Insurance Section

Here you will find insurance categories like Life, Health and Motor. Each category has multiple insurance providers companies and aggregators listed. You can check your free insurance quotes on the partner platform that you trust the most from the listed names. We generate lead based income even if you don't wish to purchase the insurance in some campaigns. You can check your insurance quotes on multiple platforms listed to support us. You first click the category and then click desired platform banner or text link. You will be directed to official website form where you need to fill your basic details to check the quote. Expect a call back from the insurance company to help you make a decision. You can continue or deny purchase as you wish and check alternate provider. Encourage your friends and family to visit this page first if they buy insurance online.

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You can hence book your insurance online yourself by simply first visiting this website and clicking the banner or textlink of the provider you want.

The other option is to seek offline insurance quotes from agent for personalized agent services. As honest champion visitor, your agent fees is waived off and you can talk freely to discuss your insurance needs.

Prime members of Amazon can also book their insurance online from this link. click here to initiate.

We recommend that you chat with us on your requirement. IRDA Certified professional will help you choose the best insurance option based on your need and instant policy issue with easy documentation. Any consultation over insurance products is chargeable with consultation fee of Rs 100 to be paid in advance which shall be adjustable in case of Insurance purchased through us.

Whether you need to renew your motor insurance or need a life cover for family, travel or general insurance, find this as your one stop shop as honest champions becomes your friend in daily lives.

Send us your basic details over email at or ask us to arrange a callback and we will assist you with required process. Seek claim assistance on all insurance purchased through us. Chat with us for more details. Watsapp Here

Some Important attachments required in email are:-

1. Last Policy Document Copy

2. Registration Certificate Copy (For Motor)

3. ID Proof

4. Address Proof

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Types of health insurance ON offer

Life insurance plans are characterized by the fact that they pay a benefit on death of the insured. The most popular plans have a fixed period of time for which the policy is in force, and death benefit will be paid. Term Life, Endowment, ULIPs, Pension Plans, and Child Plans all have fixed terms. On the other hand, Whole Life Plans offer cover for the entire lifetime. Read on to know more about each of these.

Individual health insurance plans:

Individual health insurance plans which cover a single individual under the cover

Family floater health insurance plans:

Family floater health insurance plans which cover the entire family under the plan. A family consists of the policyholder, spouse, dependent children, and dependent parents. One plan covers the entire family on a floater basis. The sum insured is shared by the family members. Any member can make a claim up to the sum insured.

Critical illness health insurance plans:

Critical illness health insurance plans which cover major critical illnesses. If the insured is diagnosed with any covered illness, the sum insured is paid. The policyholder can use the sum insured to meet the cost of advanced treatments or pay for any other financial obligations.For CERTIFIED MINTPRO AGENT ASSISTANCE - WATSAPP HERE

Top-up health insurance plans:

Top-up health insurance plans which provide supplemental coverage at minimal rates of premiums. If individuals feel that their coverage is low, they can buy top-up plans to increase the coverage. There is a deductible limit under these plans. Any claim which is in excess of the deductible limit is paid. For CERTIFIED MINTPRO AGENT ASSISTANCE - WATSAPP HERE

Super top-up health insurance:

Super top-up health insurance plans which are also called aggregate health plans. These also help to enhance the sum insured at affordable premium rates. Super top-up plans are like top-up plans. They also have a deductible limit and claims exceeding the limit are only paid. However, while top-up plans consider each instance of claim separately, super top-up plans aggregate the total claims made in a policy year and then apply them against the deductible limit. If the aggregate claims exceed the deductible, the claim is paid. For CERTIFIED MINTPRO AGENT ASSISTANCE - WATSAPP HERE

Senior citizen health insurance plans:

Senior citizen health insurance plans which are meant to cover individuals in their older ages. Individuals who are 61 years and above can be covered under senior citizen health insurance plans. The sum insured under these plans are limited and premiums are affordable. For CERTIFIED MINTPRO AGENT ASSISTANCE - WATSAPP HERE

Hospital cash plans:

Hospital cash plans which pay a fixed benefit for each day of hospitalisation. If the insured is hospitalised, a daily allowance would be paid every day up to a maximum period.

