Hyundai Motor India — Reducing my IDV of vehicle while doing insurance

Address:781006

Bought a grand i10 sportz on pre-gst sale, ex showroom price was Rs.5, 84, 381, total price including ins. Premium & registration etc was Rs.6, 42, 040, offers were insurance was free and cash discount of Rs.15000 was given, hence the dealer girl showed us the value to be Rs.[protected]ins free) - 15000(cash discount) and we paid Rs.606965 which also comprised of registration charge of Rs.32434, bank charge of Rs2250, loan of Rs.4.5lkhs. now, the invoice shows the ex-show room price as Rs.508157, discount Rs.36, 587, vat Rs.70736 so total is Rs.542306/- but if registration and bank charges for loan is excluded, then price of the car should have been Rs.572239 then why did we pay the extra amount? Also, while doing insurance, IDV was set at Rs.515191. I need a proper explanation to this and I want back the extra money I had to pay and issue a fresh policy with proper IDV. You give insurance free and then deduct the money from ex-show room price, that means invoice value is less and insurance also was paid from our money. Also, insurance premium is a total separate thing from ex-show room price, how can that be shown as a discount and IDV calculated on that. It's a complete fraud you guys are playing with customers.
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