Now after much research I have figured out the best mobile insurance plan available in India which is cost effective too. After losing my iphone because of water damage & samsung galaxy because of cracked screen, this time I decided to insure my Moto G4. Some of the plans such as syska & oneassist is not at all mobile centric & I will not recommend to those who are looking for superior mobile protection. Also some players like appsdaily do not cover Moto and other phones. The only plan which covers all smartphone and gives you 100% data & device protection is syncNscan https://syncnscan.com/mobile-insurance-plans.html . Very easy to purchase online, also no FIR etc formalities reqd in case of theft etc. The plan is explained well & customer support helps you if you have any doubt. Plan starts from Rs.599 and which is Lowest as per my research. Only thing that you have to activate your plan within 15 days of purchase.
Nice product.