Need help with car Insurance renewal

[ashish065]

I have my car insurance renewal coming up next month. I own a 2023 Kia Sonet DCT Turbo. The original policy that I had taken was through HDFC Ergo. When I renewed last year I chose to renew the Own damage through Oriental insurance while keeping the Third party with HDFC which was covered till 2026. When I bought the car the ex-showroon price was 1369000(final price on road being 1645632) THe current IDV i have on the oriental insurance is 11,70,495. I want help with selecting a good cover for renewal. Not sure what Add ons to add and what IDV that I should keep now. Do i need to add the return to invoice add on now?

would like help with this

 

[Chinu]

I have my car insurance renewal coming up next month. I own a 2023 Kia Sonet DCT Turbo. The original policy that I had taken was through HDFC Ergo. When I renewed last year I chose to renew the Own damage through Oriental insurance while keeping the Third party with HDFC which was covered till 2026. When I bought the car the ex-showroon price was 1369000(final price on road being 1645632) THe current IDV i have on the oriental insurance is 11,70,495. I want help with selecting a good cover for renewal. Not sure what Add ons to add and what IDV that I should keep now. Do i need to add the return to invoice add on now?

would like help with this

You should choose RTI rider, along with zero depreciation rider, consumables, key protection & engine protection cover. It may increase cost of premium but beneficial in future claims. Better to choose any private company like ICICI LOMBARD, TATA AIG etc. if any further information you can contact me. I am servicing in this field.

 

[Personal Finance by Nish…]

Go with Acko insurance or Digit insurance. Everything digital and quick with cashless facility.
Keep IDV high.
Best service.

Recommend add-ons
Return to invoice
0 depreciation
Key protection
Tyre protection

Don’t fall in the trap of low premium and free add-ons companies like Kotak Zurich(Worst service).

TATA AIG, SBI, HDFC, ICICI, NEW INDIA, OREINTAL all have good claim settlement ratios, but they have higher premiums with fewer add-ons in comparison to ACKO, Digit insurance.

Better to check and compare everything in one place at the policybazaar or insurancedekho portal for best deal.

Thanks