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Date : May 15, 2009


Dear Sir, I have a TATA indica V2, DLG, Turbo, BSIII. Purchased on 08 Jun 2006. Insured with TATA AIG. Two claims around 1.5 years back to the tune of Rs 10,000 each. TATA AIG quote for this time premiunm is Rs 6958 for IDV of Rs 2,25,000. I checked online with ICICI Lombard and quote there is Rs 5400 for IDV of 2,31,000. I had a call with HDFC and their quote is Rs 5522 for IDV of 2,49,000. There is a lot of differences and I need help to understand which company provides best service and most market relevant premium. Secondly, Can i increase my IDV? Thanks


The quotes provided by these companies are different because they are giving you different IDV's.

Premium depends on the IDV and therefore higher the IDV higher the premium.

You cannot increase your IDV, it depends on the depreciation schedule followed by the company. But you can choose among the highest available IDV.



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