Insurance operations rarely look neat on a slide. In real life, it is queues - claims, policy changes, document checks, follow-ups, status updates. A lot of work. Repetitive work. That is why the space of Insurance outsourcing services companies in India keeps expanding. The drivers are familiar: faster digitization, tighter expectations around data quality, and volatile volumes that spike without warning. In that setup, a vendor affects not just speed, but process hygiene - and that feeds directly into risk and cost. It matters.

This article reviews the best companies in the Insurance outsourcing services companies in India segment. They are not interchangeable: some are strong in end-to-end claims handling, others in broker support, others in document-heavy and data-centric work. Picking a partner takes a clear head - look at process design, QA habits, tool compatibility, and the ability to keep pace for weeks, not just a quick sprint.

1. NeoWork

At NeoWork, we work as a staffing and operations partner for teams that need extra capacity without turning everything into a giant reorg. Sometimes a client just needs one steady teammate. Sometimes it’s a small, managed squad that can take over a workflow and keep it moving. We handle recruiting, onboarding support, and the operational glue in between. And when people ask what really separates the model, two numbers tend to say it plainly: a 91% annualized teammate retention rate, plus a 3.2% candidate selectivity rate.

A big part of our work sits in insurance outsourcing services in India. That covers the real-world grind - customer support queues, policy servicing tasks, documentation checks, back-office follow-ups, and the reporting that shows what is actually happening week to week. It sounds straightforward. Then volume hits, edge cases pile up, and suddenly the “simple” process is anything but.

We’ve had customers using our insurance outsourcing services in India when they want consistency and coverage across repeated processes, not just short-term help. The setup blends people and process. Clear SOPs, predictable handoffs, and regular quality checks so the same issues don’t keep looping back.

Key Highlights: 

• Global staffing and managed operations options under one delivery model
• Structured hiring and onboarding support built around specific roles and tools
• Insurance workflow support that includes both frontline and back-office tasks
• Ongoing QA and reporting habits designed for repeatable processes

Services: 

• Insurance customer support and policyholder servicing support
• Claims intake support, document review, and case routing workflows
• Back-office processing for endorsements, renewals, and policy updates
• Workforce management, quality checks, and operational reporting for insurance teams

Contact Information:

• Website: www.neowork.com
• Facebook: www.facebook.com/neoworkteam
• LinkedIn: www.linkedin.com/company/neoworkteam
• Instagram: www.instagram.com/neoworkteam

2. WNS

WNS provides business process and operations support for insurance organizations, with a heavy focus on the day-to-day work that keeps policies and claims moving. In insurance outsourcing services, the company is often associated with claims handling across the full lifecycle, from first notice through assessment, adjudication, payments, and closure. It also supports underwriting-related operations, where teams need consistent intake, document control, and clean handoffs between systems and people. Some engagements lean into analytics and automation, especially around triage, fraud signals, and exceptions that slow down claims teams. The practical value is simple - fewer bottlenecks, steadier throughput, and less manual back-and-forth.

What Makes Them Stand Out:

• End-to-end claims support from intake to resolution
• Coverage across property and casualty and life operations
• Workflow support that blends operations with analytics and automation
• Experience working with common policy and claims platforms

Core Offerings:

• Claims intake and FNOL handling
• Claims triage, adjudication, and settlement coordination
• Underwriting support and policy administration assistance
• Subrogation support and recovery-oriented processing

Contact Information:

• Website: www.wns.com
• Facebook: www.facebook.com/wnsglobalservices
• Twitter: x.com/wnsholdings
• LinkedIn: www.linkedin.com/company/wns-global-services
• Instagram: www.instagram.com/wnsvibe
• Address: Plant No. 10/11, Gate No. 4,Godrej & Boyce Complex, Pirojshanagar, Vikhroli (West), Mumbai – 400 079, India
• Phone: +91 22 6826 2100

3. Cogneesol

Cogneesol delivers insurance outsourcing services that are built around operational execution, not slogans. The work typically sits close to brokerage and agency workflows, where speed and accuracy matter more than fancy language. It covers tasks that teams touch every day: submissions, policy servicing, claims setup, and the admin work that keeps accounts tidy.

