I got my car insured through an agent in 2003 and in last four years I can clearly say its not worth it....they just dont care. I have had problems twice renewing my policy. You call up their toll free no. and it goes fine till they tell u that they will inform the delhi branch and issue will be taken care of. But nothing would happen. In my case this time they never got the renewal cheque collected after fixing appointment. Ultimately made my policy lapse. Still I kept calling them and they kept promising.
I am switching my policy but beware.......dont use their policies...........i dread to think what would happen if one needs to claim ! when renewal is a battle in itself!! Their promises make u feel good but actions are nowhere close to what they say. My second experience at renewal was enough to make me learn my lesson ........