My IDV for the New Car was Rs 503889/- Bajaj Alliance has no-cashless tie-up with my nearby FASS. But BA ppl are says "Receive 75% on account payment when cashless facility is not available." This is their Quotation. For BA the IDV value is 4.74L with 11.8K prem and still in nego. - ts B2B with Engine protector, - Driver covered for 2L and Co-passengers 1L per. - Third party damage 7L. - Zero Dep - NO cashless in my FASS - NO NCB protection - NO ADD ON with Consumable - No Loss of personal Where-as Future Generali is giving 4.53L IDV and their prem range from 9K- 15K based on Add-ons. Called their customer care for Increasing the IDV and they said they can't provide from there. HAve to call or visit local Future Generali office. Upon calling them had bad experience. Below Quotation is from my dealer. They have a cashless tie-up. I think BA is much better, Good IDV with better prem and ADD-ON.