Crossword Genius

Payment for insurance before parent’s going around India (7)

Ross

I believe the answer is:

premium

'payment for insurance' is the definition.
(I've seen this before)

'before parent's going around india' is the wordplay.
'before' becomes 'pre'.
'parent' becomes 'mum' (mum is a kind of parent).
'going around' is an insertion indicator.
'india' becomes 'i' (phonetic alphabet: alpha, bravo, charlie etc.).
'mum' going around 'i' is 'mium'.
'pre'+'mium'='PREMIUM'

(Other definitions for premium that I've seen before include "bonus payment" , "highest quality" , "Reward - payment for insurance" , "Insurance charge" , "Higher price - better quality" .)

I've seen this clue in The Times.
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