Which is the better Car Insurance provider

sydras · 31st March 2008, 15:04

I have an 11 year old Zen. I want to renew my car insurance next month and am wondering whether to go with Bajaj Allianz or New India Assurance. I already have only 3rd party insurance from New India Assurance currently but I'm thinking of going for comprehensive insurance from Bajaj Allianz. Thing is, I'm wondering if these national insurance companies are as efficient in processing in case of an accident as private ones . I don't want the hassle of following up with these fellows.

For eg: Bajaj Allianz has a 24 hr helpline and my friend who already had an accident got his claims processed fast. But they did not cover plastic parts and the stupid agent said that they would cover either front or back side only in the accident. (My friend was hit in the back and this forced the car to hit another in the front). So, I'm wondering which is better.

1) Can you please share your experiences good or bad with these insurance providers or suggest another provider?

2) Also, I called up Allianz and gave details of my car. He estimated value at 1.5L and said I have to pay 4K as premium. I paid 1.1L for the damn thing two years ago. And he is saying that since my last policy was 3rd party, there won't be any no claim benefit. Am I getting conned here?

finneyp · 31st March 2008, 15:19

A thread on the above topic already exists, check here:

http://www.team-bhp.com/forum/indian...-provider.html

Mods: Pls close this thread.

sydras · 2nd April 2008, 11:59

Actually, I would like specific answers to my case.

1) I would like to know if I can avail of no claim bonus when switching insurance providers and moving from 3rd party to comprehensive insurance. So I would like to know if anyone has been in this same situation.

2) I would also like to know if one feels that 1.5L for a Dec 1996 Zen(which has some damage on the right side front door) is a proper valuation in today's market.

GTO · 2nd April 2008, 15:24

Sydras,

Please continue this discussion at the many existing threads on the same topic.

This thread = Closed.

31st March 2008, 15:04	#1
sydras BHPian Join Date: Sep 2007 Location: Bangalore Posts: 121 Thanked: 112 Times	Which is the better Car Insurance provider I have an 11 year old Zen. I want to renew my car insurance next month and am wondering whether to go with Bajaj Allianz or New India Assurance. I already have only 3rd party insurance from New India Assurance currently but I'm thinking of going for comprehensive insurance from Bajaj Allianz. Thing is, I'm wondering if these national insurance companies are as efficient in processing in case of an accident as private ones . I don't want the hassle of following up with these fellows. For eg: Bajaj Allianz has a 24 hr helpline and my friend who already had an accident got his claims processed fast. But they did not cover plastic parts and the stupid agent said that they would cover either front or back side only in the accident. (My friend was hit in the back and this forced the car to hit another in the front). So, I'm wondering which is better. 1) Can you please share your experiences good or bad with these insurance providers or suggest another provider? 2) Also, I called up Allianz and gave details of my car. He estimated value at 1.5L and said I have to pay 4K as premium. I paid 1.1L for the damn thing two years ago. And he is saying that since my last policy was 3rd party, there won't be any no claim benefit. Am I getting conned here?
	() Thanks

31st March 2008, 15:19	#2
finneyp Senior - BHPian Join Date: Dec 2005 Location: Bangalore Posts: 2,762 Thanked: 400 Times View My Garage	A thread on the above topic already exists, check here: http://www.team-bhp.com/forum/indian...-provider.html Mods: Pls close this thread.
	() Thanks

2nd April 2008, 11:59	#3
sydras BHPian Join Date: Sep 2007 Location: Bangalore Posts: 121 Thanked: 112 Times	Actually, I would like specific answers to my case. 1) I would like to know if I can avail of no claim bonus when switching insurance providers and moving from 3rd party to comprehensive insurance. So I would like to know if anyone has been in this same situation. 2) I would also like to know if one feels that 1.5L for a Dec 1996 Zen(which has some damage on the right side front door) is a proper valuation in today's market.
	() Thanks

2nd April 2008, 15:24	#4
GTO Team-BHP Support Join Date: Feb 2004 Location: Bombay Posts: 71,825 Thanked: 321,469 Times View My Garage	Sydras, Please continue this discussion at the many existing threads on the same topic. This thread = Closed.
	() Thanks