7 Car Insurance Mistakes That Cost Me ₹1.8 Lakh in 2022 – Never Repeat in 2025
By Vaibhav Rajapkar • December 2025 • 8 min read
2022: My 3-year-old Swift crashed. Total repair bill ₹2.4 lakh.
I had skipped Zero-Dep add-on to “save” ₹2,800 premium.
Insurance company paid only ₹60,000 after depreciation.
Remaining ₹1.8 lakh from my pocket. Lesson learnt the hardest way.
7 Mistakes 90% People Still Make in 2025
- Not taking Zero-Dep till car is 6 years old
- Breaking 50% NCB for claims under ₹20,000
- Not adding Engine & Gearbox protection (monsoon must)
- Declaring wrong cubic capacity to save ₹500-1,000
- Not transferring NCB when selling old car
- Buying from agent instead of direct/online (10-15% extra commission)
- Not reading policy wordings (exclusions section)
I now renew every policy myself on Policybazaar/Acko and save minimum ₹4,000–8,000 yearly.
Comment your car model below — I’ll tell you exact premium + best add-ons for 2025.
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