![]() | #1696 | |
Senior - BHPian ![]() | ![]() Quote:
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![]() | #1697 | |
Senior - BHPian ![]() Join Date: Mar 2004 Location: Mumbai/USA
Posts: 1,694
Thanked: 97 Times
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You should also look at Bajaj Allianz and Future Generali as they offer engine cover as well which Tata doesn't offer. | |
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![]() | #1698 | |
Senior - BHPian ![]() | ![]() Quote:
However the policy document/feature talks about "The cover also pays first time registration charges and road tax on the insured vehicle. Cover is available for vehicles up to 3 years old". Is this true - will Tata AIG refund the registration charges and road tax paid for a vehicle insured with the "Return to invoice" add on but declared as total loss OR simply refund the amounts when Insurance is purchased with Tata AIG. Can you confirm that with the AIG rep for us please? | |
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![]() | #1699 | |
Distinguished - BHPian ![]() ![]() Join Date: Sep 2010 Location: Delhi
Posts: 5,396
Thanked: 6,977 Times
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BTW according to my agent( who has been trustworthy till date) said that return to invoice also covers theft. I haven't yet seen the policy but. Secondly return to invoice means the company will return me the OTR price. He specified it. | |
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![]() | #1700 |
BHPian ![]() Join Date: Jun 2009 Location: mumbai
Posts: 293
Thanked: 439 Times
| ![]() i had a policy with Tata AIG for my car valid till 08 Sep 11. i had not claimed anything till i sold my car on 05 aug 11. after the old insurance was cancelled by the buyer, he got the car transferred and obtained a new policy for the car. now after i submitted all the relevant documents to Tata AIG for reserving my NCB, they tell me its not possible to give me my certificate as i have not completed 1 year with them. is this justified? if this were right, does this mean you always have to sell your car only after the insured year is over? isn't this ridiculous? i request for guidance from members with past experience. ![]() NOTE; this was the second year of my car and i did not have an ncb for the first year. |
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![]() | #1701 |
Senior - BHPian ![]() | ![]() need to insure the passat, which is a decent insurance company right now and any numbers to them ? |
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![]() | #1702 |
BHPian ![]() Join Date: Mar 2011 Location: Bangalore
Posts: 242
Thanked: 80 Times
| ![]() I don't know if it has been answered here before. Is a Zero Dep policy worth the extra amount that i will end up paying ? I have an i20 which is due for Insurance renewal one month from now. I currently have a standard Bajaj Allianz policy and i have also made a claim once. So no NCB. Would it make a better choice to go for the Zero Dep policy ? I remember having paid around 15k for insurance when i got the car an year back. On paper , The zero dep policy does look good. I have one more query. I have installed a pretty expensive ICE system (around 70k), Can i cover that by paying an extra premium ? Will there be a complete replacement in case of theft or do they pay only a part of what it was worth since i lost the used ICE parts ? Thanks in advance ![]() |
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![]() | #1703 | |
Senior - BHPian ![]() | ![]() Quote:
You need to have one claims free Calender Year/12 months with one insurer to earn NCB. So if you have had a 1st year with out any calims with the Tata AIG, and continued the 2nd year with Tata AIG, then you are eligible for NCB (what ever % is due for 1st year). If you had changed your insurer begining of 2nd year then you are not eligible for NCB. Hope this helps Best Regards & Drive/Ride Safe Ram | |
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![]() | #1704 | |
Senior - BHPian ![]() | ![]() Quote:
I dont know how the agent is saying it covers theft when the policy document does not say so. Please recheck the same. | |
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![]() | #1705 | |
Distinguished - BHPian ![]() ![]() Join Date: Sep 2010 Location: Delhi
Posts: 5,396
Thanked: 6,977 Times
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Let me get the policy papers and I will clarify on the point regarding theft. These agents can say anything to seal the deal. Either way though I felt that paying 3k extra for the "Return to Invoice" feature was justified. You never know when you might need to use it. Right now I am kind off too excited with the new car to worry about the insurance ![]() | |
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![]() | #1706 |
BHPian ![]() Join Date: Sep 2007 Location: Pune
Posts: 339
Thanked: 263 Times
| ![]() Hi, I am trying to renew my policy and I have got the following quotes: Tata AIG: (My current policy is with them) IDV: Rs. 2,60,000 Quote: Rs. 4,881 NCB: 45% Bajaj Allianz IDV: Rs. 3,24,000 Quote: Rs. 4,935 NCB: 45% My queries are:
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![]() | #1707 |
BHPian ![]() Join Date: Mar 2008 Location: Bangalore
Posts: 105
Thanked: 61 Times
| ![]() Need some info- I have bajaj Allianz Insurance for my car. My car will finish 5 years this Oct 18th. Last year the IDV was 2.03 Lakhs. But when i went for online renewal it shows IDV for 2011-2012 as 1.66. I want to know what is the IDV depreciation per year. I know that we can increase the IDV by 15% of what the insurance company has recommended. |
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![]() | #1708 | |
Senior - BHPian ![]() | ![]() Quote:
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![]() | #1709 | |
BHPian ![]() Join Date: Sep 2011 Location: Kolkata
Posts: 100
Thanked: 49 Times
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I got a quote of 15.5K from the dealer , however he indicated that I would not be able to opt for the 0% depreciation policy even when I was willing to pay for the additional amount. Need to discuss further on that, since delivery would be around December (Expected) so not in a lot of hurry. Did you check if the 0 depreciation could be taken from the dealer ? Are you getting the quotes online or have you approached any insurance agent ? | |
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![]() | #1710 | |
BHPian ![]() Join Date: Sep 2007 Location: nagpur
Posts: 350
Thanked: 55 Times
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![]() since I have a credit card from Hdfc. | |
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