[rajendra2278]

Originally Posted by RohaNN_kWh

Spoke to the service manager, he's pushing for dealer offered HDFC but was supportive for other brands too.

Told me RS is okay, the process is a bit slow (totally okay by me, the car doing 2.5k in a year )

Whatever insurance you choose, don't purchase it via dealer. That will always be costlier. You can purchase the same insurance online. Just make sure that insurance has tie-up with your preferred dealer for cashless.

I'm using HDFC ergo. Had Royal Sundaram before.
Faced no issues with RS, but, at the time of renewal, he has sent me like 100+ SMS messages as I was not picking up the call.
So, I was frustrated and switched to HDFC ergo.

[LearnerForLife]

Can someone with expertise help understand how do the Add On for Electrical and Non-Electrical accessories work? I see the below from HDFC Ergo and it says below.

Will the person taking insurance be asked for a breakup of what they want to cover and what each part coverage is?

Is it worth taking this extra coverage?

1. Electrical Car Accessories
Under these, the policy add-on covers all electrical car accessories such as music systems, spoilers with brake lights, air conditioners, fog lights, etc.

2. Non-electrical Car Accessories
Under this form, all non-electrical fittings like seat covers, interior, spoiler, alloy wheels, etc. are covered under an own-damage tariff.

[khanwasif1]

Electrical and and Non Electrical additions to the car are not necessarily be called as ADD On Covers... however the monetary values of any Music system , etc (electrical accessories) or Alloy wheels, etc (Non electrical accessories) gets added to the IDV of the vehicle if opted for.
At the time of policy issuance (additional rate is charged depending upon value of accessories) and claim settlement process, the invoices of such additions to the car have to be shared with insurer so that hassle free claim gets settled.

[Olympal]

I having a horrible experience with United India Insurance (UII) in claiming accident insurance.
My one-month old VW Virtus met with an accident in which the front fender and headlight were damaged.
Dropped the car with PPS motors, Bangalore who raised a claim and United India who sent a surveyor in 48 hours.

I promptly received the following SMS:
Claim Notification No 2230003122N05XXXX for NEW accident on 13/09/2022 under the policy 2230003122P10276XXXX

Now begins my horrible experience with UII.

There is no information from UII as to whether the claim has been approved or denied.
I called their helpline number 1800 425 33333. There is no response at the other end.
I sent an email to their customer care: customercare@uiic.co.in. There is no response either.
I reached out to their local office who said they cannot help as the insurance was not take from them (I thought UII was a pan-India outfit).

The repair was completed on 1/10/2022 and the service advisor reached out to the surveyor to complete the process.
The service advisor says the insurance surveyor is not taking his calls. He told me that he started the repair work on the verbal assurance of the surveyor that the claim is approved.
I had bought the policy from PolicyBazzar.com. I raised a complaint through them too. After collecting details of the accident and documents, they have gone cold. Everytime I call them, they say the case is being attended to.

Does anyone in this forum known how I can get UII to respond.

After accepting a claim, how can they back out?

[MCR]

Originally Posted by GTO

Am a Royal Sundaram customer, primarily because they are the rare guys offering me zero-depreciation coverage for my 8-year old 530d. On a car where each headlight costs a couple of lakhs, zero dep is the only way for me. I was also a bit skeptical, but I have a good broker (BHPian F50) & he told me not to worry (I trust his opinion). Read up positive comments from BHPians too, hence went ahead.

My Seltos was due for Insurance Renewal (Own Damage) and after reading a lot of negative reviews about Go Digit and Acko, decided to go with Royal Sundaram. Got every available Add-on and also a good IDV for a very competitive price.

However, our other car (Nios) continues to be insured by Go Digit. It also has all the available add-ons included in the policy.

[Car_noob]

Hello all,

I am planning to buy Renault Kiger RXZ CVT in Pune. Dealer is offering me Magma HDI Insurance for 32193 with following add ons.

Engine protector
Key replacement
Zero Dep
Return to invoice
Consumables

Liability
PA Owner Drive SI - Rs 15 lakh - Tenure 3 years
PA cover unnamed - SI 1 lakh - per person
LL to paid driver - IMT 28

I am getting similar cover from Acko for 20,428 and from United India (through policy bazzar) for 23,000. Though United India seems to have only 25 cashless garages.

Can you please let me know if I can go ahead with Acko?

On phone Acko folks told me that I can have the car repaired from Renault's authorized service center.

Regards
Car_noob

[ghodlur]

Originally Posted by Car_noob

Hello all,

I am planning to buy Renault Kiger RXZ CVT in Pune. Dealer is offering me Magma HDI Insurance for 32193 with following add ons.

Engine protector
Key replacement
Zero Dep
Return to invoice
Consumables

I am getting similar cover from Acko for 20,428 and from United India (through policy bazzar) for 23,000. Though United India seems to have only 25 cashless garages.

Can you check
1. With dealer if the Magma Insurance is pan India or limited to few workshops in the city of sale
2. The dealer can match Acko's quote?
3. Direct website quote from Magma matches dealer quote?

Equally imp as the add ons is the claim reimbursement process.

