[dkaile]

The DO IT YOURSELF for getting full ipod and aux-in functionality is finally updated here - http://www.team-bhp.com/forum/diy-do...ml#post2706782



Finally, a parting shot of the Falcon today, in all its sublime glory.
Understated Elegance...


Cheers...

[dkaile]

A new friend of the Falcon has arrived. The new girl is looking slightly apprehensively at the Falcon for his approval -



The New SUPERB ownership thread is now online here - http://www.team-bhp.com/forum/test-d...t-destiny.html

[dkaile]

The Millenium Falcon (No. 1) compared to the No. 2 in the D2 segment - http://www.team-bhp.com/forum/test-d...ml#post2738625



BUT what matters most is that both 'Live to Drive'...

[yaji]

Hi dkaile,

I have almost decided on buying a T-Fortuner (4 X 4) and have got quotes for both the old model and the new one. I read on your thread that you went for insurance from your own source outside of the showroom. Can you tell me the difference if the insurance is taken direct from the insurance provider rather than the showroom ?

Thanks

[n.devdath]

Originally Posted by yaji

Can you tell me the difference if the insurance is taken direct from the insurance provider rather than the showroom?

Insurance from the showroom is always costlier than insurance from outside simply because the showroom employee/s are insurance agents and hence try to extract the maximum possible margin from the customers on the excuse of providing a hassle free experience whereas there is absolutely no difference in either. What matters is the type of policy you choose.

Since you are from Bangalore, let me know the lowest quote you get, either from the showroom or outside and I will get you something lower.

PS: I DO NOT sell insurance and there is no financial or other interest behind this initiative of mine.

[Aroy]

Originally Posted by n.devdath

Insurance from the showroom is always costlier than insurance from outside simply because the showroom employee/s are insurance agents and hence try to extract the maximum possible margin from the customers on the excuse of providing a hassle free experience whereas there is absolutely no difference in either. What matters is the type of policy you choose.

Since you are from Bangalore, let me know the lowest quote you get, either from the showroom or outside and I will get you something lower.

PS: I DO NOT sell insurance and there is no financial or other interest behind this initiative of mine.

Get hold of an independent insurance agent, and find the formula. As far as I know this is what my agent explained to me :

1. around 3% of the 95% of the Ex-showroom price, my agent gives me 20% discount on this figure.
2. Third Party cover, in your case should be around 2.5k

so for a 20L vehicle it would be approximately 20Lx0.03x0.8 + 2.5k ~ 50K. The exact figure of 3% will vary (between 2.5 and 3.5) from company to company and depend on the type - normal, zero depreciation etc. This figure is definitely much lower than what the show rooms give, as they want to pocket as much as 40% of the initial premium.

[dkaile]

Originally Posted by yaji

Hi dkaile,
I have almost decided on buying a T-Fortuner (4 X 4) and have got quotes for both the old model and the new one. I read on your thread that you went for insurance from your own source outside of the showroom. Can you tell me the difference if the insurance is taken direct from the insurance provider rather than the showroom ?

Hi Madhava,
The difference should was around 20K when I last took quote. However at last moment the dealership was adamant to take Toyota linked Insurance from them. If you add zero percent depreciating, it would be around 10~15K extra. I however feel zero% depreciating is not needed in the 1st year. Kindly take quote from outside and you can then insist on your dealer before handing them advance that you would take Insurance yourself. A cover note from your agent can be carried at the time of taking delivery.

[yaji]

Originally Posted by n.devdath

What matters is the type of policy you choose.

Since you are from Bangalore, let me know the lowest quote you get, either from the showroom or outside and I will get you something lower

I' am looking at a no frills policy.

Thanks for your offer to help devnath. I will get back to you once i get the quotes from outside sources.

Originally Posted by Aroy

Get hold of an independent insurance agent, and find the formula. As far as I know this is what my agent explained to me :

1. around 3% of the 95% of the Ex-showroom price, my agent gives me 20% discount on this figure.
2. Third Party cover, in your case should be around 2.5k

so for a 20L vehicle it would be approximately 20Lx0.03x0.8 + 2.5k ~ 50K. The exact figure of 3% will vary (between 2.5 and 3.5) from company to company and depend on the type - normal, zero depreciation etc. This figure is definitely much lower than what the show rooms give, as they want to pocket as much as 40% of the initial premium.

