Santro Xing Front Bumper gone for a toss - to claim or not is the question !! - Team-BHP

DDGuy · 27th December 2008, 20:14

So I am in Chennai now till 1st Jan. While on way from Banglore, hit a dog at 120K (followed the golden rule of NOT braking when faced with a stray dog) and ended up with a broken front bumper and a disappeared fog lamp (see pic below). (I was actually shocked to see bumper broken to such an extent by a dog hit)

I checked up with Kun Hyundai here in Chennai and he says 2K for bumper + 3K for coloring the bumper + 1.5K for fog lamp. As per him if I claim insurance (ICICI Lombard), I will get 50% for bumper (being plastic), full for coloring and nothing for fog lamps (being glass part). Last year I had 25% NCB (around 1500/-). Does it make sense to do this repair via claim (its a 2.5 year old car) or all by my own? Also is this estimate fair (3K for painting a 2K bumper !!)

PS: Can I switch my insurance company next year?

wanderluster · 28th December 2008, 19:16

Hey DDGuy - was the dog ok?

anupmathur · 28th December 2008, 20:45

DDGuy, go to a local bumper repair chap. He'll manage to stick/staple the bumper to a degree that might well shock you!
Of course it will not be pristine, but will be eminently acceptable.

May the dog R.I.P.

DDGuy · 28th December 2008, 22:38

Local bumper repair shop? such a thing exist in Bangalore, anyone?

I actually saw no sign of Dog in my rear view mirror (where I saw debris flying off). There was of course no blood or any other tell-tale sign of it on the bumper. For all I know, it just evaporated on impact !!

faithless_1984 · 28th December 2008, 22:41

Yup ,just get it repaired by a local denter/painter.
Will cost you less.

Quote:

Hey DDGuy - was the dog ok?

Quote:

hit a dog at 120K

No chance. :(

live2drive · 28th December 2008, 22:57

IMO, get the work done under insurance..
And you can very well get an aftermarket fog lamp at a relatively much cheaper price.

RSimonS · 28th December 2008, 23:05

Quote:

Originally Posted by DDGuy

PS: Can I switch my insurance company next year?

Yes you can. IMHO nationalised players are better to deal with.

iraghava · 28th December 2008, 23:09

So out of a total claim of 6.5k (2+3+1.5; even fog lamps can be claimed but since they're plastic, you get 50%) you'll get 1+3+.75-excess (usually 500 or 1000) so you'll end up getting about 3.75k to 4.25k.

Now if your NCB is 1.5k, you can take it & still save about 2.5-3k otherwise you can get this job done at a good garage outside & spend less money out of your own pocket.

rjvora_2000 · 29th December 2008, 17:39

I would advice you not to claim from insurance. - You will save money over all.

Even if you claim you can transfer the policy on renewal.

aaggoswami · 29th December 2008, 17:44

IMO, dont go for Insurance. Go to a local garage and he can fix this up. about cooling, I dont think that there is serious damage to entire cooling system and hence the local garage can handle this.
The bumper can be repaired without replacement. We have done this on our Maruti for front and rear bumper. Cost was Rs. 250.

anupmathur · 29th December 2008, 18:00

Quote:

Originally Posted by DDGuy

Local bumper repair shop? such a thing exist in Bangalore, anyone?

LOL, DDGuy, here in Delhi there are roadside chaps who do amazing repairs to bumpers. The tools of their trade are heated irons, staples, wires and touchup paint tools. Definitely worth a try.
Sure there aren't any in Bangalore?

rjvora_2000 · 29th December 2008, 18:07

Quote:

Originally Posted by RSimonS

Yes you can. IMHO nationalised players are better to deal with.

I don't think so.

He was not asking this. I would advice never ever to go to any government company they are just not responsible guy's for any thing.

RSimonS · 29th December 2008, 18:15

Quote:

Originally Posted by rjvora_2000

I don't think so.

He was not asking this. I would advice never ever to go to any government company they are just not responsible guy's for any thing.

But players like Tata AIG is notorious for paying peanuts...

anupmathur · 29th December 2008, 19:02

Quote:

Originally Posted by rjvora_2000

I would advice you not to claim from insurance. - You will save money over all.

Even if you claim you can transfer the policy on renewal.

Transfer of policy will get the NCB only if the previous company gives a letter stating the current NCB.

snaronikar · 29th December 2008, 21:33

Good that you did not put the sudden brakes on the car. @ 130kph, anything would have happened if you apply brakes.

Secondly, just calculate what is the insurance amount coming to i.e., sum up how much they are giving as insurance and just calculate what NCB you will be getting. If the sum of the insurance is higher than the NCB, IMO then it is advisable to go in for insurance.

Regarding your last query on changing the insurance company, yes you can change the insurance company during your renewal.

