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  1. Amit Dave
  2. Finance, Insurance
  3. Monday, July 20 2020
Sir, i dont want to spoil relation with dealer, but they are compelling me to buy car inusrance through them only. Earlier the consultant told verbally that i can buy insurance anywhere but now his team leader and manager stating that discount is offered only if i buy insurance through showroom. can dealership compel to buy insurance through them only
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Greetings !!

You have not specified car model
Reaon: Like if you intended for cars like
> Hyundai Creta
> Kia Seltos
> MG Hector
> Tata Altroz

then there are no official discount offers and considering demand no dealer level discounts except Altroz where a small dealer end offers may prevail.

Now its important to understand that Insurance premium as referred in price at most of the dealerships is offered at rack rates without factoring in OD Discounts. Insurance companies do offer discounts on OD Premium

Sample Case
So if say a dealership committed you something basis fact that they decided on to pass on OD Discounts on model in quote then its one thing,. Means on sample below is quote from a Rajasthan dealer
> Ex-showroom : Rs 9.99 Lakh
> RTO : Rs 1.16 Lakh
> Comprehensive Insurance : Rs 46K
> Handling Charge : Rs 3000
> Fastag : Rs 600
> Basic Kit : Rs 11K
Less Cash Discount : Rs 10K
with an On road price of Rs 11.65 Lakh then do note that dealer passing on discount in form of Insurance as there are no official discounts on car.

Customer Right
However, if there is a case of any regular model then do note that Insurance plan is 100% customer discretion to buy from
> Any insurance company
> Any Agency / Online
> Any Plan

It just need to have valid car insurance, and dealer in no way can link in consumer offers, exchange bonus to Car Insurance
You can compare cover benefits, premium quote and if you find online premium better value and dealer showroom still forcing to buy through him then you may complaint against same to Manufacturer customer care. Also there is nothing of that sort of relation spoiling - its that if you saving money on buying Car Insurance online then you are using your rights to save money.

In terms of that Showroom Consultant telling you Verbally
Well i have always referred to keep everything in written while making bookin with showroom
Its like entering in contract of sale where
> Terms, Cancelltion charge
> Free Accessories
> Discount Offers
> On road price quote
> Type of Insurance plan with covers
all needs to be referred in black and white

There is no standing of verbatim talks, everything needs to be in written.

Hope should help !!


  1. more than a month ago
  2. Finance, Insurance
  3. # 1
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