Team-BHP > Team-BHP Reviews > Indian Car Loans & Insurance


Reply
 
Thread Tools Search this Thread
Old 30th March 2012, 07:11   #1936
BHPian
 
Marlon's Avatar
 
Join Date: Feb 2008
Location: Chennai
Posts: 273
Thanked: 79 Times
Default Re: Automobile Insurance - Ask me

Quote:
Originally Posted by YVES View Post

Voluntary Deductible was Rs 500/-
It should have been Compulsory deductible. This is mandatory component as per regulation/tariff.
Marlon is offline  
Old 30th March 2012, 10:11   #1937
BHPian
 
Join Date: Dec 2006
Location: Mumbai
Posts: 514
Thanked: 122 Times
Default Re: Automobile Insurance - Ask me

The plastic side strips would be accessories that you'd have installed isn't it?


Quote:
Originally Posted by YVES View Post
bajaj allianz drive assure is not Zero Dep , I just paid 50% from my pocket for the plastic side strips for my Car despite having bajaj allianz drive assure for two years in a row and this been the 1st claim in 4 years.

Voluntary Deductible was Rs 500/-
kalpeshc is offline  
Old 30th March 2012, 10:35   #1938
BANNED
 
Join Date: Sep 2009
Location: Nasik
Posts: 105
Thanked: 4 Times
Default Re: Automobile Insurance - Ask me

Quote:
Originally Posted by kalpeshc View Post
The plastic side strips would be accessories that you'd have installed isn't it?
Yes I had installed the plastic side strips two years back as acessories.
To remove the dents on the door , after painting , the plastic side strips were replaced

Last edited by YVES : 30th March 2012 at 10:36.
YVES is offline  
Old 30th March 2012, 13:48   #1939
F50
Senior - BHPian
 
F50's Avatar
 
Join Date: Mar 2004
Location: Mumbai/USA
Posts: 1,708
Thanked: 99 Times
Default Re: Automobile Insurance - Ask me

Quote:
Originally Posted by sindabad.sailor View Post
Thanks for the advise. Would start sailing again in abt a week. Would return after 4 months and would go for full compreshensive then. Time being got 3rd transfers completed.
You are bang on. Nationnal insurance quote is 16.8k. Bought the car on wife's name hence previous NCB went for a toss.

Rgds.
If you had good amount of NCB then should have registered on your name itself if not then ...
F50 is offline  
Old 31st March 2012, 07:49   #1940
BHPian
 
Join Date: Nov 2010
Location: Pune
Posts: 253
Thanked: 74 Times
Default Re: Automobile Insurance - Ask me

Quote:
F50:
If you had good amount of NCB then should have registered on your name itself if not then ...
I too initially thought so cause previous car was with me for 5 yrs.

However a lawyer friend suggested that merchant navy professionals in particular should register car on spouse's name. The logic is that in most unfortunate case of our vehicles involving in an accident, court will ask to deposit passport and hence job goes for a toss. If vehicle is on wife's name, no harm depositing her passport. He in fact mentioned a case in hand whereby the involved master (captain) is withheld from sailing for over an year as his vehicle hit a pedestrian who is now good for almost nothing. Interestingly, at that time the vehicle was driven by his saala.

Apologies for going
sindabad.sailor is offline  
Old 2nd April 2012, 13:36   #1941
BHPian
 
Join Date: Feb 2012
Location: Bangalore
Posts: 36
Thanked: 8 Times
Default Claim insurance or out-of-pocket repair to save NCB?

Hi guys,

Need some advice choosing between insurance claim and getting it done from my pocket.

I had an unfortunate incident where a tree branch fell off the tree and landed on my (just 3 month old ) car's bonnet. As expected, it left a little dent & a surface scratch and to make matters worse, it also got entangled with my wiper which broke off when I pulled out the branch.

Now I am wondering if I should go for insurance claim or should I pay it off myself? Insurance claim will definitely eat up my NCB.