Disease-specific health plans which cover specified illnesses like diabetes, cancer, heart-related ailments, dengue, etc.

You should understand the types of health plans before choosing the best plan suiting your requirements. For CERTIFIED MINTPRO AGENT ASSISTANCE - WATSAPP HERE


Types of life insurance ON offer

Life insurance plans are characterised by the fact that they pay a benefit on death of the insured. The most popular plans have a fixed period of time for which the policy is in force, and death benefit will be paid. Term Life, Endowment, ULIPs, Pension Plans, and Child Plans all have fixed terms. On the other hand, Whole Life Plans offer cover for the entire lifetime. Read on to know more about each of these.

Term Life:

Term Insurance plans provide a death benefit for a fixed tenure. This is the most basic and also the most important type of life insurance policy available in the market.

There are certain sub-types of term life plans like level term plans, increasing term plans, decreasing term plans & term plan with return of premium.


Endowment plans:

Endowment plans are savings-oriented life insurance plans. These plans have both death benefit as well as maturity benefit.

Death Benefit is paid to the nominee if the life insured dies within the policy tenure and Maturity Benefit is paid to the policyholder if he survives the entire policy tenure.



Unit Linked insurance plans (ULIPs) are investment oriented insurance plans. Under these plans, the premiums paid are invested in the capital market. There are different types of investment funds and the policyholder can choose the fund in which the premium should be invested. ULIPs allow fund option to choose from equity, debt, balanced, liquid etc.


Child Insurance plans:

Child plans are life insurance plans created specifically for providing financial stability to the child. The parent or the child is the life insured under the plan. Usually, the parent is covered in a child plan.

There are 2 types of child insurance plans:

  • One being the traditional child insurance plans with maturity, bonus (if applicable) and death benefit, if the parent dies.

  • Unit-linked child plans with maturity (investment premium + growth) and a death benefit if the parent dies.


Whole life plan :

Whole Life Plans are unlimited Term Plans. These plans cover individuals till 99 or 100 years of age.


Pension plans :

Pension plans are retirement-oriented life insurance plans. Under these plans, the policyholder creates a corpus from which regular annuity payouts are given till the insured is alive. Pension plans come in two variants - Deferred pension plans and Immediate annuity plans.


Comprehensive bike insurance

Third party bike insurance policies are mandatory by law. They are insurance policies on your bike which cover you against financial liabilities if you harm any third party or damage a third party property. Moreover, comprehensive bike insurance plans also cover damages suffered by your bike.

Two-wheelers are very popular in India. People prefer a two-wheeler because of its convenience and economy. In fact, two-wheeler sale in the Indian market is booming. According to reports, the total two-wheeler sales in April – July 2017 increased by 9.23% against the sales in April-July 2016. During the same period, the scooter market posted a growth of 19.10%.

However, despite the popularity of two-wheelers, safety is ignored by many riders. According to reports published by National Crime Records Bureau, two-wheelers accounted for 29.3% accidental deaths in 2015.). Two-wheeler riders also forsake the compulsory bike insurance plans. In a data compiled by the Ministry of Road Transport and Highways, out of 19 crore vehicles registered in the country, only 8.26 crore vehicles are insured. Is it wise?

Two-wheeler insurance plans are compulsory by law. Yet, many individuals still ignore it as is evident from the figures. The main reason for this ignorance is a lack of knowledge. If you also don’t know about bike insurance plans, here is a detailed guide.

Types of bike insurance plans in India

In India, you get two different types of bike insurance plans. One is the mandatory third party liability policy while the other is a more inclusive comprehensive package policy. Let’s understand these two in brief -

  • Third party liability policy – A third party liability policy covers financial liabilities which you face if your two-wheeler causes injury, disability, or death of a third party or the owner. If you damage any property belonging to a third party, you would also get coverage for the financial compensation you are liable to pay up to Rs. 1 lakh.

