![]() | #3481 | ||
Senior - BHPian ![]() | ![]() Quote:
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I would suggest to calculate the correct TDV for the next year after deducting the depreciation. Based on this calculated IDV, get the quotes either online (preferable) or offline. Confirm with which Insurance co does the Tata workshop have a cashless tie up. Also enquire with the workshop for the Insurance co claims process feedback. Compare the quotes and take an informed decision. Are the quotes you mentioned with zero dep add on cover too? | ||
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![]() | #3482 |
BHPian Join Date: Sep 2009 Location: Dehradun
Posts: 72
Thanked: 36 Times
| ![]() @ghodlur The estimated repair cost is Rs. 6.4 lakhs. Exorbitant by any standard. I am thinking should I ask the insurance company to suggest some other workshop for a more realistic estimate. |
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![]() | #3483 | |
Distinguished - BHPian ![]() ![]() | ![]() Quote:
Also,mark out a mail to various heads at tata, and automags, asking how repairs can cost as much as two cars? There was a skoda on the forum with similar repair estimates, but that was only enough to get one skoda. What madness is this? Under what heads are they preparing the estimate? Labour etc? Thats what it would conceivably be. If I had a workshop, and I had quoted something like this, AND it was accepted, I would just buy a new nano for the customer, pocket the rest. ![]() | |
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![]() | #3484 |
BHPian Join Date: Sep 2009 Location: Dehradun
Posts: 72
Thanked: 36 Times
| ![]() Any one having emails of TATA Motor's Heads? Please let me know. Thanks. |
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![]() | #3485 | |
BHPian Join Date: May 2015 Location: Delhi
Posts: 70
Thanked: 43 Times
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And yes, the quote is with Zero Dep and ₹200000 cover for all 5 passengers. Not sure if I should look for any other add-ons. PS: Quite surprised to know that these policy comparison websites are good for nothing since there was a difference of about ₹6000 in premium for the policy of same company (Bajaj Alli.) and with same add-ons when bargained with Bajaj directly. | |
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![]() | #3486 | |
Senior - BHPian ![]() | ![]() Quote:
It is therefore very much required to directly contact the Insurer on their website for a better quote. Comparison sites as they are meant to be should be used only for comparison. | |
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![]() | #3487 | ||
BHPian Join Date: Jan 2015 Location: Mumbai
Posts: 266
Thanked: 289 Times
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My experience last 3-4 years has been much better doing directly offline with the insurance company as compared to online. Always been cheaper for me. Example: last month renewed with HDFC Ergo for my 1 year old Duster. I got it done all inclusive at 16k, same policy online (on policybazaar as well as insurance company sites) was nothing less than 21k. Similar experience on other occasions also for both my cars. Of course, this is only my experience, it's quite possible others find online better. One thing I would say generally, quotes from the dealer are the absolute worst. Quote:
Would be interested to know which insurance company provides NCB protection for mid range cars like the Zest. Have got this for higher end models, but have not been able to get for my Duster. | ||
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![]() | #3488 | ||
BHPian ![]() Join Date: Feb 2008 Location: Chennai
Posts: 486
Thanked: 162 Times
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![]() | #3489 | |
BHPian Join Date: Oct 2008 Location: Bangalore
Posts: 145
Thanked: 111 Times
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The normal procedure is to get NCB after selling car. Can cancel the comprehensive and get a third party only and then get the NCB letter, but would need to talk to your insurer's office - they may hesitate in doing this. | |
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![]() | #3490 | |
BHPian ![]() Join Date: Feb 2008 Location: Chennai
Posts: 486
Thanked: 162 Times
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1. When the insurance comes up for renewal, claim NCB letter (50%) and then renew the insurance with own damage+Third party cover by paying premium for next year with NCB as 0%. The NCB will now be reset to 0% since I am claiming the letter for it. 2. When I get a new car later this year, use the NCB letter to avail NCB benefit from the first year itself. Is this possible? I have seen some members report transferring the NCB to a newer car without selling the old one but not sure if it will be applicable to my scenario. Last edited by praveen_v : 3rd November 2015 at 13:55. | |
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![]() | #3491 | ||
Senior - BHPian ![]() | ![]() Quote:
Please note that the NCB goes with the owner and not with the car. If you are still the owner of your old car, you will not be eligible for NCB as you have already claimed the same for the new car. If you transfer the old car within family, then the family person can start taking the advantage of NCB on the old car. Quote:
It is possible to transfer the NCB of the current car to new car even when the old car is not being sold. But I would suggest transfer the old car to someone in the family so that that person can take the benefit of NCB. | ||
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![]() | #3492 |
Senior - BHPian ![]() | ![]() NCB protection is not car specific, but Insurance co specific. It is upto the Insurance co to offer this dd on cover. Currently the add on cover is offered by Royal Sundaram, Future Generali, Bharati Axa, HDFC Ergo, Tata AIG, Bajaj Allianz etc. I think all major players do offer the NCB protection add on cover. |
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![]() | #3493 | |
BHPian Join Date: Jan 2015 Location: Mumbai
Posts: 266
Thanked: 289 Times
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The reason I know this is because the same HDFC Ergo had previously provided me a policy with NCB protection for my Jetta. | |
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![]() | #3494 |
BHPian Join Date: Feb 2007 Location: Delhi
Posts: 46
Thanked: 24 Times
| ![]() Hi Team, I am about to take the delivery of Scorpio S10 non 4x4. Dealer is pushing for zero dep insurance from Liberty Videocon.Please advice asap. ![]() |
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![]() | #3495 | |
Senior - BHPian ![]() | ![]() Quote:
I would suggest to buy the Comprehensive Insurance along with the Zero dep add on cover for your new car, at least during the initial years of ownership. Is the Insurance from Videocon provided free by the dealer?? | |
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