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We are an insurance broking company, licensed by the IRDA.This gives us the authority to sell insurance policies across all insurance companies in India.

Through our website www.coverfox.com, we help you find the right insurance policy for you from a choice of plans available in the market.You can research about insurance and which policy should you buy, compare from various plans, shortlist and buy the plans instantly at the click of a button.

Now insurance buying is as simple and quick as buying plane tickets, books and clothes online.

There are 3 main reasons how we are different from other websites.

a) SMART COMPARISON ENGINE: We’ve developed a smart comparison engine that uses business inputs from our insurance experts with years of experience in the industry and algorithms designed by our technology experts. When you put in your details, it processes that information and shows you the shortlisted and recommended plans best for you in terms of both price as well as features.

b) KNOWLEDGEABLE SUPPORT TEAM: We’ve built a team of experienced, knowledgeable and friendly people. Our team is equipped and motivated to help you solve all your queries and issues. Have trouble with claims? Need to understand your policy features. Looking for help on your paperwork? Your dedicated relationship manager is always there for you. Since we have a broking license, in the rare chance that the need should arise, we can also help to resolve disputes.

c) EASY POLICY MANAGEMENT: Do you need a tax certificate? Can't trace your policy copy? Need to change your contact details? Login and find everything you need. Or simply call your relationship manager

We make money through a fixed commission that the insurance company pays us when you buy a policy through us. Like all industries, we get a standard commission from all the companies we work with. This helps us remain unbiased in our choice and get the best plan for you. We strongly believe that it make good business sense if we root for our customers, remain transparent, clean and unbiased.

Currently you can buy all general insurance products. This includes motor insurance, health insurance, home insurance and travel insurance. In the near future, you would also be able to buy life insurance from us.

Once you input your details, it takes you less than 5 minutes to buy your policy. In case of any issues, our support team is available on call or chat to assist you.

You can pay online through credit card, debit card or net-banking. If this doesn’t work, you can also send us a cheque. You will need to get in touch with our support team for cheque payments.

At Coverfox, we have worked hard to ensure you understand all the features of the plan while shortlisting on the website itself. If you still need help, our support team is available to chat with you on the website. Alternatively, if you want to talk to someone, feel free to call us on 1800 209 9970

Your transaction is completely secure with us. We work with the best payment gateway available in the country. Not only that, we also strive to ensure your information is completely safe and private.

• A number of members and relations to be covered- Because this will be the basis of buying the policy.
• Type of coverage – Individual, family floater or group.
• Sum insured or coverage amount – Ensure that you consider future expenses too.
• Room rent – Check for the capping amount or criteria defined, if applicable.
• Sub-limits or co-pay applicable – Check for the sub-limits applicable for some specific list of ailments or package treatments. Also, check if the plan has co-pay feature.
• Network hospital list – Check for the list of network hospitals and try buying a policy which covers your regular hospitals.
• The Policy wording – Most important thing to check before buying a policy. In case you are not sure about certain terms or conditions you can always contact the insurer for clarification.

Claims can be registered in two ways:

a) Cashless claims: You must contact TPA help desk at the time of hospital admission. Submit the claim form along with the doctor’s reports to seek approval. Once the request is approved, TPA settles the bill directly with the hospital.

b) Reimbursement claim: Once hospitalization is completed and the hospital bill is settled, you need to send the claim form, discharge form along with the doctor’s prescriptions and reports to the insurer. The insurer investigates the documents submitted and then revert backs with the decision on claim settlement.

Yes you can cancel a policy after you buy it. A free look period of 15 days is provided to you after buying a policy to understand the terms and conditions. In case there is any objectionable clause, you can cancel the policy and get a refund. Stamp duty, expenses on medical check-up and proportionate risk premium (the number of days that the insurance company was at a risk of bearing your health expenses) would be calculated while the premium amount is refunded. Refer the policy termination or policy cancellation section in your policy wording to know the amount that would be refunded.

