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Old 31st July 2012, 15:55   #286
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Default Re: The Millennium Falcon - Toyota Fortuner - The Raptor that is built to last

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Originally Posted by dkaile View Post
I can give many rebuttals to your apprehensions but just let's just leave it at that. I follow a path less traveled in many facets of my life and this is one of them. To each his own...

,agree, its up-to each as you said .As they say , the path you follow that is less traveled will take you places where others have not been to .
Please PM me if you can ,I am interested about the rebuttals( I had to bring up dictionary for this ) .

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Old 31st July 2012, 15:57   #287
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Default Re: The Millennium Falcon - Toyota Fortuner - The Raptor that is built to last

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I can give many rebuttals to your apprehensions but just let's just leave it at that. I follow a path less traveled in many facets of my life and this is one of them. To each his own...
I bet you wouldn't take that risk with your Superb!

In my book driving without insurance is like driving without seat belts or riding without a helmet.
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Old 31st July 2012, 16:00   #288
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Default Re: The Millennium Falcon - Toyota Fortuner - The Raptor that is built to last

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I bet you wouldn't take that risk with your Superb!
My Superb too won't be comprehensive insured after the 1st year. For companies mistakes, there is the 4 year warranty. For mine, I know what to do... And I am not driving "without" insurance, just without "comprehensive" insurance.

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Old 31st July 2012, 16:22   #289
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Default Re: The Millennium Falcon - Toyota Fortuner - The Raptor that is built to last

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My Superb too won't be comprehensive insured after the 1st year. For companies mistakes, there is the 4 year warranty. For mine, I know what to do...
Cost of replacement of panels and parts in Skodas are extremely high. Of course you are aware of that! Maybe you could start a thread on "what to do when accidents happen and you don't have insurance".
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Old 31st July 2012, 16:33   #290
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Default Re: The Millennium Falcon - Toyota Fortuner - The Raptor that is built to last

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Cost of replacement of panels and parts in Skodas are extremely high. Of course you are aware of that! Maybe you could start a thread on "what to do when accidents happen and you don't have insurance".
Well Santosh, please don't take me wrong. I have taken this decision based on my life experiences and maybe you have based on yours. A move which is contrary to what the general public is doing is always questioned. I just ask for your understanding that the other person's introspective may be right too, sometimes. And don't worry, I am well backed up by some very competent local mechanics who I have seen doing wonders with any sort of accidental repairs at a fraction of the ASC's costs and with better results. Plus I have a separate emergency fund, saved from 30 years of not doing comprehensive insurance on multiple cars, for any eventualities.

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Old 31st July 2012, 17:06   #291
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Default Re: The Millennium Falcon - Toyota Fortuner - The Raptor that is built to last

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Originally Posted by dkaile
I can give many rebuttals to your apprehensions but just let's just leave it at that. I follow a path less traveled in many facets of my life and this is one of them. To each his own...
My Dad follows this choice when it comes to car-insurance ie. he switches to 3rd party from 2nd year of ownership onwards. The very thought freaks me out (my Baleno is still comp. insured in its 8th year), but over the years, looks like it has worked for him.

Eg. he did 3rd party for our Swift in 2nd year and for the next 4 years paid a pittance for insurance and had no issues. In the 5th year, the car took a hit at right side rear-fender/bumper from some rod protruding off a truck. Actually it was something minor that could have been easily done at a good tinker shop for 1000bucks max. But he has this aversion to non-M.A.S.S and takes the car to MASS who promptly change the bumper and one panel and the whole thing cost him 13K or so. Even then it worked out cheaper than if he had paid comp. insurance for those 4 years.

When I am driving the Swift, I am much more cautious/careful than driving the Baleno. Can't even think of the financial damage if it were to take a bad hit.
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Old 31st July 2012, 17:44   #292
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Default Re: The Millennium Falcon - Toyota Fortuner - The Raptor that is built to last

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Well Santosh, please don't take me wrong. I have taken this decision based on my life experiences and maybe you have based on yours. A move which is contrary to what the general public is doing is always questioned. I just ask for your understanding that the other person's introspective may be right too, sometimes. And don't worry, I am well backed up by some very competent local mechanics who I have seen doing wonders with any sort of accidental repairs at a fraction of the ASC's costs and with better results. Plus I have a separate emergency fund, saved from 30 years of not doing comprehensive insurance on multiple cars, for any eventualities.
Good for you dkaile! I am sure you have taken your decisions in your best interest. I admire the way you always seem to get the best deals and look for value propositions.

A comprehensive insurance cover just gives me a peace of mind when I am driving on the road. Cars today are much more expensive today than the humble Rs. 3 ~ 4 lakh cars that we were used to owning in the years gone by. You are driving a 25L SUV. Even if you add up the savings from the past many years of not taking comprehensive insurance , I can't see how you are covering yourself in the event of a major accident/ total loss/ theft/ damage during rioting etc...? Some of these events are not in our control you know.

