· All samples ·Sample № 01 · Lens · Pay less
· The audit took one minute, fifty-three seconds ·
Same cover, two thousand rupees cheaper — without leaving the same insurer.
One Lucknow Swift owner. One uploaded PDF. One re-quote that kept the cover identical and dropped the premium by twenty-five percent at renewal.
Anonymised findings
Maruti Swift · 2019
Lucknow · ICICI Lombard General · ₹8,420 / yr
Score
58/100
GAPIDV undervalued. ₹4.2L declared · market ~₹5.6L
GAPNo Zero-Dep cover. Standard for cars under 5 yrs old
OKRoadside assistance. Active until renewal
WATCHNCB at 25%. Resets if you claim before August
OKPA cover for owner. Mandatory · in place
The recommendation: re-quote with the same insurer at the correct IDV and add Zero-Dep.
The owner stayed with ICICI Lombard. The same paperwork, the same hospital network, the same claim process. The new quote at the corrected market value came in ₹2,100 lower than the auto-renewal email he'd already received — and now includes the Zero-Dep cover he didn't know was missing.
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