A noticeable part of the offering is the split between distribution support and underwriting or policy support. That division makes sense in real insurance operations, where brokers, underwriters, and service teams run on different rhythms. Alongside the core processing, the company also lists insurance analytics capabilities that connect operational data with reporting needs. No drama. Just the stuff that has to get done.

Why They Stand Out:

• Broker and agency operations support tied to day-to-day servicing
• Underwriting and policy support spanning new business through renewals
• Claims support covering setup, assessment steps, and follow-ups

Service Areas:

• Client profiling, placement support, and invoicing assistance
• Submission handling, quote binders, endorsements, and cancellations
• FNOL setup, claims adjustment support, and settlement coordination
• Insurance analytics for underwriting, claims, and portfolio tracking

Contact:

• Website: www.cogneesol.com
• E-mail: info@cogneesol.com
• Twitter: x.com/cogneesol
• LinkedIn: www.linkedin.com/company/cogneesol
• Address: D 253, Phase 8A Industrial Area, Sector 75, SAS Nagar, Punjab 160055, INDIA (Mohali)
• Phone: +91 172 666 1000

4. FBSPL

FBSPL works in insurance outsourcing services with an emphasis on back-office execution for agencies, brokerages, and insurance operations teams. The company describes insurance BPO support as a way to offload repeatable work without losing control of process steps. Think policy processing, data-heavy servicing tasks, and claims support that needs consistent follow-through. Short version: less chaos.

A big slice of the insurance work centers on policy processing. That includes routine but sensitive tasks like issuance checks, renewals, endorsements, and validation steps that reduce rework later. It also lists claims support and broader administrative services, which matters when operations teams are juggling inboxes, carrier portals, documents, and deadlines. Some clients need help at the edges too, like loss runs processing and cleanup work that improves file quality.

The overall pattern is operational coverage across the policy lifecycle, plus support functions that keep service teams responsive. Not everything is glamorous. Most of it is necessary. That is the point.

Standout Qualities:

• Policy processing support across issuance, checking, renewals, and endorsements
• Back-office workflows aligned with agency and brokerage servicing routines
• Claims support that focuses on consistency and turnaround discipline

What They Offer:

• Insurance policy processing and servicing support
• Claims administration assistance and status tracking
• Loss runs processing and reporting preparation
• Customer support and back-office coordination for insurance teams

Contact Information:

• Website: www.fbspl.com
• E-mail: support@fbspl.com
• Facebook: www.facebook.com/FBSPLTeam
• Twitter: x.com/FBSPLTeam
• LinkedIn: www.linkedin.com/company/fbsplteam
• Instagram: www.instagram.com/fbsplteam 
• Address: F-37, IT Park, MIA Extension Udaipur, Rajasthan, India 313002
• Phone: +91-977-227-9996

5. Invensis

Invensis provides business process outsourcing support for insurance teams that want routine work handled outside the core office. The insurance delivery side usually sits around back-office processing - claims intake steps, policy servicing tasks, and the kind of data-heavy admin work that piles up fast. It also covers operational pieces tied to underwriting support, billing-related checks, and day-to-day customer queries, depending on what an insurer delegates. A lot of it is about getting clean, consistent records, so downstream decisions do not get tripped up by missing fields or messy documents. Small details matter here. Think scanning, validation, handoffs, and status updates that keep cases moving.

Standout Qualities:

• Claims data capture, verification, and structured record maintenance
• Support across policy servicing tasks such as renewals and requested changes
• Back-office handling aligned with common insurance workflows and controls

Service Scope:

• Insurance claims data entry and digitization support
• Claims verification steps and payment workflow coordination
• Policy servicing support such as renewals, updates, and premium-related requests
• Case status updates and inbound policyholder support

Contact Information:

• Website: www.invensis.net
• E-mail: sales@invensis.net
• Facebook: www.facebook.com/invensis
• Twitter: x.com/Invensis
• LinkedIn: www.linkedin.com/company/invensis
• Address: #1321, Sarakki Extension 15th Cross, 100 Feet Ring Road, JP Nagar 2nd Phase, Marenahalli, Bangalore - 560 078
• Phone: +91 80 2659 5899

6. IMS Datawise

IMS Datawise focuses on insurance operations outsourcing with a process-led setup, often framed as managed business processes rather than one-off tasks. The service mix typically spans underwriting support, claims handling, policy administration, and customer-facing back-office support. It leans into repeatable workflows, so everyday processing does not rely on ad-hoc fixes or tribal knowledge. Short version: fewer surprises.

