[F50]

Originally Posted by sandeep108

You tried to justify the rating basis.

Im not justifying it Sir. Im saying what is followed.

Originally Posted by sandeep108

That is exactly the same point I am making, since third party liability premium has very little or nothing to do with engine capacity.

Then what? You explain me.

Originally Posted by sandeep108

I do see quite a few and I also see santros/indicas driving at 100. But Octavia, Accord, Corolla all have better brakes and can stop in shorter distance from 100 than santro/indica, so chance of fatal accident is less.

So from now on if you have ABS your premium will come down a bit.
"Bigger" cars finally getting some off somewhere.

Originally Posted by sandeep108

So then now you admit engine capacity has nothing to do with accidents?

No i dont.

Originally Posted by sandeep108

I am not saying premiums can be fixed individually, it may be ideal but impractical, but surely if they are fixing categories, then there should be some logic as to the basis. If the 'bigger' car owners as a group drive more carefully and have less accidents, then why should they not get benefit of lower premium? That is the whole purpose of detariffing. But now just because an aveo or fiesta is 1600cc, that means a TP premium of almost 3 times that of a 1400cc aveo or fiesta.

What according to you should be the ideal categories?
And what is the defination of bigger car? For Santro owners Baleno is bigger and for Baleno owners Accord is bigger.

a) Drunken driver in Merc E Class (was it?) met with accident on Marine Drive.
b) Recent one at Bandstand. Car was Corolla?
c) People were crushed by a Land Cruiser outside bakery in Bandra.
d) 2 people were killed at Kalanagar, Bandra. The car was Tata Indigo.
e) Kids sneaked out in Ikon, was found in 2 pieces at Worli Sea Face.

I hope you trying to get a small pattern what im trying to show.
All these cars can go upto good amount of speeds.
Faster the car gets difficult it gets to handle.
Engine Capacity??!! Cubic Capacity!!??