Although law mandates insurance policy for 3rd party only but it is strongly advised to buy a comprehensive insurance policy that protects your vehicle from man-made or natural calamities. With comprehensive cover, you can claim from your insurer for accidents or damages caused to your vehicle. In the absence of comprehensive cover, you need to foot the entire bill on your own.
You are required to submit a renewal notice from your previous insurer. If this doesn’t state your (NCB) entitlement or if it is not given to you by the company then call your insurer and request confirmation of your (NCB). Alternatively, you can submit your previous insurance papers and declaration that you are entitled to receive (NCB). However, if you are not eligible for NCB and wrongly claimed for it then the insurance contract is void ab initio and the insurance company reserves all rights to reject your claim.
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The varied rate of IDV's reflects different rates of premiums. Insured Declared Value, abbreviated as IDV, is the current value of the car after being adjusted for appropriate reduction. The rate of depreciation depends on the age of your car. Older the car, higher would be the depreciation and lowered would be your IDV. And it affects the Sum Assured. Hence, compare the IDV quoted offered by different car insurance plans is a must.