Is it fine if I just take a quote from the insurance surveyor and if I find it higher than the expected NCB, then I could for the claim or else get it done myself?

I have a Maruti WagonR that was purchased in January this year with Maruti Insurance (via Royal Sundaram).

Here are some pics of the damage:

Name:  IMAG0142.jpg
Views: 601
Size:  80.6 KB
Name:  IMAG0143.jpg
Views: 572
Size:  143.7 KB
Name:  IMAG0144.jpg
Views: 638
Size:  87.2 KB

And while I am at it, I thought maybe I can also get a cover for my fog lamp which I lost when an auto cut me sharply from the right and left my car looking like this:

Name:  IMAG0145.jpg
Views: 553
Size:  118.1 KB

Please lemme know your thoughts

Regards
Dhrupadh

Last edited by Vid6639 : 3rd April 2012 at 15:14. Reason: deleting duplicate pics
dhrupadh is offline  
Old 2nd April 2012, 13:44   #1942
Senior - BHPian
 
ghodlur's Avatar
 
Join Date: Sep 2009
Location: Thane
Posts: 5,509
Thanked: 2,950 Times
Default Re: Automobile Insurance - Ask me

@drupadh,

Is the Wagon R new or preowned? The best thing to do is get a quote from Maruti for the repairs and local FNG. Compare and see if the cost of repair is more than the NCB amount saved. If so then claim insurance, if not then get it repaired by local garage.

How come the wiper snapped? Seems a very cheap one used by maruti.
ghodlur is offline  
Old 2nd April 2012, 15:33   #1943
BHPian
 
Join Date: Feb 2012
Location: Bangalore
Posts: 36
Thanked: 8 Times
Default Re: Automobile Insurance - Ask me

Its a new WagonR purchased in Jan'12.

I just asked the Maruti folks Sagar Automobiles who are next to my office and they say its gonna cost between 4K to 4.5K.

Donno any local denting garages who would do this job. If anyone knows any, who can do a good job (since its a new car) in & around Bannerghatta Road/Hosur road, I'd be very grateful.

The wiper got entangled with the branches and when I pulled it out, it came out along. I realized only after the branch was off. The branch was really heavy and I dont think any good quality wiper could have resisted that weight.

Looking for local garages in and around Bannerghatta Road / Hosur Road.
dhrupadh is offline  
Old 3rd April 2012, 12:45   #1944
Senior - BHPian
 
theragingbull's Avatar
 
Join Date: Apr 2008
Location: Austin, TX
Posts: 2,601
Thanked: 634 Times
Default Re: Automobile Insurance - Ask me

Need some help here.
I have a Bharti AXA Zero Dep policy for my VW Polo. Yesterday I gave my car for accidental repair work which included a dent on the RHS door and a dent on the rear bumper. Both occured at the same instane yet the surveyer is not accepting this claim. He is only ready to cover the damage for the door and not the bumper. What should I do in this case? My policy gives me 100% cover and still they are not giving me this.
theragingbull is offline  
Old 3rd April 2012, 13:16   #1945
Senior - BHPian
 
ghodlur's Avatar
 
Join Date: Sep 2009
Location: Thane
Posts: 5,509
Thanked: 2,950 Times
Default Re: Automobile Insurance - Ask me

Quote:
Originally Posted by theragingbull View Post
Need some help here.
I have a Bharti AXA Zero Dep policy for my VW Polo. Yesterday I gave my car for accidental repair work which included a dent on the RHS door and a dent on the rear bumper. Both occured at the same instane yet the surveyer is not accepting this claim. He is only ready to cover the damage for the door and not the bumper. What should I do in this case? My policy gives me 100% cover and still they are not giving me this.
That is strange. What is the reason given by the Surveyor for not accepting the bumper repair claim? Does he not have the quote of the repair cost from the workshop? If he is adamant, try talking to the customer care of Bharati Axa. Was the policy taken directly from Axa or through some one?
ghodlur is offline  
Old 3rd April 2012, 13:24   #1946
Senior - BHPian
 
