Car dealer forcing me to buy their insurance at inflated price.

Community Forums Legal Advice India Car dealer forcing me to buy their insurance at inflated price.

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    • #47628 Reply
      User_5a733249
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        User_5a733249
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        February 24, 2025 at 2:15 pm
        Hi.

        I test drove the newly launched Skoda Kylaq and was willing to book the car.

        However, a sales person told me what I have to mandatorily buy the insurance from them. They are quoting 50k for the insurance whereas I can get the same elsewhere for 27k.

        I have even received the same from them in writing. I want to teach the dealer a lesson. What are my options?

      • #47648 Reply
        User_175b9168
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          U
          User_175b9168
          PARTICIPANT
          February 24, 2025 at 2:20 pm
          Complain on national consumer form
          As well mail to skoda india
          that will strighten them up
          But skoda volksvagon future doesn’t seem bright in Germany itself

          • #47660 Reply
            User_5a733249
            Participant
              U
              User_5a733249
              OP
              February 24, 2025 at 2:21 pm
              I have mailed and even posted on X.

              They are saying please allow us time. The dealer is adamant. I was surprised they gave me in writing. It seems Skoda is in cahoots with them.

              • #47671 Reply
                User_175b9168
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                  U
                  User_175b9168
                  PARTICIPANT
                  February 24, 2025 at 2:25 pm
                  Complain on national consumer forum then it will take hardly 10 mins
                  I have myself complained of myntra when they were denying of package opening video now they are calling me and dancing to my tunes

                  • #47678 Reply
                    User_db5d6fdf
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                      U
                      User_db5d6fdf
                      PARTICIPANT
                      February 24, 2025 at 2:29 pm
                      Where can we raise this?

                      • #47684 Reply
                        User_175b9168
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                          User_175b9168
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                          February 24, 2025 at 2:30 pm

                          • #47690 Reply
                            Indiandude2263
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                              Indiandude2263
                              PARTICIPANT
                              February 24, 2025 at 3:12 pm
                              i had complete opposite experience, got a crappy Daikin AC and lodged a complaint, Diakin replied that i havent complaint to them and i should do it.

                              very pessimist behaviour. is this a loophole or something.

                              • #47694 Reply
                                User_5a733249
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                                  U
                                  User_5a733249
                                  OP
                                  February 24, 2025 at 3:14 pm
                                  No. 1st you should establish in writing that you have complaint to the company.

                                  Only after that you should complain in the portal.

                                  I am waiting for Skoda’s official reply before complaining in the portal. The dealer has already made their position clear.

                                  • #47698 Reply
                                    Indiandude2263
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                                      Indiandude2263
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                                      February 24, 2025 at 3:43 pm
                                      makes sense. i actually lodged complaint in their Whatsapp support and i have proof of the Complaint too. but it is in their system, the suckers can remove it anytime.

                          • #47670 Reply
                            Expertsachin5153
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                              Expertsachin5153
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                              February 24, 2025 at 4:29 pm
                              Skoda wont do shit. They are not Maruti or Hyundai to force the dealers. As it is skoda has lesser dealers so they wont do anything unless negative press brought on them. Post on Insta tag autoblogs , youtubers, influencers, magazines. That should bring in some pressure.

                        • #47647 Reply
                          User_e9c07898
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                            User_e9c07898
                            PARTICIPANT
                            February 24, 2025 at 2:30 pm
                            Book from a different seller? Thereโ€™s no violation of enforceable legal right here, the seller will lose business if he insists on selling this particular insurance policy.

                            • #47659 Reply
                              User_5a733249
                              Participant
                                U
                                User_5a733249
                                OP
                                February 24, 2025 at 3:02 pm
                                Are you sure? I think a dealer cannot force insurance? I was under the impression that it is illegal.

                                • #47669 Reply
                                  Indiandude2263
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                                    I
                                    Indiandude2263
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                                    February 24, 2025 at 3:10 pm
                                    just say i will email skoda and one of my friend is a lawyer will less work these days.

                                  • #47668 Reply
                                    User_04abb813
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                                      U
                                      User_04abb813
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                                      February 26, 2025 at 6:16 pm
                                      It is called clubbing and falls under unfair trade practices

                                  • #47658 Reply
                                    Indiansatyendra1489
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                                      Indiansatyendra1489
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                                      February 24, 2025 at 3:02 pm
                                      Why shouldnโ€™t this be classified as unfair business trade practice?

