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CSR is the percentage of claims an insurer paid out of all claims filed in a financial year. A higher CSR generally signals a smoother claims experience — it's often more telling than the premium itself.

Yes — with a cashless garage, the insurer settles the bill directly with the workshop so you don't pay upfront and claim reimbursement later. More garages near you means more convenience at claim time.

Yes. NCB is attached to you as the policyholder, not to the insurer, as long as there's no gap in your policy and you carry forward your NCB certificate at renewal.

Not necessarily. A lower premium with a weak claim settlement ratio or a small garage network can cost more in time and money at claim stage. Weigh premium against CSR, garage count and add-ons together.