Car Insurance

Car insurance ki jarurat un sabhi logo ko padti jisne bike liya h chahe new bike or second hand  . India hm log sirf police ke dar se car insurance lete h. But jisne Car liya uske liye fyda h na ki government ko isly jb v koi car le to sbse phle use insurance krwaye.

Kiyu jaruri h apke liye car ko Insurance krana:-  Car se jb v hmlog road pe chlte h to kv pta nhi hota kaha accident ho jaye kiyuki drive ko sirf apne pe control hota samne wale pe kv kisi ka nhi hota . Isly accident hona normal bat h. Ab accident ke bad ya to samne wale hmse paise ka demand krta h ya hm krte h . Ya kv hmare car chhori ho jaye to uska paisa kaun dega . Is sb se bachne ke liye insurance jaruri ho jata h. Insurance company is condition hme help krta h . Wo hmare financial help krta h , jaise kisi ne hmari car chhori ho gya ho ya thokar lag gyi  tb ye hme jitna loss hota h wo deta isse hm financial loss se bach jate .

Kaise kam krta h car insurance:-

Car insurance bahut sare factors pe kam krta h , jaise apke car ka brand kya model kya h, apke car ka cubic capacity kitna h,electronic, nonelectronic saman kitne lage h jaise ac  , music system, CNG/LPG kit lga h ki nhi, ap driver kis type ke h, apka past car insurance ka history kya h etc. Ap kis type ka insurance liye h comprehensive or third party . Apke insurance m kya kya add-ons added h. Apka deductible amount kitna h. waise deductible amount ka mtlb hota h car ke damages  ke time m ap apne pocket se kitna degain.

Impotant point :-

1. Legal Requirement :- Indian motors Act ke hishab se apko third party insurance lena mandatory h.
2. Third party cover ki importance :- Yadi ap kisi person ya kisi dusre ki property ko loss krte h to us person ke loss ko apko dena hoga by legal rule.
3. Accident :- Kisi accident ke case m ap direct claim kr skte h aur directly insurance company se us damage ka  paisa le skte h.
4. Prakrit (natural) damage :-  Kisi  natural disaster jaise badh(flood), bhubhak(earthquake), aag lgna(fire) is condition mai ap apne damage ke liye claim kr skte  h insurance company se.
5. Chhori(theft) and gundagardi(vandalism) :- Chori ke case m ya koi hmse jabardashti car le jata h us condition m  insurance company hme loss ka paisa deta h.
6. Yadi app hmse se koi claim  nhi liya h :– Man lete h apke pass last 5 years se car h aur ap regulatory insurance krwate h aur ap aj tk koi v claim nhi liya insurance company se to apko own damage discount 50% tk milega.

Car Insurance Type:- Generally car insurance two type ke hote h

1. Third Party:- Ye mandatory  h irda ke hishab se . ye apko ko koi v vehicle chale ke chahiye iske bina ap road pe car nhi chala skte jaise bina driving license ke bina ap car nhi chala skte h.
2. Comprehensive :- Ye mandatory to nhi but insurance ka mtlb hi hota h apko kisi loss se bachana isly ye bhi mandatory  nhi hone ke babjud apke liye jaruri h. Kiyuki car apki kitmi sampati m se ek h aur isko bachana apka farz h. isly comprehensive   insurance lete h . Ab comprehensive hota kya h. Ismai  apki car jitni price hota hota h uska insurance krte h jaise mere car ka price 1000000 h to hm car ke age ke hishab se car ka actual price lgate h  aur utne price ka insurance krwate h .

Add-on covers:-

Add-on covers comprehensive ke andar aata h with extra benefits ismai v different type ke add-nos h.

1. Assistance on Road:- Is add-on m insurance company apke kv v on road koi accident hota h ya damage hota h to instant help krti h jaise ap raste m to to apko ghar bhejne ka , car ko garage tk le jane m etc.
2. Zero Depreciation :- Is add-on m koi damage hota h aur wo parts change hota h to insurance company actual price us part ka deta h.
3. . Return to Invoice:- Insurance company hmesa idv(insured  declared value) pe insurance rti h but car ka actual value hmesa usse jyda h jise khte on rod price. To is add-on m insurance company actual value deti h ydi car totally damage ho jati h to.
4. Engine Cover:- Engine sbse important h car ka , aur ydi engine kisi reason se danage ho jata h to insurance company claim nhi deta h . Yadi engine cover add rhta  h to kisi v condition m insurance company claim deti h.
5. Key Loss and Replacement:- Ydi car ki key lose ho jati h aur apko new key locker ki jarurat padti h to is add-on m insurance company actual cost of key pay krti hj.
6. Consumables Cover:- Yadi apki car  years se jyda purani nhi h to insurance company apko nuts & bolts, screen washer, engine oil, bearings and other parts ka v claim deti h .
7. Daily Allowance:- Ydi apki car garage m repair ke liye h to insurance apko dusri car ke liye cash arrange kregi 500-1000 ye apke car pe depends krta h apki car kitni mahgi h .
8. Accidental Covers:- Ye add-on owner and paid driver ko  ek lum sum amount deta h marne ya serious injury pe.
9. No Claim Bonus (NCB) cover:- Ydi ap throughout year koi claim  nhi krte h to insurance no claim  bonus deta. Jo next time premiums pe discount hoga.