Quote Originally Posted by Walter View Post
Why will he pay for a unit that has not been delivered?
Its really upto the buyer, esp if they really want to avail of the promo. If the buyer paid in full last Sept. then the dealer will have no other recourse (or excuses) to not offer the free insurance esp. since the contract of sale has been perfected (whether it is either an absolute or a conditional kind of contract of sale). And whether or not, the thing (car) has been delivered or not has no bearing of whether it should be eligible for free insurance bec. the contract has been perfected and besides that, the dealer is already in delay.

Regarding the issue of downpayment, the dealer may consider it as an "option" money meaning the money paid as downpayment is considered for the option contract, the application to a sale which has not yet been perfected. In this case, they can say there was no perfection of contract and they are not obliged to offer free insurance.

On the other hand, if the downpayment was considered as "earnest" money then the buyer is eligible for free insurance since such payment is given when there is a sale and the contract is perfected.

On the two scenarios above, it would depend alot on what the agreements bet. the parties are.