Automobile Insurance Queries? Ask me

rjvora_2000 · 27th April 2009, 17:22

Quote:

Originally Posted by Roy.S

I too have suggested getting only comparative quotes from their website. Would be a sheer waste of time to call every insurance co for a quote when you can get them all in a few clicks. I have never actually renewed through them but the person who called me seemed quite helpful.

Dear Roy,

Do you know that there quotes are also not 100% right. There are some coverages which insurance companies offer and there website says that it is not covered.

All in all bad website.

sabret00the · 29th April 2009, 11:43

2007 Maruti ALTO

Renewal in May 2009

Current Provider: Cholamandalam

1) My Query: Should I stick to Chola or should I switch to Maruti Insurance (Bajaj Alliance / Royal Sundaram)?

There was no claim during the last 1 year. What are the discounts I should ask for?

2) Problem: After renewal the policy papers for 2008 were not sent to me by Cholamandalam. Since there was no claims made in the past one year I didnt bother to check. Now Cholamandalam Regional Office is telling me that they can't provide the policy documents for this year instead they'll send someone to renew the policy. Is it possible for me to get the policy papers for 2008 from Chola say if I want to switch providers.

Please help.

rjvora_2000 · 29th April 2009, 15:43

Quote:

Originally Posted by sabret00the

2007 Maruti ALTO

Renewal in May 2009

Current Provider: Cholamandalam

1) My Query: Should I stick to Chola or should I switch to Maruti Insurance (Bajaj Alliance / Royal Sundaram)?

There was no claim during the last 1 year. What are the discounts I should ask for?

2) Problem: After renewal the policy papers for 2008 were not sent to me by Cholamandalam. Since there was no claims made in the past one year I didnt bother to check. Now Cholamandalam Regional Office is telling me that they can't provide the policy documents for this year instead they'll send someone to renew the policy. Is it possible for me to get the policy papers for 2008 from Chola say if I want to switch providers.

Please help.

Give me policy no. of Chola I can help on this.

If you are not happy working with chola I would advice you to shift to Bajaj they are good.

One more point :- At the time of claim Chola is deducting 8% salvage from the claim which is wrong according me. - It's better to shift.

sabret00the · 29th April 2009, 18:30

Quote:

Originally Posted by rjvora_2000

Give me policy no. of Chola I can help on this.

If you are not happy working with chola I would advice you to shift to Bajaj they are good.

One more point :- At the time of claim Chola is deducting 8% salvage from the claim which is wrong according me. - It's better to shift.

Thanks a lot for your assistance Sir.

I dont want to give out my Policy number in public forum so is it anyways possible for me to pm or email the same to you?

Can you pm me your mobile number if that is possible?

Once again thanks for the help.

sabret00the · 30th April 2009, 00:18

@ rjvora_2000: Does it really help to have a Anti Theft Device (eg. Xenos Central Locking or Autocop) installed in the car with respect to Insurance Premium. Can one get additional discount on the premium amount if such a device is installed. Further, does one need to furnish the bill of the Anti Theft device to the insurance company to avail of the additional discount if any.

IndrojitSircar · 30th April 2009, 21:15

Hi everyone ,

The insurance for my maruti 800 has expired about 3 years back. Havn't got around to getting it renewed.Now could you please tell me what should i do.Should i take a new policy from another insurance comapny or do i go back and tell them about it. Will any penalty apply?If yes then how much ? Please suggest

janitha · 30th April 2009, 22:03

Quote:

Originally Posted by sabret00the

@ rjvora_2000: Does it really help to have a Anti Theft Device (eg. Xenos Central Locking or Autocop) installed in the car with respect to Insurance Premium. Can one get additional discount on the premium amount if such a device is installed. Further, does one need to furnish the bill of the Anti Theft device to the insurance company to avail of the additional discount if any.

Why not insure the Anti Theft Device too?

sabret00the · 1st May 2009, 00:10

Quote:

Originally Posted by janitha

Why not insure the Anti Theft Device too?