On delivery, the work often includes structured handling of personal and commercial insurance operations, with attention to the “middle” of the lifecycle - from policy servicing through claims follow-up. There is also a governance layer around risk and compliance support, plus billing and payments activities that need careful reconciliation. Some teams want speed. Others want fewer exceptions. The model is built to cover both.

What They Do Well:

• Underwriting, policy, and claims work organized as managed operational streams
• Risk and compliance support built into routine processing
• Billing and payment tasks handled alongside core policy workflows

Core Offerings:

• Underwriting support and pre-issue processing assistance
• Policy administration and servicing work including routine updates
• Claims management support from intake through ongoing handling
• Risk and compliance support plus billing and payments processing

Contact Information:

• Website: imsdatawise.com
• E-mail: info@imsdatawise.com
• Facebook: www.facebook.com/IMSDatawise
• LinkedIn: www.linkedin.com/company/ims-datawise
• Instagram: www.instagram.com/ims_datawise
• Address: C-26-C1, 3rd Floor, Malviya Nagar, Jaipur-302017, Rajasthan, India
• Phone: +91 79 6827 4444

7. Tammina Insurance Services

Tammina Insurance Services is centered on insurance outsourcing work that looks and feels like an extension of an internal operations desk. The core emphasis sits on policy handling, claims activity, and the constant admin flow that agencies and carriers juggle every week. It is not abstract. It is the “please process this today” layer.

A noticeable part of the offering is policy management - day-to-day changes, renewals, cancellations, and document handling that has to stay consistent across systems. New business support also shows up as a distinct track, including application processing, quoting-related preparation, and policy issuance steps. Some insurance teams drown in submissions. This is the kind of support aimed at keeping the queue under control.

On the finance-adjacent side, the service set often includes premium processing and back-office support tied to invoicing, reconciliation, and record organization. Commission handling can be part of the package as well, especially when agencies need cleaner tracking and fewer spreadsheet surprises. Slow errors cost time. Fast ones cost trust. Outsourcing here is mostly about lowering both.

What Makes Them Unique:

• Policy processing coverage that includes renewals, endorsements, and issuance steps
• Claims handling support designed around ongoing updates and follow-through
• New-business assistance for submissions, quoting tasks, and onboarding workflows
• Operational add-ons such as premium processing and commission administration

Work Streams:

• Policy management support including renewals, updates, and cancellations
• Claims management support from first notice through ongoing coordination
• New business processing including submissions and issuance assistance
• Premium processing, commission management, and back-office reconciliation work

Contact Information:

• Website: www.tamminais.com
• E-mail: info@tamminais.com
• Facebook: www.facebook.com/techtamminainsurance
• Twitter: x.com/techtamminais
• LinkedIn: www.linkedin.com/company/tech-tammina-insurance
• Instagram: www.instagram.com/techtamminainsurance
• Phone: +91-891-2555-200/204

8. Infosys

Infosys supports insurance organizations with outsourcing that sits right inside everyday operations, not on the sidelines. The insurance work typically spans new business processing, underwriting support, policy administration, and claims management, so the flow does not break when volumes spike or when rules change. A lot of the value comes from process discipline - clean handoffs, consistent validation, and fewer “where is this file” moments. It also brings analytics into the mix for things like portfolio views, reserve adequacy checks, and operational reporting, which can reduce guesswork when teams need to prioritize. On the life and annuities side, the support often touches policy servicing and producer or commission-related processing, which is the kind of detail work most insurers cannot afford to let drift. 

Standout Qualities:

• Coverage Across New Business, Underwriting, Policy Work, And Claims Operations
• Platform-Driven Workflows Used For Repeatable Processing
• Analytics Support For Operational Visibility And Portfolio-Level Reporting

Service Focus Areas:

• New business intake, case setup, and documentation checks
• Underwriting support and risk review preparation
• Policy administration support for servicing, changes, and renewals
• Claims processing support from intake through resolution tracking
• Commission and producer-related processing support

Contact:

• Website: www.infosys.com
• Facebook: www.facebook.com/Infosys
• Twitter: x.com/Infosys
• LinkedIn: www.linkedin.com/company/infosys
• Address: Plot No. 44/97 A, 3rd cross, Electronic City, Hosur Road, Bengaluru - 560 100
• Phone: +91 80 2852 0261

9. Flatworld Solutions

Flatworld Solutions positions insurance outsourcing services around core operational tasks that keep policies and claims moving. The work often includes claims processing, underwriting support, policy administration, customer service, document management, and structured data entry. It reads like the “unsexy” part of insurance, but that is where backlogs form first. So the emphasis tends to be on steady throughput, cleaner files, and fewer avoidable rework loops.