                                      • #47667 Reply
                                        User_e9c07898
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                                          User_e9c07898
                                          PARTICIPANT
                                          February 24, 2025 at 4:11 pm
                                          Nothing unfair about it. Thereโ€™s integration between two businesses, itโ€™s a business decision. You might not like it, but theyโ€™re well within their rights to choose an exclusive partner.

                                          • #47677 Reply
                                            Expertsachin5153
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                                              Expertsachin5153
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                                              February 24, 2025 at 4:25 pm
                                              But they cant force it. Integration or not.

                                              • #47683 Reply
                                                User_e9c07898
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                                                  User_e9c07898
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                                                  February 24, 2025 at 4:25 pm
                                                  What law stops them?

                                                  • #47689 Reply
                                                    User_e74e5af1
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                                                      User_e74e5af1
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                                                      February 24, 2025 at 4:28 pm
                                                      I think I read somewhere that they can’t force you.

                                                    • #47688 Reply
                                                      Expertsachin5153
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                                                        Expertsachin5153
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                                                        February 24, 2025 at 4:33 pm
                                                        Read some ruling that car dealers cannot force insurance as they are not primary insurance salespeople

                                                      • #47687 Reply
                                                        Expertsachin5153
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                                                          Expertsachin5153
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                                                          February 24, 2025 at 4:34 pm

                                                          • #47693 Reply
                                                            User_e9c07898
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                                                              User_e9c07898
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                                                              February 24, 2025 at 4:36 pm
                                                              Nothing on that website refers to any law which prevents a dealer and/or manufacturer from having an exclusive partnership.

                                                              • #47697 Reply
                                                                Expertsachin5153
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                                                                  Expertsachin5153
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                                                                  February 24, 2025 at 4:38 pm
                                                                  Issuance

                                                                  ยป No Manufacturer has given a Mandate to Dealer to deliver in car only when Insurance taken from his Dealership (Unless – there is Free Insurance Scheme – where in offer Valid when Insurance taken from Select preferred Partner Insurance Players as per Terms and Conditions of Scheme laid down by Dealer or Manufacturer)

                                                                  • #47699 Reply
                                                                    User_e9c07898
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                                                                      User_e9c07898
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                                                                      February 24, 2025 at 4:39 pm
                                                                      How is that law? Itโ€™s a random website saying whatever it pleases.

                                                                      • #47700 Reply
                                                                        Expertsachin5153
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                                                                          Expertsachin5153
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                                                                          February 24, 2025 at 4:41 pm
                                                                          Yo man. Comprehension issues ? Thats IRDAI website. If thats random then am president of India.

                                                                        • #47701 Reply
                                                                          User_e9c07898
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                                                                            User_e9c07898
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                                                                            February 24, 2025 at 4:44 pm
                                                                            mycarhelpline.com is IRDAI website? Youโ€™re quoting a random sentence mentioned on some random website and acting smart. Itโ€™s quite funny that I am still responding to you over this platform when your level of intellect is not sufficient to even communicate.

                                                                          • #47703 Reply
                                                                            Expertsachin5153
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                                                                              Expertsachin5153
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                                                                              February 25, 2025 at 1:08 am
                                                                              https://irdai.gov.in/document-detail?documentId=386178 Do read chapter three. Do some research before you call others acting smart. Now go away

                                                                            • #47702 Reply
                                                                              User_d1bcdbeb
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                                                                                User_d1bcdbeb
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                                                                                March 13, 2025 at 8:54 am
                                                                                Wow! The height of ignorance that too with a `Lawyer` tag next to their name.
                                                                                No wonder Indian law system is in such shambles. With this low pedigree of lawyers, it’s not surprising that anyone can strong arm the common man.

                                                                          • #47696 Reply
                                                                            User_5a733249
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                                                                              User_5a733249
                                                                              OP
                                                                              February 25, 2025 at 12:42 am
                                                                              https://irdai.gov.in/document-detail?documentId=386178

                                                                              This link states that Automobile dealers are MISPs and they cannot force customers to buy insurance from them.

                                                                        • #47686 Reply
                                                                          User_77e19fe5
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                                                                            U
                                                                            User_77e19fe5
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                                                                            February 25, 2025 at 11:10 pm
                                                                            Bhai tu lawyer hai?

