This happened to me as well when i renwed my 1st yr ....
IDV value dose help when you put you car to sale..... that may help you other wise I am not sure if that effects your insurance in anyways...
Other experts can through there views... I too have my insure for renewal..
Nemo, also note you can get the same bargain form RS folks after u show thw ICICI folks deal... that worked when Relince gave me a better deal and I used it for my current Bajaj Allianz guys...
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