Glaring error in my Honda City insurance; policy says its for an Amaze

While renewing the motor insurance for my other car, I happened to notice that the motor insurance for the Honda City has a grave error on it.

BHPian dionysus recently shared this with other enthusiasts.

Dear Team BHP,

Reaching out to the sea of wisdom contained in this forum.

I bought a Honda City CVT ZX from Capital Honda Chennai in Feb 2022 and have been enjoying the ride for the past 6 months. While renewing the motor insurance for my other car, I happened to notice that the motor insurance for the Honda City has a grave error on it. The insurance document has the car model as Amaze 1.2 VX CVT petrol and cubic capacity as 1199 with a IDV of 870000.00. I paid almost 1800000 for this car

The engine number mentioned matches the car.

I have raised the issue with Honda and Capital Honda (the dealership) and I am waiting for a response from them. Wanted to reach out as to what to do in the interim, is it fine for me to use the car or is the insurance void. Further what actions should I take against/steps should I take against Capital Honda.

I realize I should have been careful as well, but I matched the engine number and the critical dates and left the rest as it was a new car and thought a due diligence would have been done.

Requesting for some views on this.

Here’s what BHPian locusjag had to say on the matter:

Depending on who the insurer is, you should be able to deal directly with them and provide your RC to show proof that it is a Honda City. You should be able to provide the invoice as proof similarly, to enforce a corrected IDV. Based on these new facts, the insurer should be able to re-calculate a premium and you should be able to pay the additional amount and they should send you an updated policy document.

Now, these are all standard transactions for the American insurers I work with, in my job as a Domain Consultant in a software company. Now, if your insurer is a PSU – this is going to be a tough ask. Those folks sell and maintain policies through outdated systems and such changes are sometimes impossible for them. If it is a modern organization such as Acko (or maybe a HDFC Ergo or an equivalent), paragraph 1 will suit them perfectly.

Last option would be to cancel that insurance policy and for you to just buy a new policy directly from Acko – if your insurer is capable of providing a refund for you. The reason I’m pushing Acko’s name is that they pull vehicle information (year, make, model etc.) from the Government’s Vaahan database based on your registration number. There’s simply no scope to get these facts wrong with them.

Here’s what BHPian Latheesh had to say on the matter:

Same thing happened with Royal Sundaram 8 years back back. My car model was mentioned as BEAT LT variant instead of SPARK LT in the policy document. I had to send them the soft copy of RC and they issued an endorsement certificate.

Here’s what BHPian thanixravindran had to say on the matter:

Your insurance will be made null and void in case of a claim.

Since you would have paid the money to dealer during purchase, ask them to pay the difference in premium of correct IDV and model to get this endorsed in insurance document. You may be asked to show the vehicle for verification but since this is dealer mistake they will be able to do without it with the insurance company. If possible, please visit the dealership and complete it in a day to avoid delays.

Here’s what BHPian anjan_c2007 had to say on the matter:

I remember a relative in the Navy, who had come to visit us. This was during the pre computerisation era of the 1980’s. He was a doctor holding the rank of Surgeon Lieutenant (equivalent to Army Captain). Doctors in the Navy use such a prefix before their ranks. While seeing him off at the railway station, the reservation chart showed him as Sargeant Lieutenant. He was furious and said ‘Sargeant’ is a non commissioned officer (NCO) rank.

The Honda City of yours has also been demoted as Amaze this time by the insurers. Please send the concerned a legal notice through a lawyer asking compliance within two weeks or else face the consequences with a civil suit claiming specific relief, compensation, costs and damages.

Here’s what BHPian gjnnbagal had to say on the matter:

I think insurance companies respective/local branch will rectify the mistake if notified with proper documentation (Must make the correction as early as possible).

On a different note, Solapur RTO issued me RC of 7040 CC Tiago, also they misprinted XT instead of XZ. (The car insurance documents and online registration details were fine without any mistake).

After giving written application for issuing new corrected RC, the RTO office gave me same RC with hand written correction and official stamp on it. Have a look at it:

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