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Old 17th March 2019, 11:28   #4276
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Default Re: Automobile Insurance Queries? Ask me

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Originally Posted by diyguy View Post
Got a renewal notice from Maruti Insurance brokers for my 13 year old Swift ZXI with IDV of 1.08L at Rs 5002. Checked Coverfox and found Reliance to be cheaper at Rs 4534 for 2.21 IDV with free road side assistance included. Made the payment and received the policy in 15 mins.
Would they NOT refuse cashless claims in Maruti ASC, if you buy the insurance outside? This is what has been told to us at Mandovi, JP Nagar.
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Old 17th March 2019, 11:34   #4277
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Would they NOT refuse cashless claims in Maruti ASC, if you buy the insurance outside.
sorry missed mentioning that reliance has cashless tie up with all major service centers in Chennai. I just did a complete under chassis overhaul personally this past week and don't intend going to any garages henceforth but this is supported if needed.
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Old 18th March 2019, 12:56   #4278
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Default Re: Automobile Insurance Queries? Ask me

Dear members,

I drive an Elite i20 (Petrol). We purchased the car in April 2016, and its insurance renewal is due next month (shortly). Since the time I started working last year, I decided to take care of i20, since it is only me who drives it (my father drives a Ciaz).

The car is in immaculate condition, as it is used only by me and by the grace of god, we have never claimed insurance in past 3 years of ownership.

Of late, I have been browsing various websites (Policybazaar, Acko, CoverFox etc) and have requested various quotes. The only problem I have faced so far is, which provider to opt for. If the premium is low, the IDV offered is very low, and with respectable IDV quotes, the Premium amount is too high. I seek your experience and help to help me in this situation.

Last edited by Utsav3010 : 18th March 2019 at 13:11.
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Old 20th March 2019, 12:30   #4279
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Default Re: Automobile Insurance Queries? Ask me

My Abarth is due renewal in May 2019. Current policy is HDFC Ergo with Zero dep and Invoice protection covers. Paid ~27k for IDV of 7.22L. The car will be 3 years old in 2019.

Got a quote for ~17k with both these covers included and a higher IDV of 7.78L. I also checked policy wordings on the HDFC website and there was no 3 year limit. My question is, is the proper? AFAIK, RTI and other covers are available only for first 3 years.

Automobile Insurance Queries? Ask me-screenshot-20190320-12.21.10-pm.png

Automobile Insurance Queries? Ask me-screenshot-20190320-12.22.17-pm.png

Last edited by blackwasp : 20th March 2019 at 12:33.
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Old 20th March 2019, 14:47   #4280
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Default Re: Automobile Insurance Queries? Ask me

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Originally Posted by blackwasp View Post
I also checked policy wordings on the HDFC website and there was no 3 year limit. My question is, is the proper? AFAIK, RTI and other covers are available only for first 3 years.
It is OK. The RTI and other add on covers vary between insurance cos. Some offer RTI cover for 3 yrs some for even 6 yrs like Cholamandalam. The T&C of the add on cover needs to be read to understand the fine print.
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Old 25th March 2019, 15:57   #4281
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Default Re: Automobile Insurance Queries? Ask me

Any experience or review for Acko? The quote I'm getting is atleast Rs. 5,000 cheaper but my friendly agent tells me they don't have a garage network and claiming cashless is a pain. I'm still tempted to go with Acko considering all the tech talk and future of insurance idea that they're selling (plus they are 20% cheaper).
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Old 25th March 2019, 16:12   #4282
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Default Re: Automobile Insurance Queries? Ask me

repeating my query from NCB thread.
Do I need to have a hard copy of the NCB letter for transfer?
All I have is a soft copy I got from the call centre and the new agency is insisting on having a hard copy.
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Old 26th March 2019, 08:25   #4283
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Default Re: Automobile Insurance Queries? Ask me

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Originally Posted by Nonstop-driver View Post
Any experience or review for Acko? The quote I'm getting is atleast Rs. 5,000 cheaper but my friendly agent tells me they don't have a garage network and claiming cashless is a pain. I'm still tempted to go with Acko considering all the tech talk and future of insurance idea that they're selling (plus they are 20% cheaper).
You can get more reviews of Acko in this thread. Post your query here.

https://www.team-bhp.com/forum/india...y-reviews.html (Acko & Digit, the new insurance firms. Any reviews?)

Quote:
Originally Posted by avingodb View Post
repeating my query from NCB thread.
Do I need to have a hard copy of the NCB letter for transfer?
All I have is a soft copy I got from the call centre and the new agency is insisting on having a hard copy.
Check my response in the NCB thread.

https://www.team-bhp.com/forum/buyin...ml#post4564684 (ARTICLE: No Claim Bonus - How to save on your insurance premiums!)
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Old 27th March 2019, 12:43   #4284
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Okay guys, here is my looooonnnnnnng claim story with Reliance General Insurance.
Accident date: 16 March 2019
Accident time: 13:00
Location: Near Ghaziabad (NCR)
Insurer: Reliance General Insurance

What happened?
At around 60 kph, I am moving parallel to a truck. Suddenly a dimwit motorcyclist decided to come in front of the truck from a gap in the median. This resulted in the truck driver applying brakes and swerving to left, where I was driving. I quickly turned left and ended up with an underbody hit.