                                                                • #47646 Reply
                                                                  User_4c89155c
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                                                                    User_4c89155c
                                                                    PARTICIPANT
                                                                    February 24, 2025 at 2:40 pm
                                                                    Seriously..Walk away.. no car is so great that you need to bend to them. There are other similar cars in the market.

                                                                  • #47645 Reply
                                                                    Desiishan4316
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                                                                      Desiishan4316
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                                                                      February 24, 2025 at 2:43 pm
                                                                      What a thug dealer this is. Go to other dealer simple.

                                                                      • #47657 Reply
                                                                        User_5a733249
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                                                                          User_5a733249
                                                                          OP
                                                                          February 24, 2025 at 3:01 pm
                                                                          They are the only dealer available here.

                                                                          • #47666 Reply
                                                                            Desiishan4316
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                                                                              Desiishan4316
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                                                                              February 24, 2025 at 3:45 pm
                                                                              That would explain the doucheness. I would suggest not to submit to these shenanigans. Check if any nearby city dealer is there to get the car.

                                                                        • #47644 Reply
                                                                          Calmsmriti9199
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                                                                            Calmsmriti9199
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                                                                            February 24, 2025 at 2:54 pm
                                                                            Dude – walk away right. He says he only wants to sell with insurance according to his policy not the government policy

                                                                            • #47656 Reply
                                                                              User_5a733249
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                                                                                User_5a733249
                                                                                OP
                                                                                February 24, 2025 at 3:01 pm
                                                                                Yes but since they are the only dealer I will have to buy another car. I really wanted to buy the Kylaq.

                                                                                • #47665 Reply
                                                                                  Calmsmriti9199
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                                                                                    Calmsmriti9199
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                                                                                    February 24, 2025 at 3:02 pm
                                                                                    So you ask for a price if you are not going to take the insurance. They may have negotiated something keeping the profit from your insurance in calculations. You can try to ask them to reprice without that.

                                                                                    • #47676 Reply
                                                                                      User_5a733249
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                                                                                        User_5a733249
                                                                                        OP
                                                                                        February 24, 2025 at 3:04 pm
                                                                                        They initially quoted 75k for insurance and gave me 15k discount. So it’s 50k for insurance.

                                                                                        • #47682 Reply
                                                                                          Calmsmriti9199
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                                                                                            Calmsmriti9199
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                                                                                            February 24, 2025 at 3:07 pm
                                                                                            I am not talking about the insurance cost. I am talking about the cost of the car. See as a business owner – I would consider the total profit on the sale to give you a quoted price. They may have given a further discount on Car MRP for a sale with insurance vs without insurance. So you ask for the entire sale quote ( car price , accessories ) etc by letting them know not to include insurance in the quote

                                                                                          • #47681 Reply
                                                                                            User_cae071e7
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                                                                                              U
                                                                                              User_cae071e7
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                                                                                              February 24, 2025 at 3:12 pm
                                                                                              75-15=60 bro,.not 50.
                                                                                              But jokes aside, dealer can’t legally force you to take insurance only from them. Write to Skoda India on twitter with this email pic and Dealer details, tag their CEO, and media handles like ToI etc, and ask when thos law changed in India or Skoda follows different laws? Should get a quick response. Then go find another reputable dealer.

                                                                                              • #47685 Reply
                                                                                                User_5a733249
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                                                                                                  User_5a733249
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                                                                                                  February 24, 2025 at 3:15 pm
                                                                                                  There is no other dealer where I live.

                                                                                                  I have emailed Skoda and also posted on X. Waiting for their formal reply. The dealer has already made their position clear.

                                                                                                  After that I will be lodging a complaint in the consumer forum portal.

                                                                                                  • #47692 Reply
                                                                                                    User_cae071e7
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                                                                                                      User_cae071e7
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                                                                                                      February 24, 2025 at 3:20 pm
                                                                                                      Ask him if he’s willing to lose a sale, just because he is stuck on Insurance. If he says yes, walk away, and speak with the Skoda Company officials.

                                                                                                      Their CEO ID on twitter is https://x.com/Piyush_Arora_

                                                                                                      Tag him too.

                                                                                                      • #47695 Reply
                                                                                                        User_5a733249
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                                                                                                          User_5a733249
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                                                                                                          February 24, 2025 at 3:24 pm
                                                                                                          Thanks for the X link. Sent a tweet his way with the screenshot.

