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KTM RC 200 & RC 390 Launched

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  • #1246
    Re: KTM RC 200 & RC 390 Launched

    Originally posted by Vikroo View Post
    Are you taking insurance through showroom guys? I was quoted 5900 for No depreciation (oriental) insurance from showroom for RC390. When enquired at oriental insurance they quoted 4400 for the same.
    Yes very much! Can I take it on my own the first time as well? Mine is RC 200 and I don't remember the exact amount they have quoted.

    In case I don't go for insurance from the showroom, what should be my course of action ?

    What did you end up doing? Did not take it from the showroom?
    -
    Live to Ride, Ride to Live!
    http://www.webguy.in

    Comment

    • #1247
      Re: KTM RC 200 & RC 390 Launched

      Originally posted by hackernewbie View Post
      Yes very much! Can I take it on my own the first time as well? Mine is RC 200 and I don't remember the exact amount they have quoted.

      In case I don't go for insurance from the showroom, what should be my course of action ?

      What did you end up doing? Did not take it from the showroom?

      Showroom guy told me that the difference is because they are insuring the bike for onroad price, while insurance company's calculation is based on ex-showroom price. My car's insurance paper shows it was insured based on ex-showroom price. And there was no problem in claiming. So I have decided to do it from outside.

      In my case I went to Oriental insurance office they provided a rough qoute and gave me an agents number. I need to provide the invoice from showroom which has engine no: and chasis no: of the bike and my id proof. My bike haven't reached showroom yet.

      Comment

      • #1248
        Re: KTM RC 200 & RC 390 Launched

        Originally posted by Vikroo View Post
        Showroom guy told me that the difference is because they are insuring the bike for onroad price, while insurance company's calculation is based on ex-showroom price. My car's insurance paper shows it was insured based on ex-showroom price. And there was no problem in claiming. So I have decided to do it from outside.

        In my case I went to Oriental insurance office they provided a rough qoute and gave me an agents number. I need to provide the invoice from showroom which has engine no: and chasis no: of the bike and my id proof. My bike haven't reached showroom yet.
        So the right way of doing this would be:

        1. Pay for the bike and get the invoice.
        2. Using this invoice, get the insurance done.
        3. Take delivery of the bike.

        Right?
        -
        Live to Ride, Ride to Live!
        http://www.webguy.in

        Comment

        • #1249
          Re: KTM RC 200 & RC 390 Launched

          Originally posted by hackernewbie View Post
          So the right way of doing this would be:

          1. Pay for the bike and get the invoice.
          2. Using this invoice, get the insurance done.
          3. Take delivery of the bike.

          Right?

          The procedure should be like that only. What was the amount quoted by showroom for your bike. You are taking RC200 right.

          Comment

          • #1250
            Re: KTM RC 200 & RC 390 Launched

            Originally posted by Vikroo View Post
            The procedure should be like that only. What was the amount quoted by showroom for your bike. You are taking RC200 right.
            Yes, it's an RC 200. I don't remember the Insurance cost but the OTRs are as follows:

            With B2B insurance : 189885
            With 95% coverage : 189388
            -
            Live to Ride, Ride to Live!
            http://www.webguy.in

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            • #1251
              Re: KTM RC 200 & RC 390 Launched

              Originally posted by hackernewbie View Post
              Yes, it's an RC 200. I don't remember the Insurance cost but the OTRs are as follows:

              With B2B insurance : 189885
              With 95% coverage : 189388

              You can call and ask them and then enquire at insurance office. So you can check the difference.

              I got a quotation showing the ex showroom price road tax, handling charges and insurance amount.

              Comment

              • #1252
                Re: KTM RC 200 & RC 390 Launched

                Originally posted by Vikroo View Post
                You can call and ask them and then enquire at insurance office. So you can check the difference.

                I got a quotation showing the ex showroom price road tax, handling charges and insurance amount.
                Aren't insurance premiums calculated based on the Ex-showroom and NOT on the OTR?
                -
                Live to Ride, Ride to Live!
                http://www.webguy.in

                Comment

                • #1253
                  Re: KTM RC 200 & RC 390 Launched

                  Originally posted by hackernewbie View Post
                  Aren't insurance premiums calculated based on the Ex-showroom and NOT on the OTR?
                  you are right it's not based on OTR.

