Re: Drivers with Disabilities Quote:
Originally Posted by StringerBell Hi Guys,
I am planning to buy a Wagon R and get it modified in order to make it wheelchair accessible like the picture attached. I am based out of Bangalore and looking for a body shop which can do this. - I don't have a Wagon R yet and plan to buy a used one. If I purchase it outside of Karnataka, will I get road tax/excise/insurance exemption? Because, I will not be the one driving this Wagon R but it will be modified specifically for me. Does it require the body shop to be RTO approved?
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Sorry I missed out this post earlier so I am providing some answers in case you still need them. In Bangalore Galaxy systems are the RTO authorized bodyshop that can do the modifications and nobody else (my information is from May 2015 when I had got it done). See my post 1 above yours (Post #58). There was another garage that was also trying to get the approvals so they might have got it by now.
Go to your local RTO and meet with the Asst. RTO and he/she will guide you. You can also get the list of currently approved garages from the Registration clerk.
It doesn't matter where you purchase from. As long as you register it in KA as "Invalid carriage" following the necessary process and documentation, you will be eligible for exemption on Road tax (only have to pay a small registration amount). For out of state you will have to go thru the NOC hassle. Quote:
Originally Posted by tanwaramit If the car is not driven by you, but a chauffeured one, then you have to pay all taxes due and no benefits are given. |
Whatever research I did indicated that the car either has to be driven with a driver having "Invalid carriage" license or it can even be driven by LMV license holder as long as the car is meant for an differently abled person. Now this provision will leave door open to misuse so hope you understand that if you want road tax exemption by registering it as "Invalid carriage" you need to take out the car only when you are using it (either as driver or passenger depending on the case). Quote:
Originally Posted by lakhanironak I have a query regarding insurance for my family's 2011 VW Vento 1.6 MPI Automatic which is registered as an invalid carriage.
The car was initially purchased as a used car and transferred on my name as a LMV back in Jan 2015. Last year my parents shifted back from Muscat, Oman and subsequently my father applied for local D/L and thus the car was transferred to his name in April 2016. We had renewed the insurance in Feb 2016 while it was still on my name.
Once the car was transferred to his name, we changed the title on the insurance policy too (Insurance Firm : Tata-AIG).
Now, we were expecting a 50% discount on the Own Damage insurance premium for this year, but Tata-AIG have not provided the same on the reminder for renewal which was sent to us by post. Further when I called customer support, they have even denied of there being any kind provision for discount for the handicapped or for vehicles registered as Invalid Carriage.
1. How are we supposed to approach the insurance company with regard to the above ? 2. Have any of you had any experiences ?
3. Should we shift to a public sector insurance firm ? |
Is the car registered as "Invalid carriage"? I understood from above that the registration changed from you to your dad so in that case did the car continued "Invalid carriage" registration? If Yes then as per IRDA rule, you are entitled for 50% discount on basic car insurance (not the add-ons like Zero dep etc). Quote:
Originally Posted by autotranny You are right. Private insurance firms refuse this 50% discount. I'm not sure if this is a mandatory provision, but then its not worth the effort trying to convince everyone from telecaller to branch manager on this.
The best option is to move to a Govt insurance co; I got mine from National Insurance. Zero dep policy with 50% discount for my Verna. |
Since this is IRDA rule, it is mandatory and they are supposed to follow it else you can complain. But most are ignorant and do not want to go thru the paperwork so they flatly refuse. You can take them to task if you have time & patience. When I bought a new car, the dealership insurers flatly refused so my SA told to go ahead and get insurance from outside. I could have fought back but got a great quote from Future Generali so went with it. There was one more insurance company (I think it was Sundaram but am not 100% sure) which came close enough in their online quote (though higher than FG) - when I spoke over phone with the Rep and asked him to give me the 50% discount he said that the online quote is already significantly discounted so he cannot give another 50% on that (I am assuming he meant 50% would be on regular quote which would still be more than the online quote). I did not pursue it further.
To summarize - all insurance providers are supposed to give it. You would have a better shot not online but at your local agent (even if he is private insurance agent) as he would take the pain of negotiating with the company and do the paperwork.
Last edited by JD1 : 14th January 2017 at 20:34.
Reason: Correcting typo in the Year (2015 and not 2014)
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