i too came across Berkshire..and even posted on fb their link for the 7.5% discount..quoted 15.5k bumper-bumper. being new, Berkshire was good a lot of offer and free add on services..at the same time dint have a office close by.. and i was not sure if they have proper tie up every where. and so at the last minute i went with Oriental. quoted 12500..zero depreciation, but not cashless. In case of a claim, a compulsory 3.5k has to be paid irrespective of the claim amount.