I have got a quote following quotes (Zero Dep) for 2nd car insurance renewal I have NCB of 25% 1. Royal Sundaram : IDV Rs. 5,64,000 Premium Rs. 15,800 It includes Windshield Protection ,Zero Dep, Loss of Personal belongings and Spare CAr 2. Bajaj Allianz : IDV Rs. 5,64,000 Premium Rs. 15,300 It includes Zero Dep, Engine Protector and RSA 3. Future Generali : IDV Rs. 5,60,000 Premium Rs. 15,305 and Rs, 15,586 with Unnamed PA It includes Zero Dep, loss of key, Loss of Personal belongings, Road Side Assistance, Consumables For Engine Protector with above the premium is Rs. 17,193 I usually go to Kashyap Fiat Okhla New Delhi and they have cashless tie up with Future Generali. Should i renew with Future Generali... I currently have insurance form Tata Aig.. Are Engine Protection and Wind shield protector important as only advantage wind shield protection gives is of NCB protection in case of claim.