We feel great when we interact with them for a new policy, they give reasonable premium for good insured sum. In fact, the claim is also good, since I had once, made claim against my car policy. But, later I had very bad experience with "health policy" and "vehicle policy".
They had promised a NCB of 5% for each non-claimed year. This went on well for 3 years. When I had to renew it for the 4th year, they said, NCB can not be extended as there is a new rule by Govt., that it is an optional, left to the discretion of the company. However, at the same time, they were offering NCB benefit to the new customers. Now, I have my policy with Oriental Insurance, though there may be difficulty in claiming, at least I will not be cheated.
In another incident, my friend had two wheeler insurance with them for the past 5 years, when he tried to renew it 2 days back, he was told that, the policy is declined. They did not care to give any explanation and it was expiring in two days, so he had to get it done with some other. This policy was eligible fo a NCB of 50% this time since he had not claimed it since inception. We feel they were not ready to give benefit of NCB, so forced to discontinue the policy. They seem to be real blood suckers, please stay away from them or take policy and claim as much as possible.