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Yes. Every insurer listed on AutoBillClub is actively licensed by IRDAI. We verify licensing status regularly. IRDAI licensing ensures the insurer follows regulated guidelines on premiums, claims, solvency, and customer protection.

100% free. There are no consultation fees, no broker charges, and no hidden costs. Our advisors earn a standard regulatory commission from the insurer when a policy is purchased - at exactly zero extra cost to you. The premium you pay is the same as buying directly from the insurer.

Our dedicated claim support team is available 7 days a week. We guide you from registering the claim, to coordinating with surveyors, to following up on settlement. We act as your representative with the insurer to ensure your claim is processed fairly and quickly.

General insurers (like ICICI Lombard, HDFC Ergo, Bajaj Allianz, Tata AIG) are licensed to sell motor, health, and travel insurance across multiple categories. Life insurance is a separate regulatory license - so LIC, HDFC Life, SBI Life etc. only appear in Life & Term categories. We list each insurer under every category where they offer a competitive product.

Absolutely. Many customers buy car insurance from one partner, health from another, and a term plan from a third - based on which offers the best value in each segment. AutoBillClub manages all your policies, renewals, and claims from one place.

We review our partner list every quarter - checking IRDAI license status, claim settlement ratios, product updates, and premium competitiveness. Partners with consistently poor claim settlements or customer satisfaction are removed. New partners are onboarded only after a thorough evaluation by our advisory team.