PolicyLegit publishes information on commercial and personal vehicle insurance to help vehicle owners in India understand their coverage options and make informed decisions. Because insurance directly affects people’s financial security and legal compliance, we hold our content to a clear editorial standard. This page explains, in plain language, how that content is produced, reviewed, priced, and corrected.

Editorial Independence

PolicyLegit earns commission from insurance partners when a policy is purchased through our platform. This commercial relationship does not determine which insurers, plans, or premiums are shown, highlighted, or recommended on this site.

  • Insurer partners do not pay for placement, ranking, or favourable coverage in our articles or price comparisons.
  • Editorial content — guides, FAQs, claim-process explainers, and blog articles — is written to explain how insurance works, not to promote any single insurer.
  • Where we highlight a plan as ‘recommended’, this reflects general suitability for most vehicle owners, not a paid placement.

Who Writes PolicyLegit Content

Content is written by specialists in Indian personal and commercial vehicle insurance in English, Hindi, and Hinglish. Articles written in Hindi/Hinglish are produced by writers fluent in the language and familiar with how commercial vehicle owners and drivers in India actually describe their insurance questions, so that explanations stay accurate without becoming difficult to follow. 

Who Reviews It

Before publishing, content covering regulatory requirements, claim procedures, or coverage details is checked against source documents — insurer policy wordings, IRDAI circulars, and the Motor Vehicles Act — by a member of the PolicyLegit team separate from the original writer.

For pages presenting specific premium figures or plan comparisons, the figures are cross-checked against current data from our insurer partners before the page is published or updated.

How Insurance Information Is Verified

Claims made in our content are checked against primary sources rather than written from memory or general assumption. Facts are cross-checked against IRDAI circulars, the Motor Vehicles Act (1988), MoRTH notifications, and official insurer policy wordings.

How Often Articles Are Reviewed

  • Core product pages are reviewed periodically, or immediately when we’re notified of a relevant regulatory or insurer product change.
  • Blog articles are reviewed periodically and updated when the information they contain becomes outdated; each article displays its last-updated date.

How Commercial Insurance Premiums Are Calculated and Displayed

Premium figures shown on PolicyLegit are sourced from data shared by our insurer partners and are intended to give a realistic starting reference point, not a final quote.

Actual premiums vary based on factors including:

  • Vehicle type, model, age, and Gross Vehicle Weight (GVW)
  • Insured Declared Value (IDV)
  • City and RTO zone
  • No Claim Bonus (NCB) status
  • Coverage type selected (third-party vs. comprehensive) and add-ons chosen
  • The specific insurer’s underwriting criteria

Third-party premium rates are set annually by IRDAI and are uniform across insurers by regulation — PolicyLegit does not set or influence these rates. Comprehensive/own-damage premiums vary by insurer and are shown as indicative figures that are updated on a rolling basis; the exact premium is confirmed only at the point of quote generation for your specific vehicle and details.

How Insurer Information Is Presented

PolicyLegit works with 20+ IRDAI-registered general and life insurers. Where multiple insurer plans are shown on a page, data from these insurers is presented neutrally based on official metrics, not commission payouts.
PolicyLegit is an insurance advisory and distribution platform, not an insurer. We do not underwrite policies, set insurer terms, or make claim-approval decisions — those remain the responsibility of the issuing insurer.

Affiliate and Commission Relationships

Our content provides general educational guidance rather than formal legal, tax, or financial advice. Policy terms, pricing decisions, and claim settlements remain strictly under the authority of the issuing insurer. Commission from insurance partners when a policy is purchased or renewed through PolicyLegit, at no additional cost to you — the premium you pay is the same as buying directly from the insurer.

Talk to Us

Got a question about your policy or claim? Reach out directly.

Call/WhatsApp: +91 9315911403
Email: help@policylegit.com