier to exit. We say this knowing it reduces our own commission.
Where a ULIP genuinely fits — a long horizon, a need for the tax treatment, and no intention of surrendering early — we will show you the post-charge numbers and let you decide.
A policy with a room-rent cap can cut a claim by forty per cent, and almost nobody is told that at the point of sale.
Here is how it works: if your policy caps the room at 1% of sum insured and you take a room above it, the insurer reduces every associated cost proportionately — surgeon, anaesthetist, investigations, the lot. The shortfall is yours.
We arrange individual, family floater, super top-up and senior-citizen cover, and we will review a policy you already hold without any obligation to switch.
Vehicles, premises, stock and professional liability — for households and businesses alike.
Private car, two-wheeler and commercial vehicle. We compare on claim experience and garage network, not only on premium.
Structure and contents, fire and allied perils, burglary, and plate glass for retail premises.
Fire, marine transit, professional indemnity, and group health for your employees.
Selling a policy is the easy part. The test is the day you have to use it.
One call or message to your adviser. We confirm what is covered and what the insurer will ask for before you start.
Claim form, bills, discharge summary, investigation reports — checked for the gaps that cause rejections.
We chase the claims desk and respond to queries on your behalf until the settlement is released.
A 15-minute conversation, a soft-check eligibility view across our lender panel, and an honest answer — including when the answer is “not yet, and here is why”.