Earlier u said that your friend is taking of insurance ? No matter what. Insurance at the dealership is a total scam to be honest. They have a commission of 10,000/- on the premium. When I bought my Punto last month they told me that Future Generali Insurance will cost INR24,500/ - comprehensive package. When I called Future Generali directly they offered the comprehensive package for INR.14800/-. Finally I bought Zero Dep (Golden Plan) for 19,813/- from FG directly over phone and made payment through Online. Tell the dealer upfront about the Insurance rip off. Because the discount they are talking about is just their commission and it cannot be considered as an offer since you can buy it from FG directly. When I booked Linea 1.4Fire Dynamic for my FIL on Nov 30 2013, I was offered the Absolute Accessory Package (Even yesterday I saw a TV commercial were Fiat is offering GPS and Reverse Parking Sensors for both Punto and Linea) Kind cross check with the dealer about the Reverse parking Sensor, but 50% off in Insurance is totally Idiotic.