The Reliance Insurance - Difficult to Rely upon
So the Insurance formalities were completed on 01 July 2012, being a Sunday it was expected that the surveyor would come on Monday. So Monday the surveyor came and informed me of some discrepancy on the documents.
What Discrepancy?
As it turns out, when buying the car the dealership sends a cover note to the insurance guys, and this cover note is sufficient to drive the car around for few days until the printed insurance copy comes from the insurer.
My Insurance copy came, and i made a mistake of not checking it completely, so the surveyor tells me that on the model name its mentioned as
Honda City VMT and not
Civic VMT fortunately the VIN # the Engine number were correct. When i looked at the cover note sent by Whitefield Honda it had correct information. So the mistake was completely from Reliance folks.
So the surveyor says he needs an endorsement. I tell him, its his company and he should connect with folks who are responsible to get this done (Something tells me it will not be done).
Anyway, after 2 weeks the Ashish (From Sundaram Honda) tells me the car will be ready by Wednesday, and i call surveyor to check if he has got everything he wanted. To my utter surprise he updates me he has not yet received anything from Mumbai office.
Wasting no time i pull out the URL of Reliance Insurance and escalate the matter to the email addressed given there with some un-parliamentary language, and in two hours flat i get the endorsement in my email ID.
I thought the Reliance drama is finally over, but it was not.
Honda guys inform me that by Wednesday the car would be ready and i can come and collect the same on Thursday (19 July 2012). We start by night train to Hyderabad and reach the dealership on MG Road at 9AM. The guys there update me that they have not yet received the amount clearance from Reliance after showing the surveyor everything and he taking the pictures on Wednesday morning.
What clearance?
It seems once the car is ready the surveyor needs to inform what portion of the liability will be paid by the insurance company and what portion the customer has to pay. I call the surveyor and he says he has sent the details to Mumbai office (As the amount is high, not sure if 70K is considered high), and hopefully will receive the approval by evening.
This was not acceptable as i wanted to start my return drive by afternoon so as to avoid night driving. So after some push and pull he finally shows up at the dealership at 1245 in the afternoon and approves his portion, i quickly pay my portion of the amount and leave the dealership. Time was already 1415 hrs.
In about 15 mins we get the front number plate fixed as it was broken and i did not want to take it on the highway without a proper number plate. Finally we leave MG Road at 1445 and reach BIAL by 2030 in night and home in Bellandur at around 2130.
A huge shout out to fellow BHPian @ranjitp1, who provided timely help in all occasions. Thanks a ton @Ranjit.
Ironically i had similar accident 5 years back on my Baleno, within the city when i hit an Indica in the front. The total bill at that time on Beleno was about ~90K
More pictures of how the car looks currently coming up.
Few parts that were replaced