Watch out for the own damage premium in your bike and car insurance and it should keep reducing based on NCB and IDV of the vehicle. I have blindly renewed the policy with them for 7 years without looking at details. The worst part is that they don’t provide insurance breakdown in website at the time of renewing policy and it is a clear indicator that something is wrong. It took longer for me to realize it.
https://twitter.com/prakash4k/status/953250269462081536