![]() | #1426 | |
BHPian ![]() Join Date: Sep 2006 Location: Bangalore
Posts: 129
Thanked: 55 Times
| ![]() Quote:
Just look around. You should find an insurer who suits your pocket. Last edited by kaushikr : 23rd December 2010 at 15:26. Reason: grammer | |
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![]() | #1427 |
BHPian Join Date: Oct 2007 Location: Bangalore
Posts: 590
Thanked: 1,112 Times
| ![]() Hello, I had made a claim this year and that claim got rejected by Bajaj Allianz. This was the only claim in last 2 years. Will I loose my NCB even for a claim that was "denied" by the company? |
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![]() | #1428 |
Senior - BHPian ![]() | ![]() I need to renew my cars insurance sometime next month. Car was manufactured in Sept. 2009 and registered in Jan. 2010. I got following quote from Tata-AIG. Details: 1. IDV is Rs 4,50,638/- They have offered 3 plans:
- Repair of glass, fiber, plastic and rubber parts - Loss of personal belongings - Emergency transport and hotel expenses - Key Replacement
- Repair of glass, fiber, plastic and rubber parts - Loss of personal belongings - Emergency transport and hotel expenses - Key Replacement - Daily Allowance
- Repair of glass, fiber, plastic and rubber parts - Loss of personal belongings - Emergency transport and hotel expenses - Key Replacement - Daily Allowance - Return to Invoice I have following questions. 1. How is IDV calculated? 2. Any other policy offering similar features? 3. Any suggestions regarding what to look for and what not to? Note: I'm new to auto insurance ![]() Thanks in advance. |
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![]() | #1429 |
BHPian ![]() Join Date: Oct 2009 Location: Chennai
Posts: 169
Thanked: 100 Times
| ![]() I met with an accident in the early 2008 and my claim was approved and they are still sending the cheque to me whenever I ask them! Its with TATA AIG and I have a motorcycle! The claim was for 2500 rs but tired of asking them again and again about the status! Very bad response from the customer care too.. is there any other way to chase them? |
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![]() | #1430 |
BHPian Join Date: Dec 2009 Location: Noida
Posts: 76
Thanked: 33 Times
| ![]() Hi Bhpians, I am new to this insurance world and I tried to find answer to my query before posting this but was not able to find it. I am going to buy a new vehicle very soon and with the help of team-bhp came to know that a lot can be saved by getting insurance done directly from companies and not getting it done from dealer. Now I am going to purchase vehicle from my hometown Kanpur and going to use vehicle in Delhi/NCR region using the registration of Kanpur only.( Have recently shifted to NCR so no permanent address as of now). Will there be any issues with the insurance claims (if any) if made in workshops of NCR? |
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![]() | #1431 | ||
Team-BHP Support ![]() ![]() | ![]() Quote:
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That said, if you are permanently moving to NCR, your registration + insurance papers should reflect that too. AFAIK, no one will give you 0% depreciation on a 3 year old vehicle (for obvious reason). | ||
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![]() | #1432 |
BHPian ![]() | ![]() My Fortuner completes one year this month and its time for renewing insurance policy. Last time the insurance was done by the dealer Nippon Toyota (Reliance ). After calculating the transferred NCB from my previous car (45%) I paid 30000Rs lat time. Today Tata AIG gus called me and quoted me Rs 21000 as the renewal amount.What is your opinion regarding this quote? Shall I contact other agencies for their quote also? I am copy pasting the e-mail I got from their office Dear sir, TOYOTA FORTUNER VALUE 1661400 BASIC PREMIUM 55541 DISCOUNT 27777 NCB 13885 OWN DAMAGE 13885 THIRD PARTY 2625 NET PREMIUM 16510 TAX 10.3% 1701 FINAL PREMIUM 18210/- (NORMAL PREMIUM) BUMBER TO BUMBER PREMIUM-22777/- Regards Dilip Kumar Also who provides the best service and value for money among the companies? Your early inputs are appreciated... ![]() |
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![]() | #1433 |
BHPian ![]() Join Date: Jun 2007 Location: Noida
Posts: 122
Thanked: 51 Times
| ![]() could someone please tell me what happens if your insurance expires, and you do not renew in time? Do you lose out on NCB or something if renewed at a later date? thanks. |
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![]() | #1434 | |
Senior - BHPian ![]() | ![]() Quote:
Just picture an accident and subsequent claims and you not having the Insurance. ![]() | |
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![]() | #1435 | |
BHPian ![]() Join Date: Jun 2007 Location: Noida
Posts: 122
Thanked: 51 Times
| ![]() Quote:
![]() The thing was that I tried renewing my insurance through bajaj allianz on the net, but the payment apparently failed to reach them though I got charged. So due to this mess-up I got delayed. | |
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![]() | #1436 |
BHPian ![]() Join Date: Sep 2009 Location: Chennai
Posts: 605
Thanked: 261 Times
| ![]() I have a 9yr old car. A 2001 Nov made Santro LS. No insurance claim made till date. Maintained in it prime condition. I am planning on getting another sedan pretty soon. And i wish to transfer the NCB on this Santro to the sedan and get a newer insurance for the santro as it will work out cheaper for its depreciated value. Whats your suggestion on it. Well to top it i need to make a claim on the santro's insurance (once the new insurance is done) and get a complete paint job cause it has gathered multiple small dents over the past couple of years due to the roughians on Chennai roads. Can anyone help me work around this problem/idea ? |
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![]() | #1437 |
Distinguished - BHPian ![]() ![]() Join Date: Jun 2007 Location: Chennai
Posts: 10,272
Thanked: 21,027 Times
| ![]() No insurance company in the world will cover you for damage done before you took the policy. I am very critical of many insurance-company policies and practices --- but you cannot expect them to give handouts to make your car look like new! Even your existing insurer will probably not pay for miscellaneous dents gathered over the years, even if you were willing to give up your no-claims bonus. Last edited by Thad E Ginathom : 18th January 2011 at 18:17. |
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![]() | #1438 |
Distinguished - BHPian ![]() ![]() | ![]() Guys this point cannot be made enough- for a new car DO THE INSURANCE YOURSELF. And if possible, contact a good insurance agent who can get you even lower premium than tlking directly to the company. If you go through the insurance company directly, negotiate hard and well. You won't believe how much you will save by this. |
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![]() | #1439 | |
BHPian ![]() | ![]() Quote:
No reply. Can anyone suggest which is better among Insurance companies...Tata AIG, Reliance, or any other service provider? Please reply...Its urgent.... cheers | |
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![]() | #1440 |
BHPian Join Date: Oct 2007 Location: Bangalore
Posts: 590
Thanked: 1,112 Times
| ![]() @dilipkumar7278: I believe the bumper to bumper premium you have mentioned is the 0% depreciation policy provided by Tata AIG. If that is the case, the premium you pay is good. If you go through this thread, from different user opinions, among private players, TataAIG and BajajAllianz are the best. People generally stay away from insurance providers like Reliance and ICICI. Try to get a quote from BajajAllianz too. They too provide 0% depreciation policy under DriveAssure scheme. Then you can decide based on the pemium and fetures provided under each policy. |
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