Compare up to three liability quotes by premium including GST, deductible and limit of indemnity against a claim amount you choose.
Use this tool when you have two or three liability quotes for the same business activities, turnover, premises and type of policy. Enter each annual premium as the full amount payable, including 18% GST. Enter the deductible (also called the excess) that would apply to the claim you are testing, and the limit of indemnity for any one accident (AOA). If the policy also has an any-one-year (AOY) aggregate, make sure your test claim does not exceed it.
How it works. For each quote the tool calculates the insurer's payment as the claim minus the deductible, capped at the limit. Your share is the claim minus that payment. It then adds your share to the premium and sorts the quotes from lowest total to highest.
Worked example (illustrative). A customer injury claim of ₹40 lakh including defence costs. Quote A pays ₹25 lakh at most, so your business pays ₹15,00,000 and the total is ₹15,21,240. Quote B pays ₹39,50,000 after the ₹50,000 deductible, so you pay ₹50,000 and the total is ₹80,680. Quote C pays ₹39,00,000, so you pay ₹1,00,000 and the total is ₹1,41,300. With no claim, A is cheapest; with a serious claim, B wins. Try ₹2 lakh and ₹1.5 crore as well.
Limits. Many Indian policies include defence costs within the limit, but some pay them in addition; check the wording. The tool ignores exclusions, sub-limits, the retroactive date and the effect of a claim on renewal terms. All defaults are illustrative, not real quotes.
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