One thing that stands out is the way services are packaged, with options that range from targeted task support to managed operations. Some teams use a build-operate-transfer approach when they want an outsourced setup first and internal control later. Others prefer managed services that track daily performance and service levels without constant escalation. It is a practical menu, not a single rigid model.

Key Points:

• Insurance Operations Support Across Claims, Underwriting, And Policy Admin
• Flexible Delivery Models Including Managed Services And Build-Operate-Transfer
• Document Handling And Data Processing Built Into Routine Workflows
• Coverage For Carrier And Agency Back-Office Requirements

Services Cover:

• Claims processing support including documentation and follow-up tracking
• Underwriting assistance such as file prep and submission checks
• Policy administration work for servicing, renewals, and endorsements
• Customer support operations for policyholder requests and updates
• Document management and structured data entry for insurance teams

Contact Information:

• Website: www.flatworldsolutions.com
• E-mail: info@flatworldsolutions.com
• Facebook: www.facebook.com/p/Flatworld-Solutions-100083043685200
• Twitter: x.com/flatworldsols
• LinkedIn: www.linkedin.com/company/flatworld-solutions
• Instagram: www.instagram.com/flatworldsolutions
• Address: No.6, Banaswadi Main Road, Dodda Banaswadi, Bangalore - 560 043, India
• Phone: 800-514-7456

10. iShore Business Solutions

iShore Business Solutions provides insurance outsourcing services that lean into back-office processing, workflow support, and the day-to-day mechanics of regulated operations. The insurance side often includes policy administration tasks where accuracy matters more than speed alone. This is the world of forms, validations, and repeated checks. It can feel endless.

A second thread is financial operations support tied to billing, payment posting, and reconciliation. These are small steps, but one mismatch can spread fast across accounts and reports. The outsourcing model is built to keep records tidy and auditable, with routines that reduce noise and cut down on manual clean-up later.

Another area is compliance-heavy support work, including KYC, AML, and document validation, plus customer onboarding and query handling for insurance and finance teams. The focus is usually on consistency - the same checks, the same rules, the same output format. Not glamorous. Useful.

What Makes Them Unique:

• Back-Office Processing Designed For Regulated Finance And Insurance Workflows
• Policy Administration Support With An Emphasis On Accuracy And Compliance
• Billing, Payment Posting, And Reconciliation Included In Operations Coverage

Core Offerings:

• Insurance policy administration support and servicing workflows
• Billing operations support including payment posting and reconciliation
• KYC and AML processing plus document validation and review
• Customer onboarding support and query resolution operations
• Data entry, documentation handling, and operational reporting support

Contact Information:

• Website: www.ishorebusinesssolutions.com
• E-mail: office@ishorebusinesssolutions.com
• Facebook: www.facebook.com/ishoresoftwaresolutions
• Twitter: x.com/ishoresoftware
• LinkedIn: www.linkedin.com/company/ishore-software-solutions
• Address: H-133, Sector 63, Noida, Uttar Pradesh 201301, India
• Phone: +91 852 793 6709

11. Data Outsourcing India

Data Outsourcing India provides back-office support built around insurance paperwork and the data that sits behind it. A lot of the work is practical and repetitive - capturing fields from claim forms, indexing documents, and keeping records organized so teams can actually find things later. The company frames its insurance outsourcing around handling high document volumes, including handwritten, scanned, and digital files, with structured checks during entry. It also leans into document conversion tasks, such as scanning and OCR workflows, where paper-heavy processes need to move into searchable formats. Beyond pure entry, the offering extends into data management tasks like cleansing, standardization, and de-duplication, which matters when policy and claims systems start drifting out of sync. Simple idea, real impact.

