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 Insurance coverage details

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sabrish
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PostSubject: Insurance coverage details   Wed Sep 24, 2008 10:24 am

Hi Guys,

I have a small query on Insurance usage, Whats covered & whats not ...
for eg: if my car has small dents & scrathes is that covered in insurance ( Royal Sundram insurance)

Please guide me

Regards

SABRISH
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nayandeep
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PostSubject: Re: Insurance coverage details   Wed Sep 24, 2008 11:43 am

Insurance covers any damage that occurs to your vehicle because of any accident, be it dent or scratch. But plastic parts are not covered and glass parts are not covered 100%. Please consult tour insurance brochure for the exact percentage covered for glass materials. But bro, one thing u have to keep in mind that what ever damage u are claiminG INSURANCE FOR, SHOULD appear to have occurred because of accident i.e at one single insurance claim you cannot ask to claim insurance for repairing dents/scratches at different parts of the car which in no way can occur at the same time because of an accident. If you have dent at the rear and also at the front you have to make a story saying that because of the hit from the back ur car moved front and hit something else in the front which caused the front dent. Also keep in mind when u r claiming insurance for any damage, a person from the insurance company will come to inspect the car to see if there is any other damage, just to make sure that you do not claim for the that other damage later. So in case you need to claim for that, u have to urself make additional damage on that area to claim insurance for that part. The explanation I gave here is from the experience I have while claiming insurance for my Maruti 800. Hope this helps.
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sAuMiL
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PostSubject: Re: Insurance coverage details   Wed Sep 24, 2008 12:02 pm

Also, Keep in mind the cost. Remember, you get a No-Claim Bonus at the end of the year if you havent made a claim. Calculate tat amount and compare it with the cost of your repair work. Remember, if you dont use your insurance, you get a higher percentage of No-Claim Bonus next year.. So be calculative.
To Summarize, what i mean is for eg. If clearing the dent is a cost of Rs. 2000, and your No-Claim bonus is about Rs. 3500, No pt using the insurance for that...

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sabrish
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PostSubject: Re: Insurance coverage details   Wed Sep 24, 2008 2:01 pm

Thanks saumil , nayan for ur instant replies. I appreciate..

i will surely chek this
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Dushie
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PostSubject: Re: Insurance coverage details   Thu Oct 16, 2008 10:11 pm

As we are discussing on the insurance peice, during first year car was insured with ICICI prudential, for renewal they asked me for a high amount above 10k, i checked around got offers from Tata Aig and Bajaj Allianz, in the end bajaj was cheaper so i got the 2nd year insurance coverage from them costed around 8.9k.
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RajeshNamb
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PostSubject: Re: Insurance coverage details   Thu Oct 16, 2008 10:45 pm

No wonder the dealer said that the insurance will have to be bought

compulsorily from them at the time of purchasing the car.
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nayandeep
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PostSubject: Re: Insurance coverage details   Fri Oct 17, 2008 5:53 pm

Hey Dushie I have Bajaj Allianz insurance right from the beginning (Rs 21,000). I did 'nt claim any insurance, but when I renewed it a few months back they charged 13.5k. So next year I think I have to switch to a different one to get more reduction.
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RajeshNamb
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PostSubject: Re: Insurance coverage details   Fri Oct 17, 2008 10:55 pm

There is also some bonus that you get or accumulates if you have not made any claims so far.
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sAuMiL
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PostSubject: Re: Insurance coverage details   Sat Oct 18, 2008 6:29 pm

sAuMiL wrote:
Also, Keep in mind the cost. Remember, you get a No-Claim Bonus at the end of the year if you havent made a claim. Calculate tat amount and compare it with the cost of your repair work. Remember, if you dont use your insurance, you get a higher percentage of No-Claim Bonus next year.. So be calculative.
To Summarize, what i mean is for eg. If clearing the dent is a cost of Rs. 2000, and your No-Claim bonus is about Rs. 3500, No pt using the insurance for that...

That is exactly wat is called the 'No Claim Bonus'

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adamkathy23
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PostSubject: Re: Insurance coverage details   Wed Oct 28, 2009 1:29 am

I just got my Logan's insurance done for 2nd year. Following are the details:

* Insurance Company:-- Reliance
* 1st Year Premium:---- 15,000Rs
* 2nd Year Premium:--- 12,700Rs
* 2nd Year Premium
after Disc.& No Claim
Bonus @20% of Basic:- 7,900Rs

Thought it may be useful for some..............

N
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rdr
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PostSubject: Re: Insurance coverage details   Wed Oct 28, 2009 6:14 am

7900?

I just paid 13k to Royal Sundaram.

Does Reliance have a cashless facility with your workshop?

After recurring bad experiences with Reliance mobile, I took a decision to have nothing to do with anything Reliance. Even to the extent of avoiding their super markets. Smile
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RajeshNamb
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PostSubject: Re: Insurance coverage details   Wed Oct 28, 2009 7:03 pm

Its better to go for in-house insurance company. The 'claims' process will be go smoothly.
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adamkathy23
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PostSubject: Re: Insurance coverage details   Fri Oct 30, 2009 5:18 am

Hey RDR.......They do have the cashless facility......They are the inhouse insurance company.......

You paid 13k?? for 2nd yr insurance?? You didnt ask for no claim bonus??

Let me give you a tip....in India, In todays time....no matter wat you buy, Check for discount....even if it a Ciggrette(kidding)...But ask.....and you ll get it 8 times out of 10............

N
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rdr
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PostSubject: Re: Insurance coverage details   Fri Oct 30, 2009 10:08 am

No NCB because I had a claim.. front left got clipped by a govt. jeep driven by a contract driver and the front left fender, bumper and lights on the left had to be replaced.

I was aware that reliance was offering a low premium but I am a no-reliance person.. Smile
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vsuprak
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PostSubject: Re: Insurance coverage details   Fri Oct 30, 2009 7:11 pm

adamkathy23 wrote:
I just got my Logan's insurance done for 2nd year. Following are the details:

* Insurance Company:-- Reliance
* 1st Year Premium:---- 15,000Rs
* 2nd Year Premium:--- 12,700Rs
* 2nd Year Premium
after Disc.& No Claim
Bonus @20% of Basic:- 7,900Rs

Thought it may be useful for some..............

N

What was the car's assessed value? Did it tally with what the other companies valued it?

I've come across many companies luring me with lower insurance premium, but then differing in the assessed value of the car.
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Dushie
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PostSubject: Re: Insurance coverage details   Tue Nov 03, 2009 6:19 pm

Well i just got it renewed for 3rd year, Bajaj people said that repairs of logan are expensive so they were charging the same amount for the 3rd year also which was turning out to be expensive. So i switched back to ICICI lombard as it was coming out to be cheaper by Rs 500.
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RajeshNamb
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PostSubject: Re: Insurance coverage details   Thu Nov 05, 2009 5:32 pm

Check how much it has been insured for? Compare it with a different vendor.
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