Need advice from experienced car owners regarding insurance and a claim. 2025 Tata Altroz Petrol DCA Accomplished S
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- ORVM Damage and Renewal Timing
I recently damaged my right-side ORVM and need to get it repaired through insurance.
About 2 months ago, I had already taken one insurance claim for bodywork repairs.
My insurance policy expires on 26th of this month.
Would it be better to:
• Raise the ORVM claim before policy expiry, or
• Renew the policy first and then claim?
Will making another claim before renewal significantly affect my premium or NCB?
- Renewal Premium Confusion
Current insurer: ICICI Lombard
Renewal quote received directly from ICICI Lombard:
• IDV around ₹8 lakh
• Zero depreciation
• RSA
• Key cover
• Other add-ons
• Premium around ₹41,000
However, when checking online:
• ICICI Lombard is available for around ₹12,000–₹13,000 with similar add-ons and IDV around ₹7 lakh.
• HDFC ERGO is available around ₹14,000 with similar add-ons and IDV around ₹10 lakh.
Why is there such a huge difference?
Would you continue with ICICI Lombard or switch to HDFC ERGO in this situation?
Any inputs from people who have recently renewed their policies would be appreciated.