Advice Needed: Car Insurance Renewal – Zero Dep vs Own Damage + NCB Impact

Hi All,

I bought my first car in Oct 2023 and took Tata AIG Zero Dep insurance with all add-ons via PolicyBazaar. Recently claimed ~12K for bumper, headlight & fender and it was settled smoothly.

Now renewal time is here, and I have a few doubts:

Should I continue with Zero Dep or shift to just Own Damage cover?

Since I made a claim, how will my NCB be affected?

Any suggestions for renewal — which insurer/platform gives good service, reasonable premium & easy claim settlement?

Would love to hear your experiences. Thanks! 🙏