[Mahesh Babu]

My Royal Enfield Interceptor is nearing its 5-year mark. I have an insurance policy with ICICI Lombard that includes 1-year OD cover and 5-year third-party cover. With the policy expiring on 11th November 2024, I attempted an online renewal but found only the comprehensive cover option. The local branch informed me that the system does not offer third-party cover alone, thus preventing renewal without opting for a comprehensive policy. I am concerned about being pressured into purchasing comprehensive cover, which I do not require. I understand that regulations mandate insurance companies to provide third-party coverage upon request, while they may decline OD coverage or additional features like bumper-to-bumper based on their criteria. If my understanding is correct, could you advise on how to escalate this matter beyond the branch level to complete my renewal?

[ghodlur]

Originally Posted by Mahesh Babu

My Royal Enfield Interceptor is nearing its 5-year mark. I have an insurance policy with ICICI Lombard that includes 1-year OD cover and 5-year third-party cover. With the policy expiring on 11th November 2024, I attempted an online renewal but found only the comprehensive cover option. The local branch informed me that the system does not offer third-party cover alone, thus preventing renewal without opting for a comprehensive policy. I am concerned about being pressured into purchasing comprehensive cover, which I do not require. I understand that regulations mandate insurance companies to provide third-party coverage upon request, while they may decline OD coverage or additional features like bumper-to-bumper based on their criteria. If my understanding is correct, could you advise on how to escalate this matter beyond the branch level to complete my renewal?

Since the TPL premium is already paid for 5 years, the OD premium only will be renewed. So little confused about your requirement here, do you want only the TPL cover for the bike or with OD cover as well? If so then you do not need to renew the Insurance policy, but ask the TPL cover separately as a policy from the Insurance company.

[rx100]

Originally Posted by Mahesh Babu

My Royal Enfield Interceptor is nearing its 5-year mark. I have an insurance policy with ICICI Lombard that includes 1-year OD cover and 5-year third-party cover. With the policy expiring on 11th November 2024, I attempted an online renewal but found only the comprehensive cover option. The local branch informed me that the system does not offer third-party cover alone, thus preventing renewal without opting for a comprehensive policy. ?

I’m not sure why the branch is denying TP renewal. Did you try with any other agents? Since you are interested only in TP, the premium going to be same for any insurance provider and you can opt for a new one from your choice of providers. Nowadays I am taking my scooter TP from PolicyBazaar only.

Originally Posted by ghodlur

Since the TPL premium is already paid for 5 years, the OD premium only will be renewed.

I believe his TP coverage for 5 years is expiring and planning to renew it.

[ptushar]

Hi,

Need help from the experts on this forum. I have two queries:

1. I need to renew my car insurance for my Hexa. The car is 7 years old now. My existing plan (Tata AIA) has a component for Depreciation Reimbursement. And my renewal quote also shows this component for Rs 6,434. However when I tried to get a quote from Acko, they said that this component is not applicable for cars which are aged beyond 5 years. Is this correct? And if this is true and if I have paid for this on my existing insurance then will this be payable by the insurer if at all a claim arises, despite the car being over 5 years of age?

2. I am planning to sell my older car (i10) and buy a new car. Can I transfer my 50% NCB from my existing car to my new car's insurance? Will this in any way affect the insurance of my old car, since I need to sell this with Insurance.

Appreciate your help on these. Thank you.

[ghodlur]

Originally Posted by ptushar

Hi,

Need help from the experts on this forum. I have two queries:

1. I need to renew my car insurance for my Hexa. The car is 7 years old now. My existing plan (Tata AIA) has a component for Depreciation Reimbursement. And my renewal quote also shows this component for Rs 6,434. However when I tried to get a quote from Acko, they said that this component is not applicable for cars which are aged beyond 5 years. Is this correct? And if this is true and if I have paid for this on my existing insurance then will this be payable by the insurer if at all a claim arises, despite the car being over 5 years of age?

2. I am planning to sell my older car (i10) and buy a new car. Can I transfer my 50% NCB from my existing car to my new car's insurance? Will this in any way affect the insurance of my old car, since I need to sell this with Insurance.

Appreciate your help on these. Thank you.

