Bike Insurance - Third Party Kanoon Se Zaroori Hai, Par Wo Aapki Bike Ka Ek Rupaya Bhi Nahi Deta

Bike Insurance Kaise Lein - Poora Tarika

Bhaiyon aur behno, bike insurance me sabse mehngi galatfehmi ek hi hai:

"Mera insurance hai" ka matlab ye nahi ki aapki bike ka nuksaan mil jayega.

Kyunki zyadatar log third party wali policy lete hain (wo sabse sasti hoti hai), aur usme aapki apni bike ka ek rupaya bhi nahi milta.

Do Tarah Ka Bima - Poora Fark

Ek line me: third party doosre ko bachata hai, comprehensive aapko bhi.

Third Party - Ye Chhod Nahi Sakte

Ye kanooni shart hai, sujhav nahi:

Bina valid third party insurance ke sadak par gaadi chalana apraadh hai - uspar jurmana lagta hai, aur bade haadse me aapki apni jeb par poora bojh aa jaata hai.

Naya vehicle kharidte waqt ek lambi avadhi ka third party cover ek saath lena hota hai - two-wheeler ke liye ye vyavastha paanch saal ki chali aa rahi hai (2018 ke faisle se), aur August 2026 me Supreme Court ne ise badha kar chhe saal karne ka nirdesh diya hai, jise IRDAI ko lagu karna hai.

Aapke liye vyavharik baat: apni policy ke kaagaz me khud dekho ki wo kab tak valid hai - yahi ek cheez pakki hai, baaki niyam badalte rehte hain. Tareekh nikalne se pehle renew karo.

IDV - Ye Number Sabse Zyada Maayne Rakhta Hai

Comprehensive lete waqt ye samajhna zaroori hai:

IDV (Insured Declared Value) wo raqam hai jo aapki bike chori ho jaane ya poori tarah barbaad hone par milegi.

Do baatein isme phanste hain:

1. IDV kam rakhne se premium kam ho jaata hai - aur agent aksar yahi bech dete hain, kyunki policy sasti lagti hai. Par nuksaan ke din aapko utna hi kam milega.

2. IDV har saal ghatta hai, kyunki gaadi purani hoti jaati hai. Ye samanya hai.

Sahi tarika: IDV apni bike ki asli baazaar keemat ke aas-paas rakho. Sirf premium dekh kar IDV giraana apne hi khilaf jaata hai.

No Claim Bonus - Wo Chhut Jo Log Gawa Dete Hain

Agar poore saal koi claim nahi kiya, to agle saal ke premium par chhut milti hai. Ye chhut har bina-claim wale saal ke saath badhti jaati hai.

Do baatein jo bahut log nahi jaante:

1. Chhoti-chhoti cheezon ka claim karna mehnga sabit hota hai. Agar nuksaan chhota hai (jaise chhoti khraash), to us claim se milne wali raqam se zyada aap apna bonus gawa dete ho. Chhota nuksaan apni jeb se theek karwana aksar sasta hota hai.

2. Bonus aapka hai, gaadi ka nahi. Nayi gaadi lene par wo aapke saath jaata hai - bas usko transfer karwana yaad rakho.

Renewal - Ek Din Ki Chook Bhi Bhaari Hai

Policy ki tareekh nikal jaane par sirf cover hi band nahi hota - aapka no claim bonus bhi khatra me aa jaata hai.

Aur agar policy lambe samay se lapsed hai, to nayi policy lene se pehle bima company gaadi ka nirikshan maang sakti hai.

Isliye: renewal ki tareekh phone me alarm laga kar rakho. Ye ek minute ka kaam saalon ka bonus bachata hai.

Claim Ke Waqt - Ye Galtiyan Sabse Mehngi

1. Company ko turant suchit na karna. Har policy me suchna dene ki ek avadhi hoti hai; der karne par claim rad ho sakta hai.

