Tata AIG Ranked #1 of 2 Insurance Companies

5 from 1 reviews

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  1. Vroom

    Vroom Amatore

    Messages:
    234
    Mumbai
    Re: Buying Experience : TATA-AIG General Insurance

    Grandeur, I presume you have already renewed your insurance (after the first year). Did you go with the same insurance?

    Mine will be due this November, I guess.

    Vroom
  2. Grandeur

    Grandeur Staff Member Janitor

    Re: Buying Experience : TATA-AIG General Insurance

    I'm in process of, and considering TATA AIG. My policy is ending on 4th Aug. The sales guy is yet to quote me the premium. Will share the details, soon.
  3. Grandeur

    Grandeur Staff Member Janitor

    Re: Buying Experience : TATA-AIG General Insurance

    As per TATA AIG, there is no model as "1.3 Emotion". They said; "Sir, it should be Dynamic or Emotion Pack. Fiat doesn't have any model named "Emotion". I told them, I'm pretty much sure what I'm driving. I even have to referred them Fiat India's website (I'm sure they didn't checked it there). But those guys are not agreeing. :confused

    Till date, three different sales guy from TATA AIG, have approached me and everyone with same explanation. And later they disappear :hit.

    Well, I might now consider ICICILombard. Or any other recommendations?
  4. Ravi

    Ravi Staff Member Janitor

    Messages:
    6,001
    Bangalore
    Grande Punto 1.3
    Re: Buying Experience : TATA-AIG General Insurance

    Grandeur, Same case here. They have not updated this variant in their database. What they told me that they would treat Emotion and Emotion Pack in same way.
    I received the soft copy the policy and its mentioned as "FIAT GRANDE PUNTO 1.3 EMO".
  5. jumu

    jumu Superiore

    Messages:
    969
    Chennai
    Re: Buying Experience : TATA-AIG General Insurance

    Hi,

    Just yesterday I got the insurance for my car renewed after it expired on 29th July without my knowledge as Ihad expected the expiration only on 6th Aug , the day I took delivery a year ago. So friends please make sure of the dates. Dont go by the delivery date of the vehicle.

    My first insurance was with Reliance and Ihad paid a premium of Rs.12,374 for an IDV of 4,65,000/- with original invoice value of 5,52,000/-. Now for the renewal reliance was offering 11,159 for a IDV of 5 lakh which is not allowed. They are offering higher IDV when their original policy was showing IDV of 4,65 lak. I had no claims.

    I introduced HDFC and Cholamandal and TATA AIG into the fray to know what the market is and sought our good friend Amoghs opinion.
    The offers I got were competitive ( unfortunatly I erased those smses) and I finally setled for TATA AIG for a premium of Rs.8216/- for a IDV of 4,25,000/- ( 4.65 - 10% ) which I thought was the real value. There is no point in paying high premium when you will not get that kind of value when it comes to total replacment. Insurance companies in their quest to show higher premium target netting will take customers for a ride by showing higer IDVs and therby higher premiums. Just ensure you get a comprehensive deal. This deal is not B2B.
    All other 1.3 MJD ACTIVE owners can take this as a reference.
    Friends please tell me if I have done the right thing or not

    Regds

    Abdul
  6. Andy

    Andy Esperto

    Messages:
    1,109
    Chembur Mumbai
    Mumbai
    Grande Punto 1.3
    Re: Buying Experience : TATA-AIG General Insurance

    Amogh youve got a great deal man
  7. VahanPujari

    VahanPujari Staff Member Janitor

    Messages:
    2,303
    Mumbai
    Re: Buying Experience : TATA-AIG General Insurance

    Never go by Delivery date for Insurance renewal. 1at insurance happens before delivery & is typically 1-3 days prior to delivery.

    Yearly dates are hard to remember. What I do for Insurance renewal is something similar to Birthdays of close-ones - setting it as Birthday reminder in my cell before a full 1 month with a repeated reminder every week till policy expiry date.
  8. Andy

    Andy Esperto

    Messages:
    1,109
    Chembur Mumbai
    Mumbai
    Grande Punto 1.3
    Re: Buying Experience : TATA-AIG General Insurance

    Well as VP stated my delivery date an insurance expiry date is different.. infact it cannot b one and the same 4 neone...
  9. Prabu

    Prabu Novizio

    Messages:
    26
    Bangalore
    Re: Buying Experience : TATA-AIG General Insurance

    My car insurance (1.3 Emotion) will expire this week, would like to know any better offers received on TATA-AIG
    IDV Value: 5.05 lac
    Premium: 17.3k

    Is it good deal....
  10. keshav

    keshav

    Messages:
    87
    Bangalore
    Re: Buying Experience : TATA-AIG General Insurance

    Prabhu,

    Did you make any claims last year ? If no, then the quote is on the higher side. This is the quote I got for my car (same color and variant as your car :)) . This is the quote for a special package which includes 100% coverage for plastics and zero depreciation. For normal package the premium was around 11.5k.

    Also note IDV of Rs. 5,05,360 is for Emotion Pack variant. For Emotion variant, IDV will be around 4.9 lakhs.

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