When it comes to car insurance, most people focus only on the premium amount — how much they’re paying every year.
But the truth is, a cheaper policy isn’t always a better policy.
Many car owners realize this only during a claim — when they face hidden conditions, delays, or low settlements.
At Anuja Solutions, we help customers make smart, informed choices.
Here’s how you can protect yourself by staying alert while buying your next policy.
🚗 1. Always Check the Insured Declared Value (IDV)
IDV decides how much you’ll receive if your car is stolen or totaled.
Some agents reduce the IDV to make the premium look cheaper — but this directly cuts down your claim amount.
👉 Always choose an IDV close to your car’s real market value.
📜 2. Compare Add-on Covers Before Buying
Add-ons like Zero Depreciation, Engine Protection, and RTI (Return to Invoice) can make a huge difference during claims.
A policy without these add-ons might save you money today but could cost you much more later.
👉 Choose add-ons based on your vehicle’s age and usage.
💬 3. Verify Claim Support & Garage Network
Before finalizing, ask whether the company offers cashless repair at your preferred workshop.
If you own a car in Assam or nearby areas, make sure the garage is authorized for cashless claims.
👉 Anuja Solutions works directly with trusted workshops to ensure hassle-free claims.
💸 4. Don’t Fall for Unrealistic Discounts
Some online platforms offer very low premiums by skipping important coverage or increasing deductibles.
👉 Read the policy wording carefully — if the price sounds too good to be true, it probably is.
🧾 5. Always Recheck Policy Details
Before paying, confirm:
Your name and registration number
Policy type (Comprehensive or Third Party)
Coverage period and add-ons
NCB (No Claim Bonus) details
👉 One small mistake can create big problems at claim time.
💡 Final Thought
Buying a motor insurance policy isn’t just about price — it’s about peace of mind.
A well-chosen policy ensures smooth claim settlement, stress-free repair, and real protection for your vehicle.
At Anuja Solutions, we believe in honest advice and transparent service.
Whether you’re buying a new policy or renewing your old one, we’re here to guide you with clarity and care.