[sohamd@1994]

Originally Posted by self_driven

Send emails to the higher-ups explaining your situation in detail. Insurance companies do cover additional damages that are discovered later during the course of repair but getting approval for such damages is a royal pain. Your demands are not unjust, so a positive outcome is likely.

https://www.icicilombard.com/grievance-redressal

I've initiated escalation by emailing customersupport@icicilombard.com to explain the situation.

Do you think I should go ahead and pay the remaining amount to the service center, take delivery of my car, and then resolve the issue with ICICI later? Or would you advise against taking delivery until the matter is fully resolved?

[KeepItSimple]

Hello experts,

I am due for renewal of own damage insurance for my electric car xuv 400, now a year old.
IDV as per the dealer is 1457190. Mode is el pro 39.4 kwh. Purchase date is 29th April 2024.
The proposals by the dealer is highly variable from 23k by royal sundaram to 70k by hdfc ergo with all add ons. This has left me confused.
Please advise on the essentials required for an electric vehicle and on the suitable insurance company. Existing insurance provided by the dealer is with liberty insurance.

Thank you in advance.

[ghodlur]

Originally Posted by KeepItSimple

Please advise on the essentials required for an electric vehicle and on the suitable insurance company.

The basic essentials required for a car insurance are:
1. Return to Invoice
2. Zero Depreciation
3. Key & Lock replacement
4. Consumables (not mandatory)

For electric vehicles specific add ons:
1. Electric motor cover
2. Battery cover
3. Personal/Public charging station cover
4. Accessories cover

Most of the Insurance cos do not have specific EV insurance add on covers with Reliance and HDFC Ergo as exception. It will be good to connect with the workshop to check out the Insurance cos who provide add on for EVs.

https://www.reliancegeneral.co.in/mo...-car-insurance

https://www.hdfcergo.com/docs/defaul...prospectus.pdf

[KeepItSimple]

Originally Posted by ghodlur

The basic essentials required for a car insurance are:
1. Return to Invoice
2. Zero Depreciation
3. Key & Lock replacement
4. Consumables (not mandatory)

For electric vehicles specific add ons:
1. Electric motor cover
2. Battery cover
3. Personal/Public charging station cover
4. Accessories cover

Most of the Insurance cos do not have specific EV insurance add on covers with Reliance and HDFC Ergo as exception. It will be good to connect with the workshop to check out the Insurance cos who provide add on for EVs.

Thank you for your kind help and advice. This guidance is most useful.

[self_driven]

Originally Posted by sohamd@1994

I've initiated escalation by emailing customersupport@icicilombard.com to explain the situation.

Do you think I should go ahead and pay the remaining amount to the service center, take delivery of my car, and then resolve the issue with ICICI later? Or would you advise against taking delivery until the matter is fully resolved?

Better to not initiate repair until ICICI gives approval for full amount. Even if repair is complete, I'd advise against paying up or taking delivery until a resolution is provided. I don't understand the logic behind paying 50% for the fog lamp! On what basis was the claim rejected? Even if it was, why did ICICI agree to pay 50% of the amount? Something is amiss.

[aneeshkumarag]

Hi everyone,
I purchased a Tata Punch Creative AMT DT vehicle last year. I would like to share with you an incident I recently faced with my car. I met with an accident on December 13th near Madurai and the front of my car was severely damaged. The car has an amazingly strong body and luckily me and my family are all safe. That being an AMT vehicle, stopped completely in the middle of the road, midnight, while it was raining. I informed the nearby station and the vehicle was pushed to the side of the road and with the help of a towing vehicle, we moved it to a nearby Tata workshop.

