Vehicle, life & health advisory · Bengaluru
Atharva General Insurance is a local advisory desk for two-wheeler, car, commercial vehicle, life and health policies — we compare covers, handle the paperwork, and chase your renewal dates so a lapsed policy never catches you out.
Just have a question? WhatsApp us →
PARTNERED WITH ALL MAJOR INSURERS · RESPONSE TIME: SAME DAY
Get 10% of your premium back — stacked on top of any No Claim Bonus or other discount you already qualify for.
*Terms and conditions apply.
Currently advising on policies from
Cover, by vehicle
Every vehicle on the road needs a different cover. We quote across insurers so you see the honest trade-off between premium and protection, not just the cheapest number — and the same advisory model now covers life and health as well.
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Insurers reward safer, lower-risk vehicles. We check every applicable discount before we quote, so you're never paying more than you have to.
Carried over from your previous insurer if you haven't made a claim — this alone is usually the single biggest saving.
An ARAI-approved anti-theft device fitted to your vehicle qualifies for a straight discount on own-damage premium.
Agree to pay a higher share of any claim yourself, and your premium drops accordingly — we help you pick a safe amount.
Insure more than one bike, car or commercial vehicle with us and we negotiate a bundled rate across the policies.
Buy or renew any policy through us and get 10% of your premium back as cashback — on top of any other discount you qualify for.
Refer a friend or family member — once their policy is issued, you get 5% of their premium amount back as cashback. No limit on how many people you refer.
*Terms and conditions: offers apply to new policies and renewals processed through Atharva General Insurance, are subject to insurer approval, and cannot be combined with other cashback promotions unless stated. Confirm current terms with your advisor before purchase — replace this placeholder with your finalised terms.
The journey
No app to install, no forms to chase — one advisor sees your policy through, start to finish.
Share the registration number and current policy — we pull up cover options within the hour.
We lay out premiums and inclusions across insurers side by side, in plain language.
KYC, inspection and issuance — handled and confirmed back to you, not left half-done.
Your expiry date goes on our tracker. We call before it's due, not after it's lapsed.
Why Atharva
Most policies don't fail at purchase — they fail at renewal, when a reminder gets missed. That's the gap we close.
Each vehicle you insure through us goes onto a renewal calendar, with a call scheduled before the expiry — not a generic SMS blast.
Based in Bengaluru, reachable by phone or WhatsApp — for claims, endorsements, or just checking what a clause means.
From National Insurance Co. and New India Assurance to ICICI Lombard, HDFC ERGO, Bajaj Allianz and more — we quote across the board, so every recommendation comes from real product knowledge, not a generic comparison.
Report a claim and we coordinate the inspection, documentation and follow-up with the insurer until it's settled.
What clients say
A few words from people we've helped — replace with your own client quotes as they come in.
"Renewed my bike policy in one phone call — no chasing paperwork myself for once."
"Got a claim sorted without the usual back and forth with the insurer directly."
"They called me before my renewal was due — first time an insurer hasn't caught me off guard."
Placeholder quotes — swap these for real client testimonials (with their permission) as soon as you have them. Genuine reviews build far more trust than sample copy.
Support
However you reach us, the same person handles your policy end to end — no call centre, no ticket queue.
Questions
Can't find your question here? Call, WhatsApp, or use the form below.
A lapsed policy usually means you lose your No Claim Bonus and may need a fresh inspection before cover restarts — which is exactly why we track renewal dates and call before it's due, not after.
Yes — NCB is tied to you, not the insurer, as long as there's no gap in cover and you can show your NCB certificate or previous policy. We handle this transfer as part of switching or renewing.
It varies by insurer and claim type, but inspection is typically scheduled within 48 hours of you reporting it. We follow up through the process and keep you posted rather than leaving you to chase the insurer yourself.
No — we're compensated by the insurer, the same way any licensed agent is. You pay the same premium you'd pay going direct, and you get an advisor tracking the policy on top.
Once the person you referred has their policy issued through us, we process 5% of their premium back to you as cashback. Get in touch for the current payout timeline and any terms that apply.
Cancellation and refund terms are set by the insurer, not by us — most allow a pro-rated refund on the unused period if you cancel outside the free-look window (typically the first 15 days). Talk to us before cancelling and we'll walk you through what applies to your specific policy.
Talk to an advisor
Send your vehicle details and current policy — we'll call back with a comparison the same day.
