Re: Automobile Insurance Queries? Ask me
Originally Posted by ghodlur
The surveyor is fooling you. BTW did he mention what advantages is he referring to?
The insurance for our Jazz was due last October. My dad was getting calls from Honda Assure
to get the same renewed through them, however, I insisted my Dad to get the Original
Bajaj Allianz policy number from them so that we can at least compare the quote online with what HBA has to offer. My dad kept on asking them and they kept on replying that there is nothing like Original Policy Number. I knew the Honda Dealer was lying, to be honest, however, sitting in Bangalore there was nothing I could have done with the dealer in Baroda, Gujarat. Moreover, they also mentioned that not all benefits would be passed on to the customer if the source of the policy was anything else, except Honda Assure
I tried calling Bajaj Allianz customer care, however, it was PATHETIC as always.
I asked my Dad to go ahead with Honda Assure for the following 2 reasons -
1) When in need of filing a claim, I wanted my parents to have a cashless settlement.
2) I cannot expect my Dad, aged 62, to haggle with the Honda and Bajaj Allianz personnel just because he had not renewed the policy through them.
There is just not enough information available in the public domain, and whatever is available is conflicting. Everyone does not have the convenience of Team-Bhp.
I told my dad to renew the insurance through Honda Assure
that if at all there was any difference in the premium amount by renewing online, it was a charity! That's how pathetic the state of affairs is, unfortunately
, in our country.
Below is an excerpt from the conversation I had with the Bajaj Allianz Surveyor. Me : I have a question for you-
My father owns a Honda Jazz, and the insurance is with Bajaj Allianz. However, he has purchased the policy with Honda Assure and hence, the policy number starts with "HBA" (Honda Bajaj Allianz), and not "OG".
If we want to renew this policy, we are unable to directly go to the Bajaj Allianz website and renew it. We have to contact the broker, who then issues us the new policy. The broker says that he doesn't have the original policy number!!!
If we have the original Bajaj Allianz policy number, we can directly renew from the website. So can you tell me how do I get the original policy number?
Even in my case, my policy number with Bajaj Allianz starts with "NBA" (Nissan Bajaj Allianz). How do I get the original policy number which can be helpful in renewing the insurance directly from the website? The Surveyor : ...if you renew the policies on-line you will not be able to gain the "Honda Assure" benefits, as the policy will be a normal policy with Bajaj. Honda assure policies has a special benefits like the bumper is considered as fibre (i.e 30% your share) but in normal it will be a plastic (i.e 50%), also the headlights in Honda assure are considered in metal (as per age of the vehicle) and in normal it will be plastic (50%).
Also in case of Nissan policies it might have these special benefits..
So I would suggest you to Renew the policies with the respective dealers/brokers... Me : Do these rules apply even if they are Comprehensive Policies (Bumper to Bumper)?
Also, can we avail cashless settlement if we buy insurance directly from Bajaj Allianz? Or do we compulsorily need to buy HBA and NBA policies to avail cashless settlement? The Surveyor :Yes..These rules apply to the all the comprehensive policies.
You can avail the cashless facility if the dealer is ready to give or if we have a tie-up with the dealer. Best example is your last claim at Nissan in Goa.. Me :I had one more question for you. During my claim with the dealer in Goa, why didn't they agree to provide me with cashless settlement? Is it because of their policy at the dealer - level, or is it because I did not claim insurance through my Nissan Dealership in Bangalore?
When I had asked them to initiate cashless settlement, they told me that it depends on the surveyor (Bajaj Allianz). When I asked them one more time, they said it was a Dealer policy. Since I had to drive back Bangalore soon, I left the matter as it is, but it is still not clear to me whether I was eligible for a cashless settlement or not.
In my understanding, if Honda or Nissan have a cashless settlement policy with Bajaj Allianz, then the auto companies should provide that benefit irrespective of whether the vehicle is registered in Karnataka or Gujarat. Is that not the case? Who takes the final decision, Bajaj Allianz or Honda / Nissan. I am asking this just to clear my doubts and also to make other people understand on how the system works. The Surveyor :In your case the dealer was not ready to accept cashless settlement, we are ready to give cashless to all the cases but if the dealer is not ready then we cannot process the cashless settlement.
We have cashless settlement with the Honda dealer in Goa, wherein they accept cashless settlement if the policy is done through them (ie. "Honda Assure") and for normal Bajaj we reimburse the payment to the insured.
Finally it depends on dealer if they accept the cashless settlement or not.
Hope this explaination fulfills your doubts, we assure you to serve you best in future.
Last edited by Safety is Param : 17th November 2013 at 12:19.