The workshop gave an estimate of 7.74L. The insurance IDV was 8.9L. Most importantly, the insurance was with ICICI. After 50 days, for a car worth 10.5L, the insurance approved 3.5L saying there is no external damage to the engine and gear box. They dont seem to consider the fact that the engine and gearbox are not working anymore. The policy wordings clearly mention that accidental damages are covered and the insurance will take care of both repair and replacement. However, in this case, somehow they are not even ready to check what went wrong in the engine. And while all this happened due to the accident, they claim I do not have engine protect. While engine protect clearly mentions it covers damages due to oil leakage or water ingression, my case is a mechanical failure due to accident.

Tata is also unsuccessful in helping me. I did not get any proper support from either Tata Motors or ICICI Insurance. Infact this insurance was recommended by Tata when I purchased the car. They handled the formalities for me. I bought this vehicle only in April 2024. It was just 8 months since purchase that this happened! ICICI says they will pay only if a part is broken due to an accident. Not if it's not functioning due to an accident. They say internal damage is not damage. Only external damage is what insurance covers. I wish they were this clear when I got the insurance! Its written nowhere! I feel very cheated. It has been almost 5 months now, and I am still paying the EMIs diligently for a car that I am not even able to use!

Lessons learnt:
1. Go for a car with a solid build quality. You never know what it can save you from!
2. When getting insurance, get all the add-ons possible so that no insurance company can deny you with lame excuses. Even while getting a new car!
3. Read the reviews on all platforms before buying any insurance. Most importantly, steer clear of ICICI Lombard.
4. While trying to get an insurance settlement, keep all communications verbal through emails. Phone conversations or even in-person communications won't help when you try to take any legal action.
5. Learn about the EMI protector add-on/insurance! It would also help you in such unforeseen circumstances.

Hoping my issue gets sorted soon and I get justice!

[KumarS]

Experts, I need help urgently as I have to decide what to do next for insurance.

I purchased a used vehicle last year October and have the documents signed from both parties.
Due to unavailability of my time, I could not initiate the transfer of vehicle and hence the insurance .

Now Insurance is expiring tomorrow ( Oriental Insurance) and I have contacted one agent for transfer of ownership ( same state) as I am still not present physically at location.

I have option to renew the insurance on previous owner's name and then initiate the Insurance transfer.

Or Can I Just renew the third party, proceed with vehicle ownership transfer, then transfer the third party and buy Own damage on my name.

Or Postpone the Insurance till I get the ownership transfer complete (seems dangerous as there are two (200km) trips planned by family before end of this month).

What are my options, premium is not much as in oriental after some discount ( Underwriter's Discount and 50% no claim bonus ). Worried about the process

I believe I will have to pay during the insurance transfer because of discount in current proposal below. I can't change the IDV, other insurer are giving much higher IDV.

[aadya]

Originally Posted by ghodlur

2. Zero Depreciation
3. Key & Lock replacement

I have a question regarding this key and lock replacement cover. I have 6.5 yr old Rapid for which I have lost the remote key and have this cover from future generali. I have 50% NCB. Now the replacement remote cost 12k. Entire lock set replacement with a new remote and spare key costs 7.5k and labour charge of 4 k, total 11.5k. Compulsory deductible is 2k. The executive calling from FG is telling that i would loose my NCB. Is it right?

[Aviator_guy]

Originally Posted by KumarS

I have option to renew the insurance on previous owner's name and then initiate the Insurance transfer.

Or Can I Just renew the third party, proceed with vehicle ownership transfer, then transfer the third party and buy Own damage on my name.

Or Postpone the Insurance till I get the ownership transfer complete (seems dangerous as there are two (200km) trips planned by family before end of this month).

What are my options, premium is not much as in oriental after some discount ( Underwriter's Discount and 50% no claim bonus ). Worried about the process

I believe I will have to pay during the insurance transfer because of discount in current proposal below. I can't change the IDV, other insurer are giving much higher IDV.

Attachment 2751022

Less complicated option is to renew insurance (OD+TP) in current owner name. Once RTO name transfer is done, you can initiate insurance transfer after you receive updated RC. That's how most resale works.