By the term Depreciation Reimbursement, I assume it means the Zero Depreciation add on cover. If yes, then it depends on the Insurance cos to offer the add on along with the Own damage premium. If Acko is refusing the same it may be their policy. If you have a zero depreciation add on cover with existing Insurance co, then during any claim the Insurer is liable to pay for the repairs except for the compulsory deductible and consumables.

Yes, you can use your existing NCB for buying Insurance of new car. Suggest to get the NCB endorsement from your old car Insurance co and use it when buying Insurance for the new car. If the New car Insurance co is same as the old car, then the process becomes even smoother.

[naikpranav]

On November 10, 2024. I was driving in Satara, when a buffalo charged out of a bush, (see video) and collided with my car - VW Taigun. (Buffalo is ok thankfully) Despite taking evasive measures, the left side of the car is dented. I took the car to VW Downtown on November 11, which is my Authorised Service Center. HDFC Ergo’s surveyor checked the car on November 12, and approved most of the repairs,

Front Dashcam video

https://youtu.be/njuXxq4s5SI

Rear Dashcam video

https://youtu.be/4NtbW6GjLFc

however, some more damage was found inside the hood, with a plastic headlight clip being broken. In my knowledge this part cannot be repaired as it is plastic. The HDFC Ergo surveyor called me to say an “outside agency” will do these repairs. However VW will not honour their warranty on the rest of the headlight in the future.



Moreover a quarter panel has a slight dent, and needs repairs as well, it is very clear from the second video that the buffalo, one can see it kicking to the left, which is very clearly the cause of the previously non-existent dent. This is being denied totally.





I do not accept this as I will have nobody to go to if something happens to this headlight in the future. I have also paid for zero-depreciation insurance on my car, and have an impeccable driving record for the past 22 years. I do not expect to be sent pillar to post on a new car for no fault of mine just so the insurance company can save some money, for which a sizeable premium is paid.

[ghodlur]

Originally Posted by naikpranav

nDespite taking evasive measures, the left side of the car is dented.
however, some more damage was found inside the hood, with a plastic headlight clip being broken. In my knowledge this part cannot be repaired as it is plastic. The HDFC Ergo surveyor called me to say an “outside agency” will do these repairs. However VW will not honour their warranty on the rest of the headlight in the future.

Moreover a quarter panel has a slight dent, and needs repairs as well, it is very clear from the second video that the buffalo, one can see it kicking to the left, which is very clearly the cause of the previously non-existent dent. This is being denied totally.

Sorry to hear the incident and damage to the car.

I am more surprised by the lack of VW workshop to not identify the repair estimate correctly, maybe they were hand in glove with the HDFC ergo surveyor. The car should have been checked in all respects when a claim is raised. In the days when the workshops identify even a scratched component for replacement, here the damage would have been visible clearly.

I think you should raise it with the HDFC ergo ombudsman as well as with the VW workshop highlighting the issue.

[naikpranav]

Originally Posted by ghodlur

Sorry to hear the incident and damage to the car.

I am more surprised by the lack of VW workshop to not identify the repair estimate correctly, maybe they were hand in glove with the HDFC ergo surveyor. The car should have been checked in all respects when a claim is raised. In the days when the workshops identify even a scratched component for replacement, here the damage would have been visible clearly.

I think you should raise it with the HDFC ergo ombudsman as well as with the VW workshop highlighting the issue.

I took it up with some higher ups at HDFC. They were going with the same line.

Until I pointed out that the headlight was broken in two places, and the surveyor was hiding the second (more serious) damage so that I accept the "glue" repair that he was suggesting.



Once I pointed this out, the replacement was immediately accepted.

Now, the second problem is this very light dent that is nearly not visible. There are scrape marks from the buffalo right underneath, and the buffalo was obviously not standing still. They are refusing to accept that this could be part of the same accident, and are instead blaming me for hitting it with a ball or something.



I can't believe how this can be so difficult despite me having so much video, and photographic evidence? I have been very thorough with all details, and they all match accurately. The surveyor even tried to tell me I was going 70km/h, even while the video has a speedstamp on it. If this wasn't the case they would've probably denied the entire claim!