  • Comprehensive package policy – As the name suggests, a comprehensive policy provides an all-round coverage for your bike. You get coverage for the mandatory third party liability cover. Moreover, if your bike suffers any damages you get coverage for those.

What does bike insurance cover?

A comprehensive bike insurance plan provides coverage also provided by a third party policy. So, here are the coverage features offered by a comprehensive plan -

  • Any financial liability which occurs when you accidentally injure any individual or an individual is killed/disabled in an accident involving your bike.

  • Financial liability which arises when you damage a property belonging to a third party.

  • Damages sustained by your bike due to natural causes like floods, earthquakes, hurricanes, etc.

  • Damages suffered by your bike due to man-made causes like fire, self-explosion, theft, malicious damages, etc.

  • Damages faced when the bike is being transported by rail, road, water or air.

  • Personal accident cover which is for the driver or owner of the bike in case of accidental injury, death, or disablement.

IRDA has made recent changes in the context of bike insurance plans wherein the plans can be offered for longer tenures. In keeping with these changes, there are bike insurance plans which come with policy tenure of up to 3 years. You pay the premium once and you get coverage for 2 or 3 years as you choose. Both third party and comprehensive bike insurance plans are being offered as long-term plans. These long-term policies give you the benefit of lower premiums and cut down on the hassles of annual renewals.

Why is it important?

A comprehensive bike insurance policy is important because -

  • It provides an all-inclusive cover which is not found in third party liability only policies.

  • It provides financial aid even when your bike suffers damages.

  • There are comprehensive add-ons available with the plan which increase the level of coverage.

As mentioned above, a comprehensive bike insurance policy provides attractive add-ons. Some popular ones are as follows –

  • Roadside assistance cover - this cover gives you 24*7 assistance from the insurance company in case your bike breaks down in the middle of the road and you cannot get assistance from any garage.

  • Zero depreciation cover - when you make a claim for your bike’s repair expenses, the company deducts depreciation of the parts from the value of claim due to which, the claim amount paid by the insurer goes down. With zero depreciation cover you can get the full claim settlement as the effect of depreciation is ignored by the company.

  • NCB protect - if you don’t make a claim in your bike insurance policy, you earn a no claim bonus discount. This discount reduces your renewal premiums and also increases every claim-free year. One instance of claim, however, wipes out the accumulated discount. Through this add-on cover, you can protect your NCB even when you make a claim.

  • Cover for consumables - consumables like oil, grease, nuts and bolts, etc. are used when repairing your bike and are excluded from claim settlement. With this add-on you can include the cost of consumables too.

  • Medical cover - this add-on covers the medical expenses you incur if you are involved in an accident and are taken to a hospital for treatments.

Add-ons increase the scope of coverage and provide you comprehensive benefits. Though they involve an additional premium, the premium outgo is very minimal compared to the benefits provided by the add-ons.

Factors to consider when buying a comprehensive two-wheeler insurance policy

There are multiple comprehensive bike insurance plans available in the market. You should buy a plan only after comparing it with others. Here are the factors which you should consider before buying a comprehensive bike insurance policy –

  • Coverage features - though the coverage in all plans would include third party liabilities and own damage suffered, you can find various additional benefits inbuilt in the policy. So, look at the coverage features provided by the plan and understand them to know exactly for what you are covered.

  • Add-ons available - look at the add-ons which the policy provides and choose them based on your requirements.

  • NCB protect - if you don’t make a claim in your bike insurance policy, you earn a no claim bonus discount. This discount reduces your renewal premiums and also increases every claim-free year. One instance of claim, however, wipes out the accumulated discount. Through this add-on cover, you can protect your NCB even when you make a claim.

