[manofinfinity]

Originally Posted by car_guy1998

Thanks for the inputs everyone. It seems that each and every Hycross owner is facing this issue.

Regarding this issue, I've called my SA and he told, its normal and it'll improve on its own after clocking 500-1000 Kms on the odo.

I guess the software update or reset during 1000 Kms service would help in solving this issue.

Also, how should I activate the EV mode in this car? When I wanted to switch to EV mode, the MID is showing EV mode unavailable and Hybrid battery is low.

Ev mode turns on automatically , when you see EV indicator on mid that means Car is running on ev mode.

Ev mode will activate only if you have 3 or more bars charge in battery and speed and throttle input is maintained in a certain range.

[santosh.s]

One doubt about insurance- when we have return to invoice add-on which is supposed to pay us full on-road value of the car in case of theft or total loss, what would the significance of IDV? Does it become irrelevant, and hence would it be better to reduce IDV to minimum to reduce premium? I guess there should be some caveat here.

[lamborghini]

Originally Posted by santosh.s

One doubt about insurance- when we have return to invoice add-on which is supposed to pay us full on-road value of the car in case of theft or total loss, what would the significance of IDV? Does it become irrelevant, and hence would it be better to reduce IDV to minimum to reduce premium? I guess there should be some caveat here.

I'm not sure about this, but once you opt out of RTI (voluntarily or involuntarily because I doubt RTI would apply on a 3 year old car), you car would then be valued at the IDV and the IDV will only reduce and cannot be increased post expiry of RTI.

So if you reduce the IDV to 10L instead of 30L and God forbid meet with an accident / damage to car where it's a total loss / cheaper for insurer to give IDV and not repair (say accident repairs Rs. 8L and 3rd year IDV is 7L - 1L depreciation/year for ease of argument), they would pay you Rs. 7L instead of the 20L the car may command post depreciation in its 3rd year of ownership.

[santosh.s]

Originally Posted by lamborghini

and the IDV will only reduce and cannot be increased post expiry of RTI.

Seems unlikely because based on my renewal experience over past 2 decades, I remember insurers normally allowing us to both increase or decrease IDV in the new policy. There are probably certain IRDA rules to regulate minimum and maximum limits on it though, linked to original price and current age of the car (depreciation).

[sanketdesai82]

I’ve faced the same DTE issue few times when I parked my car in my garage which is on a slight slope up and starting the car after 2-3 days. Issue seems to have fixed by itself as I no longer see the issue.

If I drive the car by being gentle on the pedal, I’m able to get 17-18 in city. On ORR, driving the car on 100-110 and on cruise control I have not been able to extract a higher number, not sure on it.

[BlueJay]

Originally Posted by Paritoshkalra

1)
6) As a suggestion from my side, save money and get the good quality damping done on all the doors including boot door and bonnet as well for Hycross as its sheet is thin and hollow. Also after damping, you will feel heavy doors and silent cabin alongwith improved audio quality. Incabin experience will improve several noches above if you do that. Every Hycross owner should get the damping done.. Which really improves the ride experience in real sense. I have been experiencing this since past 4 months and I am highly satisfied.

Yours is ZXO and it does not need much accessories.. Enjoy Your Ride !

Thanks for your suggestions, very useful.

What was your trigger for getting the damping done in doors and bonnet? Was there lot of in-cabin noise?

[zcar9]

Is there a way to access the owner's manual as a PDF ? Browsing it on the phone is tedious and the website needs an OTP every now and then which is annoying.

[lamborghini]

Originally Posted by santosh.s

Seems unlikely because based on my renewal experience over past 2 decades, I remember insurers normally allowing us to both increase or decrease IDV in the new policy. There are probably certain IRDA rules to regulate minimum and maximum limits on it though, linked to original price and current age of the car (depreciation).

You're right - my broker told me it wasnt possible when I asked but some googling helped - I think it's 10% you can increase it, and of course market value and all do play a big role so even if you increase it to over market value you may not be able to get back the IDV - all this seems to be insurer dependent.

