These are the current quotes I have received for my car. All the quotes are for NIL depreciation. Iam considering only these 4 vendors as they have cashless tie up with FASC in Hyderabad. 1) Future Genarali - IDV 5.33L, Quote - 21,500/- (No of Nil Dep Claims - 2, no key replacement raider, no RSA) 2) Royal Sundaram - IDV 7.56L, Quote - 19,500/- (No of Nil Dep Claims unlimited, key replacement, RSA is being offered as complimentary) 3) HDFC Ergo - IDV 7.56L, Quote - 19,900/- (No of Nil Dep Claims unlimited, no key replacement raider, no RSA) 4) Liberty Videocon - Quote awaited (Submitted an online query last week and called their help desk they said someone would call me back and I am still waiting) * Key replacement raider is costing Rs150/-, this is a small amount considering Rs 5000/- I may need to shell out in case incase I loose the key. Iam seriously failing to understand the rules FG plays by with, the first insurance (which was complimentary) was from FG and last year when I checked with them for renewal they shooed me off with a similar higher quote. That is when I landed with RS where I managed to get the best deal. With ample time available, lets see where I end up this year in regards to insurance. Dont worry, its absolutely fine. Lets see if the discussion is getting more deeper we can definitely move the posts to the insurance thread where many other readers would be benefited. cheers, Pradeep.