Is taking high base cover ( > 25L) at early age or increasing latter is better
I have 50 L family floater for 2 Adults + 1 Kid - We are 40 ,36 & 6 years. I assume ( as per our health condition) that we might not anything major that costs 50L. But I am thinking have 1Cr ,when I am 50 ( that is in next 10 years) . So I took 50L so that it will become 1Cr with No-Claim within 5 years. But somehow , I feel I am thinking too ahead with fear and not striking right balance. I think 25L cover with good No Claims bonus (in built) or increasing base cover latter with NCB rider might be better or base + super top up can be better?