                                                                                                      • #47691 Reply
                                                                                                        Expertsachin5153
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                                                                                                          Expertsachin5153
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                                                                                                          February 24, 2025 at 4:26 pm
                                                                                                          Did you tag skoda ? Also tag media houses and influencers and car blogs and auto
                                                                                                          Magazines on insta and twitter. That usually works

                                                                                            • #47643 Reply
                                                                                              Navinpanda317
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                                                                                                Navinpanda317
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                                                                                                February 24, 2025 at 2:55 pm
                                                                                                No legal or legal advice lol ๐Ÿ˜‚ just go and ask another dealer. I remember paying only ex showroom , road tax , tcs thatโ€™s it. No other bull sh!t. Skoda dealers are worst. They donโ€™t match with the brand reputation.

                                                                                                • #47655 Reply
                                                                                                  User_5a733249
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                                                                                                    User_5a733249
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                                                                                                    February 24, 2025 at 3:00 pm
                                                                                                    They are the single dealer available here. They are taking advantage of their monopoly.

                                                                                                    • #47664 Reply
                                                                                                      Navinpanda317
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                                                                                                        Navinpanda317
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                                                                                                        February 24, 2025 at 3:12 pm
                                                                                                        Just dump that stupid brand. Go look for another brand.

                                                                                                        • #47675 Reply
                                                                                                          User_5a733249
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                                                                                                            User_5a733249
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                                                                                                            February 24, 2025 at 3:17 pm
                                                                                                            Sadly after TD of the Kylaq no other car in this price feels good.

                                                                                                            If they don’t budge I’ll probably wait sometime till the Kylaq hype dies down and try booking again. I already have an old running car so no urgency.

                                                                                                          • #47674 Reply
                                                                                                            User_5a733249
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                                                                                                              User_5a733249
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                                                                                                              February 24, 2025 at 3:18 pm
                                                                                                              Sadly after TD of the Kylaq no other car in this price feels good.

                                                                                                              If they don’t budge I’ll probably wait sometime till the Kylaq hype dies down and try booking again. I already have an old running car so no urgency.

                                                                                                      • #47642 Reply
                                                                                                        Braveseeker242
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                                                                                                          Braveseeker242
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                                                                                                          February 24, 2025 at 3:00 pm
                                                                                                          also post in r/CarsIndia

                                                                                                        • #47641 Reply
                                                                                                          Indiansatyendra1489
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                                                                                                            Indiansatyendra1489
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                                                                                                            February 24, 2025 at 3:07 pm
                                                                                                            NAL

                                                                                                            I guess you can send them a legal notice about unfair business trade practices. Ask them to match external policy quote or allow you to buy it externally. Based on their response, you can fight a case. Make sure to add company as a party to the case.

                                                                                                            • #47654 Reply
                                                                                                              User_5a733249
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                                                                                                                User_5a733249
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                                                                                                                February 24, 2025 at 3:16 pm
                                                                                                                Would this be better or lodging a complaint in consumer helpline portal?

                                                                                                                • #47663 Reply
                                                                                                                  Indiansatyendra1489
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                                                                                                                    Indiansatyendra1489
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                                                                                                                    February 24, 2025 at 3:19 pm
                                                                                                                    Yes try that first. My experience is that some companies will just close it giving bs answers.

                                                                                                              • #47640 Reply
                                                                                                                Fierceankit3264
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                                                                                                                  Fierceankit3264
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                                                                                                                  February 24, 2025 at 3:23 pm
                                                                                                                  NAL

                                                                                                                  Honestly, just walk away. What the dealer is doing isnโ€™t right, but letโ€™s say itโ€™s illegal (most likely is a violation of anti competitive, monopoly & consumer rights).

                                                                                                                  The other facts are that you arenโ€™t:
                                                                                                                  – a 2-bit hypocrite YouTuber & Podcaster
                                                                                                                  – you arenโ€™t a comedian
                                                                                                                  – no one has claimed that there is an ancient religious structure buried beneath your feet at any arbitrary point in time – astronomical or astrological / mythical.

                                                                                                                  You could be dodging another bullet because Skoda isnโ€™t exactly a popular brand in much of the developed world.

                                                                                                                  They arenโ€™t known for their spectacular reliability, performance, efficiency, interiors etc.

