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| | #91 (permalink) | |
| BHPian Join Date: Jan 2007 Location: Trivandrum
Posts: 71
| Quote:
What u can do is take a third party for your old car and then transfer the comprehensive to the new car you are planning to buy. I was going thru the thread and I think now we have a maximum NCB of 50%. It doesnt go beyond 50%. 65% NCB is for old insurance policy which was taken probably 10 or 15 yrs back. Correct me if I am wrong. I had used my NCB of my old car when I bought my new Viva in 2004. At that time I had a UNO which I had used for 4 years and had 50% NCB. At that time I had checked with my insurance agent and he told that 50% is the maximum you can get. Cheers!!! | |
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| | #92 (permalink) |
| Super-Admin | Most probably, you would be claiming NCB from the second year onward. Unless you can convince your insurance company to give you a refund once the NCB certificate is forwarded to them.
__________________ GTO Self-imposed limits are the only type that exist. Break them....then, make it a habit. Exceed.
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| | #94 (permalink) | ||
| Newbie Join Date: Feb 2004 Location: Mumbai
Posts: 44
| Quote:
What you could do is, take 3rd party insurance till you sell the old vehicle then transfer the NCB - (though I'm not sure if you are allowed 3rd party ins on a new vehicle). FYI - once you sell a vehicle the NCB can be transfered within 3 years to the new vehicle. Quote:
Here too I have the view that you cannot sell/ transfer the insurance to the new owner. Last edited by Gerardfdz : 31st October 2007 at 17:21. | ||
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| | #95 (permalink) | |
| BHPian Join Date: May 2006 Location: mostlly bangalore
Posts: 66
| Regarding the 65% no NCB, I was speaking to somebody from HDFC chubb who confirmed the rules were changed some time back. ( think its less then 3 years back but cant be certain ) the maximum NCB possible now is 50%. Quote:
What does GIC stand for? does this include the private insurance companies? And any idea where I can get a list of all the insurance companies in this organization? | |
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| | #96 (permalink) | |
| Super-Admin | Quote:
__________________ GTO Self-imposed limits are the only type that exist. Break them....then, make it a habit. Exceed.
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| | #97 (permalink) | |
| Senior - BHPian Join Date: Feb 2005 Location: Chennai
Posts: 1,321
| Motor Insurance FAQ Quote:
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| | #98 (permalink) | |
| BHPian | Quote:
__________________ Cheers.....Rajiv SX4-ZXi, May 2008, 1500KM, FE City 10.5-12, 100% AC Maruti 800, 1999, 7800 KM, 19KM/L Indica V2, Sold at 97234KM | |
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| | #99 (permalink) | |
| Senior - BHPian Join Date: Feb 2005 Location: Chennai
Posts: 1,321
| Quote:
What they mean by class is "Private vehicle to Private vehicle". Hence you can transfer you Indica NCB to Safari. ps: Post edited Last edited by Surprise : 17th November 2007 at 10:46. Reason: Correction | |
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| | #100 (permalink) |
| Newbie Join Date: Oct 2007 Location: Trivandrum
Posts: 3
| Quick question here... I am trying to sell my old indica to third party dealer and going to buy a new Getz... The third party dealer insists that the insurance also be sold along with the car.. I dont want to do that because insurace has 50% NCB which i can use for my new car The dealer insists that it is standard practise that they get back cars included with the insurance.... Just wanted to check with the knowledgeble folks here |
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| | #101 (permalink) |
| BHPian Join Date: Jan 2007 Location: Trivandrum
Posts: 71
| Thomas, What I would suggest is get a third party insurance for the old car and hand over the same to the dealer to whom u r selling the car. That is the best bargain u can have. Cheers! |
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| | #102 (permalink) | |
| BHPian | Quote:
__________________ "Reality continues to ruin my life" Last edited by determinus : 21st November 2007 at 16:11. | |
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| | #104 (permalink) |
| BHPian Join Date: Apr 2006 Location: Karamattom, Aluva, Kotagiri, Yercaud, Hospet, Indore, Nashik, Pune (now)
Posts: 230
| Another question. Let us say I bought a car and during the first year no claims were made. This makes me eligible for the NCB in the second year. Now in the second year, if I make a claim, I cannot have NCB in the third year. If in the third year, no claims were made, then can I get the benefit of NCB in the fourth year? |
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