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The car thread ......
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<blockquote data-quote="belictony" data-source="post: 2314251" data-attributes="member: 82305"><p>Some tips on buying the insurance:</p><p>i. Car showroom doesnt allow you or sometimes outright refuse to sell the car if you take insurance from outside as they lose margin in that. Legally, its not right and you can stilll get it from outside but the experience or further negotiations wont happen like free accessories, etc, once you announce that you are getting it from outside. Best way to do this is to get the quote and ask dealer to match it.</p><p></p><p>ii. Take for maximum IDV in 1st hear. Go for return to invoice option if available. IDV is the amount you get when your car is declared total loss or stolen and declared not recoverable.</p><p></p><p>iii. 1st year of new car, you dont have to buy zero depreciation as it applies only from 2nd year.</p><p></p><p>iv. Buy comprehensive policy i.e own damage with 3rd party liability. Own damage is the coverage for damages caused when there are dents and scratches due to some 2 wheeler in traffic or damages when the car was parked(objects falling on the car or somebody crashed into it when parked)</p></blockquote><p></p>
[QUOTE="belictony, post: 2314251, member: 82305"] Some tips on buying the insurance: i. Car showroom doesnt allow you or sometimes outright refuse to sell the car if you take insurance from outside as they lose margin in that. Legally, its not right and you can stilll get it from outside but the experience or further negotiations wont happen like free accessories, etc, once you announce that you are getting it from outside. Best way to do this is to get the quote and ask dealer to match it. ii. Take for maximum IDV in 1st hear. Go for return to invoice option if available. IDV is the amount you get when your car is declared total loss or stolen and declared not recoverable. iii. 1st year of new car, you dont have to buy zero depreciation as it applies only from 2nd year. iv. Buy comprehensive policy i.e own damage with 3rd party liability. Own damage is the coverage for damages caused when there are dents and scratches due to some 2 wheeler in traffic or damages when the car was parked(objects falling on the car or somebody crashed into it when parked) [/QUOTE]
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