@All: My bike is nearing completion of 1 year, and its now time for the insurance renewal (valid till 25th Dec 2013).
The insurance was done with 'IFFCO-TOKIO' by the showroom that I purchased the bike from.
The IDV(Insured's declared Value) of the vehicle under this first insurance contract was INR 1,04,738 with premium of INR 1964.82 (Own damage Premium 1341.70 + third party damage 407.00 + tax)
I have received a letter for renewal from the same insurance company for IDV 98,382.00RS and premium of 1,889.72RS.
(no insurance claims made till date).
Will this insurance company covers full protection? i mean Own crash/stolen OR just a third party crash ( In this case you have to book a complaint to Police and all formalities)
I checked out ICICI lombard and there was an option to select type of previous policy. I selected Third party and automatically showing IDV INR 1,04,738 which was first IDV when i purchased and premium for this was INR 1957.
Quetions
1) What is the difference between a Comprehensive and third party policy.
2)Since this is my second policy the IDV will be reduced down than my first IDV? Or if i am changing company then it considers the first IDV?
3)I want a policy which will cover all types of calamaties(self crash/stolen/third party crash)
4)should i continue with the same Insurance company or go for other?
Thanks in advance



I gave my bike for water wash today evening and i was nearby guiding him not to spray water over electrical parts and engine (Near spark plug).. It was running fine and now and now i filled her up for 500 bucks at SHELL (Usual place) and after that it struggles and stops after 10 secs of running everytime.. It stops > i push the starter > Starts fine > Runs for 10 secs and then struggle if i give throttle and stops.. I tried revving it and it revs fine.. Whats the problem?? petrol or water in electronics or spark plug? And how to fix it?

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