2 Dealers Experience Comparison: FeaturesNissan motor InsuranceNon NMI cover note Policy IssuanceInstant online. No hassle of cover notes. Policy usually takes 20-30 days to get issued. Does not reach customers in many areas. CoveragePan IndiaRestricted to local geographical area Cashless Facility Near cashless facility at any Nissan dealer across the country Only either that dealer which has a tie up with the agent/ or the dealer which has issued a cover note/ local unauthorised workshop subject to condition Paint deductionApplicable at a fixed rate as per IRDA circular only for normal policies; not for policies with add on Zero Dep cover. Applicable at variable negotiable rates (both normal and zero Dep policies) for non national tie ups.
3 Dealers Experience Comparison: FeaturesNissan Motor insuranceNon NMI cover note Labour chargesZero negotiation by the surveyor as per Nissan recommended FRH schedule except denting. Depreciation as per surveyor/ body shop manager negotiation, surveyor negotiates on all aspects like cutting/ welding/ denting/ removal/ refitting/ electrical and mechanical labour Treatment of salvage Zero deduction on all plastic, FRP and glass items; 10% on radiators and intercoolers and 5% on other parts Variable rates of deduction as per the agreement between the body shop and insurer, customer bears the cost which is higher than NMI in many cases. Parts classification Parts like radiator, condenser, fan motor assembly, ECM BCM, wiring harness, sensors and motorised headlights are counted as metal parts where deprecation depends on the age of the vehicle. Parts like radiator, condenser, fan motor assembly, ECM, BCM, wiring harness, motorised headlamps and sensors are counted as plastic parts. Flat 50% depreciation on clams.
4 Dealers Experience Comparison: FeaturesNissan Motor InsuranceNon NMI cover note Liquid lubricants and consumables (NMI Zero Dep policy) Lubricants and consumables like engine oil, AC gas, compressor oil, coolant, brake oil, gear oil and power steering oil covered in full under zero Dep NMI policy. Lubricants and consumables like engine oil, AC gas, compressor oil, coolant, brake oil, gear oil and power steering oil are not necessarily covered in non NMI zero Dep policy. Optional coverage given based on extra payment. Claims availableUnlimited; Insurers cannot deny Renewals Non cashless after 2 claims; insurers can deny renewals Call centre and manufacturer support AvailableNot available