[santosh.s]

Came across this informative page regarding IDV: https://www.acko.com/what-is-idv-in-car-insurance/

[santosh.s]

I checked with Acko and they said this: return to invoice add-on will be available until 4th year. (similarly zero depreciation also has a similar limit like 5th year or so) IDV of the previous year will not have any bearing on IDV to be selected at the time of renewal. New IDV will be based on original (ex-showroom price) and IRDA and insurer company's rules/guidelines about depreciation. So, I went ahead with them with minimum IDV (just about 14L, which I believe should be sufficient for normal claims) with all the add-ons included. It significantly reduced the premium (to about 50K+).

Main reason to choose Acko over Tata AIG was that Tata has a restriction of 2 claims for zero-dep whereas Acko doesn't have. I have been using Acko for 2 cars for past 4-5 years and my experience has been good (including one claim).

Sorry to get too much into insurance aspects in this thread, but I hope it will be useful to prospective buyers!

[icebabyice]

Very interesting take on reducing IDV with return to invoice. +1 on ACKO. I have ACKO on another car for the past 2 years and went ahead with ACKO for my ZX(O) as well. Went with max IDV and was around 70k premium. Premium could’ve lowered significantly with NCB of 50% if I didn’t run into name change (new car is company lease while old with NCB is on my name).

Wanted to add another data point. Had to replace my new ZXO’s windshield just after week of taking the delivery. ☹️ A small rock chip flew out of nowhere onto my one week old car under Hosur Road flyover. Wasn’t following any vehicle. Just heard a small sound and there it was - a faint crack. Claimed through ACKO and had good experience overall with the claim. In the past 10 years, didn’t run into a windshield crack in India. Though, had couple of incidents in US earlier with my Acura.

[Paritoshkalra]

Originally Posted by sanketdesai82

I’ve faced the same DTE issue few times when I parked my car in my garage which is on a slight slope up and starting the car after 2-3 days. Issue seems to have fixed by itself as I no longer see the issue.

If I drive the car by being gentle on the pedal, I’m able to get 17-18 in city. On ORR, driving the car on 100-110 and on cruise control I have not been able to extract a higher number, not sure on it.

Can you please elaborate? What is this DTE issue?

[santosh.s]

Originally Posted by icebabyice

Premium could’ve lowered significantly with NCB of 50%

I could have done that too but one insurance guy told me that you need to sell your old car first to avail such benefit and I was under pressure from dealer to provide insurance soon. Later realized (again from Acko guy) that I have an option to get the NCB certificate by paying the discount amount even before it expires or the car is sold But it's too late now, will use it at the time of renewal anyway.

I had an option to either use company lease or BH registration from home state (since Karnataka doesn't yet allow it for private employees ). I chose to pay from my pocket and save on road tax with BH. Sure shot saving of about 3L, plus interest and time-value-of-money benefits extra (as I will be paying it over next 15 years), without any hassles and (monetary) risks of company lease.

[inwester]

Originally Posted by mathlesh

Please post your feedback for GFX 3D mats and sills.

Here you go. Some pictures of the GFX mats for Toyota Innova Hycross. They're not the best resolution photos, but that's what our driver sent me as I am not in India right now.

Looks decent for the price I paid from CarHatke (₹6,972 tax and shipping included). You probably can find them a bit cheaper if you shop around.

Definitely better than the cheap rubber mats Toyota calls 3D.

I ordered them on 21st July and was delivered yesterday, took around 11 days for it to be delivered (from Delhi to a small town in Kerala). I think delivery in major cities will be quicker by a few days at least.

[sanketdesai82]

Originally Posted by Paritoshkalra

Can you please elaborate? What is this DTE issue?

Basically when the car was parked in the garage and not operated for few days, the DTE number shot up drastically on the dashboard while the car does not contain that much fuel.I’ve shared this observation on this thread previously as well.

It seems like this is result from parking my car in my garage as it has a slope up to move the car inside the garage space. This is when the DTE goes haywire I suspect.

I haven’t seen this issue happen recently post first servicing l.