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Old 1st September 2017, 08:10   #3901
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Originally Posted by ninjatalli View Post
[*]Look for options in the market for comprehensive coverage and 35% NCB. However I am not sure how the NCB and coverage fiasco will be considered by a competiting vendor, say Bajaj Allianz.
I would suggest to opt for this option. Keeping aside the issues you had with the renewal last time, no insurance co can stop you from claiming 35% NCB this year provided you had a claim free last year. I would suggest check for the quotes online with the Insurer providing cashless claims option, contact them and explain the situation. They will be happy to help you if you are a new business for them.

It does not matter whether you had only TPL coverage last year and this year you are buying a Comprehensive coverage, your IDV should be correct and if you bargain hard, you might get the new customer discount in addition to the eligible NCB.

Meanwhile to play safe, ask Tata AIG to endorse the NCB eligibility.
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Old 10th September 2017, 10:06   #3902
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Default Re: Automobile Insurance Queries? Ask me

Maybe not the right thread to ask this question, but putting it out - any reliable insurance agents based out of Mumbai that can help in renewals? Would ask bhpians with reliable contacts to pm me with their contact details.

Thanks in advance
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Old 17th September 2017, 14:33   #3903
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I was looking at quotes from HDFC ergo for my cars 5th year insurance. HDFC's website restricts the IDV to 5.18L and does not allow a voluntary deductible, the quote for zero depreciation and engine protector comes to 12k. On policy bazaar I get a quote of 8k with IDV 3.96L and voluntary deductible of 2.5k withe same add ons. My query is how is it the insurance company allow for a lower IDV and voluntary deductible from a 3rd party site and not their own? Any concerns with going ahead with policy bazaar?
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Old 18th September 2017, 08:02   #3904
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My query is how is it the insurance company allow for a lower IDV and voluntary deductible from a 3rd party site and not their own? Any concerns with going ahead with policy bazaar?
It is not the Insurance co which is allowing lower IDV, it is the comparator website which is giving you the option. That's precisely the reason I have been stressing in many of my posts that the online comparator websites should be used only for comparison.

Are you calculating the correct IDV? If yes, then speaking with the Insurance rep would clarify the reasons for a fixed IDV. IMHO you should not opt for voluntary deductible just because you could lower your premium by a few hundreds or thousands rupees.
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Old 18th September 2017, 20:13   #3905
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It is not the Insurance co which is allowing lower IDV, it is the comparator website which is giving you the option. That's precisely the reason I have been stressing in many of my posts that the online comparator websites should be used only for comparison.

Are you calculating the correct IDV? If yes, then speaking with the Insurance rep would clarify the reasons for a fixed IDV. IMHO you should not opt for voluntary deductible just because you could lower your premium by a few hundreds or thousands rupees.
Thank you. The IDV HDFC website is correct, it can be increased slightly if required, but I am not interested in over insuring. Policy bazaars IDV would under insure the car. Shall stick with HDFC but shall go through their website after talking to a rep.
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Old 21st September 2017, 20:08   #3906
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What's the meaning of unnamed passenger / named passenger? How does it affect the policy?

Thanks in advance.
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Old 21st September 2017, 20:19   #3907
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What's the meaning of unnamed passenger / named passenger? How does it affect the policy?

Thanks in advance.
Unnamed is any person you pick up in the car. Named could be individuals who regularly use your car - family members, driver etc. There are specific addons / provisions to cover the driver as well, in many policies.

Please read - http://www.team-bhp.com/forum/indian...rance-faq.html (Automobile Insurance - FAQ)
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Old 22nd September 2017, 00:02   #3908
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A very poor service from royal sundaram. The car is ready for delivery since last one week. Final inspection has been done 6 days back but not yet for the delivery order. Talked to several people starting from customer care to local claim settlement team, and all they are giving is false promises.
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Old 22nd September 2017, 06:30   #3909
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Hi all,
My 2013 Brio VX MT insurance is due for renewal. The dealer has given me a quote of 13k for a comprehensive bumper to bumper renewal. Since this is the last year of warranty, is there any point in going for a bumper to bumper? Opinions are appreciated.
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Old 26th September 2017, 09:27   #3910
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A very poor service from royal sundaram. The car is ready for delivery since last one week. Final inspection has been done 6 days back but not yet for the delivery order. Talked to several people starting from customer care to local claim settlement team, and all they are giving is false promises.
Surprised to note that the workshop is waiting for delivery instructions from the Insurance co. Ideally it is the responsibility of the workshop to coordinate with the Insurance co to do the paperwork rather than hold the car delivery. You should be chasing the workshop guys or the surveyor, Insurance guys will be of no help here.

Quote:
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Hi all,
My 2013 Brio VX MT insurance is due for renewal. The dealer has given me a quote of 13k for a comprehensive bumper to bumper renewal. Since this is the last year of warranty, is there any point in going for a bumper to bumper? Opinions are appreciated.
You should be opting for zero dep add on till the 5 yrs of ownership with ot without warranty. Remember the zero dep add on cost depends on the IDV, hence IDV calculation should be correct.
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Old 4th October 2017, 09:17   #3911
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I have searched through the thread, and not sure whether this is being answered anytime.

If my vehicle had a damage in an accident with another car (say a repair estimate of 50K), can I get it repaired by using the other parties third party insurance cover and not touching my insurance. I could only see mixed comments on this regard over the internet; some say it is possible, some say it is not, some say that it is a hassle etc.

Anyone out there who has got a concrete answer?
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Old 4th October 2017, 10:24   #3912
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I have searched through the thread, and not sure whether this is being answered anytime.

If my vehicle had a damage in an accident with another car (say a repair estimate of 50K), can I get it repaired by using the other parties third party insurance cover and not touching my insurance. I could only see mixed comments on this regard over the internet; some say it is possible, some say it is not, some say that it is a hassle etc.

Anyone out there who has got a concrete answer?
Possible, but a huge hassle in India

"Making a third party motor claim is not easy. The complex course begins with filing an FIR with the police and obtaining a charge sheet, which, as we all know is a mammoth task in itself. After this, one has to approach a motor claims lawyer who files a case in a special court, the Motor Accident Claims Tribunal. Civil courts cannot decide road accident compensation claims. The case has to be either filed in the tribunal with jurisdiction over the area where the accident occurred or with the tribunal with jurisdiction over the area where the claimant or the defendant resides. The court then hears both sides, examines the evidence, and fixes the liability. If the decision is in your favour, you get compensated for your loss. "




Read here

Last edited by tsk1979 : 6th October 2017 at 01:13.
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Old 5th October 2017, 19:25   #3913
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My car got rear ended when another vehicle rammed from left hand side, insurer tells me I need to log two seperate claims though happened through same incident. Is that a con or some stupid guideline ?
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Old 6th October 2017, 00:59   #3914
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My car got rear ended when another vehicle rammed from left hand side, insurer tells me I need to log two seperate claims though happened through same incident. Is that a con or some stupid guideline ?
Sounds like a con. Insurer might benefit in case your policy has limited no of claim.
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Old 6th October 2017, 08:05   #3915
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My car got rear ended when another vehicle rammed from left hand side, insurer tells me I need to log two seperate claims though happened through same incident. Is that a con or some stupid guideline ?
Did both the incidents happen at the same time? If yes, then definitely the Insurer is taking your for a ride. Tell them firmly that only one claim is admissible or the issue will be raised with the Ombudsman/IRDA.
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