                                                                                                                  So if youโ€™re gonna spend an additional 50K, you could just level up your car?

                                                                                                                  If the dealer wants to be a cantankerous, monopolistic jackass, this is probably better than wasting your time in the legal system where you have locus standi, but youโ€™ll feel like a locust under sandals.

                                                                                                                  • #47653 Reply
                                                                                                                    User_5a733249
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                                                                                                                      February 24, 2025 at 3:25 pm
                                                                                                                      Yeah. I feel my post ownership experience will be horrible with this dealer. Looking at other cars as well.

                                                                                                                      But I was just wanted to teach them a lesson legally.

                                                                                                                      • #47662 Reply
                                                                                                                        Fierceankit3264
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                                                                                                                          Fierceankit3264
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                                                                                                                          February 24, 2025 at 3:29 pm
                                                                                                                          I get the urge. But look around you. We simply donโ€™t have that kind of legal system. Chin up mate, youโ€™ll find a much better car!

                                                                                                                          You can bandy that around the dealers nose. He sounds like a greedy goblin the sight of your money gone to another hits him where it hurts the most.

                                                                                                                          Also Skodaโ€™s are just Mehโ€ฆ

                                                                                                                          • #47673 Reply
                                                                                                                            User_5a733249
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                                                                                                                              User_5a733249
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                                                                                                                              February 24, 2025 at 3:33 pm
                                                                                                                              I have test driven all NCAP rated safe compact SUVs and crossovers under 15L. Kylaq is the only one I genuinely loved driving.

                                                                                                                              • #47680 Reply
                                                                                                                                Fierceankit3264
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                                                                                                                                  Fierceankit3264
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                                                                                                                                  February 24, 2025 at 3:37 pm
                                                                                                                                  Youโ€™re on your own with that one!

                                                                                                                        • #47639 Reply
                                                                                                                          User_dceef56f
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                                                                                                                            User_dceef56f
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                                                                                                                            February 24, 2025 at 3:53 pm
                                                                                                                            I will suggest you find a different car. If they are the only seller for Skoda in your area, I am guessing they are also going to be the only service centre around.

                                                                                                                            If they are behaving badly now, think how they will treat you once they take your money.

                                                                                                                            The pain is not a short term one, it’s going to be bad in the long run as well. Find a different brand.

                                                                                                                            • #47652 Reply
                                                                                                                              User_5a733249
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                                                                                                                                User_5a733249
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                                                                                                                                February 24, 2025 at 5:06 pm
                                                                                                                                Yeah. I am thinking the same and going with different brand. But I wanted to teach them a lesson if possible.

                                                                                                                            • #47638 Reply
                                                                                                                              User_ea6571d9
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                                                                                                                                User_ea6571d9
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                                                                                                                                February 24, 2025 at 4:18 pm
                                                                                                                                From the post, it seems the dealership is from Dibrugarh. You can also purchase vehicle from other dealerships within assam. There is one in Nagaon and another 2 in Guwahati. You can drive back from there. It would be one time drive only and who knows you might get a cheaper price. It is also cost effective but you have to spend some time in travelling.

                                                                                                                                • #47651 Reply
                                                                                                                                  User_5a733249
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                                                                                                                                    User_5a733249
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                                                                                                                                    February 24, 2025 at 5:06 pm
                                                                                                                                    SSB is the only dealer in Guwahati and Dibrugarh. They have monopoly.

                                                                                                                                    • #47661 Reply
                                                                                                                                      User_ea6571d9
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                                                                                                                                        User_ea6571d9
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                                                                                                                                        February 24, 2025 at 5:23 pm
                                                                                                                                        You can try buying it from itanagar or from nagaland. Just thinking out options.

                                                                                                                                        • #47672 Reply
                                                                                                                                          User_5a733249
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                                                                                                                                            February 24, 2025 at 5:29 pm
                                                                                                                                            Too much hassle. I am just opting for the 3XO TGDI.

                                                                                                                                            • #47679 Reply
                                                                                                                                              User_ea6571d9
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                                                                                                                                                User_ea6571d9
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                                                                                                                                                February 24, 2025 at 5:30 pm
                                                                                                                                                Understandable. Good luck.