Automobile Insurance Queries? Ask me-whatsapp-image-20190316-13.54.18.jpeg
Don't go by that shiny exterior, I washed and waxed it 3 hours prior to accident, and yes; that's a TBHP sticker on number plate

Damages:
Bumper scratched, bulkhead, radiator

Automobile Insurance Queries? Ask me-whatsapp-image-20190316-15.35.43.jpeg
How was RSA?
I must appreciate that it was quick, within 45 minutes of the crash, the car was on the truck.

Now starts the harrowing experience (Get your blanket and pillows, it's long and boring)
Okay, my car was dropped to VW NCR East service station in Sahibabad. As soon as the truck entered the place, I was sure that we are at a wrong address. VW service stations don't service such a large number of cars. Maybe Maruti? Well, all around were the logos those looked like they love cheating (both emission and customers); so I was assured that I am at the right place.

First thing the guy who grabbed my car key did was 'start the car', now imagine this situation. I am telling them that my wife is shot in the head and first thing they do is check the depth of the shot!!

After 5 seconds the man understood that there is no coolant in the car and he won't be able to take it to his in-law's house today after the customer is gone.

The car is repaired in 3 days
Survey happened the next day and the repair work was done within 4 days (Holi break in between, hence delay of a day). Now the car is ready on Saturday (23rd March), and I am yet to receive it.

Me: Bhagwan ke liye meri gaadi chhod do! (Leave my car for God's sake)
They: Bhagwan ke liye chhod denge, toh hum kya chalayenge? (If we leave it for God, what will we have fun with?)

Now it's already 4 days and my car isn't getting delivered, because the insurance surveyor hasn't yet provided the DO or delivery order.

Tell me what to do?
Now someone suggest me, how to proceed? I have 3 methods:
  • Wait!
  • Watch movies and wait!
  • File a complaint and wait!

Fact sheet:
  • Bill has been sent to the surveyor 2 days back
  • Surveyor claims that their Reliance General software isn't working!

Requesting the jury to drop in their suggestions. I am in no hurry to get the car, but still, I would like to have it home asap.

Last edited by VKumar : 27th March 2019 at 12:56.
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Old 27th March 2019, 13:12   #4285
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Default Re: Automobile Insurance Queries? Ask me

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Originally Posted by VKumar View Post
Okay guys, here is my looooonnnnnnng claim story with Reliance General Insurance..
Call reliance general at the number you see in whatever email they sent you when the claim was filed. There will be the surveyor number and then some individual from the insurer. Call that person and ask him. I suppose the surveyor hasn't even filed everything yet.
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Old 27th March 2019, 16:32   #4286
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Default Re: Automobile Insurance Queries? Ask me

How is New India Assurance in NCR? Do they offer cashless facility at Honda workshops?

My car's insurance is expiring on 31st March.

With IDV of 7.50L, zero NCB and Zero Depreciation Addon, New India Assurance's premium is Rs.14,400 on policybazaar.

Whereas, it is showing Rs.17,368 for Digit insurance. For better ones like Bajaj Allianz, Iffco-Tokio, premium is in the range of 28-29k.

Which one should I go for?
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Old 27th March 2019, 21:20   #4287
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Default Re: Automobile Insurance Queries? Ask me

Can i get an add on cover if i am making an international trip? Like to bhutan or nepal? I did not take the add on cover when renewing, but is it possible to do so now? Insurer in question is new india.
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Old 27th March 2019, 23:20   #4288
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Originally Posted by mukeshgoel View Post

Which one should I go for?
Go with the one which provides cashless facility nationally with Honda service stations and just don't forget to take one with RSA; towing charges at times end up higher than repair itself.

Trust me man, the 10,000 you spend more will save you from immeasurable headache if ever things go out of sync.
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Old 28th March 2019, 10:46   #4289
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Default Re: Automobile Insurance Queries? Ask me

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Originally Posted by hserus View Post
Call reliance general at the number you see in whatever email they sent you when the claim was filed.
Thanks a lot sirji, did the same and got the car delivered yesterday.

Here comes another part of the story:
There is a component in the bill which they have charged my insurance for, and that's a good amount too.

But when I was doing some DIY in the morning, I discovered that there is still the same old component. In other words, I have the bill of a new component and a car with the old component. What am I supposed to do now?

In addition, I noticed that one horn has also conked off, probably nobody checked the horn and I discovered it only when I was driving last night that only one horn is working. In the morning, I removed fog lamp and tried to see if anything can be done - all in vain. Is it possible to claim the same now?
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Old 28th March 2019, 11:38   #4290
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Default Re: Automobile Insurance Queries? Ask me

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Originally Posted by VKumar View Post
Here comes another part of the story:
There is a component in the bill which they have charged my insurance for, and that's a good amount too.

But when I was doing some DIY in the morning, I discovered that there is still the same old component.
Escalate to the car manufacturer on their complaints number. Copy the insurer on this as well so they can take it up with the dealership. At any rate the dealer will have some fun paperwork to complete with both the manufacturer and the insurer.
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