Maruti Suzuki Ritz LDI Ownership Review - 6+ Years - 60,000 Kms - Zero Issues


Thread Starter #166
Gurrala74

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Re: Maruti Suzuki Ritz LDI -Glistening Gray-Ownership Review

I have just checked the insurance policies on "policybazar" and quotes look like this

The less premium ones in the start of the list offer less IDV around 295000

TATA AIG offers 365000 IDV and Iffco toyko offers 377000 IDV. When you look at the left side there is the type of policy mentioned. So suggest me which one to go with.
 

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Tenida

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Re: Maruti Suzuki Ritz LDI -Glistening Gray-Ownership Review

Gurrala74 said:
It is a capdase brand Appu which was listed on ebay as our friends bought it, so I liked its quality too[:)], Rs.150/- really cheap buddy
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I think I provided the info about this cradle first. After my review Superbad got the same cradle
http://www.theautomotiveindia.com/f...ar-mount-cradle-all-mobiles-3.html#post280813
Appus bought some other cradle from different brand. Btw. you didn't replied to my last PM [surprise]
 
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anshuman8

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Re: Maruti Suzuki Ritz LDI -Glistening Gray-Ownership Review

Gurrala74 said:
I have just checked the insurance policies on "policybazar" and quotes look like this

The less premium ones in the start of the list offer less IDV around 295000

TATA AIG offers 365000 IDV and Iffco toyko offers 377000 IDV. When you look at the left side there is the type of policy mentioned. So suggest me which one to go with.
Click to expand...
Bharati and Iffco looks good, though HDFC quote is always lowest, I am skeptical about their service.
Do not worry, you will get calls from the agents throughout today and there is scope for further negotiation. Whoever calls ask fine-prints and T&C,

Cheers,
Anshuman
 
#169
AppU

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Re: Maruti Suzuki Ritz LDI -Glistening Gray-Ownership Review

Tenida said:
Appus bought some other cradle from different brand. Btw. you didn't replied to my last PM [surprise]
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Yes, I brought some other brand[;)],

BTW, have you PM'ed to me(AppU from Vellore/Chennai) or appus from Banglore?
 
Thread Starter #170
Gurrala74

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Re: Maruti Suzuki Ritz LDI -Glistening Gray-Ownership Review

Sorry Tenida I missed it, thank you for advising that holder.

@Anshuman and others, what all should I check with that insurance companies while negotiation ? what kind of insurance will be better as I am not willing to spend more premium too.

If I go with a different company apart from the people who tied up with Maruti is there any problem while claims

For my 20K service, suggestions are welcome, please refer my post on the previous page
 
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anshuman8

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Re: Maruti Suzuki Ritz LDI -Glistening Gray-Ownership Review

Gurrala74 said:
Sorry Tenida I missed it, thank you for advising that holder.

@Anshuman and others, what all should I check with that insurance companies while negotiation ? what kind of insurance will be better as I am not willing to spend more premium too.

If I go with a different company apart from the people who tied up with Maruti is there any problem while claims

For my 20K service, suggestions are welcome, please refer my post on the previous page
Click to expand...
While considering insurance companies you should consider following points :

- IDV vs premium
- Mandatory/compulsory deduction (if any)
- ease of claim/claim settlement ratio
- tie up with workshops/MASS
- emergency assistance
- zero depreciation cover (if required)

Cheers,
Anshuman
 
#172
carfreak

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Re: Maruti Suzuki Ritz LDI -Glistening Gray-Ownership Review

I would like to keep ease of claim process and zero depreciation as top priority while choosing an insurance. To obtain ease of claim process info, we have to go by word of mouth or from our previous experience.

RK, my car insurance falls due in couple of months and am in same dilemma! [:D]
 
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Thread Starter #173
Gurrala74

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Re: Maruti Suzuki Ritz LDI -Glistening Gray-Ownership Review

@CF

The issue is my past experience count is zero as I have never gone for a single claim , so it is bit difficult to judge [:)]
 
Thread Starter #175
Gurrala74

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Re: Maruti Suzuki Ritz LDI -Glistening Gray-Ownership Review

My existing insurance is with Bajaj allianz, so I think it is better to get them it seems[:)]
 
#176
anshuman8

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Re: Maruti Suzuki Ritz LDI -Glistening Gray-Ownership Review

If you are ok with BA service, please stick to it.

I pulled up a quote for you from BA online it comes to 8249/- for IDV 377055/-

Cheers,
Anshuman
 

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Thread Starter #177
Gurrala74

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Re: Maruti Suzuki Ritz LDI -Glistening Gray-Ownership Review

@Anshuman

Thank you for that quote, I do not have any claim experience so far, so BA is reputed firm hence I think it is better to go with them. I will checkout that online once again feeding the previous policy details.
 
Thread Starter #178
Gurrala74

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Re: Maruti Suzuki Ritz LDI -Glistening Gray-Ownership Review

@Anshuman

Can you give that link of BA as when I trying with their online portal, the manufacturing year column has only two 2013,2012, so I got stuck there, there is something wrong. When I tried thru' renewing existing policy, it says there is no renewal available for entered policy number thru' online and contact the nearest branch
 
#180
sethumurugan

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Re: Maruti Suzuki Ritz LDI -Glistening Gray-Ownership Review

@gurala sir. Based on my exp am telling this.

Pls go with the insurance company those who have tie-up with the service center where you normally service your vehicle. The process of claim will be very smooth/fast.

And more over the premium amount in this online insurance is varies based on the IDV value again that is calculated by the system.

for example I wanted to renew my bike insurance, there was a huge difference between BA/Reliance. The premium amount quoted by Reliance was very less. I happily went with it. But later I realized the IDV value mentioned by bajaj and reliance also varies. The difference was nearly Rs.5000.

So all those gimics could be just for sake of attracting customers from my exp.
 
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