I was expecting a truck to rear end but escaped with Russian Roulette 🤷🏻‍♂️🤷🏻‍♂️😑 Carelessness!!

Why should we not overdrive headlights at night !! @motordave2

If anything is too good to be true, would take it with pinch of salt. It’s a good option but we are too early to make it standard. I had just checked as example,ICICI Lombard Pay as you use or pay how you use policy and asked AI to identify the hidden caveats,listed 👇

There are several important caveats that I would want to understand before choosing it. The important caveats Caveat Why it matters 1. Own-damage cover is tied to unused kilometres This is the biggest one. The PAYU add-on says coverage is valid only when some of the purchased kilometres remain unused at the time of loss. Once exhausted, an OD claim isn’t normally covered. 2. The 100-km grace is NOT a general buffer After exhaustion, you get up to 100 km grace only for accident claims. It explicitly does not apply to theft. And the claim is subject to subsequently paying the top-up premium. 3. Don’t assume “I have 5,000 km” means exactly 5,000 km of safe margin You need to monitor the kilometre balance. If you cross the purchased limit, you’re entering the restricted/grace territory. 4. Theft is particularly important Suppose your 5,000-km package is exhausted and the car is stolen. The 100-km accident grace doesn’t help because theft is specifically excluded from that grace. 5. Odometer/telematics becomes critical evidence You have an obligation to ensure kilometres are ascertainable. Tampering or making the device non-functional can make the add-on ineffective and may lead to repudiation of a claim 6. Even genuine device failure has a notification obligation If the device malfunctions because of wear/tear or manufacturing defect, the wording says you should notify the insurer immediately. Don’t simply assume the insurer will ignore a dead device. 7. Unused kilometres don’t all necessarily survive renewal Maximum carry-forward is 1,000 km, even if you have substantially more unused kilometres. And if renewal is more than 30 days late, no unused-km carry-forward is allowed. 8. Cancellation refund has traps You can get a refund for unused purchased kilometres subject to conditions, but no refund if you initiate cancellation in the last 30 days of the policy. Also, carried-forward kilometres from the previous year aren’t refundable. 9. Total loss/theft can kill the refund opportunity If cancellation happens because of total loss/cash loss/total theft/CTL, the wording says no refund of the Own Damage premium. 10. PAYU doesn’t replace the base policy’s exclusions The telematics add-on is explicitly subject to the base motor policy’s covers, regulations and exclusions. So PAYU doesn’t make an otherwise excluded claim payable. One particularly interesting point: NCB There is actually a beneficial provision hidden in the wording. It says NCB applicable to the initial kilometre package and subsequent top-up kilometres will be provided irrespective of a claim in the running policy. That’s worth remembering because it’s different from what you might intuitively expect from a conventional policy. 
 The biggest practical risk Imagine you buy 5,000 km. Your odometer goes: 4,700 → 4,900 → 5,000 → 5,050 At 5,050 km, you’re already in the post-exhaustion period. If you have an accident at 5,050 km, the 100-km grace potentially protects you, but you have to pay the applicable top-up premium after the loss. If the car is stolen at 5,050 km, that 100-km accident grace doesn’t apply. That’s probably the single most important thing I’d highlight before buying PAYU. Another thing I would be careful about The policy doesn’t say: “You can drive 5,000 km and we’ll automatically extend your cover.” Instead, the structure is: Purchased km → exhaustion → top-up → additional premium and the wording says claims after exhaustion aren’t covered, subject to that limited 100-km accident grace. So I’d never choose a kilometre package exactly equal to my expected annual driving. For example, if I expected to drive ~5,000 km/year, I’d want some buffer rather than deliberately buying exactly 5,000.