Best Auto Insurance service provider

shuvd · 1st January 2008, 14:34

I've claimed insurance from two companies, TATA AIG and Bajaj Allianz.
TATA AIG claim was for around 97k and the BA was for 14k.
Both were hassle free. BA was cashless but took some time. TATA AIG was quick, but I had to pay the service center upfront.
Currently have one car insured with TATA AIG and one with Reliance.

manish_symc · 3rd January 2008, 17:33

I have a good experience with Bajaj Allianze. Online facility of renewing Motor Insurance policy is very good. I did my Bike policy renew within 3-5 minutes and got the insurance papers with in 2-3 days.

novice · 5th January 2008, 23:55

I have tried four different insurance companies in the past four years. My exp with them,

Bajaj Alliance - Hassle free cashless claim but experienced very bad customer service at the time of renewal. So went for TATA AIG
Tata AIG - Don't even think about them, bunch of cheats
MS Cholamandalam - Hassle free cashless claim and good customer support, overall very satisfied
Relaince General - Very good customer support but no claims yet

.anshuman · 6th January 2008, 11:30

Of all the insurance companies ive tried i found Reliance to be most hassle free and they took no time passing full claim for my Accent.

hrman · 6th January 2008, 11:47

I have had an experience of Reliance in Nov 06. Was pretty hassle free and good. I never had to get involved at all. Cashless was processed efficiently and I had to only pay the non-insured portion to the dealer. Overall good experience.
Now since my current car was previously owned by my company, I have National Insurance. No experience as yet. But I plan to change it to Bajaj Allianz when it comes for renewal, after hearing the good reports out here. National Insurance does not have cashless.

ravibhat · 26th February 2008, 16:37

Bajaj allianz is also good one to deal so far paying renewal premium is easy.

Onething we need to keep in mind if we bargain hard they will reduce the premium by giving voluntary discounts. which means if they had given 2500/- as voluntary discount at the time of claim we need to pay 2500/- apart from minimum amount payment like 700/- or 1000/- which is common with every insurance policy.

But still it will work out fine because we need to payback to them what we availed as voluntary discount only if claim is there. If there is no claim then it means we saved that voluntary discount money

So in either way one must bargain hard when we renew the plicy. For my Innova IDV value 5.76 lac Bajaj quotes 17,400/- and icici quotes for 6.21 lacs idv value 16,062/-.

This includes NO claim bonus from the begining and I am second owner.

ICICI offer look good to eyes i am studying which is ideal one.

Regards,

Ravi.

deepakhon · 26th February 2008, 16:44

I am insured with Royal Sundaram and I have made a claim so far. This was a cashless claim and I am pretty satisfied with their service.

NetfreakBombay · 26th February 2008, 17:06

Is it possible to retain no-claim bonus if you switch insurers ?

F50 · 26th February 2008, 18:35

Quote:

Originally Posted by NetfreakBombay

Is it possible to retain no-claim bonus if you switch insurers ?

NCB is earned by you. So you have the rights to retain it. No matter which insurance company you shift to.

rider60 · 26th February 2008, 20:20

Quote:

Originally Posted by kalaks2000

Surprised &

to see that i dont have any suggestions here...

help me..

if you ask me i suggest only the government based companies, even if they lack the door step agents, online renewals and stuff, they atleast dont cheat you like the corporates do!

just search for the icici in the search and you should find plenty of complaints and experiences explaining how notorious these guys can get!

and to tell you there are service centers with the cashless claim even with the govt insurance companies.

well this is my experience and i am going to get all my cars insured by one of them govt insurance companies and not the corporates!

gowda79 · 26th February 2008, 20:30

If you are having Maruti vehicle it is better to have Maruti Insurance.

If Tata vehicles then Reliance & Tata AIG insurance

For others i have not checked up the tie - ups between the companies, but The Oriental Insurance & New India Assurance are doing a good job in sorting out the issues for the faster claim.

carboy · 26th February 2008, 20:47

Quote:

Originally Posted by rider60

if you ask me i suggest only the government based companies, even if they lack the door step agents, online renewals and stuff, they atleast dont cheat you like the corporates do!

I agree.
I have National Insurance through Maruti Insurance. https://www.marutiinsurance.com
They did cashless claims & the website also says online renewals though
I haven't tried out the renewal.

ravibhat · 26th February 2008, 22:06

Looks hot competition going on, TATA AIG offered me premium of 16103/- for 2006 Innova G3, 5.71 lacs as IDV. They give 3000/- worth sevice coupons in select service stations(around 10+ stations in Bangalore) and 3 days free stay in one of 24+ tourist place hotels in india and 3 abroad. I am more confused now which offer to consider.

Regards,

Ravi.

Sankar · 26th February 2008, 22:22

Does any of these private insurance companies have two-wheeler insurance?

I'm sick of the attitude of the chaps sitting at nationalised insurance companies. Oriental being one of the worst in Trivandrum. If any of these private insurance company provide two-wheeler TPFT insurance i sure would like to make the switch next time.

NetfreakBombay · 26th February 2008, 22:43

Got my scooter insured from Bajaj. They are good w.r.t. renewel etc. Never had to make a claim so can't comment on that.

