![]() | #1456 |
Newbie Join Date: Sep 2008 Location: Bangalore
Posts: 15
Thanked: 0 Times
| ![]() @ghodlur, thanks for the inputs. I felt the same. Sundaram told me that the insurance is not available directly from them but is available from any Maruti dealer. So I got it from one of the dealers by paying the full amount of Rs 2650. They threw in a free check up / wash coupon which is a good bargain for Rs 150 more. |
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![]() | #1457 |
BHPian ![]() Join Date: Jul 2007 Location: Chandigarh
Posts: 193
Thanked: 48 Times
| ![]() I am planning to buy figo 1.4 exi in Delhi. have spoken with TATA AIG and they have quoted me the following for 0% Deprececiation Platinum Plan : Ex showroom price - 486430 1. Insured's Declred Value - 449255 2. OD Premium - 12804 3. Total Own Damage Premium - 12804 4. 0% Depreciation Plan Premium - 1483 5. Daily Allowance - 1977 6. Loss of personal Belonging Premium - 110 7. Emergency Transport & Hotel Exp - 110 8. Key replacement - 265 9. Returnn to invoice premium - 1123 10. Third Party Premium - 800 11. Paid Driver Cover - 25 12. Owner Driver Cover - 100 13. Total premium - 18796 14. Service Tax - 1936 TOTAL - 20732 Also includes: i. Accidental Repair Warranty (6 month) ii. Towing facility upto Rs 1500/- iii. Third party body injury unlimited cover Guys, please share your inputs - whether the parameters given by TATA AIG are correct or should i ak for more details. Kindly help Last edited by kapilsharma80 : 8th February 2011 at 12:06. |
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![]() | #1458 |
Senior - BHPian ![]() Join Date: Feb 2010 Location: Sydney
Posts: 1,129
Thanked: 626 Times
| ![]() Its time for insurance renewal for my car. I have got a quote from TATA motors. TATA motors have a tie up with : ICICI, Royal Sundaram, National United, TATA AIG. The only thing which is new in this quote is that they are considering: 1. Radiator 2. Condensor 3. ECU motor 4. Wiring Harness 5. Motorized Headlamps (I do not think Punto has this) as metal part and not fiber part (which usually does not get covered under comprehensive insurance). The depreciation clause however applies (Not sure about it. Maybe they will pay out for these parts keeping in mind the age of vehicle). The quote is around 2.5k more than the premium quoted by my old insurer Future Generali. Is it worth paying 2.5k extra? And how is the claim settlement process of TATA? My last experience with Future Generali was good (but then the amount claimed was also only 5.8k). |
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![]() | #1459 |
BHPian Join Date: Sep 2007 Location: bangalore
Posts: 114
Thanked: 107 Times
| ![]() I have wagon R LXi (2 nd Gen). The insurace quote last yr was 11503 for idv 329891. But this year for renewal, they are quoting rs 6.9k approx. and idv is also decreased.(maybe 29xxxxx) I have NCB to me. What is the best insurace company for maruti. I have currently Royal sundaram (maruti insurace). |
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![]() | #1460 |
BHPian Join Date: Nov 2007 Location: Pune
Posts: 704
Thanked: 355 Times
| ![]() Hi, I am buying a Ford Figo diesel titanium. So as suggested on Team-BHP, I tried to shop around. Following are the quotes. Tata AIG Comprehensive 14050 Zero Dep. 16250 Cholamandalam Comprehensive 12250 Zero Dep. 15800 Bajaj Allianz Comprehensive 15684 Zero Dep. 20344 HDFC Ergo Comprehensive 14450 Future Generali 12500 Now my question is how useful zero depreciation insurance for a 5.5 lakh rupee car? I have read Sam Kapasis thread and it makes sense if you have expensive car but not sure for this car. Secondly, which of these companies is lesser evil? ![]() My car dealer has cashless only with Bajaj Allianz among these. Other companies are ICICI Lombard and New India with the dealer. But I don't like ICICI and besides the dealer is quoting a premium of 16000. Please advise. Last edited by shipnil : 24th February 2011 at 14:09. |
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![]() | #1461 |
Senior - BHPian ![]() Join Date: Jan 2008 Location: Bombay
Posts: 1,418
Thanked: 475 Times
| ![]() In this case, difference is almost 5k per year. And zero dep is applicable only for first three years. IMHO it does not add a value worth 15k (cost over 3 years). |
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![]() | #1462 | |
Senior - BHPian ![]() | ![]() Quote:
No company is a known devil on paper but can only be experienced. Of the posts I have read on Insurance till date, Bajaj and Tata are only a step better than the rest. Do bargain for the premium, I am sure you will get a good deal. | |
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![]() | #1463 |
BHPian ![]() Join Date: Feb 2007 Location: Bangalore
Posts: 393
Thanked: 342 Times
