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How a review works

We check the dozen things — declared value, depreciation cover, no-claim bonus, engine protection, cashless network — that decide whether your claim lands in full or in fragments.

i.
Upload the PDF.

Drag in your motor policy. Anonymised by default; encrypted in transit; deletable in one click.

ii.
We read every clause.

IDV, premium split, NCB, Zero-Dep, engine cover, RSA, cashless network, claim ratio. Each finding cites the clause we read it from.

SCORE 62RO·24
iii.
You get the verdict.

One screen. Plain English. Renew, switch insurer, re-price IDV, or do nothing — whichever the document actually warrants.

CASE STUDY · ANONYMISED

The audit took one minute, forty-seven seconds.

One Bengaluru sedan owner. One uploaded PDF. One re-pricing recommendation worth ₹2.4 lakh of cover.

Honda City · 2021
BENGALURU · BAJAJ ALLIANZ · ₹12,840/YR
SCORE
62/100
GAPIDV undervalued. ₹6.4L declared · market ~₹8.8L
GAPNo Zero-Dep cover. Standard for cars under 5 yrs old
OKRoadside assistance. Active until renewal
WATCHNCB at 25%. Resets if you claim before Jan
OKPA cover for owner. Mandatory · in place
The recommendation: re-price the IDV by ₹2.4 lakh and add Zero-Dep cover before renewal.

The owner kept the same insurer. The same premium. She walked away with ₹2.4 lakh more cover than she would have had on auto-renewal — purely from reading a document she'd never have read herself.

The three rules we keep
i.
We don't push insurance.

We curate what's best for you and earn only when you buy that. We'd rather you didn't buy than buy the wrong cover. The product is the curation; the commission is downstream of it.

ii.
We don't bury the answer.

One screen. Plain English. Each finding cites the clause we read it from.

iii.
We don't chase you down.

You'll never get a “just calling to follow up on your renewal”. The verdict appears once; the decision stays with the user.

Saved me ₹35,000 out of pocket when my claim happened — entirely borne by the insurer because of an add-on RightOffer recommended. Had I continued with my old policy, that would have been my loss.
Arjun M. · Pune · SUV owner
1,000+
policies reviewed
₹1.8L
avg gap uncovered
89%
would recommend
0
sales calls placed

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RightOffer — Independent Motor Insurance Review in 2 Minutes