Generally Dealer insurance is on a higher side than that when bought from the Insurance co website directly

[NorthernStar]

Hello fellow BHPians

If you are looking for insurance for your car then you might want to read this. My Nexon's insurance was expiring on the midnight of 01 June 2023 and wanted to change insurer. I, therefore, decided to purchase ICICI Lombard's motor insurance. That eventually proved to be a big mistake. Here is the chronology of events:

- Purchased the insurance on 27 May 2023, paid Rs 16008 and immediately upon policy generation, I realized that the car's model number on the policy as well as the registration date is incorrect. The registration date issue was entirely my fault, still unsure about the model number though.



- Called their customer care immediately. They assured me that they will apply endorsements and rectify the issues before 1 June as my policy would come to force on 2 June. Made me send an email detailing the issues which I did.

- The model number was corrected the next day (28 May), I was somewhat relieved however two days later (30 May) I received another email that my registration date could not be corrected.



- Called the customer care immediately, I was informed that since one endorsement has already been applied to the policy, another one cannot be applied and the only way out of this mess for me is to cancel the policy and buy another one. I was livid, why was I promised for both the corrections to be done timely if there is such a rule about endorsements with their company, to this they had no answer.

- Sent an email immediately (30 May) that I wish to cancel my policy and to request for the full refund since the policy never came into force. It would've come in force on 02 June. They promised a refund in 7 working days and I proceeded to buy a policy from another insurer since the way they handled the endorsements had already irked me.

- On 7 June they refunded Rs 12958 to my bank account and closed the case. I sent email after email explaining that since the policy never came to effect, they must refund the full amount. They opened an "investigation" on their end twice and closed it without providing any resolution.

- At this point, I was beyond pissed. I registered a complaint with IRDAI. Up until this point, I had retained all the emails and phone conversation recordings and I documented a huge pdf containing all the email conversations and added that to my IRDAI complaint. I requested for the rest of the money (Rs 3050) to be refunded.



- ICICI was indeed taken aback, but it wasn't willing to give up the money without a fight. They upgraded my initial complaint to "priority redressal" and promised me to look into the issue and asked me to wait 2 more weeks.



- ICICI tried several tricks to smooth talk me into giving up the money. For example - One of their "priority redressal" support staff tried explaining to me, how I used the policy for a few days hence I'm not eligible for a full refund. I retorted by stating that the policy never came into effect and was cancelled on 30 May itself, since ICICI Lombard never assumed any liability to begin with, why should they get to withold any money? She had no answer and she promised to look into the issue and quickly hung up.

- A few days later, I checked the IRDAI complaint portal again and found that they have marked my complaint as "Attended to". They cited that the complaint have been looked at and the resolution has been provided. They gave no reason as to why they did not issue a full refund wasn't issued before. I escalated the complaint on the IRDAI portal that no resolution has been provided. I gave the "priority redressal" customer care executive assigned to my case, a piece of my mind and informed them that I'd not hesitate to go to consumer court, and will fight until the end.



- A few days later I received an email stating that they apologize for the inconvenience caused to me (really though?), they have looked into the issue and miraculously found out that some money is still owed to me (wow), they asked me to wait 7 more days.



- A few days later, they refunded an additional Rs 384 and called it a day. They updated the complaint on IRDAI to "Attended to" state again (from Escalated state) and sent me a self congratulatory email that like their motto "Nibhaye Vaade", they have resolved my case and continued to pat themselves on the back. Clearly I disagreed and sent them the entire calculation again for the 23rd time. They still owed me Rs 2666.



- A stalemate ensued, ICICI Lombard did not want to part with the pretty moolah they got from me and expected me to give up. I was so mad at them that I had also made up my mind that even if I had to spend 10 times the amount to contest a case in consumer court, I will not let them keep my money. A lot of back and forth happened during this point, I sent dozens of emails to them, mostly reminders and bickered with their "priority redressal" almost on daily basis.

- ICICI finally had to give up. They had no good reason to withold my money anyways. They figured that this guy will not give up and they were so exasperated with me that when finally on 20 July they refunded the remaining amount, they didn't bother to send an email stating that the refund has been made. I missed the pat on their own back they did the last time. I guess you can't have everything in life.

- The details I shared in this is a small excerpt of the ordeal I went through for two months. ICICI Lombard tried to put off refunding the money as much as they could and tried to drag the case as much as they could. They pulled many sly tricks along the way. One such example is refunding Rs 0



Gain, Loss and Lesson learnt.

- ICICI lost a customer, gained some chump change as an interest for unethically witholding a few thousand rupees for almost two months (30 May - 20 July).

- I lost precious time and peace of mind sending emails and bickering with their inept customer care but gained a valuable lesson.

- The reader of this post lost a few minutes and gained a cautionary tale and the same lesson I learned which is as follows.

- ICICI Lombard is a company of crooks and thieves. If they held onto a few thousand rupees like this, I could only imagine what corners they'll be willing to cut in order to get away from paying the claim amount. The eventual lesson is to refrain buying insurance from ICICI lombard, if something similar is happening to you, please share your experience on Team BHP. This is how the community get to know the bad actors and don't forget to fight till the end for your money. A lot of this happens because the companies know that you are busy and can't pursue the case forever. This emboldens them even when they are clearly in the wrong.


