MOTOR COVER
Car Insurance
Zero depreciation. Quick renewal. Best-fit cover.
Starts @ ₹2,094/yrZero Dep Cover
Get Quote Not policies. Relationships built on trust.
Get the right insurance
for your needs
We help you understand, compare, and choose the right policy. No spam. No pressure.
Partnered with 11+ insurers • Claim assistance included
What we cover
Everything under one umbrella
Compare and choose the right policy across motor, health, life, and business — all in one place.
HEALTH
Health Insurance
Cashless care at 10,000+ hospitals.
Starts @ ₹3.5k/yr10k+ Hospitals
Get Quote 
MOTOR COVER
Car Insurance
Zero depreciation. Quick renewal. Best-fit cover.
Starts @ ₹2,094/yrZero Dep Cover
Get Quote HEALTH
Health Insurance
Cashless care at 10,000+ hospitals.
Starts @ ₹3.5k/yr10k+ Hospitals
Get Quote Why Policy Total?
Why
us?
The partner you actually deserve.
Zero Depreciation Cashless Claims Fast Settlement Trusted Advisors 10,000+ Hospitals Claim Support No Hidden Charges Compare & Save Return to Invoice RSA Cover Protect from Challan
Trusted by India's leading insurers
The Policy Total Advantage
More than just a
policy seller.
Compare
We compare each providers offerings to match your real needs that fit your pockets. No need to jump between websites.
Unbiased
We show it like it is—which companies will give you the best support and value for money. You give us money, you are our priority.
KYC & Easy Documentations
We believe in documentation first, payment later. We strictly follow all IRDAI guidelines for each of our policies.
We Cover Everything
From home and life to asset and travel insurance, we are a part of everything in your life. Don't worry, we always offer you the best trust and service.
Renewal Reminders
When you buy a policy, renewals are important so that your policy is active when you need it the most.
Free Consultations
We don't force you to buy. We just tell you how a policy can be useful to you. You can come to our office, or we can come to you.* (*Only in Kolkata, on prior appointment)
How we work
A simple, transparent process to get you the right coverage.
01
Tell us what you need
Share a few basic details and the type of insurance you are looking for. No lengthy forms, no spam.
02
We compare and advise
We shortlist suitable options from 11+ insurers and explain them clearly — coverage, price, and claim ratio.
03
We handle the paperwork
Our team manages all forms and documentation. We strictly follow IRDAI guidelines at every step.
04
Make your payment
Once you're happy with the plan, complete the payment securely and quickly.
05
Receive your policy
Your policy is issued fast — digitally or physically — with all key details easy to understand.
06
Sit back and relax
We stay available for renewals, changes, and claim support whenever needed.
Get Free Quote
11+
Insurer Partners
Access to top providers
500+
Families Protected
Across motor, health & life
₹0
Advisory Fees
No hidden costs
4★+
Customer Rating
Based on real feedback
Client Stories
Trusted by Families &
Businesses
Rahul S.
Car Owner, Kolkata
"I was confused about IDV and zero dep covers. The Policy Total team explained everything in simple terms and got me a Tata AIG policy cheaper than online portals. Highly recommended!"
TATA AIG
Priya M.
Small Business Owner
"Saved almost 20% on my commercial property insurance. They don't just sell; they actually compare all the hidden clauses. True unbiased advice when I needed it most."
HDFC ERGO
Amit D.
IT Professional
"My health insurance claim was settled cashlessly within 4 hours. Having a dedicated local advisor makes a massive difference compared to buying from a faceless website."
BAJAJ ALLIANZ
Sneha B.
Freelancer
"The renewal reminders are a lifesaver. They called me two weeks before my car insurance expired and even found a better quote from a different provider without losing my NCB."
ICICI LOMBARD
Vikram K.
Travel Enthusiast
"Bought family travel insurance for our Europe trip. The process was completely paperless, KYC was smooth, and I had the policy on my WhatsApp in 10 minutes. Fantastic service."
SBI GENERAL
A
R
S
Real reviews from actual Policy Total clients.
Got Questions?
Frequently Asked
Questions.
Everything you need to know about your coverage, renewals, and claims.
What is IDV in car insurance?
IDV (Insured Declared Value) is your vehicle's current market value and the maximum payout in case of total loss or theft.
Can I switch my insurer at renewal?
Yes! You can switch to any insurer at renewal without losing your No Claim Bonus (NCB). We handle the transfer for you.
Is health insurance cashless at all hospitals?
Cashless treatment is available at network hospitals. We help you choose plans with the widest hospital networks in Kolkata.
How do I file a claim?
Contact us immediately after an incident. We guide you through the entire process and liaise with the insurer on your behalf.
Do you charge any fees?
No! Our advisory service is completely free. We earn a commission from insurers, so you only pay your premium.
Still have questions? Talk to an advisor
Ready to Get the Right Coverage?
Talk to our expert advisors today — free consultation, no obligation.
100% Secure. IRDAI Registered Point of Sales Person.