Most people pay too much for car and bike insurance.
You do not have to. I am Vardaan. I help you renew your bike or car insurance at the lowest honest price — same cover, less money. No pressure, no confusing words.
Vardaan Taneja · IIT Delhi graduate · Point of Sales Person, POS Code IP512670 LinkedIn
WhatsApp reply usually within a few minutes, 9 AM – 9 PM.
- Appointed by Policybazaar Insurance Brokers Pvt Ltd
- IRDAI Composite Broker Reg. No. 742
- POS Code IP512670
- IIT Delhi graduate
- See full disclosure →
What I believe
Insurance is sold to you, not bought by you. That is the problem. Many agents earn more when you pay more — so they sell you a costly plan even when a cheaper one covers you the same. I do not work that way.
Costly does not mean better
Every insurer in India is regulated by IRDAI. A ₹9,000 policy and a ₹4,500 policy can protect you for exactly the same thing. The price is different. The protection is not.
You are paying for extras you will never use
Add-ons get quietly put into your renewal every year. Some are useful. Many are not, for your car, your age, your city. I remove what you do not need and tell you why.
Renewing with the same company is a habit, not a decision
You can change your insurer at renewal and keep your No Claim Bonus. Nothing is lost. Very often the same cover is much cheaper somewhere else. Most people never check.
My only goal is to lower your premium. If your current policy is already the best price for you, I will tell you that too, and you can simply renew it. That is a good outcome, not a lost sale.
How I bring your premium down
Simple, legal things. Nothing hidden. I check all of these before I give you a price.
Compare many insurers, not one. I check the same cover across the companies available to me and show you the cheapest one that is genuinely good.
Set the correct IDV. IDV is the value of your vehicle. Agents often keep it high because premium goes up with it. For an old bike or car, a right-sized IDV cuts the premium a lot.
Protect your No Claim Bonus. If you did not claim last year, you have earned a discount of 20% to 50%. It is yours. Many renewals silently drop it. I make sure it is applied.
Remove add-ons you do not need. Zero Depreciation on a 10-year-old bike, engine protection on a car you drive in a dry city — these add money and give you little. I remove them and explain the trade-off first.
Check if you only need Own Damage cover. If you bought a new two-wheeler and already have a 5-year Third Party policy, you do not need to buy Third Party again. Only Own Damage. This alone saves a big amount.
Choose a sensible voluntary deductible. If you agree to pay a small fixed amount yourself in a claim, the premium drops. I only suggest this if it actually makes sense for you.
Renew before it expires. If your policy lapses, you lose your No Claim Bonus and the vehicle may need an inspection. Send me your details a few days early and this never happens.
How it works
Three steps. All on WhatsApp. It takes a few minutes.
Send your vehicle number
Message me on WhatsApp with your bike or car registration number, or a photo of your last policy. That is enough to start.
I send you options and the reason
You get a few prices, in plain language — what is covered, what is not, and why I am recommending the one I recommend.
You pick, then share KYC
You choose. Then you upload your Aadhaar through the secure button on this page, and the insurer issues your policy. Payment always goes directly to the insurer.
Before you pay anything, I will tell you: the total premium, which insurer it is with, what is not covered, the claim process, and what the deductible is. If anything is unclear, ask me. There is no fee from me — I am paid a commission by the insurer, which is already inside the premium.
Authorised POSP disclosure
Vardaan Taneja is appointed as a Point of Sales Person of Policybazaar Insurance Brokers Private Limited, IRDAI Composite Broker Registration No. 742, POS Code IP512670. Only approved POS products available through the authorised channel may be solicited. Policy issuance and claims are decided by the relevant insurer.
View Vardaan’s POSP certificateLet’s check your premium
Send your vehicle number. If I cannot save you money, I will say so honestly.