Corolla Insurance Help

[tahasoomro]

???

Best Regards,
Taha Soomro

[hammy.ch]

Check Jublee insurance, i have one Corolla in Pakistan and i have insurance from Jublee insurance. I dont have immobilizer or tracker.

[lawyered]

Hello.

I had my new Corolla GLI insured just last month. The problem I was also facing was that all of these major insurance companies were not ready to insure my car without tracker, and I did not want a tracker in my car. I did get a quote from Jubilee for 3.75% premium without tracker but I found it to be too high.

So I went with United Insurance. 3.25% premium without tracker. If you would like, I can put you in touch with the person at United who processed my application.

Regards,

Adnan.

[nifiii]

Hello.
How is your experience going with United Insurance? My 1.8 CVTi Altis is arriving this February inshaAllah and a person at United has quoted me 2.9% without tracker and 3.5% with tracker. Should I go for it? How is the claims and settlements of United?

[lawyered]

Hello.

My experience with United hasn't been too bad. The premium you're being offered is great.

I did have to file a claim recently and I found out that their surveyors, at least in Karachi, will approve any claims under 50K on their own. My claim was around 60K and required quite a few calls to multiple people in Islamabad, Lahore and Karachi. Just keep in mind that if - Allah na karay - you need to file a big claim then they will need considerable convincing to process your claim.

Hope this helps.

[nifiii]

Thanks for your reply. I'm also being offered competitive rates from Askari General Insurance. Lets see what I choose. Doing my research these days. Car delivery is in February inshaAllah

[lawyered]

Askari General Insurance

Are they willing to insure Corolla without tracker, if so, at what rate?

[nifiii]

I've heard from somewhere that they offer 2.1%.
Yes without tracker

[brownrose78]

Services of Jubilee Insurance is Excellent, Very fast claim process

[nifiii]

Can you please mention the rates offered by Jubilee insurance?

[brownrose78]

@nifii
Refer
http://www.getinsurance.pk/

[brownrose78]

call 111-654-111 for more and exact details within seconds

[abid110]

Best claim processing is of Adamjee...thats why its a bit expensive too...

[nifiii]

So far the survey I did:
Askari General Insurance: 2.5%
Comprehensive Insurance. Offers theft, terrorism, accidental, etc coverage. Not sure about third party coverage. Without tracker. First six months full coverage, next 6 months 5% contribution by the policy holder on parts.

United Insurance: 2.9%
Without tracker. Theft, accidental coverage. Doesn't cover storms, terrorism damage etc. First six months full coverage, next 6 months 10% contribution by the policy holder on parts.

Jubilee Insurance: 3%. With Tracker. Covers theft, terrorism/storm damages, accidental damages, third party damages.
1.25%: With tracker. 3T: Theft, Third party coverage, Total loss. Doesn't cover partial accidental damages.

Which one should I go for? I'm thinking about choosing AGI

[lawyered]

Jubilee appears to have a good reputation as far as claim processing goes. I've already mentioned my experience with United so far, though I can't help but be impressed with the quote that Askari has given you.

If they're willing to insure Corolla at 2.5 percent without tracker and just 5% contribution after six months, it's a pretty good deal, I mean I might even think about switching after my policy with United is up!

However, you should try and find out if their claims processing is any good, after all, that's why we get our cars insured in the first place.

[brownrose78]

I want to second @lawyered
Askari & United both are not recommended, Both have just "Good face Good talk" only when u have new Inquiry but after buying Insurance policy, their behavior will change 360 degree

But companies like Adamjee, Efu & Jubilee have good Service

[abid110]

Adamjee is best...one pays to get instant claims and there is no comparison with adamjee when it comes to swift hassle free claims..i work here and warrant for it

[jklodhi]

I would disagree . I have kept two cars with Askari Insurance and haven't found any issue with any claim related issue.

Totally satisfied with Askari Insurance

[brownrose78]

I have very very ...very Bad experience with Askari.
Also United Insurance do much delay in reimbursement amount

Here i totally agree with @abid110 that Adamjee is oldest & expensive, but service-wise Claim processing is easy.

Jubilee & Adamjee both have flexibility as per Customer will. 1 Time i bought GLi in Rs. 1,400,000/= & after 1 month of buying same car was badly accidented on Super Highway with Chassis damaged(driven by my wife), Adamjee branch has confirmed my car as Total Loss(but I was much attached to that car bcuz i earned it from my hard earned savings) so I requested that I want to repair same car, i do not want to go for Total Loss.

Cost of repair was much high as Chassis work was requested to be done by Imported Chassis Alignment Machine. I paid Rs. 760,000/= from my pocket(after approval of Surveyor) & Adamjee paid me back full 760,000/= within 15 Days

[abid110]

Yes...adamjee is very very responsive in claim payments...its mainly due to its size and reserves to pay at once..i even heard cases where smaller ins. Companies requesting the insured to accept claim payment in 'monthly installments' as they cannot pay all loss at once...that is the case when insured selects a company that is very small and offers low premium amounts