@ghodlur, thanks for your input. I got call from Policy bazaar today morning. They are guiding to buy HDFC ERGO IDV : 5.4L, Zero Dep includes 100% except battery, tyre. Premium Rs.20583. FG through policy bazaar Zero Dep, IDV: 5L , Premium rs.19625. The premium amount I calculated earlier on the portal has very low IDV of 4.2L. Thanks @ghodlur for guiding to get the correct IDV. I will check with the Fiat KVR tie up and update here. My previous claim was smooth, but I had to spend more money from pocket as it was not a B2B. --- Double Post Merged, Oct 5, 2015, Original Post Date: Oct 5, 2015 --- missed to include in previous post: Policybazaar rep told that this is their 8 year anniversary offer price for today, and the price will go upto 21.7K by tommorrow.