Agreed shams. But there are lot of things which are still not transparent when it comes to dealing with Insurance co. I searched IRDA but could not find any informations as to how the final OD premium after the deductions such as NCB, discounts etc should be arrived at. One thing that puzzles me is the anti theft device discount. I was told recently by Insurance co representatives that any anti theft device not part of the OEM only will be considered for such discounts. For eg the rolling code Immobilizer in Fiat cars will not be considered as an anti theft device when it does the required function. The Insurance co with whom I recently renewed the Punto's insurance refused this discount but had given me the same discount for my earlier Fiesta when renewed with them. Don't understand the logic though.