One big issue with major car insurance companies are that when it comes to selling a policy you have customer agents/ insurance agents/ garage mechanic all doing in their bit to sell you the policy with great fervour you giving good customer service and a discounted insurance premium.
In the unfortunate incident that you have to come across for amy claims or settlement of claims it becomes very hard to find these guys. They will ask or I should say command to do this and do that , why did you do this, you should have done this and on and on but they will toss the issue to the guy at the insurance company desk, they in turn will ask who was the agent, and then the garage owner/dealer will say you need to bring the vehicle to the workshop as they are full with compalins and cannot come. So in the end you have to tow in case major case to the workshop, then the surveyor will come according to his will if told by the insurance company at his own given time.
Then begins the grueling task of asking of questions FIR, witness , and so on and so forth. All this while if you depend on this vehicle for travel you had it . Going by the process it depends how much the insurance company will give you the final amount. If it does not satisfy you then the entire proccess of appealing and put your case forward all this when you have to sacrifice your precious time from work/business .
Since couple of days I have been trying to get the best possible insurance policy for friend of mine, and the process of digging into the various companies,, their method of calculating the IDV or the insured declared value of the car, which in lay term is the cost of the car at present value.
This is a standard format that they have with the car companies data of various models they have or ahd and their price at the time of purchase, deducting depreciation they come to a figure on which the premium starts. There are many websites which give good comparision to variuos policy, then the insurance comapny have their own websites to give a good idea as to how much you need to pay.But what really matters is the time of an incident how fast one is able to reach to you or help you with the formalities as at that moment it is all about the incident and many a good composed people tend to lose what is to be done. So one should have a agent who can or insurance company having good all india network with garages/towing facility, call centres to help out the insured party.
Customer service in India is only limited to the call centre executive who in the most mildest of voices will help but the reall work that needs to be handle in a very professional manner is the back end / bacl office the field guy which still far cry from what is expected.
So please ensure that you get quotes from diffrent companies ask in writing what is the process , standard operating procedure, what is the each item or amount on the policy for or calleld the break up, negotiate, negotiate and see that you get premium to a very affordable amount as i have learnt by having time beofre the policy expires, most important evrything in writing from the company read the fine prints as these will come very very handy when you put your claim form.
Ok the last bit of information from a qoute I recieved from Tata Aig -
In the unfortunate incident that you have to come across for amy claims or settlement of claims it becomes very hard to find these guys. They will ask or I should say command to do this and do that , why did you do this, you should have done this and on and on but they will toss the issue to the guy at the insurance company desk, they in turn will ask who was the agent, and then the garage owner/dealer will say you need to bring the vehicle to the workshop as they are full with compalins and cannot come. So in the end you have to tow in case major case to the workshop, then the surveyor will come according to his will if told by the insurance company at his own given time.
Then begins the grueling task of asking of questions FIR, witness , and so on and so forth. All this while if you depend on this vehicle for travel you had it . Going by the process it depends how much the insurance company will give you the final amount. If it does not satisfy you then the entire proccess of appealing and put your case forward all this when you have to sacrifice your precious time from work/business .
Since couple of days I have been trying to get the best possible insurance policy for friend of mine, and the process of digging into the various companies,, their method of calculating the IDV or the insured declared value of the car, which in lay term is the cost of the car at present value.
This is a standard format that they have with the car companies data of various models they have or ahd and their price at the time of purchase, deducting depreciation they come to a figure on which the premium starts. There are many websites which give good comparision to variuos policy, then the insurance comapny have their own websites to give a good idea as to how much you need to pay.But what really matters is the time of an incident how fast one is able to reach to you or help you with the formalities as at that moment it is all about the incident and many a good composed people tend to lose what is to be done. So one should have a agent who can or insurance company having good all india network with garages/towing facility, call centres to help out the insured party.
Customer service in India is only limited to the call centre executive who in the most mildest of voices will help but the reall work that needs to be handle in a very professional manner is the back end / bacl office the field guy which still far cry from what is expected.
So please ensure that you get quotes from diffrent companies ask in writing what is the process , standard operating procedure, what is the each item or amount on the policy for or calleld the break up, negotiate, negotiate and see that you get premium to a very affordable amount as i have learnt by having time beofre the policy expires, most important evrything in writing from the company read the fine prints as these will come very very handy when you put your claim form.
Ok the last bit of information from a qoute I recieved from Tata Aig -
- "Important Note:
Well I don't know if this is to be done as what matters is a life a helping hand and the above is something which is very unfortunate just because its an insurance company - remember in case you are the victim then what happens.
Indian Car Insurance Company Comprehensive Auto Insurance Tata Aig Reliance General Future Generali New India Assurance United India Insurance Oriental Insurance Royal Sundaram ICICI Lombard
Indian Car Insurance Company Comprehensive Auto Insurance Tata Aig Reliance General Future Generali New India Assurance United India Insurance Oriental Insurance Royal Sundaram ICICI Lombard
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