What Makes Them Stand Out:

• Insurance claim form processing with structured verification steps
• Scanning and OCR workflows for converting insurance documents into editable formats
• Document indexing and archiving for faster retrieval during claim handling
• Data management support focused on cleansing, de-duplication, and standardization

Core Offerings:

• Insurance claim form processing and intake data capture
• Insurance document data entry from scanned, handwritten, and printed records
• Scanning and OCR conversion for insurance files
• Document indexing, tagging, and archiving for insurance repositories
• Data cleansing, enrichment, and database maintenance for insurance records

Contact:

• Website: www.dataoutsourcingindia.com
• E-mail: info@dataoutsourcingindia.com
• Facebook: www.facebook.com/dataoutsourcing.india
• Twitter: x.com/DOINDIA
• LinkedIn: www.linkedin.com/company/data-outsourcing-india
• Address: T-2, 3rd Floor, HL Plaza, Plot No.9, Pocket 2, Sector 12, Dwarka, New Delhi, 110075 (India)
• Phone: +91 11 43533874

12. iStudio Technologies

iStudio Technologies positions its insurance outsourcing as a mix of back-office operations and process support that sits close to day-to-day insurance administration. It is not only about typing values into fields. It is also about keeping workflows moving when there are multiple steps, multiple stakeholders, and plenty of follow-ups. The company’s insurance BPO page groups services around operational tasks that carriers, agencies, and providers often offload when internal teams get stretched. Short version: routine work gets handled outside the core team.

A noticeable part of the offering is sales-adjacent and operations-adjacent support, such as appointment setting, reporting support, and administrative coordination. Another chunk is finance-facing, with insurance accounting and commission management listed as separate service lines. The site also mentions broader insurance process improvement, phrased as BPM support for insurers and related organizations. It reads like a menu built for teams that need coverage across the messy middle of insurance operations - not just one task.

Why People Choose Them:

• Insurance-focused back-office support spanning admin, reporting, and coordination
• Insurance accounting and commission management as defined service tracks
• Process monitoring and improvement work framed as BPM for insurance workflows

Their Focus Areas:

• Insurance appointment setting and outreach support
• Insurance accounting and bookkeeping assistance
• Commission tracking and commission management workflows
• Insurance reporting support and operational monitoring
• Business process management support for insurance operations
• Warranty claims management and related back-office handling
• Insurance data entry for claims and policy documentation
• Insurance customer support and service operations

Contact Information:

• Website: www.istudiotech.in
• E-mail: info@istudiotech.in
• Facebook: www.facebook.com/istudiotech
• Twitter: x.com/istudiotech
• LinkedIn: www.linkedin.com/company/istudiotech
• Instagram: www.instagram.com/istudio_technologies
• Address: 4th Floor, A Wing, Chakala, Andheri-Kurla Road, Andheri (East), Mumbai, Maharashtra, 400093, India
• Phone: +91 88070 03902

13. Offshore India Data Entry

Offshore India Data Entry leans heavily into insurance operations where speed and structure matter, especially around claims. The site talks about insurance claim processing as a defined service, with customization depending on how a client wants the workflow handled. No mystery. Claims come in, the paperwork gets sorted, and the data has to be correct.

Another slice of the insurance work sits around form handling. The company describes insurance form scraping and insurance form processing as a way to pull data from documents and push it into usable databases or formats. That can mean structured capture from standard forms, or extraction from less tidy inputs. It is the kind of task that quietly eats hours inside insurance teams.

There is also a more general document data entry angle that explicitly mentions insurance documents. The pitch here is organization - capturing and arranging insurance information so it is easier to retrieve during claims management and follow-up work. It overlaps with scanning, indexing, and data services that often sit next to claims operations anyway. A lot of insurance outsourcing looks like this in practice: small tasks, repeated thousands of times, and easy to bottleneck if nobody owns them.

What They’re Good At:

• Insurance claim processing support structured around claim lifecycle steps
• Insurance form scraping and form data capture for building usable datasets
• Insurance document data entry focused on organizing records for retrieval
• Document digitization support using OCR-style conversion and indexing workflows

Services Cover:

• Insurance claim processing and claim file preparation
• Insurance form scraping and insurance form data entry
• Insurance document data entry and record organization
• Data extraction and structured capture from insurance paperwork
• Scanning, indexing, and document management support for insurance files
• Data processing support tied to claims and insurance back-office workflows

Contact Information:

