Two Wheeler

bike insurance

Two wheeler insurance ki jarurat sabhi logo ko padta jisne bike liya h chahe new bike or second hand . India mai hmlog sirf police ke dar se bike insurance lete h. But jisne bike liya uske liye fyda h insurance kra ke na ki government ko isly jb v koi bike le to sbse phle use insurance jarur krwaye.

Kiyu Jaruri Hai Two  Wheeler ko Insurance krana:- 

Bike se jb v hmlog road pe chlte h to kv pta nhi 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 bike chhori ho jaye to uska paisa kaun dega is sb se bachne ke liye insurance karana jaruri ho jata h. Insurance company aise kisi bhi condition mai hme help krta h . wo hmare financial help krta h , jaise kisi ne hmari bike chhori kr li ya thokar mar di tb ye hme jitna loss hota h wo deta hai isse hm financial loss se bach jate .

Kaise kam krta h Two wheeler insurance:-

Two wheeler insurance bahut sare factors pe kam krta h , jaise apke Two wheeler ka brand kya model kya h, Apke bike ka cubic capacity kitna h , Electronic, Nonelectronic item kitna lage h , Jaise apka pichale bike 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 bike ke damages  ke time m aap 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. Personal Accident (PA):- 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 bike le jata h us condition m  insurance company hme loss ka paisa deta h.
  6. Yadi app hmse se koi claim  nhi liya h(NCB Discount) :– 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.

Two Wheeler Insurance Type:-

Generally bike 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 bike 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 bike jitni price hota hota h uska insurance krte h jaise mere Two wheeler ka price 1000000 h to hm bike ke age ke hishab se bike ka actual price lgate h  aur utne price ka insurance krwate h .
  3. Enhancement : -Ye mandatory to nhi but yadi ap chahte loss ka 100% insurance company de tb ye plan lena jaruri h. ismai 100% insurance company pay krega

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 karti h jaise ap raste m to to aapko ghar bhejne ka , bike 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 hamesha idv(insured  declared value) pe insurance rti h but bike ka actual value hamesha usse jyada h jise kehte on rod price. To is add-on m insurance company actual value deti h ydi bike totally damage ho jati h to.
  4. Engine Cover:- Engine sbse important h bike ka , aur yadi 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 bike 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 bike 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 bike ke liye cash arrange kregi 500-1000 ye apke bike pe depends krta h apki bike kitni mahgi h .
  8. 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.

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