9 Ways to Reduce Your Motor Insurance Premium in 2025
Updated: December 18, 2025•6 min read•By MK INSURE Motor Desk
Keep in Mind: Insider Tips
- Deductibles: Voluntary deductibles are great for safe drivers, but if you claim often, they can backfire. Choose wisely!
- IDV Balance: Setting your Insured Declared Value too low means smaller payouts—don’t let savings cost you coverage.
- NCB Magic: One claim without an NCB Protector and your bonus vanishes. Protect it and watch your savings grow year after year!
Premiums can stay low without cutting essential protection! Apply these smart tactics before your next renewal and watch your savings grow!
Smart Savings Checklist
Renew early to avoid inspection and keep NCB intact
Bundle zero-dep + engine protect instead of buying separately
Right-size IDV to market value—avoid over-insuring
Install ARAI-approved anti-theft devices for discounts
Opt for voluntary deductible if you drive low mileage
Avoid small claims that wipe NCB savings
Add-Ons Worth Paying For
Must-Haves
- Zero Depreciation
- Engine Protect
- NCB Protector
Nice-to-Haves
- Roadside Assistance
- Consumables Cover
- Key/Lock Replacement
Want a lower premium without losing cover?
We'll optimize IDV, add-ons, and NCB so you pay less and stay fully protected at renewal.