Go Back   Team-BHP > BHP India > Team-BHP Reviews > Indian Car Loans & Insurance


Reply
 
Thread Tools Search this Thread
Old 27th December 2008, 20:14   #1
BHPian
 
Join Date: Oct 2008
Location: Bangalore
Posts: 47
Thanked: 0 Times
Default 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
 
DDGuy is offline   Reply With Quote
Old 28th December 2008, 19:16   #2
BHPian
 
Join Date: Sep 2007
Location: Gurgaon
Posts: 103
Thanked: 15 Times
Default

Hey DDGuy - was the dog ok?
wanderluster is offline   Reply With Quote
Old 28th December 2008, 20:45   #3
Senior - BHPian
 
Join Date: Sep 2007
Location: New Delhi
Posts: 3,083
Thanked: 252 Times
Default

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.
anupmathur is offline   Reply With Quote
Old 28th December 2008, 22:38   #4
BHPian
 
Join Date: Oct 2008
Location: Bangalore
Posts: 47
Thanked: 0 Times
Default

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 !!
DDGuy is offline   Reply With Quote
Old 28th December 2008, 22:41   #5
Senior - BHPian
 
faithless_1984's Avatar
 
Join Date: Oct 2006
Location: Delhi
Posts: 1,517
Thanked: 185 Times
Default

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. :(
faithless_1984 is offline   Reply With Quote
Old 28th December 2008, 22:57   #6
BHPian
 
live2drive's Avatar
 
Join Date: Oct 2008
Location: New Delhi
Posts: 525
Thanked: 25 Times
Default

IMO, get the work done under insurance..
And you can very well get an aftermarket fog lamp at a relatively much cheaper price.
live2drive is offline   Reply With Quote
Old 28th December 2008, 23:05   #7
BHPian
 
Join Date: Oct 2008
Location: Bangalore
Posts: 138
Thanked: 55 Times
Default

Quote:
Originally Posted by DDGuy View Post
PS: Can I switch my insurance company next year?
Yes you can. IMHO nationalised players are better to deal with.
RSimonS is offline   Reply With Quote
Old 28th December 2008, 23:09   #8
Senior - BHPian
 
iraghava's Avatar
 
Join Date: Oct 2005
Location: Bhaiyyaland
Posts: 8,028
Thanked: 153 Times
Default

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.
iraghava is offline   Reply With Quote
Old 29th December 2008, 17:39   #9
Senior - BHPian
 
rjvora_2000's Avatar
 
Join Date: Mar 2008
Location: Mumbai/Mulund
Posts: 1,656
Thanked: 41 Times
Default

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.
rjvora_2000 is offline   Reply With Quote
Old 29th December 2008, 17:44   #10
Senior - BHPian
 
aaggoswami's Avatar
 
Join Date: May 2007
Location: Vadodara
Posts: 4,675
Thanked: 1,427 Times
Default

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.
aaggoswami is offline   Reply With Quote
Old 29th December 2008, 18:00   #11
Senior - BHPian
 
Join Date: Sep 2007
Location: New Delhi
Posts: 3,083
Thanked: 252 Times
Default

Quote:
Originally Posted by DDGuy View Post
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?
anupmathur is offline   Reply With Quote
Old 29th December 2008, 18:07   #12
Senior - BHPian
 
rjvora_2000's Avatar
 
Join Date: Mar 2008
Location: Mumbai/Mulund
Posts: 1,656
Thanked: 41 Times
Default

Quote:
Originally Posted by RSimonS View Post
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.
rjvora_2000 is offline   Reply With Quote
Old 29th December 2008, 18:15   #13
BHPian
 
Join Date: Oct 2008
Location: Bangalore
Posts: 138
Thanked: 55 Times
Default

Quote:
Originally Posted by rjvora_2000 View Post
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...
RSimonS is offline   Reply With Quote
Old 29th December 2008, 19:02   #14
Senior - BHPian
 
Join Date: Sep 2007
Location: New Delhi
Posts: 3,083
Thanked: 252 Times
Default

Quote:
Originally Posted by rjvora_2000 View Post
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.
anupmathur is offline   Reply With Quote
Old 29th December 2008, 21:33   #15
Senior - BHPian
 
snaronikar's Avatar
 
Join Date: Jun 2007
Location: Bengaluru
Posts: 2,845
Thanked: 23 Times
Default

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.
snaronikar is offline   Reply With Quote
Reply


Thread Tools Search this Thread
Search this Thread:

Advanced Search


Similar Threads
Thread Thread Starter Forum Replies Last Post
New Santro Xing vs old Santro Xing (eRLX) DCEite The Indian Car Scene 3 21st May 2012 21:48
Rear bumper damaged at A.S.S, Promised replacement bumper. Edit: Got new Bumper. amitk26 Technical Stuff 18 26th February 2011 23:52
One question about tyres of Old Santro and New Santro Xing DDGuy Tyre & Alloy wheel Section 5 12th November 2008 13:35
Why nameplates on Wagon-R front bumper is not placed in Mid mahadev_kc Modifications & Accessories 14 30th January 2008 17:47
Santro Xing XP Bumper & Front Gril Mod Xfade Modifications & Accessories 5 10th January 2007 22:35


All times are GMT +5.5. The time now is 07:08.

Copyright 2000 - 2017, Team-BHP.com
Proudly powered by E2E Networks