[self_driven]

Originally Posted by vsrivatsa

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?

Not true. You can file an insurance claim, although it is not advisable for minor scratches. Visit a different MASS or talk to Royal Sundaram customer support for garage recommendations if you want to go that route. Otherwise, in my opinion, a good quality touch-up from an FNG will take care of most of these damages, without "3 repainted panels" showing up in your vehicle history.

[ghodlur]

Originally Posted by vsrivatsa

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?

The guidance is there in your policy document wordings, kindly check the same and introspect under which cause can the claim be registered? I have pasted below the standard wording for quick reference. If you can prove to the Surveyor that the scratches are due to any reason mentioned below, then Insurance co cannot stop you by raising a claim.

Section-1 Loss of or damage to the vehicle insured
The Company will indemnify the insured against loss or damage to
the vehicle insured hereunder and / or its accessories whilst thereon
i. By fire explosion self ignition or lightning ;
ii. By burglary housebreaking or theft ;
iii. By riot and strike;
iv. By earthquake (fire and shock damage);
v. By flood typhoon hurricane storm tempest inundation cyclone
hailstorm frost;
vi. By accidental external means;
vii. By malicious act;
viii. By terrorist activity;
ix. Whilst in transit by road rail inland-waterway lift elevator or air;
x. By landslide rockslide.

My suggestion is either get it done at a FNG or live with it till the time there is an eligible claim and combine it. I know its painful to live with the scratches but you can overcome it.

[Aviator_guy]

Originally Posted by self_driven

Not true. You can file an insurance claim, although it is not advisable for minor scratches. Visit a different MASS or talk to Royal Sundaram customer support for garage recommendations if you want to go that route. Otherwise, in my opinion, a good quality touch-up from an FNG will take care of most of these damages, without "3 repainted panels" showing up in your vehicle history.

Not sure if insurance would be approved for scratches which are not caused by an accident. In the past, I used to enquire with MASS about what to do in such cases and typical answer I used to get is that they would do some 'jugaad' to claim insurance. Basically their driver would make the car hit a pillar mildly so as to create small dents and then make a case for insurance. This was totally unacceptable to me and unethical as well so I never pursued that path.

[self_driven]

Originally Posted by Aviator_guy

Not sure if insurance would be approved for scratches which are not caused by an accident.

I have had no problems claiming insurance for minor scratches on my car's bumper caused by brushing against a parking wall. Also it was a second claim within 2 months, and since NCB was already gone, I decided to get it repainted under insurance and paid the file charges only. No fake scenario was created or suggested by the workshop. It's been a few years since this happened, maybe I was lucky or my insurer was too generous!

[Aviator_guy]

Originally Posted by self_driven

I have had no problems claiming insurance for minor scratches on my car's bumper caused by brushing against a parking wall. Also it was a second claim within 2 months, and since NCB was already gone, I decided to get it repainted under insurance and paid the file charges only. No fake scenario was created or suggested by the workshop. It's been a few years since this happened, maybe I was lucky or my insurer was too generous!

Hitting against a wall is an accident (own damage) and admissible under insurance. What I referred were general scratch marks which can not be attributed to an event but which may have happened over time. That's why MASS offered to intentionally hit the car to make it easier to claim insurance.

[self_driven]

Originally Posted by Aviator_guy

Hitting against a wall is an accident (own damage) and admissible under insurance.

As per my understanding a comprehensive policy covers any kind of damage to the insured vehicle. The coverage is not limited to accident cases only. What if it was not a dog but a vandal who scratched the bonnet and other panels in the OP's case? On what grounds can the insurer reject a claim in such cases?

My point is that a claim can be raised and any reputed insurer will settle a genuine case like this. Whether it makes sense to go through the hassle of insurance paperwork rather than paying out of pocket is a different matter.

[Aviator_guy]

Originally Posted by self_driven

As per my understanding a comprehensive policy covers any kind of damage to the insured vehicle. The coverage is not limited to accident cases only. What if it was not a dog but a vandal who scratched the bonnet and other panels in the OP's case? On what grounds can the insurer reject a claim in such cases?

My point is that a claim can be raised and any reputed insurer will settle a genuine case like this. Whether it makes sense to go through the hassle of insurance paperwork rather than paying out of pocket is a different matter.

You are right. Based on my experience with claims, what I realized is that surveyer look for damages which are caused by single event which is recent. If damage or scratches in different parts of the car look unrelated or look old, then they don't approve. That may be the reason the ASC would have advised OP against making a claim. Although his case looks genuine.

[Torq-D]

Hello Team,
I need some advice on insurance of my S1000RR. I spoke with dealer and he gave me a quote of ~ 28k. For Last year 24-25, I paid premium of 29k.
As per dealer, every year add on prices keep increasing so this year again my premium would be same. I am waiting for his quotation so will try to figure out how much increment has gone into add ons.
As per my understanding, every year premium should reduce but not just 1k and IDV should reduce by 10%.
Kindly correct me if I missing something.

[abhishekjoshi84]

I was comparing the insurance quote through Maruti Insurance (selected insurer as ICICI Lombard) and ICICI Lombard directly and there is a huge difference (Maruti insurance being cheaper). Not sure why there is such a difference, I was infact thinking purchasing via Maruti will be costlier.

I see that the Add on prices are the same in both quotes. However TP cover is costlier by 1000 in ICICI direct quote and base premium also has a huge difference (Maruti has BP as 1337, after 35% NCB it comes up as 869, ICICI quote has BP as 6032, after Anti Theft discount and NCB of 35% it comes to 3823).

The IDV is same in both(8.59L). Now I am hesitant to go with Maruti plan as I am not sure if there is anything wrong with their quote?

