Beyond
TF Ace
Almost all are same for genuine damage everyone covers, Tata and ICICI are both equally good. Just take 5 year comprehensive plan
Ergo has express t&c which says failing pollution check may result into cancellation of claim
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Is it mandatory to buy two wheeler insurance from showroom
- Thread starter yb24
- Start date
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- Tags
- insurance two wheeler
Ergo has express t&c which says failing pollution check may result into cancellation of claim
yb24
TF Premier
You mean 5 year 1st party?
Settlement ratio is not good of icici.
What about iffco tokio?
Beyond
TF Ace
Yes, iffco is very good just, garages for claim settlement are limited to cities
yb24
TF Premier
So they don't remimburse if city is not in their list?
Beyond
TF Ace
Most of the insurance provider only covers repairs done in partnered garages
But for 2 wheeler I think you would be fine with any good provider. May be some one else can shed some light
As I'm not very aware about technicalities
_na_cheese
TF Premier
If you're in t1. Acko seems best.
If not.
I had Iffco now I've shifted to icici. (Both only Own damage.)
No claims so far. But for mental peace
Showroom gave me tata 1 year comprehensive and 5 year third part. I was okay with it. But when my own damage was due for renewal there was a technical problem with tata renewals. So shifted to iffco for own damage for two years. Then policy बाजार gave good offer for icici so shifted to it. As ifco was reimbursing the amount and icici was cashless.
Best would be acko 5 years comprehensive. Or go digit.
I'm in tier 3 so these two don't work for me. And overall they're just some percentage cheaper.
Bike it tvs apache rtr 160 4v. Have run 27k in 3 years and 2 months. Have made no claim.
During the purchase I didn't know these things. Or else would've saved a few bucks back then.
It's nice to have contacts in showroom/service centre and insurance company.
If not.
I had Iffco now I've shifted to icici. (Both only Own damage.)
No claims so far. But for mental peace
Showroom gave me tata 1 year comprehensive and 5 year third part. I was okay with it. But when my own damage was due for renewal there was a technical problem with tata renewals. So shifted to iffco for own damage for two years. Then policy बाजार gave good offer for icici so shifted to it. As ifco was reimbursing the amount and icici was cashless.
Best would be acko 5 years comprehensive. Or go digit.
I'm in tier 3 so these two don't work for me. And overall they're just some percentage cheaper.
Bike it tvs apache rtr 160 4v. Have run 27k in 3 years and 2 months. Have made no claim.
During the purchase I didn't know these things. Or else would've saved a few bucks back then.
It's nice to have contacts in showroom/service centre and insurance company.
_na_cheese
TF Premier
And. Priority should be zero dep addon and other add ons like RSA and nut bolts coverage and so on. It'll be marginal difference.
You can also go for 1 year comprehensive + 5 year third party and renew own damage every year. You'll get no claim bonuses and stuff like that.
You can also go for 1 year comprehensive + 5 year third party and renew own damage every year. You'll get no claim bonuses and stuff like that.
yb24
TF Premier
Yes I am also thinking of that.
Should I take icici online or with the help of branch person so maybe he help during claim
_na_cheese
TF Premier
Branch, showroom, online like policy bazar/paytm etc Try everything and make the best decision I'd say. If you have time.
BTW which bike r u getting.?
yb24
TF Premier
Not bike ,activa it is
_na_cheese
TF Premier
yb24
TF Premier
Because of its resale value.
Engine of activa is best i don't think any other brand can match engine as that of activa,yes features are more in another scooters
_na_cheese
TF Premier
Anyways. Congratulations with your purchase.
yb24
TF Premier
I have not purchased it yet.
Open to suggestions 😀
yb24
TF Premier
As policy bazaar and paytm are agents who sells insurance doesn't they charge more as compared to what I get directly from insurance company itself?
Really? It shows me only comprehensive plans & 3rd party. Not the OD plans.
How much are you paying? Only OD for bike would be in few hundreds. Even for premium bike it hovers around 1k. Only superbike would be in thousands.
Hdfc ,bajaj, icici are best but they also charge more.
Zuno(edelweiss) is also good. My experience has been good with them. Tata is decent.
If you plan to repair in authorized service center, most would give cashless. For activa I would suggest using authorized service center as difference is minimal. Only for few car brands the difference is high. Then taking extra effort for reimbursement is worth it. ( they would deduct few components, some parts for non gst bills, but mechanic can help with that iykyk)
This time I have taken acko, as the price difference with icici was little high . And hdfc didn't give all the add ons I wanted for my bike.
Not like that. Insurer has partnered garages. Authorized service centers are most likely cashless.
Take 5yr comprehensive. When I asked them, they said they are only give only 1st yr comprehensive rest 3rd party. Else I would've taken it.
