That kilometers covered by a car is to be used as a governing parameter to ascertain the insurance premium of a car is most logical thinking. But I wonder what will happen to millions of public buses, autos and taxis in cities which have disengaged there odometer long back. In the villages, villages, situation is even worse. In addition to that, it is widely known fact that odometer of an Ambassador can be manually changed. I am really interested to find out how the insurance companies tackle these.