Attaching screenshots below for reference.

Quote from ICICI:

Quote from Maruti for ICICI policy:



Last year policy through Maruti had roughly 4000 as basic premium before NCB. So it is surprising that it went down by two thirds this time (IDV reduced from 10L to 8.59L).

[ghodlur]

Originally Posted by Torq-D

As per my understanding, every year premium should reduce but not just 1k and IDV should reduce by 10%.

Your IDV should be reduced by 10% every year is correct, the premium is subject to the Own damage, TP liability and the add ons selected. Suggest to do a check on the comparator websites like Coverfox, Policy bazaar, Acko etc to get an idea what is the offering in the market. Get a quote directly from the existing Insurance co and compare. If you are getting a good deal anywhere, go for it provided you have done the homework of checking which Insurance co does the vehicle workshop have a cashless tie up with.

Originally Posted by abhishekjoshi84

The IDV is same in both(8.59L). Now I am hesitant to go with Maruti plan as I am not sure if there is anything wrong with their quote

Maruti Insurance is offering some discount on the Own damage premium either due to no claim last year, loyalty etc reasons. Hence the premium is lower than the quote got directly from the Insurance co. You can check for the same IDV what are the premiums offered in the market by other Insurance cos and ask Maruti Insurance to match the best quote (not necessarily the cheapest). It can a win win for both then.

[abhishekjoshi84]

Originally Posted by ghodlur

Maruti Insurance is offering some discount on the Own damage premium either due to no claim last year, loyalty etc reasons. Hence the premium is lower than the quote got directly from the Insurance co.

While this is possible, the difference is huge (6000+ vs 1300+). Planning to visit nexa showroom insurance desk to clarify before I purchase.

[suzuki san]

Hi Guys,

I have been offered Insurance for my WagonR by Amazon Pay. It is a huge saving compared to Maruti Insurance but I am a bit wary about doing vehicle insurance through Amazon Pay .

It's a saving of almost 40% but no details of "cashless claims" or which workshops will be used in case of an accident are mentioned.

If anyone here has any experience of insuring their car through Amazon Pay, please do get back with your thoughts.

Many Thanks,
SS

[SRS]

Originally Posted by suzuki san

Hi Guys,

I have been offered Insurance for my WagonR by Amazon Pay. It is a huge saving compared to Maruti Insurance but I am a bit wary about doing vehicle insurance through Amazon Pay .

It's a saving of almost 40% but no details of "cashless claims" or which workshops will be used in case of an accident are mentioned.

If anyone here has any experience of insuring their car through Amazon Pay, please do get back with your thoughts.

Many Thanks,
SS

Amazon Pay's main partner for Car Insurance is Acko; now, they have a tie-up with HDFC ERGO as well. Considering the prices are low, I assume your quote is from Acko. For details on cashless garages, cashless claims and other addons and related information, kindly visit the Acko website and check. You could also get a callback from their end to check and confirm whether all requisite addons and requirements are met.

The quotes provided on Amazon Pay and the Acko website were more or less the same, the last time I checked, so just ensure the same and have a good look at all the add-ons and conditions.

[Auberon]

Sir,

A girl driven Thar screeched across my small hatch and trying to avoid it I ended up read ending the Pik-up in front. The accident was at a slow speed , Pik Up guy didn't have any damage and agreed it wasn't my fault and left. I took a picture of the Thar, the girl said my brother is coming talk to him, her brother came with friends, first tried to be aggresive and when I showed him how it was impossible it was my fault, apologised and left, being a non confrontational guy and needing to get to a clinic before it closed I decided to let it be, accepting their apology.

Now then, I have DigitOnline Insurance, with 6 months repair warranty. Their customer care people are very nice and promise you the moon. I have had dozens of calls and emails with them.

First off a call came from a garage 4.5 kms away with no pick/drop which wasn't even discussed on the call. On calling again I picked the one closest to me but they recommended a couple more saying they are affiliated with Digit, again they sent a link for a different garage. On the third call I told them fine, I ll go with your recommendation with the garage you keep insisting is best. They had asked me to post photos and explain the accident but said the garage can do it as well. So I said all right, they came and picked the car, so far so good.

Then the surveyors started calling, I talked to a couple of different ones, lord knows why, but anyway, NBD still I thought.

They sent an invoice of 0 INR. So far so good.

Then they said they have approved front bumper and grille only, sent a fresh invoice in which I'd have to pay half, again I didn't make a fuss of that since 50% depreciation on plastic parts is the norm as I know from prev experiences.

Now comes the catch, they said they could not repair the side, which was the most critical part of it since the That had screeched across the side almost front to end, in fact they didn't even approve the side mirror which the surveyor had said he'd get done.

This obviously made me feel like Iv been taken for a ride by the garage, surveyor and company, approving only the things where I pay 50% and not approving any repair as there is a six months free repair guarantee. I corresponded with them the whole day, approached the grievance cell and they also said they can't do anything and gave me the details of Insurance Ombudsman.

I e-mailed the Ombudsman and they gave me the std. wait a month reply. I told them I have already corresponded with the grievance cell and they had given me the Ombudsman's details.

The Ombudsman emailed me to send them hard copies of 7 things, of which 4 are applicable in my case. I e-mailed them telling its an online insurance, they don't send a hard copy of anything, its all online , attached a screenshot of their grievance cell rejecting the claim and am waiting if they ll reply at all.

Is there anything I can do at all I can do in this scenario? What's my best bet? Is there any possibility of getting the side repaired via insurance at all? Am I in the wrong here or the company?

I urgently need some advise as the car is still at the garage. Please advise me regarding it?

[Auberon]

BHPers,

Does anyone have any advise on what would be my best bet to proceed with now please? Thanks.