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    Thread: Insurance (renewal) advice for Linea TJet

    1. #1
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      Insurance (renewal) advice for Linea TJet

      Guys, my Linea TJet's insurance is expiring on Sep 29. I was hoping that either my dealer (Concorde Motors) or existing insurer (Future Generali) would bombard me with calls/SMS/emails at least a month prior to this date. Unfortunately, they have not bothered to reach out till now.

      So I decided to check out quotes online and this is what I have gathered. The results have been ranked in my (perceived) order of preference. Sadly, Future Generali don't even have an online quotation facility! And Iffco site was not throwing up results.

      Insurer IDV Premium
      Bajaj Allianz 7,95,167 14,147
      Tata AIG 8,79,849 19,783
      HDFC Ergo 7,22,814 17,714
      Royal Sundaram 8,13,450 13,529
      ICICI Lombard 7,51,438 21,138

      - For standardization, Voluntary Excess is included in all of the above
      - Value of electrical accessories (ICE) has been put as RS 30,000 for all the above

      Can someone guide me which one to select out of these? Obvious preference is for hassle free & cashless claim and fair valuation.

      Also, I'm eligible for a 20% NCB. Is there any other parameter on which I can haggle for lowering the premium?

      P.S. I have had policies from Bajaj Allianz and Tata AIG for my Getz in the past. While Tata AIG was better in first 2 years, I feel they cheated me during a major claim in 2010. And moreover, they refused to renew after that. SO I had switched to BA and was happy with them.
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      Quote Originally Posted by dj.nish View Post
      SO I had switched to BA and was happy with them
      Many of my office mates and friends have gone for BA as they are hassle free. I have a 2 wheeler insurance with them from past 7 years and they are good.

      But as of now I have ICICI for my truck.
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      I have been renewing insurance policies online with Bajaj Allianz for my car, bike and wife's scooty for 4 years now. Hassle-free, convenient and satisfying experience so far.
      The journey of a thousand miles begins with 1 step.............................on the gas !

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      Dj, go the Concorde! Ask the Body Shop Manager, which Insurance Company they've had the easiest claims with. They are the best people to tell you what is good for you! My Insurance Policy expires on the 28th of this month too. I just returned from the showroom with a list of companies that are not too kind towards the showroom I go to and generally delay or cause issues during a claim!
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      Quote Originally Posted by shishirbn View Post
      Many of my office mates and friends have gone for BA as they are hassle free. I have a 2 wheeler insurance with them from past 7 years and they are good.

      But as of now I have ICICI for my truck.
      Quote Originally Posted by Carma View Post
      I have been renewing insurance policies online with Bajaj Allianz for my car, bike and wife's scooty for 4 years now. Hassle-free, convenient and satisfying experience so far.
      How has been the claim experience? I just had a windshield repair claim (that too, through Windsheild Experts) on my Getz which was under BA insurance. And glass is anyway 100% covered so that cant be treated a benchmark.
      Quote Originally Posted by mclaren1885 View Post
      Dj, go the Concorde! Ask the Body Shop Manager, which Insurance Company they've had the easiest claims with. They are the best people to tell you what is good for you! My Insurance Policy expires on the 28th of this month too. I just returned from the showroom with a list of companies that are not too kind towards the showroom I go to and generally delay or cause issues during a claim!
      Good idea. Let me try out that option as well.

      On another note:
      Royal Sundaram just called. Their zero dep plan is at a mouth watering premium of Rs 16,640 with an IDV of Rs 813,450. Anyone here who can give me first hand review of RS?
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      Quote Originally Posted by dj.nish View Post
      How has been the claim experience?
      Never had any claim experience so far.Got 50% no claim bonus when I renewed it online last month.
      The journey of a thousand miles begins with 1 step.............................on the gas !

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      Quote Originally Posted by dj.nish View Post
      Royal Sundaram just called. Their zero dep plan is at a mouth watering premium of Rs 16,640 with an IDV of Rs 813,450. Anyone here who can give me first hand review of RS?
      I had my insurance with Royal Sundaram for my Swift earlier & they were hassle free. Currently took a Online insurance with them for my new XUV. Hope to continue the same trouble free experience. In south India, they are the ones to offer the 2nd lowest (First lowest is ICICI) & competitive premium with lot of benefits. Stay away from ICICI & they're a lot painful to deal with (Based on experience from friends circle).

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      Quote Originally Posted by mclaren1885 View Post
      Dj, go the Concorde! Ask the Body Shop Manager, which Insurance Company they've had the easiest claims with. They are the best people to tell you what is good for you! My Insurance Policy expires on the 28th of this month too. I just returned from the showroom with a list of companies that are not too kind towards the showroom I go to and generally delay or cause issues during a claim!
      Concorde Motors called me. They said they have tie up with 5 companies for "hassle free" insurance - Royal Sundaram, Tata AIG, Bajaj Allianz, ICICI Lombard and one more name which I forgot.

      Yes, if you read it twice and still couldn't believe, its true. They dont have Future Generali on their list at all! No wonder I wasn't called by them earlier for renewal. So weird. They are co-managing Fiat and they don't have FG on their list?

      On top of it, when I ask for a quote from the above 5 companies through Concorde, the lady asks me to scan and email or fax the current policy cover note in order to generate the quote. Now I have neither a scanner nor a fax machine at home. SO basically she put down the phone saying 'I'm sorry sir I cannot offer you a quote'.

      WTF! All others simply asked for basic details!
      Last edited by dj.nish; 25th Sep 2012 at 21:07.
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      Quote Originally Posted by lvramanan View Post
      I had my insurance with Royal Sundaram for my Swift earlier & they were hassle free. Currently took a Online insurance with them for my new XUV. Hope to continue the same trouble free experience. In south India, they are the ones to offer the 2nd lowest (First lowest is ICICI) & competitive premium with lot of benefits. Stay away from ICICI & they're a lot painful to deal with (Based on experience from friends circle).
      In West, the market is ruled by BA and TA I think. RS trying to make inroads in crazy ways. E.g. In the quote that I got, RS is offering the HIGHEST IDV (even higher than last year) and the lowest zero-dep premium. Unbelievable.
      JVC KD-R 926BT | Focal Polyglass 165VB & 165CVX | Blaupunkt GTA 4 Special | Ground Zero GZ TW MK2 | Rockford Fosgate Prime R500-1 | Scosche e2 E400 | Gladen RCA & Bandridge speaker cable

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      Quote Originally Posted by dj.nish View Post
      Now I have neither a scanner nor a fax machine at home.
      If you have a camera phone, just take the snaps and send it across.

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