1st January 2008, 14:34	#16
shuvd Senior - BHPian Join Date: Nov 2006 Location: Calcutta Posts: 1,081 Thanked: 4 Times View My Garage	I've claimed insurance from two companies, TATA AIG and Bajaj Allianz. TATA AIG claim was for around 97k and the BA was for 14k. Both were hassle free. BA was cashless but took some time. TATA AIG was quick, but I had to pay the service center upfront. Currently have one car insured with TATA AIG and one with Reliance.
	() Thanks

3rd January 2008, 17:33	#17
manish_symc BHPian Join Date: Dec 2007 Location: Pune Posts: 142 Thanked: 64 Times	I have a good experience with Bajaj Allianze. Online facility of renewing Motor Insurance policy is very good. I did my Bike policy renew within 3-5 minutes and got the insurance papers with in 2-3 days.
	() Thanks

5th January 2008, 23:55	#18
novice BHPian Join Date: Dec 2004 Location: Bangalore Posts: 170 Thanked: 17 Times	I have tried four different insurance companies in the past four years. My exp with them, Bajaj Alliance - Hassle free cashless claim but experienced very bad customer service at the time of renewal. So went for TATA AIG Tata AIG - Don't even think about them, bunch of cheats MS Cholamandalam - Hassle free cashless claim and good customer support, overall very satisfied Relaince General - Very good customer support but no claims yet
	() Thanks

6th January 2008, 11:30	#19
.anshuman Distinguished - BHPian Join Date: Dec 2004 Location: Good-Gaon Posts: 7,711 Thanked: 9,877 Times View My Garage	Of all the insurance companies ive tried i found Reliance to be most hassle free and they took no time passing full claim for my Accent.
	(1) Thanks

6th January 2008, 11:47	#20
hrman Senior - BHPian Join Date: Jun 2006 Location: Bangalore Posts: 1,003 Thanked: 487 Times	I have had an experience of Reliance in Nov 06. Was pretty hassle free and good. I never had to get involved at all. Cashless was processed efficiently and I had to only pay the non-insured portion to the dealer. Overall good experience. Now since my current car was previously owned by my company, I have National Insurance. No experience as yet. But I plan to change it to Bajaj Allianz when it comes for renewal, after hearing the good reports out here. National Insurance does not have cashless.
	() Thanks

26th February 2008, 16:37	#21
ravibhat Senior - BHPian Join Date: Jul 2006 Location: Bangalore Posts: 2,255 Thanked: 34 Times View My Garage	Bajaj allianz is also good one to deal so far paying renewal premium is easy. Onething we need to keep in mind if we bargain hard they will reduce the premium by giving voluntary discounts. which means if they had given 2500/- as voluntary discount at the time of claim we need to pay 2500/- apart from minimum amount payment like 700/- or 1000/- which is common with every insurance policy. But still it will work out fine because we need to payback to them what we availed as voluntary discount only if claim is there. If there is no claim then it means we saved that voluntary discount money So in either way one must bargain hard when we renew the plicy. For my Innova IDV value 5.76 lac Bajaj quotes 17,400/- and icici quotes for 6.21 lacs idv value 16,062/-. This includes NO claim bonus from the begining and I am second owner. ICICI offer look good to eyes i am studying which is ideal one. Regards, Ravi.
	() Thanks

26th February 2008, 16:44	#22
deepakhon Senior - BHPian Join Date: Oct 2004 Location: Bangalore Posts: 1,436 Thanked: 43 Times	I am insured with Royal Sundaram and I have made a claim so far. This was a cashless claim and I am pretty satisfied with their service.
	() Thanks

26th February 2008, 17:06	#23
NetfreakBombay Senior - BHPian Join Date: Jan 2008 Location: Bombay Posts: 1,414 Thanked: 424 Times	Is it possible to retain no-claim bonus if you switch insurers ?
	() Thanks

26th February 2008, 20:30	#26
gowda79 BANNED Join Date: May 2007 Location: Bengaluru Posts: 1,478 Thanked: 185 Times View My Garage	If you are having Maruti vehicle it is better to have Maruti Insurance. If Tata vehicles then Reliance & Tata AIG insurance For others i have not checked up the tie - ups between the companies, but The Oriental Insurance & New India Assurance are doing a good job in sorting out the issues for the faster claim.
	() Thanks

26th February 2008, 22:06	#28
ravibhat Senior - BHPian Join Date: Jul 2006 Location: Bangalore Posts: 2,255 Thanked: 34 Times View My Garage	Looks hot competition going on, TATA AIG offered me premium of 16103/- for 2006 Innova G3, 5.71 lacs as IDV. They give 3000/- worth sevice coupons in select service stations(around 10+ stations in Bangalore) and 3 days free stay in one of 24+ tourist place hotels in india and 3 abroad. I am more confused now which offer to consider. Regards, Ravi.
	() Thanks

26th February 2008, 22:22	#29
Sankar Distinguished - BHPian Join Date: May 2005 Location: KL01 Posts: 5,232 Thanked: 6,093 Times	Does any of these private insurance companies have two-wheeler insurance? I'm sick of the attitude of the chaps sitting at nationalised insurance companies. Oriental being one of the worst in Trivandrum. If any of these private insurance company provide two-wheeler TPFT insurance i sure would like to make the switch next time.
	() Thanks

26th February 2008, 22:43	#30
NetfreakBombay Senior - BHPian Join Date: Jan 2008 Location: Bombay Posts: 1,414 Thanked: 424 Times	Got my scooter insured from Bajaj. They are good w.r.t. renewel etc. Never had to make a claim so can't comment on that.
	() Thanks

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