Yesterday, I renewed my Linea T-jet insurance from Tata AIG, at 6.25L IDV, 0% dep, cashless, Pearl plan (Loss of personal belongings + Emergency transport & hotel expenses + key replacement) for INR 16,422/-. This was the least quote I got among Fut Gen, Brt-AXA, Ifco-Tokio & Oriental ins. They reduced 10% on IDV, gave 20% NCB and 35% additional discount. One of my relative is a senior automobile surveyor & he suggested me to go for this. With TATA AIG, only demerit is they give you 1st two claims on a 0% dep in a year, if you claim for 3rd time in a policy year then 3rd claim will be settled as normal plan. I hope I won't need a single claim this year also.