![]() | #4231 | |
BHPian Join Date: Dec 2016 Location: BANGALORE
Posts: 263
Thanked: 946 Times
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No thumb rule for the add on covers. I have felt zero dep and ncb protection are the most valuable add on covers. Engine protection and conumable cover etc are more useful in luxury cars, not for regular cars. | |
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![]() | #4232 |
BHPian Join Date: May 2017 Location: KA01
Posts: 129
Thanked: 115 Times
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Thank you. That helps. Could you please advice on whether I should stick to Bajaj Allianz or should I go with Bharti AXA? I enquired with another dealer and they are saying both are the same. There's no difference as both are Hyundai Assurance Program. |
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![]() | #4233 |
BHPian Join Date: Dec 2016 Location: BANGALORE
Posts: 263
Thanked: 946 Times
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Go ahead with Bajaj, as you already have a good experience. Hyundai has very good Claim settlement process with all major insurance providers. |
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![]() | #4234 | |
BHPian Join Date: May 2017 Location: KA01
Posts: 129
Thanked: 115 Times
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![]() | #4235 |
BHPian Join Date: Dec 2016 Location: BANGALORE
Posts: 263
Thanked: 946 Times
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Double check for the IDV, compulsory deductible levels. These dealers have the knack of quoting low premium and giving a policy which is for lower IDV. Make them send a mail with the quote and pay online only. Tell them to send a direct link to the Insurance company payment site. |
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![]() | #4236 | |
BHPian Join Date: May 2017 Location: KA01
Posts: 129
Thanked: 115 Times
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Thanks again for the help! ![]() | |
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![]() | #4237 |
BHPian ![]() | ![]() My Grand i10 Petrol Magna is just over 4+ years. We have always taken the Future Generali auto insurance, and turned to it's Zero dep policy from Year 3. Future Generali just because our corporate tie-up for group vehicles is with them, and I feel safer that I'll be not man-handled during any insurance claim, if any. We have never claimed insurance ever, and I apologize for being a complete dunce in this matter. Everything is processed by the office guys. A couple of months back, some miscreant keyed both the FR and RR doors, and the marks are pretty deep and visible. I want to understand whether I could claim insurance on this, and what percentage would I have to pay? I am also thinking of getting the clutch assembly replaced/overhauled too if i'm claiming insurance. PS : I am not trying to fleece the insurance company. I presently just am weighing the options or getting the car repaired at minimum cost to me, as the zero dep policy will not be valid from 5th year onwards. Thanks in advance. |
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![]() | #4238 | ||
Team-BHP Support ![]() Join Date: Sep 2010 Location: All over!
Posts: 6,074
Thanked: 11,942 Times
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Quote:
Last edited by libranof1987 : 4th April 2018 at 09:05. | ||
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![]() | #4239 |
BHPian Join Date: Dec 2016 Location: BANGALORE
Posts: 263
Thanked: 946 Times
| ![]() Hi all. Need some clarification regarding overlapping or double insurance policies. 1.Is it possible to have two insurance policies for the same car - If yes then is it possible to get claims for different accidents from each one of them(no double claim business but genuine claims). If no, which one would be valid or both would be invalid? 2.What happens if there is a overlap of insurance for a couple of days? For example, the insurance ends today 17th april but the new policy has been taken/issued inadvertently from 16th april itself(instead of 18th april). If there is a accident on 16th or 17th which insurance we should claim from. Last edited by aadya : 17th April 2018 at 12:21. Reason: spelling |
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![]() | #4240 | |
Senior - BHPian ![]() | ![]() Quote:
2. The policy which is valid for the policy period when the accident happened would be the one from which Insurance can be claimed. If the recently bought policy is applicable from 16th, then claims should be raised against the latest Insurance co. | |
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![]() | #4241 |
Senior - BHPian Join Date: Mar 2007 Location: Kolhapur
Posts: 1,637
Thanked: 1,596 Times
| ![]() Has anyone claimed insurance recently without the insurance company asking for Aadhar. If so, how recently & which insurance company? |
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![]() | #4242 |
BHPian ![]() Join Date: Apr 2017 Location: Bengaluru
Posts: 102
Thanked: 65 Times
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I made a claim from ICICI Lombard in the second week of March 2018. At first, submission of documents happened without Aadhar, but then I got a call from the workshop next day asking for a copy of Aadhar. When I asked for the reason, they said Aadhar is mandatory for all claims and that they missed enclosing it to the insurance company along with the claim form. Hope this helps! |
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![]() | #4243 | |
Senior - BHPian Join Date: Mar 2007 Location: Kolhapur
Posts: 1,637
Thanked: 1,596 Times
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![]() | #4244 |
Distinguished - BHPian ![]() ![]() | ![]() Quick questions, * What's engine protection cover? * What's invoice price protection? The company is National Insurance and car is a 2016 Brezza. Is it advisable to take these? |
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![]() | #4245 | |
Distinguished - BHPian ![]() ![]() | ![]() Quote:
Invoice price protection AFAIK gives you right to claim full amount paid during purchase of vehicle including road tax in case of total loss. Whether you need these depends on personal preference. I'd avoid return to invoice since it is applicable only in case of total loss. Engine protection too can be avoided considering you are an informed vehicle owner who will keep an eye on oil level and warning lights and avoid water logged roads. | |
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