^^^ Same here. Two weeks back, I renewed my Punto's Insurance Policy for a second consecutive year. Royal Sundaram gave the best quote for comprehensive policy with Depreciation cover. I opted for a Windshield waiver too (Rs. 315/-). Customer care was one of the best, as usual. But this time, I did not opt for any voluntary deduction of claims. Renewal can be done in 5-10 mins in their online facility.