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Old 1st May 2009, 00:10   #181
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Originally Posted by janitha View Post
Why not insure the Anti Theft Device too?
Good one I think the entire reason for getting the device gets defeated isnt it?
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Old 2nd May 2009, 18:15   #182
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Originally Posted by IndrojitSircar View Post
Hi everyone ,

The insurance for my maruti 800 has expired about 3 years back. Havn't got around to getting it renewed.Now could you please tell me what should i do.Should i take a new policy from another insurance comapny or do i go back and tell them about it. Will any penalty apply?If yes then how much ? Please suggest
You can go to any company and for fresh insurance only. There is nothing like penalty or anything like that.
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Old 4th May 2009, 09:25   #183
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Originally Posted by sabret00the View Post
@ rjvora_2000: Does it really help to have a Anti Theft Device (eg. Xenos Central Locking or Autocop) installed in the car with respect to Insurance Premium. Can one get additional discount on the premium amount if such a device is installed. Further, does one need to furnish the bill of the Anti Theft device to the insurance company to avail of the additional discount if any.
You will get a discount of Max 250 INR for anti theft device.
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Old 4th May 2009, 16:00   #184
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You will get a discount of Max 250 INR for anti theft device.
Yes you are 100% right it is 5% or Rs. 250/- which ever is the lower.
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Old 4th May 2009, 16:18   #185
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Yes you are 100% right it is 5% or Rs. 250/- which ever is the lower.
Will a copy of the bill and warranty suffice or does one needs to submit a "Installation Certificate" to claim the above discount. I have installed a Xenos Failsafe 180 4A Car Security System. Can I claim benefit as you have mentioned above.
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Old 5th May 2009, 08:51   #186
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Will a copy of the bill and warranty suffice or does one needs to submit a "Installation Certificate" to claim the above discount. I have installed a Xenos Failsafe 180 4A Car Security System. Can I claim benefit as you have mentioned above.
Copy of bill will do.

Is this system is approved by R.T.O.?
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Old 5th May 2009, 18:58   #187
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Originally Posted by rjvora_2000 View Post
You can go to any company and for fresh insurance only. There is nothing like penalty or anything like that.


Would any other company ask for the old policy papers?
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Old 8th May 2009, 09:11   #188
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Would any other company ask for the old policy papers?
Only RC book in enough. No other document required in your case.
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Old 10th May 2009, 19:58   #189
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I have a few queries regrading the insurance of my car.

1) Somebody has been intentionally scratching all over my car intentionally. Several fine scratches are visible on all four doors and the boot lid. Can I claim an insurance on that?

2)Can Insurance companies reject claims saying that the scratches are too fine to be claimed?

3) Can I claim multiple minor accidental scratches as a single claim?
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Old 10th May 2009, 21:02   #190
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Originally Posted by mentos View Post
I have a few queries regrading the insurance of my car.

1) Somebody has been intentionally scratching all over my car intentionally. Several fine scratches are visible on all four doors and the boot lid. Can I claim an insurance on that?

2)Can Insurance companies reject claims saying that the scratches are too fine to be claimed?

3) Can I claim multiple minor accidental scratches as a single claim?

If the scratches are indeed too fine, won't a rubbing and polishing do the job?

But it seems only finding the culprit will be a permanent solution.
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Old 10th May 2009, 22:03   #191
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Originally Posted by janitha View Post
If the scratches are indeed too fine, won't a rubbing and polishing do the job?

But it seems only finding the culprit will be a permanent solution.
The scratches aint fine enough to go away by rubbing. And they are in plenty.

Given a choice between a free paint job and the culprit, I would choose the latter. But you know, its not easy to spot him.
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Old 11th May 2009, 11:36   #192
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Originally Posted by mentos View Post
I have a few queries regrading the insurance of my car.

1) Somebody has been intentionally scratching all over my car intentionally. Several fine scratches are visible on all four doors and the boot lid. Can I claim an insurance on that?

2)Can Insurance companies reject claims saying that the scratches are too fine to be claimed?

3) Can I claim multiple minor accidental scratches as a single claim?
This is a basic principal of insurance:-
Anything which is Intentional can not be covered under insurance. Under insurance you can claim only un-intentional losses.

You can not claim Multiple accidents in one claim. you have to take claim every time whenever there is a loss.

Quote:
Originally Posted by mentos View Post
The scratches aint fine enough to go away by rubbing. And they are in plenty.

Given a choice between a free paint job and the culprit, I would choose the latter. But you know, its not easy to spot him.
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Old 11th May 2009, 15:25   #193
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Originally Posted by rjvora_2000 View Post
This is a basic principal of insurance:-
Anything which is Intentional can not be covered under insurance. Under insurance you can claim only un-intentional losses.
I was told by a service executive at the MASS that I can claim such damages after I have made a police complaint against unidentified culprits. Please confirm .
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Old 14th May 2009, 15:50   #194
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I was told by a service executive at the MASS that I can claim such damages after I have made a police complaint against unidentified culprits. Please confirm .
I need to check this with some insurance company please give me time for a day or two. but i don't think so that it is covered.
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Old 15th May 2009, 22:24   #195
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Quote:
Originally Posted by mentos View Post
I have a few queries regrading the insurance of my car.

1) Somebody has been intentionally scratching all over my car intentionally. Several fine scratches are visible on all four doors and the boot lid. Can I claim an insurance on that?

2)Can Insurance companies reject claims saying that the scratches are too fine to be claimed?

3) Can I claim multiple minor accidental scratches as a single claim?
In my opinion, the scratches to the vehicle are payable. But it depends on the insurance company too. As regards multiple accidents, accumulated damages are not payable.
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