I would still advise you to take comp insurance for atleast the first three years. More so if you are in business as insurance premium is a deductible expenditure.
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Old 31st July 2012, 17:53   #293
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Default Re: The Millennium Falcon - Toyota Fortuner - The Raptor that is built to last

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I can't see how you are covering yourself in the event of a major accident/ total loss/ theft/ damage during rioting etc...?
Thanks for the concern Santosh. This is exactly the punchline on which this whole business of Insurance is running and making these companies laugh all the way to the bank. And my savings over the years is much much more than than the cost of the entire SUV. If you are accountant then this would be an easy figure for you to calculate with 5 to 6 cars in the family.
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Old 31st July 2012, 18:19   #294
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Default Re: The Millennium Falcon - Toyota Fortuner - The Raptor that is built to last

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Only Third Party Insurance (my legal obligation) done @ 3374/- for a year. Yes, I am one of those "Insurance is the biggest scam" believers.
You've made an interesting point Sir. Going a little , but do you think that someone ought to forgo life insurance and health insurance too? I, for one, have very good friends among the various specialist doctors, who don't charge me consultation for taking care of my health, and have not had occasion to claim the benefits on either type of insurance over the last so many years.
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Old 31st July 2012, 18:39   #295
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Default Re: The Millennium Falcon - Toyota Fortuner - The Raptor that is built to last

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Originally Posted by SS-Traveller View Post
You've made an interesting point Sir. Going a little , but do you think that someone ought to forgo life insurance and health insurance too? I, for one, have very good friends among the various specialist doctors, who don't charge me consultation for taking care of my health, and have not had occasion to claim the benefits on either type of insurance over the last so many years.
Yes, we seem to be straying off topic. Lets keep it back to all to do with the Fortuner. Thanks.

Insurance is a legal requirement as far as 3rd party Insurance is concerned and we should all comply with that without fail. I have made my thoughts clear on that issue to the extent we should be discussing it here. The pros and cons of 'Comprehensive' Auto Insurance can be discussed on this forum but on an separate dedicated topic.
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Old 2nd August 2012, 14:21   #296
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Default Re: The Millennium Falcon - Toyota Fortuner - The Raptor that is built to last

Can't really argue with the logic. I'm running some quick calculations of premiums we've paid since the year 2000, and there is no doubt that I've paid a LOT more in premiums than received in claims.

Back of the envelope calculations show about 12 - 14 lakhs being paid in insurance premiums for cars...and a mere 1.5 - 2 lakhs being claimed for damage.

Not that I'm moving over to 3rd party insurance anytime soon. I guess we're always worried about shelling out for that huge 6-figure repair bill. But the numbers provide for a compelling picture.
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Old 2nd August 2012, 14:48   #297
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Default Re: The Millennium Falcon - Toyota Fortuner - The Raptor that is built to last

Whether one needs comprehensive car insurance or not depends more on one's networth more than anything else.

Let's say somebody has a networth of Rs. 30 Cr and has a BMW 3 Series (Rs. 30 Lacs). Such a person can afford not to take the comprehensive insurance - because a total loss would constitute only 1% of his networth. Plus, the probability of a total loss is quite low.

Now the same (total loss) probability applies to another individual who owns a 3 series, but has a networth of Rs. 3 Cr. But this person cannot afford to give the comprehensive insurance a miss, because it will hit him hard if there is a total loss.
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Old 23rd August 2012, 11:24   #298
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Default Re: The Millennium Falcon - Toyota Fortuner - The Raptor that is built to last

Sirs: My family has booked the Fortuner 4*2 MT. Wanted to know what are the accessories which are the most important for the vehicle?

Well before the query is asked why 4*2: Its just to take care of the Potholes or craters and bad roads which are forever present and not to reach Leh or Ladakh. We have the jeep to do that job.

Thank you
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Old 23rd August 2012, 11:47   #299
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Default Re: The Millennium Falcon - Toyota Fortuner - The Raptor that is built to last

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Sirs: My family has booked the Fortuner 4*2 MT. Wanted to know what are the accessories which are the most important for the vehicle?
4x2 MT is a very good choice made by you as 95% of Fortuner owners hardly take it off roading, neither have I till date. As far as accessories goes, I think there is hardly anything more you will need that is not there already in the SUV. It lacked ipod/usb connectivity and bluetooth in my model which also is now incorporated. You will just need good rubber mats which you can always bargain for free from them as they cost quite less. Don't forget to bargain the boot mat/tray also. The stock sound system is satisfactory. Claddings and more chrome/sills etc. are really not needed. A off-market Tyre Inflator like LIMI is definitely advised. Details of purchase are already there in my previous posts. Drive around for few months and then think if anything else is needed. I have driven it for more than a year and hardly felt the need for any extra accessory.

Rest just go ahead and buy the vehicle and enjoy years of trouble free Toyota reliability and durability. Let me know if any help is required from my side.
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Old 3rd November 2012, 12:01   #300
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Default Re: The Millennium Falcon - Toyota Fortuner - The Raptor that is built to last

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Where did you buy that from? There doesn't seem to be any link on the website to buy it.
Limi Tyre Inflator
Mr. Sawkar,
Email: limipl@vsnl.net
Telephone*:+(91)-(20)-24495739/ 24455739
Mobile:+(91)-9823011739
Link Image Makers India Private Limited
Mr. Sawkar ( CEO )
275, Shaniwar Peth, Omkareshwar Chowk
Pune, Maharashtra - 411 030, India
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