got the pics from computer itself
Tata Tiago Review & Pictures: Tata's Tiara
- Thread Starter TSIVipul
- Start date
Mine is a XT version and its ex showroom rate is 4.42 lakhs so that expains it,
and are there any things missing in my quotation
Thanks for the reply![[:)]](https://www.theautomotiveindia.com/forums/images/smilies/Smile.gif "Smile [:)]")
and are there any things missing in my quotation
Thanks for the reply
Mine is a XT version and its ex showroom rate is 4.42 lakhs so that expains it,
and are there any things missing in my quotation
Thanks for the reply
and are there any things missing in my quotation
Thanks for the reply
Everything looks fine but I think you should add voluntary deductible of some amount. This means the amount you voluntarily pay for any claims taken. It will reduce the premium you have to pay now.
Currently my cars have Rs. 1000 voluntary deductible and the last time I claimed insurance, I had to pay only Rs. 1000 including file charges and all.
You can also ask your agent to explain the various clauses mentioned, more importantly engine protection, key loss and spare car clause. It would be wise to opt for them if your area faces floods, etc. or the clause amount is not much.
Regards,
Alpha
That helps, thank you! I have attached my my Royal Sundaram policy's premium split up to help with your comparison. I chose few additional clauses mentioned by Alpha and their premiums aren't expensive either.
Hi Alpha,
Are you sure it's not the mandatory deductible of Rs. 1000 as highlighted below?
Hi Alpha,
Are you sure it's not the mandatory deductible of Rs. 1000 as highlighted below?
![[lol]](https://www.theautomotiveindia.com/forums/images/smilies/Laugh.gif "Laugh [lol]")
Yes. Mandatory deductible is Rs. 1000 but for my recent renewals, I remember seperately opting for another Rs. 1000 as voluntary deductible which reduced my insurance premium a bit. Need to check the papers once again though.For the insurance claim I was referring to, indeed the 1000 bucks was amount of mandatory deductible. Sorry for the confusion and thanks for clarifying between mandatory and voluntary deductible.
Regards,
Alpha
No i am not anywhere near coastal area ,but will think and select few add-on too,Thank you for the reply![[clap]](https://www.theautomotiveindia.com/forums/images/smilies/Clap.gif "Clap [clap]")
Thank you brother for the pic
Few things i didn't understand
1.spare car clause ?
2.key replacement if lost?
3.Engine Protector (why should i get it when i am having EXTENDED warranty or is it in case of physical damage of engine in accident ?)
4. What is invoice price insurance clause?
feel free to shoot me if i am asking stupid questions ?
Thank you brother for the pic
Few things i didn't understand
1.spare car clause ?
2.key replacement if lost?
3.Engine Protector (why should i get it when i am having EXTENDED warranty or is it in case of physical damage of engine in accident ?)
4. What is invoice price insurance clause?
feel free to shoot me if i am asking stupid questions ?
Few things i didn't understand
1.spare car clause ?
2.key replacement if lost?
3.Engine Protector (why should i get it when i am having EXTENDED warranty or is it in case of physical damage of engine in accident ?)
4. What is invoice price insurance clause?
feel free to shoot me if i am asking stupid questions ?
1.spare car clause ?
2.key replacement if lost?
3.Engine Protector (why should i get it when i am having EXTENDED warranty or is it in case of physical damage of engine in accident ?)
4. What is invoice price insurance clause?
feel free to shoot me if i am asking stupid questions ?
1. Though I am not very sure, spare car clause would mean that you'll get a donor car from the insurance company's side till your car is repaired in case of a claim. Good to have!
2. Key protection means your insurance policy will cover the cost of replacing your lost/stolen key from the company. Usually the cost of getting a new key from manufacturer is high and in such a case, with this cover you can claim insurance and insurance company will pay for the new key.
3. Engine protection will cover damage caused to your engine in case of flood, driving in water logged area, underbody hit, etc.. But be careful, some insurance companies will have a clause of intentional damage (like cranking a stalled car in water) and they have the right to deny a claim based on this. Go for this cover only if insurance company gives unconditional cover for engine damage. Let alone engine, standard or extended warranty won't cover anything in case of an accident. That is termed as accidental damage for which we need insurance.
Disclaimer : It is better to not rely on my general statements as I haven't had any experience with Royal Sundaram and all companies have different clauses and terms. Talk with your agent in detail about the coverage of these clauses.
Regards,
Alpha
Last edited by a moderator:
Adding my 2 cents in addition to Alpha's answers:
1.spare car clause ?
>> In case of RS, we are paid cash for the duration of accident repairs. There were lots of conditions for this though. I would be happier if they just give a loaner car.
2.key replacement if lost?
>> Typically around Rs 3500 to replace Tiago's remote key.
3.Engine Protector (why should i get it when i am having EXTENDED warranty or is it in case of physical damage of engine in accident ?)
>> Not sure about hidden clauses here, I just took it as it was cheaper.
4. What is invoice price insurance clause?
>> This is to increase IDV to 100% of invoice cost. Normally the IDV is set at 95% of invoice cost for first year and is reduced (by 10% I guess) every year.
1.spare car clause ?
>> In case of RS, we are paid cash for the duration of accident repairs. There were lots of conditions for this though. I would be happier if they just give a loaner car.
2.key replacement if lost?
>> Typically around Rs 3500 to replace Tiago's remote key.
3.Engine Protector (why should i get it when i am having EXTENDED warranty or is it in case of physical damage of engine in accident ?)
>> Not sure about hidden clauses here, I just took it as it was cheaper.
4. What is invoice price insurance clause?
>> This is to increase IDV to 100% of invoice cost. Normally the IDV is set at 95% of invoice cost for first year and is reduced (by 10% I guess) every year.
I don't think this cover is useful. A difference of 5% (i.e. around 22k) isn't significant as IDV comes into picture only when we are talking of theft or total loss, both of which (okay, at least the latter) are very rare on a new car. Also at the time of reimbursement in case of theft or total loss, the insurance company follows its own rules of valuation and their valuation may also be less than IDV. It is better to stick to normal IDV and save on your premium.
Also, one correction in my previous post -
In the second point, I have written "claim NCB" instead of "claim insurance". Have already requested mods to correct it.
Regards,
Alpha
Also, one correction in my previous post -
In the second point, I have written "claim NCB" instead of "claim insurance". Have already requested mods to correct it.
Regards,
Alpha
surely will talk to the agent and then finalize
Thanks will thoroughly check and decide on it
Thanks will thoroughly check and decide on it
Already posted here but couldn't resist sharing in this thread also.
Tiago Mod: Blacked out roof, spoiler and alloys. All were painted.
Image Credits: Sanmeet Singh, owner of this car.
Alloy Mod Designed By: TAI Member DJ bro.
Tiago Mod: Blacked out roof, spoiler and alloys. All were painted.
Image Credits: Sanmeet Singh, owner of this car.
Alloy Mod Designed By: TAI Member DJ bro.
Real photos after the mods were completed.
Awesome mod this is
I would like to see how does it look on a blue car, can our DJ bro help us to render the same mods to a blue color car and post it here, so that it will be a good reference for blue car owners. And yeah, other color cars can also be done for benefit of others.
I would like to see how does it look on a blue car, can our DJ bro help us to render the same mods to a blue color car and post it here, so that it will be a good reference for blue car owners. And yeah, other color cars can also be done for benefit of others.
Blue with white is good color combination.