u/CrypT3chC00k

Update (May 6, 2026): my previous post (May 5, 2026) got removed and I'm not completely sure why, hence reposting this. Nonetheless, have messaged the mods. The post and the comments on it were quite informative & insightful. Link to the old post in comments.

TL;DR: Compared identical insurance coverages for the Creta and Seltos (same parent company, similar IDV). Hyundai gave a fair 40% discount by cutting their commission; Kia refused to match it, mocked me for asking, and the sales guy literally said, "I don't sell cars to such customers" in the background. Avoid this dealership.

Hey everyone,

So I wanted to share a wildly unprofessional experience I had today at a Kia showroom in Delhi. If you’re a buyer who actually does the math before writing a cheque for 15-20+ lakhs, you might want to read this.

The Dealership: Automotive Kia Flat No: K, 1/5A, Main Rajapuri Rd, Block RZ B, Raja Puri, Matiala, New Delhi, Delhi, 110059.

The Context (The Math): I was planning to buy the newly updated Kia Seltos and took a test drive this morning. I had also been cross-shopping the Hyundai Creta. As we all know, the Seltos and Creta are mechanical twins—same parent company, same platform, identical risk profiles for underwriters, and very similar IDVs.

The Hyundai dealership quoted me for top-tier insurance (Zero Dep, Consumables, etc.) and immediately offered a transparent 40% discount on the premium—bringing it down from around ₹93,000 to ₹53,000. They simply reduced their massive dealer commission to secure the car sale.

The Incident: When the Kia sales executive (Faizan) sent me their Seltos quotation, the insurance was heavily inflated. I called him back, explained the Hyundai quote, and politely asked a very logical question: If the cars have identical risk profiles and IDVs, can you match the 40% insurance discount your sister brand is offering?

Instead of a professional negotiation, Faizan handed the phone to another guy named Nadeem. Apparently he has better knowledge about insurance there.

Nadeem clearly didn't like a customer questioning their hidden profit margins. Instead of just saying "we can't match that," he got incredibly defensive, arrogant, and condescending. He started cross-questioning me in a mocking tone, trying to make me sound financially illiterate about the fine print. When I gave him standard answers, he went: "Sir, this is wrong, you don't even know? If you don't know, who will?"

I told him I didn't appreciate his tone and asked him to give the phone back to Faizan. As he was handing the phone over, I clearly heard Nadeem say in the background:

"I don't sell cars to such customers."

The Takeaway: I was completely polite the entire time. All I did was compare the financial numbers the exact same way any smart buyer would compare engine specs or dimensions. But because I didn't blindly accept their inflated insurance markup, their ego couldn't handle it.

I’ve already escalated this to their GM, the Nodal Officer, and Kia India’s CEO office. I walked away from the deal immediately.

Dealerships like this rely on buyers who only look at the EMI and don't question the line items. If you’re in Delhi NCR and actually want to be treated with basic respect when spending your hard-earned money, avoid the Rajapuri/Matiala Kia branch like the plague.

TL;DR: Compared identical insurance coverages for the Creta and Seltos (same parent company, similar IDV). Hyundai gave a fair 40% discount by cutting their commission; Kia refused to match it, mocked me for asking, and the sales guy literally said, "I don't sell cars to such customers" in the background. Avoid this dealership.

Hey everyone,

So I wanted to share a wildly unprofessional experience I had today at a Kia showroom in Delhi. If you’re a buyer who actually does the math before writing a cheque for 15-20+ lakhs, you might want to read this.

The Dealership: Automotive Kia Flat No: K, 1/5A, Main Rajapuri Rd, Block RZ B, Raja Puri, Matiala, New Delhi, Delhi, 110059.

The Context (The Math): I was planning to buy the newly updated Kia Seltos and took a test drive this morning. I had also been cross-shopping the Hyundai Creta. As we all know, the Seltos and Creta are mechanical twins—same parent company, same platform, identical risk profiles for underwriters, and very similar IDVs.

The Hyundai dealership quoted me for top-tier insurance (Zero Dep, Consumables, etc.) and immediately offered a transparent 40% discount on the premium—bringing it down from around ₹93,000 to ₹53,000. They simply reduced their massive dealer commission to secure the car sale.

The Incident: When the Kia sales executive (Faizan) sent me their Seltos quotation, the insurance was heavily inflated. I called him back, explained the Hyundai quote, and politely asked a very logical question: If the cars have identical risk profiles and IDVs, can you match the 40% insurance discount your sister brand is offering?

Instead of a professional negotiation, Faizan handed the phone to another guy named Nadeem. Apparently he has better knowledge about insurance there.

Nadeem clearly didn't like a customer questioning their hidden profit margins. Instead of just saying "we can't match that," he got incredibly defensive, arrogant, and condescending. He started cross-questioning me in a mocking tone, trying to make me sound financially illiterate about the fine print. When I gave him standard answers, he went: "Sir, this is wrong, you don't even know? If you don't know, who will?"

I told him I didn't appreciate his tone and asked him to give the phone back to Faizan. As he was handing the phone over, I clearly heard Nadeem say in the background:

"I don't sell cars to such customers."

The Takeaway: I was completely polite the entire time. All I did was compare the financial numbers the exact same way any smart buyer would compare engine specs or dimensions. But because I didn't blindly accept their inflated insurance markup, their ego couldn't handle it.

I’ve already escalated this to their GM, the Nodal Officer, and Kia India’s CEO office. I walked away from the deal immediately.

Dealerships like this rely on buyers who only look at the EMI and don't question the line items. If you’re in Delhi NCR and actually want to be treated with basic respect when spending your hard-earned money, avoid the Rajapuri/Matiala Kia branch like the plague.