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  Thursday, 16 June 2022
  2 Replies
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I have decided to buy- TATA TIAGO XM CNG.

The dealer gave me the quotation
Ex showroom-654900
SMC tax-9824
Total-698535 (Is there any offers we can ask to dealer)

Pls. Guide me from where to buy insurance online .
Furthermore, pls let me know what others things to consider in this process.

Thanks & Regards,
11 months ago
Dear Sir,

Budget is 6 to 6.5 lac on road in UP need 1st car kindly suggest best for long run mostly city use.

11 months ago
Dear Usonpal,

Hi. Greetings !!
Whats your location . Is it Surat in Gujarat ?

CNG Variants across OEM are in high demand due to rising Petrol Car Prices and thats the reason why none of the CNG Cars are selling with any schemes.

> No Maruti car has any kind of scheme offer and neither any exchange
> No Tata Car has any kind of scheme and neither any exchange
> Hyundai only offering rs 10000 exchange on Nios and Turbo as CNG comes with warranty from CNG Kit provider and not by Hyundai directly

Unfortunately - no schemes can be expected
For Insurance Premium - HDFC Ergo and Tata AIG offers competitve premium. Like
> HDFC Ergo Quote is Rs 26498 including 1 yr OD, 3 yr Third Party and Zero Dep with Engine Protector for 1 yr
> Bajaj Allianz quote is Rs 29000 including 1 yr OD, 3 yr Third Party and Zero Dep with Engine Protector for 1 yr
> Tata AIG Quote - you can call customer careon 1800 266 7780 and check - they have multiple plan and offer lower premium through telecon

Also we are herewith sharing booking guide
Step 1. Make Initial Booking with Dealer Showroom with clear breakup of
> Final Receivable Amount (i.e., amount you need to pay against ex-showroom, insurance, registration,
TCS, hp charges, extended warranty, accessories, RSA etc with clear breakup and after applicable
discounts in form of consumer offer, exchange bonus, corporate discount, dealer discounts etc)
> Free Committed Accessories, Packages with Deal Discount clearly referred including Breakup
> Financier HP clearly referred (if on finance)
> Insurance including zero depreciation, engine protection and other add on covers to be offered should
be specified in booking form with premium and IDV value (with name of insurance company to choose
from - if going with dealer showroom)
> Model Variant including Color clearly referred with Tentative delivery Date clearly referred
> Extended warranty with tenure if going for same (optional)
> Cancellation Charges (if any) - although you wont cancel but still better to mention if any such charges
> Also, do mention to sales consultant that you will need VIN before maing further payment and will also do PDI (Pre delivery inspection) before paying off Registration & Insurance Amount and that’s must.

Step 2 - When going with Finance
If going on finance - apply for Car Loan Finance - only when dealer gives you confirmation that car is in
Stock and/or dispatched from Plant or delivery expected in next 2 weeks by submitting necessary
documents for loan approval and post loan sanctioned, dont sign loan disbursement documents till the
time the car in stock.

Step 3 - Wait for Further Payments till time Car arrives in dealer stockyard
Ask for VIN Chassis number, and ensure to always get through Email or through Whatsapp.

Step 4 -, Once VIN number is satisfactory, Ask dealer on when can do pre delivery inspection (as and when car in
You can release in any balance amount as you wish but except
a) Registration Amount
b) Insurance amount
and ask for Pre Delivery Inspection.

If taking finance - you may make balance margin money payment to showroom but except
a) Registration Amount
b) Insurance amount

May sign Loan agreement and other loan kit but dont sign ECS and neither handover Security PDC till
time vehicle inspection is done.

Step 5 - After Vehicle Inspection
Do PDI and After doing a Pre Delivery Inspection of Car, and if to satisfaction release in
> registration amount and
> insurance amount
provided delivery planned within next 5 days at max.

If taking car on finance, release in ECS, security PDC and registration amount and insurance amount to

dealer. Once dealer submit in your ECS and SPDC as final document - bank disburses loan amount to
dealer showroom.

If going with exchange of Old Car - you can now handover Old car to Dealer Showroom too for
adjustment against registration and Insurance.

Step 6 - Take Car Delivery on specified date
Then take delivery on specified date,
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