Hello everybody, My insurance is due to expire next month. So, i have started the hunt for insurance for my car. So far i have got individual quotes from six companies and also got quotes from policy bazaar dot com. The following are the quotes. 1. ICICI LOMBARD (Current insurance provider): IDV: 400000 PREMIUM:10596 2. BHARATI AXA: IDV: 505360 PREMIUM:12236 3. BAJAJ ALLIANZ: IDV: 551079 PREMIUM:10621 4. FUTURE GENERALI: IDV: 496377 PREMIUM:11371 5. HDFC ERGO: IDV: 496377 PREMIUM:11371 6. TATA AIG: IDV: 496377 PREMIUM: 13239 FROM POLICYBAZAAR.COM: STILL NEGOTIATING. Apart from these, the united india insurance and national insurance companies quotes go in excess of 16,000 and i am also not inclined to go to those insurance providers. I have shortlisted from the above two bharati axa and bajaj allianz. The lowest quote that i got for bharati axa is 9615/- and from bajaj allianz is 9175/- both these quotes involve 2500/- voluntary deduction but bajaj allianz covers 24 x 7 assistance and keys & lock replacement whereas bharati axa provides them as an add on. Now, i am thinking of decreasing the IDV to about 382500 (based on the depreciated value of my current IDV) so that my premium will come low and i will go for two add on's i.e: return to invoice and voluntary deductible of rs. 2500/- so that in case of total loss/constructive total loss i can get back the invoice value and if i don't claim during the policy period i will have paid lesser premium + 2500/- which i don't have to pay. Advice from all (esp insurance guru's) solicited.