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Pay less, drive safe
Financial Express Lucknow
|May 05, 2025
Slash Motor Insurance Premium By 40%
YOUR CAR'S safety is important, but that doesn't mean your insurance premium should fall into the trap of sunk-cost fallacy, where you keep paying just because you have to. You can reduce the premium by up to 40% by choosing right add-ons, optimising deductibles, and tapping into less-known discounts.
Review IDV The IDV (insured declared value) is conceived as the proxy of market value of a car. But IDV is only relevant in case of total loss.
Higher IDV means higher payout in case of total loss. Many insurers let you manually set IDV. This can reduce your premium — if your car's actual resale value is ₹4.5 lakh but IDV is set at ₹6 lakh, you could be paying ₹2,000-3,000 more annually on a comprehensive policy (15-20% jump in premium).
Bu hikaye Financial Express Lucknow dergisinin May 05, 2025 baskısından alınmıştır.
Binlerce özenle seçilmiş premium hikayeye ve 9.000'den fazla dergi ve gazeteye erişmek için Magzter GOLD'a abone olun.
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