Fellow BHPians,
Completed 1st year with the Car, so I went ahead & completed two most Important things required to keep driving my car
Insurance:
Renewed the Car Insurance with the existing Insurance provider.
Well I had purchased the new policy online with heavy discount, directly from Head office and this time again I negotiate very hard & further brought down the premium.
Original IDV: 22 Lakhs
Premium (1st Year): 45.5K
Renewed IDV: 20 Lakhs
Premium (2nd Year): 24K
NCB: 20%
Compulsory Deductable: 2K
Voluntary Deductable: NIL
Needless to say that 1st year premium was without any Zero Depreciation Cover and renewed under same condition.
First Year Key replacement cover was complementary.
Second year only covers Road-side assistance. It was also available in first year.
Zero Dep with Engine protection & others was 15K more (Non-Negotiated)
PUC
Well I did a thorough R&D before going for PUC certificate.
Normally in Delhi NCR PUC is valid only for 3 months but checked the Motor Vehicle Rules and found that
- You can do without PUC for first 365 days from date of registration of new car and this is applicable all over India.
- For BS IV Cars, PUC validity is 1 years. Even this is applicable all over India.
Not all PUC centre have latest software and as a result they will normally issue certificate for 3 months
Or 6 months, if specifically asked in Noida & Gurgaon (for Cars, which don't drive to Delhi)
PUC centres in Gurgaon, did not had choice of selection of BS IV from drop down field. I checked up with a Delhi PUC centre and first he was reluctant but when I insisted, he asked me to show that car is BS IV.
To my surprise UP RC did not had any mention about Car being BS I/II/II/IV (There was no column or heading)
I tried to convince him that all new cars sold in NCR is BS IV but he insisted for proof. Finally I got hold of Toyota ARAI Mileage certificate, which said it to be BS IV. Also I asked him to check the reading & it would be below BS IV limits.
Finally he did it. It took time as he took 6 readings & every-time pressed the throttle all the way to 3000 RPM.
Now I have got a certificate for 1 year, valid all over India.
During first year, I kept a copy of attached rule in car, in case required.