Whichever path you take, at least don't let the third party insurance expire since it is mandatory as per law. In fact, I'd suggest to keep insurance as it is and renew in current owner name. It'd be less hassle in future when you want to get insurance transfered in your name rather than buying fresh insurance. You may need additional paperwork /physical visit to their office along with the vehicle if current insurance expires and you want to purchase new insurance in your name. May not be worth the hassle.

[Aviator_guy]

Originally Posted by aadya

I have a question regarding this key and lock replacement cover. I have 6.5 yr old Rapid for which I have lost the remote key and have this cover from future generali. I have 50% NCB. Now the replacement remote cost 12k. Entire lock set replacement with a new remote and spare key costs 7.5k and labour charge of 4 k, total 11.5k. Compulsory deductible is 2k. The executive calling from FG is telling that i would loose my NCB. Is it right?

Yes, any insurance claim would make you lose NCB, even if it is for key replacement.

[self_driven]

Originally Posted by aneeshkumarag

It was just 8 months since purchase that this happened! ICICI says they will pay only if a part is broken due to an accident. Not if it's not functioning due to an accident. They say internal damage is not damage. Only external damage is what insurance covers.

Sorry to hear about your ordeal. Did the dealership point out the exact reason for engine failure in their diagnosis? 7.5 lakh is a huge estimate, even for a severe frontal collision. I'm sure there must be some engine and gearbox components that were damaged directly due to the impact/hit and need replacement.

Raise a complaint with ICICI grievance cell first and then take it up with the insurance ombudsman. Consumer court is always an option, but there is 50-50 chance of a favourable outcome because, without an engine protect add-on, this remains a grey area where every insurer operates on their conditions on what counts as damage, what does not, under what circumstances to cover such damage, and so on. ICICI is notorious for such tactics.

Ideally, the insurance company covers all damages resulting directly from an accident. Engine protect add-on provides coverage for consequential damage, such as hydrolock, or engine seizure due to oil leakage resulting from an underbody hit. Such damage is not a direct result of an accident but a consequence of driving under unfavourable circumstances. In your case, the insurer will try to term it as consequential damage and wash their hands off by pulling all sorts of hidden terms and clauses from policy wordings.

If the dealership is able to prove that the damage is a direct result of the impact, there is a good chance that the insurer will eventually pay up after enough back and forth. Even if they are willing to cover a major percentage of repair cost, I'd suggest you to take that route instead of wasting your time and energy in legal proceedings. I have requested the mods to move this post to a new thread for more visibility. Do keep us posted on the developments.

[aadya]

Originally Posted by Aviator_guy

Yes, any insurance claim would make you lose NCB, even if it is for key replacement.

Thanks for the information. But it seems in the Future Generali policy I have, NCB does not get affected by the key replacement cover(means the non accident add ons). Was confirmed by the Surveyor(over phone) and the claim team by email.

[ghodlur]

Originally Posted by aadya

Thanks for the information. But it seems in the Future Generali policy I have, NCB does not get affected by the key replacement cover(means the non accident add ons). Was confirmed by the Surveyor(over phone) and the claim team by email.

This could be the case if you have the NCB protection add on cover in the Insurance policy where any claim will have no impact on the NCB. Hope you have verified this.

[aadya]

Originally Posted by ghodlur

This could be the case if you have the NCB protection add on cover in the Insurance policy where any claim will have no impact on the NCB. Hope you have verified this.

I do not have NCB protection as i came to know that if works only for the claims made for the incidents happening when the car is parked.

[vsrivatsa]

Hi Wise-ones,

My car got scratched while parked - not sure if it's some kids or some dog did it. The Body Shop seems to say it's the work of a dog.

Attaching the pictures for reference:







I visited the Body Shop of Nexa in Bangalore and they seem to say these are just scratches and there is no damage and we cannot claim Insurance on it.

Is this true? Any guidance here would be helpful in terms can I make a claim for the scratches shown?

Note: I do have a Zero Dep Insurance from Royal Sundaram