Motor Insurance Renewal Guide: Save More in 2025
Renew smartly to cut premiums and upgrade protection! Here's how to avoid lapses, leverage NCB, and add the right covers. Save big on your renewal!
Pro Renewal Tips
Keep Zero-Dep Protection
Don't drop zero-dep if you plan to keep the car. The savings from full claim coverage outweigh the premium difference.
Bundle OD + TP Together
Combined Own Damage + Third Party policies usually offer better pricing than buying them separately.
Avoid Duplicate Add-Ons
Check if add-ons overlap (e.g., RSA from manufacturer). Don't pay twice for the same coverage!
Renewal Checklist
Renew 2 weeks before expiry to prevent inspection and higher premiums
Preserve No-Claim Bonus (NCB) with NCB Protector add-on
Switch to a better insurer if claim support or network garages are weak
Add zero-dep + engine protect for cars under 7 years old
Update IDV to match market value; avoid both over- and under-insurance
When to Switch Insurers
Switch Now If
- Cashless approvals are slow or frequently denied.
- Nearby network garages are limited.
- Premium jumped sharply despite no claims.
Stay If
- Claims were handled quickly and transparently.
- Good spread of cashless garages near you.
- Renewal quote is competitive with add-ons included.
Want the best renewal quote?
We'll preserve your NCB, add the right covers, and fetch cashless-friendly quotes from top insurers.