27th December 2008, 20:14	#1 (permalink)
DDGuy BHPian Join Date: Oct 2008 Location: Bangalore Posts: 47	Santro Xing Front Bumper gone for a toss - to claim or not is the question !! So I am in Chennai now till 1st Jan. While on way from Banglore, hit a dog at 120K (followed the golden rule of NOT braking when faced with a stray dog) and ended up with a broken front bumper and a disappeared fog lamp (see pic below). (I was actually shocked to see bumper broken to such an extent by a dog hit) I checked up with Kun Hyundai here in Chennai and he says 2K for bumper + 3K for coloring the bumper + 1.5K for fog lamp. As per him if I claim insurance (ICICI Lombard), I will get 50% for bumper (being plastic), full for coloring and nothing for fog lamps (being glass part). Last year I had 25% NCB (around 1500/-). Does it make sense to do this repair via claim (its a 2.5 year old car) or all by my own? Also is this estimate fair (3K for painting a 2K bumper !!) PS: Can I switch my insurance company next year? Attached Images

28th December 2008, 23:09	#8 (permalink)
iraghava Distinguished - BHPian Join Date: Oct 2005 Location: Bhaiyyaland Posts: 7,693 View My Garage	So out of a total claim of 6.5k (2+3+1.5; even fog lamps can be claimed but since they're plastic, you get 50%) you'll get 1+3+.75-excess (usually 500 or 1000) so you'll end up getting about 3.75k to 4.25k. Now if your NCB is 1.5k, you can take it & still save about 2.5-3k otherwise you can get this job done at a good garage outside & spend less money out of your own pocket. __________________ Reminds me of my safari in Africa.Somebody forgot the corkscrew and for several days we had to live on nothing but food and water.

29th December 2008, 17:39	#9 (permalink)
rjvora_2000 BHPian Join Date: Mar 2008 Location: MH-03 Mumbai Posts: 898 View My Garage	I would advice you not to claim from insurance. - You will save money over all. Even if you claim you can transfer the policy on renewal. __________________ Completing one year on 27th November 2009 to "Insurance - Ask me" Thread. - *Rupesh Jadavji Vora.*

29th December 2008, 17:44	#10 (permalink)
aaggoswami Senior - BHPian Join Date: May 2007 Location: Vadodara Posts: 3,141	IMO, dont go for Insurance. Go to a local garage and he can fix this up. about cooling, I dont think that there is serious damage to entire cooling system and hence the local garage can handle this. The bumper can be repaired without replacement. We have done this on our Maruti for front and rear bumper. Cost was Rs. 250. __________________ Never Dream because broken dreams hurt the most.There is no market for emotions. EVENTUALLY FATE DECIDES EVERYTHING.

29th December 2008, 21:33	#15 (permalink)
snaronikar Senior - BHPian Join Date: Jun 2007 Location: Bengaluru Posts: 2,777 View My Garage	Good that you did not put the sudden brakes on the car. @ 130kph, anything would have happened if you apply brakes. Secondly, just calculate what is the insurance amount coming to i.e., sum up how much they are giving as insurance and just calculate what NCB you will be getting. If the sum of the insurance is higher than the NCB, IMO then it is advisable to go in for insurance. Regarding your last query on changing the insurance company, yes you can change the insurance company during your renewal. __________________ Love your job but Never love your company because you never know when your company stops loving you-NRN

28th December 2008, 19:16	#2 (permalink)
wanderluster BHPian Join Date: Sep 2007 Location: Gurgaon Posts: 29	Hey DDGuy - was the dog ok?

28th December 2008, 20:45	#3 (permalink)
anupmathur Senior - BHPian Join Date: Sep 2007 Location: New Delhi Posts: 2,974	DDGuy, go to a local bumper repair chap. He'll manage to stick/staple the bumper to a degree that might well shock you! Of course it will not be pristine, but will be eminently acceptable. May the dog R.I.P.

28th December 2008, 22:38	#4 (permalink)
DDGuy BHPian Join Date: Oct 2008 Location: Bangalore Posts: 47	Local bumper repair shop? such a thing exist in Bangalore, anyone? I actually saw no sign of Dog in my rear view mirror (where I saw debris flying off). There was of course no blood or any other tell-tale sign of it on the bumper. For all I know, it just evaporated on impact !!

28th December 2008, 22:57	#6 (permalink)
live2drive BHPian Join Date: Oct 2008 Location: New Delhi Posts: 402 View My Garage	IMO, get the work done under insurance.. And you can very well get an aftermarket fog lamp at a relatively much cheaper price.

Similar Threads
Thread	Thread Starter	Forum	Replies	Last Post
No Claim Bonus Question	jalesho	Indian Car Loans & Insurance	15	6th March 2009 10:16
One question about tyres of Old Santro and New Santro Xing	DDGuy	Tyre & Alloy wheel Section	5	12th November 2008 13:35
Santro Xing XP Bumper & Front Gril Mod	Xfade	Modifications & Accessories	5	10th January 2007 22:35
Dent on front BUMPER.	cranil7	Modifications & Accessories	8	21st December 2006 14:27
Front Bumper Of My Swift!!!!!	NOSXX	Shifting gears	8	29th June 2006 20:28