Final note: I understand many people will jump on the comments and hit back with something like - "I've been using ICICI Lombard's insurance and never faced a problem till date or you must've done something wrong". With folded hands and the greatest of humility, I'd ask them to read my post again and tell me then, why I had to go to IRDAI and why eventually they admitted to their wrongdoing? I had previously owned their policy for my other car and faced no issue either but that's because I never had to apply for a claim. This time around, I made an error in the registration date while applying for the policy which revealed to me, how incompetent and untrustworthy they are as a company. Would still love to read your responses.

Regards
Northern Star

[Car_noob]

Originally Posted by ghodlur

Can you check
1. With dealer if the Magma Insurance is pan India or limited to few workshops in the city of sale
2. The dealer can match Acko's quote?
3. Direct website quote from Magma matches dealer quote?

Equally imp as the add ons is the claim reimbursement process.

Generally Dealer insurance is on a higher side than that when bought from the Insurance co website directly

1. Magma has pan India workshops as per telephonic conversation with them.
2. Dealer won't be able to match Acko's quote. Magma and Zuno are at least 50% more expensive.
3. Quote offered by dealer for Magma and Zuno is almost same as what I got directly from these insurance companies. Surprisingly Magma and Zuno don't offer new car insurance on their website!
4. Acko confimed that I can go for Renault ASS and even if it's not part of their garage list, they will reimburse (not cashless). They understand we won't want to void warranty on a new car by repairing it outside.

[ghodlur]

Originally Posted by Car_noob

4. Acko confimed that I can go for Renault ASS and even if it's not part of their garage list, they will reimburse (not cashless). They understand we won't want to void warranty on a new car by repairing it outside.

This one is a slightly riskier proposition as it will depend on the Insurer's whims to accept the repair charges and there could be a stalemate with the workshop.

I am sure Renault should be having a national tie up with some insurance co, if you could find that it will be helpful to directly approach that Insurance co for that extra peace of mind.

[Car_noob]

Originally Posted by ghodlur

This one is a slightly riskier proposition as it will depend on the Insurer's whims to accept the repair charges and there could be a stalemate with the workshop.

I am sure Renault should be having a national tie up with some insurance co, if you could find that it will be helpful to directly approach that Insurance co for that extra peace of mind.

Renault is offering through Magna and Zuno insurance. Their initial quote was around 72k. Now they are offering at around 32k. Same coverages through Acko are available at around 20k!

[outdoorlover]

I have a Honda City bought in 2014 with a zero depreciation insurance policy with Royal Sundaram expiring on 31-Aug and am looking to renew my policy. I had one claim last year, so NCB is not applicable this year and RS has quoted 28K for zero dep and 18k for standard comprehensive coverage while I am getting 13K from Kotak Insurance for a comprehensive coverage. They also have the Honda ASS as part of their cash-less network in Bangalore.

Wanted to check with fellow BHPians on their experience with Kotak insurance which will help me decide.

[Arun_S]

For my Honda City 5g, I have taken insurance with HDFC Ergo. It was taken as part of HDFC Loan Package.

My car was hit by a 2 wheeler so raised a claim with Ergo. In which Bumper, Fender Lining had the maximum damage, due to the impact there was sight bulge in Right Side fender.

The insurance Surveyor, accepted for Bumper and Fender Lining. But rejected the claim for Fender adjustment saying it happened in a separate incident.

I told him I have dash cam recording plus i need not lie for this.

He was adamant and not approved the claim. Inspite me having consumables add-on, he didn't approve the clips for bumper fitment.

Key Part here is, as per the dealer HDFC Ergo has poor claim settlement process. They find lot of reasons to reject claims.

Decided to switch out of HDFC Ergo, and take the insurance via dealer itself for smoother claim process.

[McQueen]

Hi, Suzuki Nexa is offering Digit insurance for the new Fronx Delta+ variant that the person I was assisting is buying. I checked the insurance and figured that it's a 3 year TD + 1 year OD insurance with zero-dep and RTI (return to invoice). The price is around 32k.

1. Is there anything that should be kept in mind?
2. Is that 3-yr + 1-yr TD+OD usual with Nexa cars? Or they offer more years of insurance to other customers?
3. The insurance has already been done without even consulting with the customer. Can the company (Digit) be changed? Can Nexa be trusted?

[debjyotimitra]

Hi friends, I need to renew my MG Hector insurance next month. Getting confused on a couple of points:

• My current insurance is ICICI Lombard that I took from MG dealership while purchasing my new car. I had a claim last year, and the cashless settlement process was seamless.
• I got to know from MG service center that they have cashless tie ups only with ICICI and Digit.
• ICICI Lombard website is quoting me 28k for an IDV of 18L including all the necessary add-ons.
• Digit website quoting me almost the same.
• One of the brokers from local dealership quoting me 37k for ICICI.
• CRED is offering some membership discounts and quoting 26k for ICICI.
• Broker is telling me settlement would be cumbersome if I go with online insurances.

Please advise me the best route.