                                                                                                                                      • #47637 Reply
                                                                                                                                        Expertsachin5153
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                                                                                                                                          Expertsachin5153
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                                                                                                                                          February 24, 2025 at 4:24 pm
                                                                                                                                          Ask the dealer to match your quote or buy from another dealer

                                                                                                                                        • #47636 Reply
                                                                                                                                          User_c27143dd
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                                                                                                                                            User_c27143dd
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                                                                                                                                            February 24, 2025 at 4:55 pm
                                                                                                                                            I had the same issue with Hero while buying a new bike so I complained in the head office mentioning the gov rule which allows customers to buy bike insurance other than dealership but i already paid the amount as I had no option,later i got a call and they refunded 2500 rs in cash to match the outside insurance amount.

                                                                                                                                          • #47635 Reply
                                                                                                                                            User_c27143dd
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                                                                                                                                              User_c27143dd
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                                                                                                                                              February 24, 2025 at 4:56 pm
                                                                                                                                              If the dealership matches the outside insurance amount then please make sure that no terms and conditions changed because I have seen somewhere they changed one time cost for repairing which was free earlier.

                                                                                                                                            • #47634 Reply
                                                                                                                                              User_28ba0423
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                                                                                                                                                User_28ba0423
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                                                                                                                                                February 24, 2025 at 5:01 pm
                                                                                                                                                I have recently gone through this. So the thing is the dealer can’t force you to buy insurance from them. And they quoted 40k in the beginning but then I got them to give me one in 30k which was almost market price.

                                                                                                                                                So, yes they can’t force you. Just tell them that you don’t want their car then.

                                                                                                                                              • #47633 Reply
                                                                                                                                                Happybear2986
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                                                                                                                                                  Happybear2986
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                                                                                                                                                  February 24, 2025 at 5:51 pm
                                                                                                                                                  Get a quote from outside. They will match it. They do this with noobs like you. No need to get hyper.

                                                                                                                                                  • #47650 Reply
                                                                                                                                                    User_5a733249
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                                                                                                                                                      User_5a733249
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                                                                                                                                                      February 25, 2025 at 12:44 am
                                                                                                                                                      Bro, I am not a noob. I have tried every way to get it lowered. They are not budging.

                                                                                                                                                      If they were not lowering the car price I had no issues. But they can’t force the insurance on me.

                                                                                                                                                  • #47632 Reply
                                                                                                                                                    Yashbear32
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                                                                                                                                                      Yashbear32
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                                                                                                                                                      February 24, 2025 at 10:56 pm
                                                                                                                                                      Consumer is a king, you have the money and power
                                                                                                                                                      Don’t bend the knee. Just move one try other dealers but let them the reason you are moving away.

                                                                                                                                                      • #47649 Reply
                                                                                                                                                        Indianhero3401
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                                                                                                                                                          Indianhero3401
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                                                                                                                                                          February 25, 2025 at 3:01 am
                                                                                                                                                          Bro op already paid
                                                                                                                                                          You think the dealer will give the money back to him just like that

                                                                                                                                                      • #47631 Reply
                                                                                                                                                        Braveowl8571
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                                                                                                                                                          Braveowl8571
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                                                                                                                                                          February 25, 2025 at 2:45 am
                                                                                                                                                          Send a complaint to skoda for dealer malpractice.
                                                                                                                                                          Unfortunately there’s nothing much you can do .. it’s not a criminal offence and I doubt skoda will do much here.

                                                                                                                                                          Your only option: move to a different dealer

                                                                                                                                                        • #47630 Reply
                                                                                                                                                          Braveowl8571
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                                                                                                                                                            Braveowl8571
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                                                                                                                                                            February 25, 2025 at 2:48 am
                                                                                                                                                            Plz share your tweet link here.. we will help you by re-sharing it.

                                                                                                                                                          • #47629 Reply
                                                                                                                                                            Braveowl8571
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                                                                                                                                                              Braveowl8571
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                                                                                                                                                              February 25, 2025 at 2:54 am
                                                                                                                                                              Plz put up a post on LinkedIn as well.

                                                                                                                                                              Here’s the profile of their india head : https://www.linkedin.com/in/piyush-arora-9b1b02135?utm_source=share&utm_campaign=share_via&utm_content=profile&utm_medium=android_app

                                                                                                                                                              You may find other skoda/VW employees as well on Linkedin

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                                                                                                                                                          Reply To: Reply #47655 in Car dealer forcing me to buy their insurance at inflated price.
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