![]() | #3376 | |
Senior - BHPian ![]() | ![]() Quote:
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![]() | #3377 | |
BHPian Join Date: Aug 2007 Location: pune
Posts: 26
Thanked: 11 Times
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![]() Regarding the engine damage, the dealership cannot confirm the extent of the damage, unless they open it up, for which I have to pay the charges. The insurance agency is yet to budge from their stance that this was not caused by the accident, but by me cranking/running the vehicle. My counter question of why would someone start a vehicle unable to move, with no wheels- was dodged by them. Thinking of settling for write-off considering the uncertainty in the engine damage and the potential costs exceeding the IDV. Another interesting discovery- apparently, the insurance company has treated sealants as a plastic part, putting it under 50% depreciation. Not sure if that makes any sense at all! | |
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![]() | #3378 |
Senior - BHPian ![]() | ![]()
I just checked and the only insurers with cashless tie up with my authorized service centers are Reliance and ICICI Lombard. Who is better in claims ? |
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![]() | #3379 |
BHPian ![]() Join Date: Jun 2015 Location: Dhanbad
Posts: 29
Thanked: 19 Times
| ![]() Guys, Planning to go with them for my new vehicle since they have the cashless tie ups with my dealer (Trident) in Bangalore. I have opted for below two add-ons: 1. Depreciation Cover 2. Passenger Cover Need your inputs/views/opinion on below: 1. How is Bharati Axa in terms of settlement 2. Should I also opt for "Hydrostatic Cover" and "Consumables Cover" (Costs almost 2100 extra for both) |
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![]() | #3380 |
Senior - BHPian ![]() Join Date: Mar 2006 Location: New Delhi
Posts: 2,697
Thanked: 170 Times
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Bharti Axa is pathetic in terms of settlement. See my latest experience here: http://www.team-bhp.com/forum/indian...at-emptor.html |
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![]() | #3381 |
BHPian ![]() Join Date: Oct 2009 Location: Chennai
Posts: 169
Thanked: 99 Times
| ![]() Hi Guys, Our car recently met with accident and we are going for a cashless claim with L&T insurance. 2 Two wheelers were involved, once guy came on the wrong side of the road and hit the car from the left, damaging left side of the bumper and when the driver braked, the other guy hit the car's right-side view mirror and broke it. The insurance surveyor tells me, if I need both of them changed using insurance, I have to do 2 separate claims, which does not make sense as its a single accident. If I do claim 2, then I will be in trouble as I have a bumper-to-bumper and after 2 claims, the insurance becomes the normal insurance where the depreciation is applied. Could you please advice me on what to do? The bumper costs 8000 and side view mirror costs 6500. I own a Hyundai Verna Fluidic. |
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![]() | #3382 | |
Senior - BHPian ![]() | ![]() Quote:
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![]() | #3383 | |
BHPian ![]() Join Date: Oct 2009 Location: Chennai
Posts: 169
Thanked: 99 Times
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![]() I have told them to cancel the claim and I would pay from my pocket, so that i can keep the NCB. ![]() | |
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![]() | #3384 |
BHPian ![]() | ![]() This happened to me around two years back. In an accident with a motorcycle jumping head-on into my lane, my car had damages in the front right area. I had auto insurance through Oriental then. They had paid around 75% of the repair cost and I paid off the rest. Since the vehicle was getting repaired at a different town from where I stayed, I did not have a chance to follow up and take a look at the work being done. I was just going through the bill yesterday and saw some items that are billed, but not replaced! That is, these not-replaced items were financed from my own money and with that of the insurance company. I don't want to do anything about it now, but for future reference, Q.1 Even after the surveyor okays the claim and approves the subsequent repairs, can I interfere and say that this component is not changed and it is on the bill? What happens then? Q2. The workshop painting was inferior because a few weeks later, I could see faint yellow patches through the white on the painted bumper and hood. Could I take it back to the workshop and expect a free repaint? Would they pull a clause saying that the paint damage happened due to other reasons Q3. Are surveyors crooked? Do they have any incentive from the parent company for doing an impartial survey? Obviously the workshop would gain by bribing the surveyor. |
