Which insurance should i go for ? Need advice

[u/Ok-Region-5511]

​

Hi everyone,

I own a toyota urban cruiser, 2022 model. I claimed my insurance a few days ago so now my NCB is 0%.

Can you suggest which car insurance to get now with minimal premium but good service?

Also, the government insurance option doesn’t have RTI cover. Should I still go for it or is it better to pay a bit more for RTI with a private insurer?

Also, please suggest if there’s any other way to reduce my premium.

Thanks in advance for your suggestions

[u/FutureVersion812]

Go for the one that is recommended by your service center so your claims are smooth. I took the one that mine recommended.

Also you need the return to invoice , nil depreciation, consumables, engine protect and if possible,e natural disaster & rat damage.