Good one

I think the entire reason for getting the device gets defeated isnt it?

rjvora_2000 · 2nd May 2009, 18:15

Quote:

Originally Posted by IndrojitSircar

Hi everyone ,

The insurance for my maruti 800 has expired about 3 years back. Havn't got around to getting it renewed.Now could you please tell me what should i do.Should i take a new policy from another insurance comapny or do i go back and tell them about it. Will any penalty apply?If yes then how much ? Please suggest

You can go to any company and for fresh insurance only. There is nothing like penalty or anything like that.

lambuhere1 · 4th May 2009, 09:25

Quote:

Originally Posted by sabret00the

@ rjvora_2000: Does it really help to have a Anti Theft Device (eg. Xenos Central Locking or Autocop) installed in the car with respect to Insurance Premium. Can one get additional discount on the premium amount if such a device is installed. Further, does one need to furnish the bill of the Anti Theft device to the insurance company to avail of the additional discount if any.

You will get a discount of Max 250 INR for anti theft device.

rjvora_2000 · 4th May 2009, 16:00

Quote:

Originally Posted by lambuhere1

You will get a discount of Max 250 INR for anti theft device.

Yes you are 100% right it is 5% or Rs. 250/- which ever is the lower.

sabret00the · 4th May 2009, 16:18

Quote:

Originally Posted by rjvora_2000

Yes you are 100% right it is 5% or Rs. 250/- which ever is the lower.

Will a copy of the bill and warranty suffice or does one needs to submit a "Installation Certificate" to claim the above discount. I have installed a Xenos Failsafe 180 4A Car Security System. Can I claim benefit as you have mentioned above.

rjvora_2000 · 5th May 2009, 08:51

Quote:

Originally Posted by sabret00the

Will a copy of the bill and warranty suffice or does one needs to submit a "Installation Certificate" to claim the above discount. I have installed a Xenos Failsafe 180 4A Car Security System. Can I claim benefit as you have mentioned above.

Copy of bill will do.

Is this system is approved by R.T.O.?

IndrojitSircar · 5th May 2009, 18:58

Quote:

Originally Posted by rjvora_2000

You can go to any company and for fresh insurance only. There is nothing like penalty or anything like that.

Would any other company ask for the old policy papers?

rjvora_2000 · 8th May 2009, 09:11

Quote:

Originally Posted by IndrojitSircar

Would any other company ask for the old policy papers?

Only RC book in enough. No other document required in your case.

29th April 2009, 11:43	#227
sabret00the BHPian Join Date: Mar 2006 Location: YYC \| BLR \| CCU Posts: 692 Thanked: 55 Times View My Garage	2007 Maruti ALTO Renewal in May 2009 Current Provider: Cholamandalam 1) My Query: Should I stick to Chola or should I switch to Maruti Insurance (Bajaj Alliance / Royal Sundaram)? There was no claim during the last 1 year. What are the discounts I should ask for? 2) Problem: After renewal the policy papers for 2008 were not sent to me by Cholamandalam. Since there was no claims made in the past one year I didnt bother to check. Now Cholamandalam Regional Office is telling me that they can't provide the policy documents for this year instead they'll send someone to renew the policy. Is it possible for me to get the policy papers for 2008 from Chola say if I want to switch providers. Please help. Last edited by sabret00the : 29th April 2009 at 12:01.
	() Thanks

30th April 2009, 00:18	#230
sabret00the BHPian Join Date: Mar 2006 Location: YYC \| BLR \| CCU Posts: 692 Thanked: 55 Times View My Garage	@ rjvora_2000: Does it really help to have a Anti Theft Device (eg. Xenos Central Locking or Autocop) installed in the car with respect to Insurance Premium. Can one get additional discount on the premium amount if such a device is installed. Further, does one need to furnish the bill of the Anti Theft device to the insurance company to avail of the additional discount if any.
	() Thanks

30th April 2009, 21:15	#231
IndrojitSircar Senior - BHPian Join Date: Apr 2009 Location: Kolkata/Delhi Posts: 2,318 Thanked: 972 Times	Hi everyone , The insurance for my maruti 800 has expired about 3 years back. Havn't got around to getting it renewed.Now could you please tell me what should i do.Should i take a new policy from another insurance comapny or do i go back and tell them about it. Will any penalty apply?If yes then how much ? Please suggest
	() Thanks