for 4 lacs IDV + 0 dep, honda assure with bajaj allianz is costing me 11,200
for 4 lacs IDV + 0 dep with bharti axa without honda assure is Rs 10,600
check my ownership thread for details.
p.s what is internal panel treatment of all 4 doors ?
googling got me this
What are internal coatings (Internal Panel Protection)?
Internal coatings are wax-like compounds containing rust preventive chemicals, and are applied to areas inside cavities of a car, such as the space inside the hollows of doors (door skins), fenders and frame rails.
They work well in areas that are difficult to reach with undercoating. Internal coatings are soft and non-curing; they have to be so because they are applied in special areas such as window channels where an ordinary undercoating would cause clogging of the window mechanism.
source
Tata Motors Customer Care :: Anti-rust Treatments