| ![]() I am in a small tight spot. Need advice. My car’s insurance expires on 8th Feb, 2011. So when the agent called me in Jan, 2011, I asked him for a quote. I was having a Bajaj Allianz cover, the car is 3yrs old. Now I am renewing for the fourth year. Initially he gives me a Tarrif discount of 40%, but when I looked around I had Royal Sundaram offering 45%. On telling him this, he offered the same with Bajaj Allianz. On 29th Jan, 2011, I hand him over a cheque for the same. He gives me a cover note. The cheque is not presented till the 18th of Feb, that’s when I make a call to the agent and directly to the office to enquire. The agent says he will get back soon, Bajaj Allianze office was not able to locate the required papers. Today the agent calls me and says, there is a problem. He cannot give me 45%, max offered is only 40% and that my insurance is not done. He was cheeky enough to say, HDFC offers better rates, shall I come over with the HDFC form. Now the question that I have. 1. In this situation, it would mean my vehicle is without an insurance cover right now, correct? 2. In case I decide to opt for another insurance firm, would I have some additional work, would they say my old policy is no longer valid etc etc? 3. How do I take this up with Bajaj Allianz? Is there a way I can bypass the agent and deal with the company directly? 4. 4th year insurance is eligible for 45% discount, correct? 5. Shall I ditch Bajaj, shift to Royal Sundaram, if that is the case, issuing a stop payment for the cheque is all that I need to do, correct? Any helps suggestions, good agent's (in Blore) contact is appreciated. |
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![]() | #1464 | |
Senior - BHPian ![]() | ![]() Quote:
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![]() | #1465 |
BHPian ![]() Join Date: Feb 2007 Location: Bangalore
Posts: 393
Thanked: 342 Times
| ![]() Thanks for the quick reply, the problem that I see with online quotes are that they are always on the higher side. The tarrif discount they offer is much lesser that what the insurance agents offer. Let me see what best can be done. Last edited by Spinnerr : 25th February 2011 at 14:50. Reason: added detail |
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![]() | #1466 | |
BHPian Join Date: Dec 2009 Location: Gurgaon,N.Delhi
Posts: 497
Thanked: 195 Times
| ![]() Quote:
Try Bharti Axa. It has a zero Dep. Policy, What is of value to us is, it is way cheaper than Bajaj or Tata-AIG. And please bargain with Bharti Axa salesman also. You will definitely be saving on that, too. Last edited by deepfusion : 25th February 2011 at 15:29. | |
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![]() | #1467 |
Senior - BHPian ![]() | ![]() You have already experienced what happened when you did the Insurance through an agent. IMO its always better to get an online renewal done since it saves time, agent cost and the risk, you get the policy immediately. When I did my Car Ins renewal, I got the online quotes only (from those who had cashless tie up with the dealer), compared and chose the best VFM. BTW I have a Royal Sundaram policy. |
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![]() | #1468 | ||
Senior - BHPian ![]() Join Date: Jul 2009 Location: Hyderabad
Posts: 1,663
Thanked: 337 Times
| ![]() Quote:
Quote:
I went in and bought their Zero depreciation policy alongwith the engine guard features. Though I specifically wanted 0% depreciation on plastic parts, but that was not available, so opted for "Bajaj Allianz Drive Assure Economy pack". I thought , this was the third year for my car and the 0% depreciation policies are available only till third year, therefore thought will go for it and take a chance. Attaching here the presentation for the same policy package. Do have a look. The premium for policy came at Rs. 12893/-,on the higher side for 2 yrd old vehicle but got Wheel alignment and balancing free against it for approximately Rs. 600-700/- . So thats ok. | ||
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![]() | #1469 |
BHPian ![]() Join Date: Sep 2009 Location: Goa
Posts: 156
Thanked: 23 Times
| ![]() I have 50% NCB on my old car. I got free insurance as an offer on new car and I thought of transferring the NCB of old car to the new one at the time of next renewal. My doubt is if I make a claim on new car within the first year is it possible for me to transfer the NCB to the new car at the time of renewal ? |
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![]() | #1470 |
BHPian ![]() Join Date: Oct 2009 Location: Thane
Posts: 187
Thanked: 17 Times
| ![]() Can someone please confirm this one - The TATA AIG agent tells me that if premium is reduced for the ANTI THEFT device fitted then the insurance company wont pay up if the car is stolen. Is there any truth to his statement!!?? |
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