Policy360 Secure · 19 August 2026
Renewing a motor policy in two clicks is easy — but it is also how most people lose money at claim time.
Check these five before you renew:
1. IDV — an artificially low IDV lowers the premium and your total loss payout. 2. Zero depreciation — for cars under five years, this single add-on often decides the out-of-pocket amount at claim. 3. Consumables and engine protection — useful for newer and premium vehicles. 4. No-claim bonus — carry it forward correctly; it is yours, not the insurer's. 5. Third-party liability and personal accident cover — statutory and non-negotiable.
We place three comparable quotations side by side, on identical IDV and add-ons, so the comparison is fair.