General Insurance
Cover for everything you own — cars, homes, trips, shops.
Life and health are the big two, but a stolen laptop, a scooter accident, a flooded shop or a cancelled international trip can each dent your finances just as badly. General insurance covers all of that — usually for a very small fraction of the asset's value. We keep it simple: right policy, honest premium, actual claim support.
What it is
Everything else your life needs to insure
Plain-language explainer. No jargon, no fine-print traps.
IRDAI-licensed distribution across all major general insurers
One-touch renewal reminders so nothing lapses
Genuine claim assistance — we file with you
Motor, home, travel, shop and personal accident under one roof
Who it's for
If this sounds like you, we should talk.
Our approach
How we do this differently
Principles we don't compromise on — even when a shortcut looks tempting.
Comprehensive over Third-party
Third-party is the legal minimum. For anything worth insuring, we recommend comprehensive — the ₹3,000 saved isn't worth a ₹80,000 repair bill.
IDV set honestly
Insured Declared Value is negotiable within limits. We set it accurately — not artificially low to reduce premium, not artificially high to inflate claims.
Zero-dep for the first 5 years
Zero-depreciation add-on pays for full replacement without depreciation cuts. Worth the ~15% premium bump on newer cars.
Renewal never lapses
We track every renewal date across your policies and remind you 30/15/7 days out. Lapsed comprehensive = restart of the no-claim bonus from zero.
The menu
Sub-categories inside General Insurance
Every one of these is available — we recommend only what actually fits your situation.
Car & Two-wheeler
Third-party, comprehensive, own-damage. Zero-dep, engine protect and roadside assistance add-ons.
Home insurance
Structure and contents cover against fire, flood, theft, riots. Very cheap relative to the value protected.
Shop / Small business
Fire, burglary, plate glass, cash-in-transit, employee dishonesty. Custom bundles per shop type.
Travel insurance
Single-trip, multi-trip and student policies. Medical, trip cancellation, baggage loss and passport support.
Personal accident
Lump-sum on accidental death or permanent disability. Cheap standalone cover — often ₹1cr for under ₹2,000/year.
Cyber & device insurance
Emerging category — protects against phishing, identity theft, phone damage. Ask us if it fits your risk.
Getting started
From first call to live coverage — usually within a week
- 01Step 1
Asset inventory
Tell us what you want to insure. Vehicle, home, shop, trip — with rough values.
- 02Step 2
Quote comparison
We pull 3–4 quotes with matching feature sets so you compare apples to apples, not the cheapest premium blindly.
- 03Step 3
Policy issuance
Digital policy in your email within 24 hours. Original filed with our team as backup.
- 04Step 4
Renewals & claims
Automatic renewal reminders. When a claim happens, one WhatsApp to us gets the ball rolling.
Costs & transparency
What you pay — and where we earn
No hidden fees. No side commissions we hide from you.
Premium
Varies wildly by asset. Sample: ₹8,000/yr for a mid-sized car, ₹2,500/yr for a ₹40L home, ₹800 for a 7-day Schengen trip.
GST
18% GST applies on all general insurance premiums — included in every quote we share.
No-claim bonus
Motor policies build up 20–50% NCB over claim-free years. We protect it carefully at renewal.
Common questions
General Insurance — everything people ask us
Is third-party motor enough?
Legally, yes. Financially, no. A single at-fault accident with a comprehensive policy costs you ₹0; with third-party only, potentially lakhs.
Should I claim small dents?
Usually no. Losing NCB is often costlier than the repair itself. We do the math each time before you claim.
Does home insurance cover jewellery?
Base policies cover contents up to a sub-limit. Jewellery beyond that needs a valuable items add-on with valuation certificates.
What about tenants?
Tenants insure contents only, not the building. It's cheap (~₹1,500/year for ₹5L cover) and often skipped — don't skip it.
Travel insurance — worth it?
For any trip outside India, yes. A single ER visit in Europe or the US can wipe out the entire holiday budget. For domestic trips, it's optional.
Can I insure my parent's home from another city?
Yes. As long as you have insurable interest (financial stake), we can structure it. Common when children fund parents' home.
How fast are motor claims settled?
Cashless at network garages: same-day drop-off, 3–10 days delivery. Reimbursement: 15–30 days after documentation.
Talk to a Rajagopuram advisor
Ready to start with General Insurance?
Share your details — a human advisor calls you back within one business day. No spam, no auto-dialer.