  • Insured’s Declared Value (IDV) - this represents the total effective coverage value and is calculated by deducting the age-based depreciation from the market price of the bike. You should choose a plan with the highest IDV to avail increased coverage levels.

  • Premium rate - the premium rate should be checked along with the coverage features. The best plan should provide comprehensive coverage at lowest premium rates.

  • Discounts - you should also check the available discounts which lower your premium outgo.


Comprehensive Car Insurance

This Insurance wraps your car in a secured blanket of coverage. It offers cover for your car damages, third party liabilities, and personal accident. It is available for single year as well as for long term too.

Standalone Own Damage Car Insurance

Your search for the right only own damage cover for your car ends here with our standalone car insurance plan for covering losses incurred to your own car only

Third Party Liability Car Insurance

The third-party liability insurance offers cover for all the damages caused by your car to a third party in the event of an accident. It is a mandatory cover!

Disclaimer: Insurance is a subject matter of solicitation, please read the offer document carefully before investing.


The Insurance Regulatory and Development Authority of India (IRDAI) continuously makes changes in insurance plans to make them relevant to the changing dynamics of the market. Recently, with respect to motor insurance plans, IRDAI appointed a working committee to draft a proposal which would link your driving history to your motor insurance premium. Let’s have a look at what the committee has proposed.

Proposals of the working committee

  • A new section called the ‘Traffic Violation Premium’ (TVP) would be inserted into a motor insurance policy’s premium break-up. This section would record additional premium payable depending on your history of traffic violation

  • The TVP section would be included in both comprehensive and third party liability plans

  • The history of traffic violations over the last two years would be considered

  • In case of new vehicles, the TVP would be applicable from renewal

  • In case of second-hand vehicles, the TVP would be calculated after the vehicle has been sold to another individual. It would be applicable at the time of renewals

  • Even if you give your vehicle to another individual, any offence committed by another driver would reflect on your policy premium

How would be the TVP calculated?

To calculate the Traffic Violation Premium payable by you, a point system would be devised. There would be specific points for a specific violation. For example, according to the draft designed by the committee, 100 points would be allotted for drunk driving while wrong parking attracts only 10 points. The points would keep on accumulating over the policy year for the violations that you make. On renewal, the points would be aggregated. If you have up to 20 points, additional premium would not be charged. However, if your points are 21 or more you would have to pay the additional Traffic Violation Premium.

For two-wheelers, the additional Traffic Violation Premium ranges between INR 100 and INR 750 while for four-wheelers, both private and commercial, the premium can range between INR 300 and INR 1500.

How would the system work?

The committee stated that the Insurance Information Bureau (IIB) would co-ordinate with the traffic police of different States as well as the National Informatics Centre. The IIB would collect the data of traffic violation and calculate the violation points of every vehicle. This information would, then, be shared with general insurance companies offering motor insurance policies so that they can charge the Traffic Violation Premium when they issue the policy for the respective vehicle.

Objective behind this move

The main objective behind implementing the concept of Traffic Violation Premium is to make individuals aware about traffic rules. This move is expected to reduce traffic violations and make Indian roads safer. The additional premium would discourage traffic offenders who manage to dodge traffic penalties as their insurance policy would become expensive for their habits.

In many foreign countries, the motor insurance premium is linked to the driver’s driving history and by bringing this system in India, IRDAI is trying to match motor insurance policies with international standards.

What it means for you, the customer?

As a customer, you can benefit from a reduction in premium if you have a clean record. Though the committee has not mentioned it in their proposal, experts believe that insurance companies would give good drivers a discount in their premium while penalizing offenders. So, if you clear your driving history, you can benefit from reduced motor insurance premiums.

Though the proposal is still in the development stages, it is expected to be rolled out, on a pilot basis, in National Capital Territory Delhi. So, let’s see when and how the proposal unfolds but for now, try and avoid traffic violations as much as you can. If the proposal is implemented, your traffic history would increase your premium.