Update: I went with RS for 17K for IDV 6.75. Seemed worth it for me compared to the rest in all respects. @Speedjet, First do get all the quotes from policybazaar and from directly visiting their websites. Ull get bombarded with calls. U do know this already. There is no reason as far as i think u need to stick with BA only tho having a good NCB. Try talking with others as well.