Note: For a refund, there shouldn't have been any claim during the policy period.

Insurance contracts that do not come under the domain of life insurance is known as General Insurance. Conceptually any insurance policy insuring anything other than a person's life is called as general insurance. General insurance policies are classified as follows:

• Health Insurance
• Motor Insurance
• Travel Insurance
• Home Insurance
• Commercial Insurance
• Marine Insurance There are all together 30 general insurance companies in India. List of Non-Life Insurance Companies in India 2017
• Agriculture Insurance Co. of India Ltd.
• Apollo Munich Health Insurance Co. Ltd.
• Bajaj Allianz General Insurance Co. Ltd.
• Bharti AXA General Insurance Co. Ltd.
• Cholamandalam MS General Insurance Co. Ltd.
• Export Credit Guarantee Corporation of India Ltd.
• Future Generali India Insurance Co. Ltd.
• HDFC ERGO General Insurance Co. Ltd.
• ICICI Lombard General Insurance Co. Ltd.
• IFFCO Tokio General Insurance Co. Ltd.
• HDFC General Insurance Company Limited
• Liberty General Insurance Co. Ltd.
• Max Bupa Health Insurance Co. Ltd.
• National Insurance Co. Ltd.
• The New India Assurance Co. Ltd.
• The Oriental Insurance Co. Ltd.
• Raheja QBE General Insurance Co. Ltd.
• Reliance General Insurance Co. Ltd.
• Religare Health Insurance Co. Ltd.
• Royal Sundaram Alliance Insurance Co. Ltd.
• SBI General Insurance Co. Ltd.
• Shriram General Insurance Co. Ltd.
• Star Health and Allied Insurance Co. Ltd.
• Tata AIG General Insurance Co. Ltd.
• United India Insurance Co. Ltd.
• Universal Sompo General Insurance Co. Ltd.
• Kotak Mahindra General Insurance Co. Ltd.
• Aditya Birla Health Insurance Co. Ltd.

Let us understand the factors that affect insurance premiums. We will now put light on the following:

Two Wheeler Insurance Calculator :

Well, the premium for your two wheeler insurance depends on the Insured Declared Value (IDV) based on the ex-showroom price, depreciation, zone of registration and the cubic capacity of the two-wheeler (only in case of third-party insurance).

The IRDAI decides the third-party insurance premium for your two wheeler insurance. The current rates depending on the cubic capacity are mentioned below:

Car Insurance Calculator :

A car insurance premium calculator is a vibrant online tool to figure out the quotes of different insurance policies in India.

The car insurance premium is calculated based on the below mentioned formula.

Own damage premium – (depreciation + NCB) + Liability premium

The premium for your car insurance depends on the below mentioned factors:

• IDV
• Cubic capacity
• Manufacturing year
• Geographical location
• No claim bonus (NCB)
• Remember that a car that is new will always have the maximum IDV, but will gradually lower down due to depreciation.

Mentioned below are the standard rates of depreciation specified by the Motor Tariff Act:

Health Insurance Premium Calculator :

There are many factors that decide the health insurance premium. Mentioned below are the generic factors that are taken into consideration while deriving the premium amount for your health insurance:

• Marketing and Management Costs: These expenses are none other than advertisement costs, marketing costs, broker's commission and other operational expenses.
• Mortality: In case of any uncertainty to the insured, the insurance company bears this cost. This however fluctuates depending upon the age and the income of the insured person.
• Personal history: Your habits like consuming alcohol, drugs, smoking and the age is all taken into consideration by the insurance company based on which your premium is calculated.
• Medical underwriting: In order to refrain the insurance company from suffering any losses, the medical underwriting process is taken into consideration. This is the reason insurance products are always underwritten first to maintain a balance between individual and group insurance policies.

