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Old 31st March 2009, 19:11   #136
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Originally Posted by rjvora_2000 View Post
Let me tell you Sirji Bajaj is the best in the business as far as motor insurance is concern. - Just a non-commercial advice. (My personal opinion, I can be wrong also.)
Is it so !! Any particular reason ?? Let me catch hold of the bajaj's person meanwhile !!

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Old 31st March 2009, 19:59   #137
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Idv - Insured (This is only you and nothing else.) Declared Value. - What ever you want to declare will be covered. Normally it is between 10 to 20 % less then the last year's IDV. No fix calculation for this.
Thank you rjvora for the clarification
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Old 1st April 2009, 08:35   #138
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Is it so !! Any particular reason ?? Let me catch hold of the bajaj's person meanwhile !!
See my post no. 104 in private company they are the highest in the business. Service level is too good.
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Old 1st April 2009, 11:33   #139
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See my post no. 104 in private company they are the highest in the business. Service level is too good.
I am trying best to get in touch with Bajaj's person who followed me up and gave quotation... but some how cannot reach him in spite of so many efforts

Meanwhile i have received the following quotation from Bharti AXA. Can you look at it.. it looks OK to my novice eyes.

Name:  bhartiaxa.jpg
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I am holding up the check, as insurance is to be expire 3rd April midnight, and will hand-over to Bharti AXA or Reliance today evening.

Another thing, i presume clearing of check and availability of handwritten cover note is as good as a valid poilcy ??
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Old 1st April 2009, 11:54   #140
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Originally Posted by ashthedivx View Post
I am trying best to get in touch with Bajaj's person who followed me up and gave quotation... but some how cannot reach him in spite of so many efforts

Meanwhile i have received the following quotation from Bharti AXA. Can you look at it.. it looks OK to my novice eyes.

Attachment 118682

I am holding up the check, as insurance is to be expire 3rd April midnight, and will hand-over to Bharti AXA or Reliance today evening.

Another thing, i presume clearing of check and availability of handwritten cover note is as good as a valid poilcy ??
Best quote. Show this quote to other companies. I think they will give you same quotes like this one. Do not change anything in tp side of the premium.
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Old 1st April 2009, 12:02   #141
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Thanks, Already done that.. mailed the quote to the reliance guy

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Another thing, i presume clearing of check and availability of handwritten cover note is as good as a valid poilcy ??
Care to answer this query as well !!
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Old 1st April 2009, 12:12   #142
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Thanks, Already done that.. mailed the quote to the reliance guy

Care to answer this query as well !!
Opps...

Sorry I missed that point... Cover note is equal to insurance policy.

This is a temporary document which is issued by insurance company till the time insurance policy comes in your hand. It is 100% a valid document till two months after it is issued. Till that time insurance policy has to come in your hand.
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Old 1st April 2009, 12:23   #143
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Opps...

Sorry I missed that point... Cover note is equal to insurance policy.

This is a temporary document which is issued by insurance company till the time insurance policy comes in your hand. It is 100% a valid document till two months after it is issued. Till that time insurance policy has to come in your hand.
Thanks again !!
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Old 1st April 2009, 16:25   #144
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As per the recommendation, picked up Bajaj Allianz with same IDV, insurance etc @ 10600 Rs.
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Old 3rd April 2009, 16:48   #145
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As per the recommendation, picked up Bajaj Allianz with same IDV, insurance etc @ 10600 Rs.
Let me tell you, you have got the best deal from your insurance policy.
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Old 3rd April 2009, 21:59   #146
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guys i called my service adviser at MASS and he said they dont have cashless claim facility for nationalised companies. is this true? my car is 9 months old and want to claim a dent on the boot and scratches on the bumper of my swift. my insurance is with national insurance. please tell me cashless is still possible.
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Old 4th April 2009, 09:19   #147
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guys i called my service adviser at MASS and he said they dont have cashless claim facility for nationalised companies. is this true? my car is 9 months old and want to claim a dent on the boot and scratches on the bumper of my swift. my insurance is with national insurance. please tell me cashless is still possible.
I don't think so. If they don't have the tie-ups then you have to pay for the claim first and then insurance company will give you refund for that claim.

Remember you have to arrange for the insurance loss survey. You will have to call insurance company and inform them about the loss.
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Old 4th April 2009, 12:35   #148
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Originally Posted by rjvora_2000 View Post
I don't think so. If they don't have the tie-ups then you have to pay for the claim first and then insurance company will give you refund for that claim.

Remember you have to arrange for the insurance loss survey. You will have to call insurance company and inform them about the loss.
thanks man!
just came back home from MASS. national insurance and maurti insurance is the same. thats what my adviser told me. so its cashless for me. only rs500 will be charged as per the clause.
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Old 5th April 2009, 17:09   #149
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My insurance for civvy is due for renewal next month. I have got some quotes from ICICI, Bajaj, Reliance and Royal sundaram from the web. But seems there are a lot of difference in premium.

ICICI - 13674
Bajaj - 17460
Reliance - 18449
Royal sundaram - 16125

All have more or less the same IDV and features.

My current one is ICICI and they seem to be competitive this time too. Heard lot of negatives from this forum against ICICI. But how is it possible that they can give a premium so low.

The same thing happened last year as well ICICI gave 23k, where as the nearest competitor had give 30k+

Any suggestions?
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Old 6th April 2009, 08:53   #150
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Originally Posted by laluks View Post
My insurance for civvy is due for renewal next month. I have got some quotes from ICICI, Bajaj, Reliance and Royal sundaram from the web. But seems there are a lot of difference in premium.

ICICI - 13674
Bajaj - 17460
Reliance - 18449
Royal sundaram - 16125

All have more or less the same IDV and features.

My current one is ICICI and they seem to be competitive this time too. Heard lot of negatives from this forum against ICICI. But how is it possible that they can give a premium so low.

The same thing happened last year as well ICICI gave 23k, where as the nearest competitor had give 30k+

Any suggestions?
Take the Icici quote and give it to Bajaj (Show them the quote from Icici) I am sure any company will come down on rates when they see the quote.

This will also help you because if any company is hiding something from you the other company guy may tell you the truth.
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