United India Car Insurance Cashless Garage List

United India Car Insurance Cashless Garage List – My car insurance comes up for renewal later this month. I am now in Royal Sandram (RS). As the dealer (in Coimbatore) is related to RS, I would like to proceed with them. The car is a fiesta, almost 2 years old and fuel consumption is ~5.4L. The dealer called me and sent me a quote on how much the repair would cost. About 12.5k words (including disclaimer and liability). This includes ~4k discount and ~2.5k on NCB plus trade discount.

To verify this price I went to ICICI online premium calculator and filled all the required details and the price came to ~8.5k. Insurance Value (IDV) takes RS 5.2 Lack and ICICI takes 3.8. According to the RS website; The discount for IDV access is 30% and it is aligned with ICICI IDV and not theirs.

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Are there advantages to having a higher IDV? – As I understand the claims are paid based on the age of the vehicle (they apply some depreciation on the actual claim). Does a higher IDV affect the calculation?

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IDV value helps when selling a car…..I’m not sure if it affects your insurance…

Nemo remember that ICICI people can find some way to trade with RS people after ICICI people show that they are trading… Reliance gave me a good deal and I did it for the existing Bajaj Allianz guys Used it and it will work…

I also need to renew my insurance. Is it better to get it through a dealer? Not sure but had 2 claims this year and the dealer ignored both claims. All you have to do is fill the application form.

Moody Ford free car wash if warranty installed through them. + You know you will pay 10% for wheel alignment + tuning + free repair if the car breaks down (worth Rs. 2500) + spare parts + etc.

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What I did was I got a good warranty to renew and wanted to pay the warranty guy through my car dealer no problem….

Thanks VC12. I know it’s free but not about download services and other resources.

Not to the best of my knowledge. Claims are settled based on their depreciation schedule, not the amount you’re worth.

If you have a total loss of your car I think IDV will apply. Otherwise, whether it’s a gum repair or a bumper replacement, it doesn’t depend on the car’s IDV.

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If necessary, you can negotiate with the insurance company to reduce the IDV. But there should be enough time before the warranty expires.

Thanks for the clarification guys. I will ask RS to reduce IDV. 3 weeks before my warranty expires I will be researching now than last year.

However, even full loss insurance will decrease over time. If your car is old, there is no reason to restore it.

They gave me a good upgrade option; Now I am with Maruti National Insurance. No matter how they control it, they also want to collect money.

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Can the owner modify the IDV? I thought the insurer should prepare the IDV in advance and pay the premium as per their tables.

I don’t want to see your question. What I said is that 1 year depreciation is usually 20%, so the written down value for 1,000 is 20% lower than 80,000. The insurance company is more than liable to pay that 80k and there is no reason why it should be worth more than that at appraisal.

But if the owner wants to depreciate it, the company may or may not agree to 70k, but most are only responsible for 70k. They won’t agree, especially if you ask 90 lakhs for your car for a 1 to 3 year old car.

In case of total or similar damages; They will calculate the depreciation value or market price. Some parts are not charged according to the relevant regulations, such as plastic parts, a percentage will be charged for metals and others.

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So in other words, you have to get the right IDV and the right depreciation. If he goes to higher IDV then he will only pay extra and will be paid only for original depreciation unless it is higher IDV. But if you have a low IDV, you are out of pocket when you close the car, but it looks like you are getting a benefit while paying the annual premium.

Now the remaining question is what is the real IDV. Don’t all insurance companies have depreciation rates as a basic calculation? Note: For a complete summary of the policy, see the policy statement or visit your nearest branch office.

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Part 1 of the package policy covers loss or damage to the vehicle and/or equipment.

If the vehicle is disabled in an accident, it is covered at the following reasonable rates:

The following section of the baggage policy applies to motor vehicle law restrictions:

There is a 25% discount on OD prices. The policy issued to cover the vehicle is an accepted value policy.

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5% discount on injured owner plan Rs.200/- for private vehicles and Rs.50/- for two wheelers.

2.5% discount on combined OD premium of Rs.200/-. The device is certified by ARAI Pune, one of the vehicles certified by the Automobile Association of India.

Additional charges will be payable for adding coverage under the packaging and liability only policies in the following cases:

A) Bangladesh b) Bhutan c) Nepal d) Pakistan e) Sri Lanka etc.) Maldives charges Rs.500/- per vehicle under repair policy and Rs.100/- per vehicle under liability policy. .

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Electrical/Electronic items which are not part of the manufactured and imported vehicles shall be covered separately by paying an additional charge of 4% of the value of the same items.

Vehicles equipped with CNG/LPG petrol have to be declared separately and a premium of 4% is charged on the value of the same.

An additional charge of Rs.50/- per OD is applicable on all vehicles except different types of commercial vehicles: For different types of commercial vehicles Rs. 100/-

In case of change of ownership, ensure that the transfer of the insurance policy is done within 14 days from the date of transfer of ownership.

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Any vehicle that can be replaced by another vehicle of the same type during the remaining policy period is converted into premium at the premium rate from the date of replacement.