theragingbull's Avatar
 
Join Date: Apr 2008
Location: Austin, TX
Posts: 2,601
Thanked: 634 Times
Default

Quote:
Originally Posted by ghodlur
That is strange. What is the reason given by the Surveyor for not accepting the bumper repair claim? Does he not have the quote of the repair cost from the workshop? If he is adamant, try talking to the customer care of Bharati Axa. Was the policy taken directly from Axa or through some one?
He's not ready to accept that both damages happened at once!! He is being adamant so I guess I'll have to reach the higher representative. It was bought directly from Bharti.
theragingbull is offline  
Old 3rd April 2012, 13:26   #1947
F50
Senior - BHPian
 
F50's Avatar
 
Join Date: Mar 2004
Location: Mumbai/USA
Posts: 1,708
Thanked: 99 Times
Default Re: Automobile Insurance - Ask me

Quote:
Originally Posted by theragingbull View Post
Need some help here.
I have a Bharti AXA Zero Dep policy for my VW Polo. Yesterday I gave my car for accidental repair work which included a dent on the RHS door and a dent on the rear bumper. Both occured at the same instane yet the surveyer is not accepting this claim. He is only ready to cover the damage for the door and not the bumper. What should I do in this case? My policy gives me 100% cover and still they are not giving me this.
1) Can you in brief tell me what you told the surveyor?

2) What reason is surveyor giving for not considering this as ONE accident?

3) Can you please tell the exact places where the dents are? RHS - Driver or Rear and bumper - left, right or centre?
F50 is offline  
Old 3rd April 2012, 13:42   #1948
Senior - BHPian
 
theragingbull's Avatar
 
Join Date: Apr 2008
Location: Austin, TX
Posts: 2,601
Thanked: 634 Times
Default

Quote:
Originally Posted by F50

1) Can you in brief tell me what you told the surveyor?

2) What reason is surveyor giving for not considering this as ONE accident?

3) Can you please tell the exact places where the dents are? RHS - Driver or Rear and bumper - left, right or centre?
1. I was taking a right turn when a rickshaw came in to overtake from right and hit the side door. I braked suddenly and a swift hit the rear bumper.

2. He says it cannot happen in this way. It would be two different accidents.

3. Right rear door bottom and a crack and dent on the rear bumper RHS.
theragingbull is offline  
Old 3rd April 2012, 14:02   #1949
F50
Senior - BHPian
 
F50's Avatar
 
Join Date: Mar 2004
Location: Mumbai/USA
Posts: 1,708
Thanked: 99 Times
Default Re: Automobile Insurance - Ask me

Quote:
Originally Posted by theragingbull View Post
1. I was taking a right turn when a rickshaw came in to overtake from right and hit the side door. I braked suddenly and a swift hit the rear bumper.

2. He says it cannot happen in this way. It would be two different accidents.

3. Right rear door bottom and a crack and dent on the rear bumper RHS.
Claim is payable. No doubt about it.

Can you PM me the name of the surveyor?

Also try talking to AXA about it.
F50 is offline  
Old 3rd April 2012, 14:02   #1950
Senior - BHPian
 
ghodlur's Avatar
 
Join Date: Sep 2009
Location: Thane
Posts: 5,509
Thanked: 2,950 Times
Default Re: Automobile Insurance - Ask me

Quote:
Originally Posted by theragingbull View Post
2. He says it cannot happen in this way. It would be two different accidents.

3. Right rear door bottom and a crack and dent on the rear bumper RHS.
Both the repair jobs are at the rear RHS although the damage may be done by different sources. What is the workshop's take on this? If the Surveyor says it cant be be one accident, ask him to give it in writing. Parallely talk to Axa superiors and report this guy's comments.
ghodlur is offline  
Reply

Most Viewed
Thread Tools Search this Thread
Search this Thread:

Advanced Search

Copyright 2000 - 2021, Team-BHP.com
Proudly powered by E2E Networks