Start with IDV (Insured Declared Value) — it should track realistic market value, not the sticker you paid last year. Too high and you overpay premium; too low and a total-loss payout hurts. Add zero depreciation if the car is under about 5 years old; skip it on older cars where parts claims are rarer. Protect your No Claim Bonus with a NCB protector if you can — one claim should not wipe years of discount. Compare own-damage plus third-party quotes across insurers, then message MotorHalt on WhatsApp with your registration — we will help you shortlist without the jargon.