                  Why will insurance pay for road tax. It is not going meet with an accident
                  sigpic



                  --------------------------------------
                  A ConCluSion Is SiMply ThE PlaCe.
                  WheRe YoU gOT TiRed Of ThiNkinG.
                  --------------------------------------

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                  • #1254
                    Re: KTM RC 200 & RC 390 Launched

                    Originally posted by BiKeLovER View Post
                    you are right it's not based on OTR.

                    Why will insurance pay for road tax. It is not going meet with an accident
                    Exactly! [MENTION=34231]Vikroo[/MENTION] seems to have been given a figure based on the OTR!!!! http://www.xbhp.com/talkies/news/299...ml#post1112116
                    -
                    Live to Ride, Ride to Live!
                    http://www.webguy.in

                    Comment

                    • #1255
                      Re: KTM RC 200 & RC 390 Launched

                      Originally posted by hackernewbie View Post
                      Aren't insurance premiums calculated based on the Ex-showroom and NOT on the OTR?

                      Yes. I think showroom guy was just making up some reasons.

                      Comment

                      • #1256
                        Re: KTM RC 200 & RC 390 Launched

                        Originally posted by hackernewbie View Post
                        Exactly! @Vikroo seems to have been given a figure based on the OTR!!!! http://www.xbhp.com/talkies/news/299...ml#post1112116
                        When are you getting the bike ?, I will get the exact date on coming Saturday.
                        sigpic



                        --------------------------------------
                        A ConCluSion Is SiMply ThE PlaCe.
                        WheRe YoU gOT TiRed Of ThiNkinG.
                        --------------------------------------

                        Comment

                        • #1257
                          Re: KTM RC 200 & RC 390 Launched

                          The total onroad price quoted for me was 2,34,400. In which 1500 was loan paper work, they told this charge was for readying loan papers and will be charged even if we are taking loan from bank (not from Bajaj). When asked the details there was nothing for them to say and they agreed to reduce that amount. Then last week they called me and told that insurance amount was increased by 400, I got suspicious and enquired about it at insurance office and they told a lesser rate.

                          Comment

                          • #1258
                            Re: KTM RC 200 & RC 390 Launched

                            Originally posted by Vikroo View Post
                            I had claimed insurance for car a year back. They told that I should pay 2000 anyway for claim and the remaining will be covered under insurance. Total amnt claimed was 89000. There was no depreciation for fiber parts. However I was told that no depreciation policy will be valid only for first 3 years, after that the insurance company will decide whether to extend it or not. I think conditions will be same for bike.





                            Insurance was from national insurance company.


                            Conditions are different for bikes as in case of an accident the damage is more severe even for small accidents (frame and under warranty parts always at risk). Remember claiming insurance for my apache 150 in 2007. Value depreciated. Of course the claim was for 12k INR which at that time was almost a quarter of the cost.

                            Comment

                            • #1259
                              Re: KTM RC 200 & RC 390 Launched

                              Originally posted by Balgi View Post
                              Conditions are different for bikes as in case of an accident the damage is more severe even for small accidents (frame and under warranty parts always at risk). Remember claiming insurance for my apache 150 in 2007. Value depreciated. Of course the claim was for 12k INR which at that time was almost a quarter of the cost.

                              If they are providing no depreciation insurance for bikes then they should provide full claim for fiber parts right?

                              Comment

                              • #1260
                                Re: KTM RC 200 & RC 390 Launched

                                Originally posted by BiKeLovER View Post
                                When are you getting the bike ?, I will get the exact date on coming Saturday.
                                Mine has come and they told I can pick it up 2 days after completing the payment (which I am going to do tomorrow) but I don't think I will be able to do it in the weekdays

                                ----consecutive posts auto-merged-----

                                Originally posted by Vikroo View Post
                                The total onroad price quoted for me was 2,34,400. ...
                                Are you sure?
                                The OTR for RC 390 is 243xxx, how can there be such a BIG difference??

                                And the bank charges you are talking about is actually the 'processing fee' which all the banks charge, for any type of loan.
                                -
                                Live to Ride, Ride to Live!
                                http://www.webguy.in

                                Comment

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