The funny thing is that on a price of 20.6L i have been quoted an insurance of almost 56K where as on a price of 22.1L i have been quoted 85.5K. The math does not match up at all ! These prices are for an old and new model respectively.

[yaji]

Originally Posted by dkaile

Hi Madhava,
The difference should was around 20K when I last took quote. However at last moment the dealership was adamant to take Toyota linked Insurance from them. If you add zero percent depreciating, it would be around 10~15K extra. I however feel zero% depreciating is not needed in the 1st year. Kindly take quote from outside and you can then insist on your dealer before handing them advance that you would take Insurance yourself. A cover note from your agent can be carried at the time of taking delivery.

Thanks for your feedback dkaile. I will now start exploring the options but i have this dirty feeling that the dealer may throw tantrums on this issue.

[Aroy]

Originally Posted by yaji

I' am looking at a no frills policy.

Thanks for your offer to help devnath. I will get back to you once i get the quotes from outside sources.



The funny thing is that on a price of 20.6L i have been quoted an insurance of almost 56K where as on a price of 22.1L i have been quoted 85.5K. The math does not match up at all ! These prices are for an old and new model respectively.

The difference is the extra margin the dealer would be making. 56K on 20L is about the right amount, 85.5K on 22.1L is the scam.

I had come across a similar scam in case of a friend's Vento. If I remember well the dealer was around 40K, the calculation came to 25K. This is what I think the dealer does

1. Calculates the premium on full value, where as the insurance will give only 95% of the ex-showroom value. They may also be using a higher rate (after all you have no method of verifying!)

2. Does not pass a part of the commission. My agent gives me 20%.

But that still does not account for nearly 30-50% premium charged by dealers compared to the normal insurance agents.

[dkaile]

19-07-2012, 10000km Report - 3rd Free Service

Well it was 10002 km on the odo when the falcon rolled into Grand Toyota, Meerut, today morning for the 10k km 3rd service exactly after 11months and 10 days into ownership.



The engine oil was changed, as was the oil filter. The air filter was air cleaned and all fluids checked. All 4 brakes were serviced and the front disks underwent a thorough cleanup. I got all 5 tyres rotated as per the manual and the stepney was used for the first time ever.

Then I got the shock of my life when I was informed that the service staff had very little idea what "Propeller Shaft Greasing" meant. Some photos from Teambhp were shown impromptu to the Service Manager and I was even more shocked to hear that they did NOT have a grease gun for the job. Hue and cry was raised and I was assured that the same would be arranged within a day or two and I would be given a call back for the job. As my vehicle was never submerged or went off road, I assured myself that the same could be skipped for the moment. I however made it a mark to inform them that their service department was still not up to the mark of the Delhi ones.

The SUV was moved the the wash area which was much more professional and one that I was quite satisfied with. The car was given a thorough air cleanup.



Then moved up the hoist for under-body pressure wash and et al



Finally the cleaning guys gave it a thorough mopping down



The engine bay looking as good as the day I bought it after the 3M treatment



The Toyota ages very well



The wonderful D4D engine, running better than when it was new



The Exide Battery looking pristine



The final look on reaching home





The insides too shining as new and the ipod merrily playing away



Total cost of servicing was 2437/- which included 6.9L of 5W30 original Toyota Engine Oil, Oil filter and a oil gasket. No alignment or balancing was necessary. Service charge was free.

Faults till date - NIL

The Falcon merrily cruises along. May the Force be with you for reading...

[dkaile]

As one year was completing on 09-08-2012, got the 2nd year Insurance done by Oriental Insurance. Only Third Party Insurance (my legal obligation) done @ 3374/- for a year. Yes, I am one of those "Insurance is the biggest scam" believers. These Toyota guys had already scammed 60 thousand bucks from me for the 1st year Insurance.

[Samurai]

People who have taken auto loan probably don't have the choice of giving up comprehensive insurance.

[black12rr]

Originally Posted by dkaile

As one year was completing on 09-08-2012, got the 2nd year Insurance done by Oriental Insurance. Only Third Party Insurance (my legal obligation) done @ 3374/- for a year. Yes, I am one of those "Insurance is the biggest scam" believers. These Toyota guys had already scammed 60 thousand bucks from me for the 1st year Insurance.

what if you bang your SUV and its a total , dont you loose all the 20 Lakh - depreciation in one go ?

[dkaile]

Originally Posted by black12rr

what if you bang your SUV and its a total , dont you loose all the 20 Lakh - depreciation in one go ?

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...