I am considering taking this up with the ombudsman despite most of the claim being accepted, and complaining about this company. Would love to know if this is feasible.

[self_driven]

Originally Posted by naikpranav

I am considering taking this up with the ombudsman despite most of the claim being accepted, and complaining about this company. Would love to know if this is feasible.

This dent is barely visible. Not worth losing your sleep over it. What is visible, though, is some paint difference between the rear door and the quarter panel. Make sure you get it corrected before taking the keys.

EDIT: Just noticed that the door panel is unfinished.

[ghodlur]

Originally Posted by naikpranav

Attachment 2684435

If the scrapes are on the wheel cladding i.e plastic, then you could ask the workshop to try polishing the same with a good compound, the part may not need replacement at all.
If the dent is not visible but felt then I think you should leave it there. To remove the dent then whole door assy might need to be dismantled and dent addressed which is not worth the effort IMHO.

[naikpranav]

Originally Posted by self_driven

This dent is barely visible. Not worth losing your sleep over it. What is visible, though, is some paint difference between the rear door and the quarter panel. Make sure you get it corrected before taking the keys.

EDIT: Just noticed that the door panel is unfinished.

Thank you!
I am asking about escalation despite HDFC Ergo accepting all the parts of the claim finally because they did try to cheat me by hiding facts on purpose. When they were confronted by it, they accepted everything.

This is terrible behaviour, and if anyone else has fought with the insurance company in such a situation I would like to know. In other countries this could become a class action lawsuit, and I don't want to let it go so easily, especially as I can mostly send emails, and fight it out.

Let me know what you guys think?

[self_driven]

Originally Posted by naikpranav

In other countries this could become a class action lawsuit, and I don't want to let it go so easily, especially as I can mostly send emails, and fight it out.

Welcome to India buddy!

On a serious note, how smoothly claims go majorly depends on the surveyor handling the case. Some folks are picky while some are flexible. It is normal practice to add more parts for the insurer to cover as and when they are identified. It is upon the dealership to coordinate with the surveyor for repair approval. But in your case, it seems that the VW dealership also sided with the surveyor, as the damaged headlight could've been identified beforehand and approved in one go. HDFC, being one of the better insurance providers out there, accommodated your request without any drama once you reached out to them with pictures. Realistically speaking I don't think you'd get anything more than an automated apology mail from them even if you escalate this.

[Autokett]

Hi folks, thanks for the good work with support around here!
I have a query regarding insurance claim for a part replacement:

My car, volkswagen, touched a speed breaker, led to some damage on catalytic converter. Car is less than 2 years old, insurance covers zero-dep, engine protection, and all the add-ons there are.
The showroom guy said the insurance surveyor told that there will be a 20% salvage deduction (he said he negotiated ghat down from 35%).
He asked me to potentially pay upwards of 40k for the repairs.
I informed him that this should not be the case since 1. I didn't ask for the part, Insurance company can do whatever they want with the part, 2. I have zero dep cover
So I wouldn't be paying a single rupee beyond claim charge on the repairs.
Am I missing something? Or was I being taken for a ride?

Appreciate the support!

[smrtdvl]

The first year car insurance renewal for my XUV400 EV is coming up but apart from Reliance general insurance via Mahindra insurance brokers, am not able to get quote for the same from any other insurance provider because nobody offers motor protect add on. Renewal quote provided is very high so would like to know if there are any other options for me. TIA

[ghodlur]

Originally Posted by smrtdvl

The first year car insurance renewal for my XUV400 EV is coming up but apart from Reliance general insurance via Mahindra insurance brokers, am not able to get quote for the same from any other insurance provider because nobody offers motor protect add on. Renewal quote provided is very high so would like to know if there are any other options for me. TIA

You can check on the online comparators like coverfox, Policy Bazaar to check the market premiums and compare them with the Insurer website quotes. You will get a fair idea of the premiums and available Insurance cos. Ensure that you keep the IDV correct (i,e 10% less than last years) and you know which insurance cos have a cashless tie up with the workshop where you would normally service the car. For a new car I would suggest zero dep, Key protect, RSA and Return to Invoice add ons.