Health, motor, property, marine, liability — compared, not assumed.
Placed across our panel of insurers rather than sourced from a single carrier, and sized to what a claim in each category would actually cost you.
- IRDAI-registered
- Insurance Marketing Firm, Reg. No. IMF10800620260983
- Panel of insurers
- Placed across multiple reputed companies, not one
- Risk assessed first
- Cover sized before a product is named
- Claims supported end-to-end
- Documentation to settlement
The lines we place
- Health insurance
- individual, family floater, top-up and super top-up. Assessed on room-rent limits, sub-limits, waiting periods, day-care coverage, restoration and network hospitals in your city, not on premium alone.
- Motor insurance
- private car and two-wheeler, own-damage and third-party. Where the difference between policies is add-ons: zero depreciation, engine protection, return-to-invoice, roadside assistance.
- Property and fire insurance
- buildings, plant, stock and contents, against fire, allied perils and natural catastrophe. Sized on reinstatement value, not book value.
- Marine and transit insurance
- goods in transit, single-voyage and open cover for businesses moving stock.
- Liability insurance
- public, product and professional indemnity, for exposure that does not show up on a balance sheet until it does.
Category by category
Health: family composition, ages, existing conditions, the hospitals you would actually use, and the real cost of a serious admission in your city.
Motor: usage, vehicle value, claim history, which add-ons are worth their premium for your driving pattern.
Property: reinstatement cost, occupancy, location hazard, business interruption exposure.
Liability: contract obligations, client requirements and worst-plausible-case quantum.
Wordings, not just premiums
Two health policies at the same premium can behave completely differently in a hospital. Room-rent capping alone can cut a settlement substantially. We read the exclusions, sub-limits and waiting periods, put the material differences side by side, and let you choose with the differences visible.
Three recurring mistakes
Choosing health cover on premium alone.
Sub-limits and room-rent caps do more damage to a settlement than most people expect.
Insuring property at book value.
Depreciated value will not rebuild anything. Reinstatement cost will.
Assuming a sum insured set five years ago is still adequate.
Medical inflation and construction costs have moved. The policy has not.
Straight answers
Is a top-up worth it, or should I just raise the base cover?
Often a base plus super top-up gives you a much higher effective ceiling for less premium than raising the base alone. Whether it suits you depends on your ability to absorb the deductible. We will model both.
Are motor add-ons worth the money?
Some are, for some vehicles and some drivers. Zero depreciation on a new car usually earns its premium; the same add-on on an ageing vehicle often does not. It is an arithmetic question, and we will do the arithmetic.
Do you handle renewals of policies I bought elsewhere?
Yes. Renewal is a natural point to check whether the cover still fits — and frequently it no longer does.
Talk to an adviser about general insurance.
Bring your current policy documents and we will read the wordings with you before anything is recommended.
Or call +91 73582 79926 · Mon–Sat, 9.30am–6.30pm IST