• Website: www.offshoreindiadataentry.com
• E-mail: info@offshoreindiadataentry.com
• Facebook: www.facebook.com/offshoreindiadataentry
• Twitter: x.com/OffshoreBPO
• LinkedIn: www.linkedin.com/company/offshore-india-data-entry
• Instagram: www.instagram.com/offshore_india_data_entry
• Address: Plot No. 17, Door no 5, 2nd Floor, Cochin Special Economic Zone, Kakkanad - Kochi, Kerala - 682037, India
• Phone: +91 989 571 8589

14. Tech2Globe

Tech2Globe offers insurance outsourcing services that lean toward claims-heavy operations, especially the parts that generate a lot of files and back-and-forth. A typical setup includes claims processing support and claims data entry, where accuracy matters because a small mismatch can ripple through approvals and payments. Short tasks. Lots of them. The company also lists insurance data collection work, which usually means gathering, organizing, and structuring information so downstream teams are not hunting through scattered documents. Another related area is forms and document processing, including insurance claim forms that need clean capture and consistent formatting before anything else can happen. It reads like an operations-first approach - steady processing, structured checks, and predictable handoffs.

Standout Qualities:

• Claims-Oriented Processing With Data Capture And Verification Steps
• Form And Document Handling Built Around Structured Intake Work
• Support For Insurance Data Collection And Record Organization

Service Lines:

• Insurance claims processing support and case follow-up handling
• Insurance claims data entry and file setup assistance
• Insurance data collection and record compilation work
• Insurance claim form processing and document preparation

Contact Information:

• Website: www.tech2globe.com
• E-mail: info@tech2globe.com
• Facebook: www.facebook.com/tech2globe.software
• Twitter: x.com/Tech2Globe
• LinkedIn: www.linkedin.com/company/tech2globe
• Instagram: www.instagram.com/tech2globeweb
• Address: 701, 7th Floor, Tower B, Logix Cyber Park, C Block, Phase 2, Sector 62, Noida, Uttar Pradesh 201301, India
• Phone: +91-9899675039

15. NexGen Data Entry

NexGen Data Entry is built around back-office outsourcing where insurance work shows up as defined service lines, not a vague add-on. Insurance claim entry is listed under data entry, which is usually the “get it into the system correctly” step that decides whether the rest of the claim flows smoothly. Small stuff matters here. A missing date, a swapped digit, an attachment in the wrong place - that kind of thing.

On the processing side, insurance claim processing is also listed directly, along with form processing and scanning or indexing services that support document-heavy insurance workflows. It also includes OCR or ICR options, which helps when claim documents arrive as scans, photos, or mixed formats. Another layer sits around data cleansing and data conversion, which can be useful when insurance teams are merging spreadsheets, older databases, and portal exports into something consistent. The overall picture is practical - intake, processing, conversion, and document handling, all tied to the same operational loop.

Key Points:

• Insurance Claim Entry Listed As A Dedicated Data Entry Service
• Insurance Claim Processing Included Within Data Processing Services
• OCR And Scanning Options For Document-Heavy Claim Workflows
• Data Cleansing And Conversion Services For Standardizing Records

Services Cover:

• Insurance claim entry and structured data capture from claim documents
• Insurance claim processing support including form-based workflows
• Form processing for insurance paperwork and related intake files
• Scanning, indexing, and OCR-style conversion for insurance documents
• Data cleansing and data conversion for insurance records and datasets

Contact:

• Website: nexgendataentry.com
• E-mail: support@nexgendataentry.com
• Facebook: www.facebook.com/Nexgendataentry
• Twitter: x.com/nexgendataentry
• LinkedIn: www.linkedin.com/company/nexgen-data-entry-services
• Instagram: www.instagram.com/nexgendataentryindia 
• Address: SDF 17, IInd Floor, Cochin Special Economic Zone, Kakkanad - Kochi,
• Kerala - 682 037, India
• Phone: +91-9188400384

Conclusion

The Insurance outsourcing services companies in the India market looks durable long-term. Insurance teams will not stop handling claims, servicing policies, and working through documents, but the way the work is done keeps shifting. More standards. More automation alongside people.

The companies covered here reflect different operating models within Insurance outsourcing services companies in India. Some focus on full-cycle claims work, others on disciplined back-office and supporting workflows. A good fit comes down to task type, cadence, and delivery discipline. And yes, starting with a pilot is usually the sensible move.