Must read before insuring car through IGI. I insured my Changan Alsvin for 1 year and raised 3 claims for which i passed through all this. 1. They will not pay directly to motor company instead they will refund your claim after 4-5 months and that too if you call them daily for every step 2. Their surveyors will dont pick up calls 3. Their helpline number is always busy 4. Their surveyors donot reach on time at work site and donot send their report on time instead they will loose all record after some time if you forget asking them from time to time. 5. Upon calling and reminding them 100 times even will not work. 6. Their emails have a standard reply that will also not work 7. Company will tell you to call surveyor to send his report and surveyor will not pick your call or reply your message. 8. You will regret insuring your car through IGI I will suggest to insure your car from any other company but IGI even if it cost you 10 20k more And I got my insurance through smart choice.. they are not even effective. They claimed high before purchasing but were ineffective during claims whenever i complained them.