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![]() | #3385 | |
Senior - BHPian ![]() | ![]() Quote:
1) To start with, you don't pay for spares that have not been replaced. This will be a a very good check when you do not have a zero depreciation add on cover and you paying partly from your pocket too. If its consumables, then you can overlook but major spares which can seen upfront if not changed should not be there in the bill at all. 2) You are entitled to a free paint repair unless proved otherwise. 3) Not all surveyors are rigid or crooked. I have seen some genuine surveyors who suggest some good things too to your benefit. Generally the surveyors are not on the Insurance co payrolls, they are an outsourced party. They earn their commission irrespective of the claim amounts. Even if they are bribed by the workshops, it will be workshop's loss as the Insurance co will no longer want to have a cashless tie up with the workshop if they find any irregularities. | |
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![]() | #3386 |
BHPian ![]() Join Date: Mar 2015 Location: Bangalore
Posts: 155
Thanked: 132 Times
| ![]() Friends, My 3-year-old Skoda Yeti's insurance is due for renewal and unlike then this time I have an able allay with Me and that is this thread. Firstly, I have received a quote from my previous insurer/service provider HDFC Ergo for 42000 with a add-on titanium plan for an IDV of 1250000.00. The policy covers engine protection, consumables, zero depreciation, co-passenger insurances, NCB protection, and return to invoice majorly. Looks good to me but wish some options if anybody has got better than this. Over the past couple of years, I have found strangely the present insurer does not give you a good deal on renewal and had to shift from Bajaj to ICICI to the present HDFC Ergo. My insurance is due in the month of September so got time on my side. |
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![]() | #3387 | |
Senior - BHPian ![]() | ![]() Quote:
I'm in a dilemma as the only 3 Insurers with cashless tie up with my Hyundai ASC are Reliance , ICICI and Royal Sundaram. Since all 3 are equally shady when it comes to claims settlements , I'm not sure what to do now. I have decided to let premium and cashless tie up go for a toss and opt for someone who gives the best service and honors claims honestly. Which insurer would that be other than the 3 above ? Also if the insurer does not have a cashless tie up with my ASC , how is the claim amount settled ? Would I have to pay first from my hand and then the Insurer repays me later ? | |
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![]() | #3388 | ||||
Senior - BHPian ![]() | ![]() Quote:
Let us know the outcome of the above. Quote:
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![]() | #3389 |
BHPian | ![]() Hi Everybody I have a query on Insurance premium quotes which i recieved. I want to buy a vehicle ex CSD and asked for quotes from Renault for Duster RXZ (O) and Vento Petrol 1.2 TSI Highline alongwith Zero Dep Insurance. Was quite surprised to see that even though the Duster is 2 Lakhs more than Vento, the insurance of Vento is much higher . Dealers quoted the following Duster RXZ (O) CSD Price : Rs 1137694.00 and Insurance (Zero Dep) : Rs 33650.00 Vento 1.2 TSI Highline CSD Price : Rs 959745.00 and Insurance (Zero Dep) : Rs 59338.00 Can anybody explain how this difference Last edited by nkghai : 7th August 2015 at 14:45. Reason: formatting |
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![]() | #3390 |
BHPian ![]() Join Date: Jan 2013 Location: Pune
Posts: 86
Thanked: 94 Times
| ![]() Hi Everyone, I have to renew my car's (Ritz) insurance by 2nd September, 2015. My insurer for first three years was New India Assurance. Now while getting a quote, I am being told that I cannot take a zero dep. insurance after the third year from Maruti. Whereas, I am getting quotes from other insurers from policy bazaar. Can someone please shed some light on why I am not getting Zero dep. insurance from Maruti and what are the pros and cons of buying zero dep. insurance from outside. |
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