General Insurance
The everyday protection that quietly looks after the assets you've built — your car, your home, your business property, your family on the road.
Short-term cover, real-money consequences.
General insurance is short-term, asset-based, and usually renewable annually. It's the protection most people interact with most often — car insurance, home cover, travel policies, personal accident. And it's the segment where the move to online buying has caused the most quiet damage.
A motor policy bought in five minutes might satisfy the law and look cheap. What it often doesn't do is pay out properly when there's a claim — because the coverage was wrong for the vehicle, the use case, or the modifications.
We approach general insurance the same way we approach life and health — with proper underwriting attention and hands-on claims support. The annual saving from going direct is usually a few thousand rupees. The claim saving from getting it right can be tens of lakhs.
What we cover under one roof.
Most clients use us for a couple of these. Some use all six. The unifying logic: real underwriting attention at policy issuance and proper claims support when it counts.
Motor Insurance — Comprehensive cover for car and two-wheeler, with zero-depreciation, engine protection, and roadside assistance riders.
Home & Fire Insurance — Building, contents, jewellery — for owned properties.
Commercial Fire — Business premises, factories, warehouses, retail outlets, offices.
Personal Accident — 24×7 accidental death, disability, and medical expenses.
Travel Insurance — Domestic and international, including Schengen-compliant.
Shopkeeper / SME Package — Bundled cover for small businesses in one policy.
The premium difference between barely-adequate and properly-designed general insurance is rarely more than a few thousand rupees a year.— Arvind Dedhia, Founder
Five pitfalls we see almost weekly.
General insurance has gone online faster than any other category — which is convenient, but shifts the burden of correct coverage selection onto the buyer. These are the recurring errors.
Minimum third-party only. Saves on premium, eliminates own-damage cover. The single biggest motor mistake.
Under-insured property. Buildings valued at 2010 prices in 2026. Pro-rata claim deductions hurt.
No zero-depreciation on new cars. Loses 30–50% of the claim value on a new vehicle.
Travel policies that don’t meet visa requirements. Especially for Schengen countries.
Undisclosed car modifications. Aftermarket parts, kits, accessories — must be declared or the claim fails.
Renewing your car or home insurance?
Let us review the current policy. If it's right, we'll say so. If not, we'll show you what to change.
Service that survives the policy purchase.
Anyone can sell you a general insurance policy in five minutes. The value emerges in the years after — at renewal, at claim time, when something changes about your asset, when you move cities. That's where we matter.
Right cover, right rider
Coverage designed for your specific asset, use case, and risk profile.
Insurer comparison
Quotes from 4+ insurers; recommendation based on more than price.
Claims support
Surveyor coordination, documentation, follow-up — until settlement.
Renewal review
Annual check on whether the policy still fits, with re-quoting if useful.
Don't optimise for the wrong number.
The premium difference between a barely-adequate and a properly-designed general insurance policy is rarely more than a few thousand rupees a year. The difference at claim time can be tens of lakhs.
If you’re going to buy general insurance, buy it deliberately. Talk to someone who’ll spend more than five minutes on it. That’s what we do.
Not sure where to begin?
A 30-minute no-obligation conversation often clarifies more than weeks of online research. We'd be happy to listen.
