Thats what I thought you meant, but the words confused me. Thanks. Insurance experts, I checked with Royal Sundaram website for their online quote for the Punto insurance renewal and surprisingly found it to be lot cheaper than Future Generali even after taking the zero dep and windshield dep add ons. I have asked Balaji Fiat Thane to confirm if they have a cashless tie up with RS coz the RS rep swore that they do have (their website for cashless garage list talks about a Balaji Cars in Thane rather than Balaji Fiat under Fiat option). What is the cons of going for a Insurance co which doesnt have a cashless tie up esp with a Fiat workshop? Will it give me headaches later in case of a claim.