I have time till 10th of October Thanks for your suggestion. I'll definitely do good bargaining. When insurance companies can offer a huge discount (at the time of selling) for the dealers, I'm sure they can do it for us too. Good explanation on your optimistic decision Rajan. 2 claims out of 20 years is a very good driving record. Insurance companies must be more than happy to make you their customer While I'm happy that my existing policy is eligible for NCB this year, I'd like to stay protected from any unexpected expenditures and keep my IDV reasonable. I got tempted to purchase the return to invoice add-on, but after realizing that there is a very thin chance of insurance companies declaring total loss for those add-on holders. However, I feel the zero depreciation add-on will be worthy purchasing. Sure Shams I'll definitely do it.