Term Insurance Premium Calculator :

Term insurance premium calculator are the most vibrant tools that will help you to compare and analyze your insurance requirements. The below mentioned factors are used to calculate your term insurance premium:

• Age of the insured: Age is the most important deciding factor to derive your term insurance premium. At a younger age, you are less likely to fall prey to lifestyle diseases or death. Insurance company would thereby save money in the near future since the possibilities of making a claim are less.
• Personal habits: If you are addicted to alcohol, drugs or smoking habits, your insurance company will charge you a bomb for your premium. At times, there are changes of a policy denial too. People who aren’t addicted to these habits pay almost 30 to 70% premium lower than the ones addicted to it.
• Health record: You will enjoy a lower premium if you have not had a family history of cancer, Alzheimer's etc. This survey is done so that your chances of falling prey to these diseases automatically reduces.
• Tenure of the insurance policy: The term insurance premium calculator will be affected adversely if you buy a term plan that covers your retirement age as well as till you pay off all your liabilities.
• Coverage/sum assured: It is advisable to opt for a coverage as per your requirement. The higher the sum assured, higher would be the insurance premium.

Insured Declared Value IDV is the sum assured value in the vehicle insurance policy. IDV in vehicle insurance gets calculated basis the manufacturer's listed price of a particular vehicle and adjusting current selling price of the vehicle with depreciation percentage as prescribed in the rate grid. It is the maximum sum insured compensated on theft, loss or complete damage to the vehicle by the insurer.

IDV is calculated depending on factors such as age, make and brand of the vehicle. IDV decreases for each year at the time of renewal of the vehicle insurance. Insurance Regulatory & Development Authority (IRDA) which regulates the insurance industry in India, has set the IDV of the vehicle as 95% of its ex-showroom price. With an increase in the age of the vehicle the depreciation also increases. IDV of the new vehicle will be high and as the vehicle gets older, IDV will go down.

NCB is abbreviation of No Claim Bonus. It is a reward given to the policy holder by the insurer for not making a claim in the preceding years. The reward is in the form of discount on premium payable which ranges from 20% to 50%.

NCB Rate Grid

NCB can be claimed on the first renewal of the policy on the condition that there was no claim made in the past year. On the first-year renewal, you can claim a discount on the premium payable by 20% which will gradually increase with every claim free year up to a maximum of 50% at the end of five claim free years.

NCB reward is attached to the policy holder and not the car. This means you get to retain your NCB if you sell your car and buy a new one or if you want to switch to another insurer at the time of renewal of the policy.

Zero depreciation or ‘zero dep’ policies are getting popular among vehicle owners. These policies offer full claim payment without any deduction for depreciation on the value of parts replaced. This also covers the repairing costs of fibre, glass, rubber parts and plastic. A standard rate of depreciation for a vehicle ranges from 0 to 50% depending on the age of vehicle and the type of material, thereby making you pay money from your pocket at the time of a claim in a standard policy. But in the case of a zero-depreciation policy, no depreciation is charged, thus a 100% reimbursement on replaced or depreciated parts can be availed leading to maximum benefit under the cover.

Some insurers which provide zero dep cover in India are Tata AIG General, Bharti AXA General, ICICI Lombard General, Reliance General and HDFC Ergo General.

Zero dep is useful for new cars or cars up to the age of 5 years. The premium for Zero dep policies is slightly dearer than a standard car insurance policy. There is also a cap on the number of claims that can be made without depreciation during the term of the policy. Normal wear and tear or mechanical breakdowns are not covered in a Zero dep insurance .

The primary thing to do is intimate the insurance company and lodge the claim. Depending on the event, one may follow different procedure. However, one must keep the following things ready at the time of intimation –

• Name of the insured.
• Contact details of the insured/Claimant.
• Policy document.
• In case of accident, note down the details of the people and vehicle involved in the accident.
• Date and time of accident along with its location
• Extend of loss With the basic details one must immediately file the claim by contacting the insurance company on their toll-free number.