2. Pehle poori marammat karwa lena, phir batana. Bina suchna diye kiya gaya kharch aksar nahi milta.

3. Chori me FIR na karana. Chori ke claim me FIR anivarya hoti hai.

4. Bina valid licence ke chalana. Us halat me claim rad ho sakta hai - aur ye sabse aam wajah hai.

5. Galat jaankari dena. Form me galat baat likhna claim ko poori tarah rad kar deta hai.

Kaunsi Policy Aapke Liye

Sirf third party kaafi hai agar:

• Bike bahut purani hai aur uski baazaar keemat bahut kam hai
• Us gaadi ka nuksaan aap apni jeb se utha sakte ho

Comprehensive lo agar:

• Bike nayi ya kuch hi saal purani hai
• Aap sheher me chalate ho jahan chori aur takkar ka khatra zyada hai
• Bike aapki rozi-roti ka zariya hai (delivery, kaam par aana-jaana)

Aur ek cheez zaroor dekho: kya policy me apne liye (owner-driver) ka personal accident cover shaamil hai. Ye chhoti si cheez sabse bade waqt kaam aati hai.

Bima ke aur bhi hisse hain jo saath me samajhne chahiye: Term Insurance Kya Hai aur Health Insurance Kaise Le.

Scam Se Bacho

"Bahut sasta insurance, turant policy" - jaali policy ka sabse aam jaal. Policy hamesha bima company ke apne portal ya adhikrit agent se lo.

"Cash de do, policy ghar bhej denge" - premium hamesha company ke khaate me jaata hai, kisi vyakti ke khaate me nahi.

Policy lene ke baad ek kaam zaroor karo: company ki official website ya app par apna policy number daal kar khud jaancho ki wo asli hai. Jaali policy ka pata haadse ke din chalta hai - aur tab bahut der ho chuki hoti hai.

"Claim pass karwa denge, commission do" - claim prakriya se pass hota hai, kisi bicholiye se nahi.

Thagi ho jaye to cybercrime.gov.in | 1930

FAQs

Q: Bike insurance kanoon se zaroori hai? A: Third party insurance anivarya hai. Uske bina sadak par gaadi chalana apraadh hai. Comprehensive vaikalpik hai.

Q: Third party aur comprehensive me kya fark hai? A: Third party me sirf doosre ka nuksaan milta hai; comprehensive me aapki apni bike ka nuksaan aur chori bhi shaamil hoti hai.

Q: IDV kya hota hai? A: Wo raqam jo bike chori hone ya poori tarah barbaad hone par milti hai. Ise kam karwa kar premium ghatana nuksaan ke din bhaari padta hai.

Q: No claim bonus kya hai? A: Bina claim wale saal ke badle agle premium par milne wali chhut - aur wo har saal ke saath badhti hai.

Q: Chhoti khraash ka claim karna chahiye? A: Aksar nahi - us claim se milne wali raqam se zyada aap no claim bonus gawa dete ho.

Q: Naye vehicle par lamba third party cover lena padta hai? A: Haan - naye two-wheeler par ek saath kai saal ka TP cover liya jaata hai. Apni policy me uski asli valid tareekh khud dekho.

Q: Policy expire ho gayi to? A: Cover band ho jaata hai aur no claim bonus bhi khatre me aa jaata hai; lambe lapse ke baad gaadi ka nirikshan maanga ja sakta hai.

Q: Claim kis wajah se sabse zyada rad hota hai? A: Der se suchna dena, bina valid licence ke chalana, chori me FIR na karana, aur form me galat jaankari.

Ye Bhi Zaroor Padhein

• Term Insurance Kya Hai - jeevan bima ka sahi roop
• Health Insurance Kaise Le - swasthya bima ka poora hisaab
• RC Transfer Online - gaadi bechte/khareedte waqt
• EMI Calculator - bike loan ki kist nikaalo
• Section 80D Health Insurance Tax - bima par tax chhut

Source: is page me kisi bima company ka naam, premium ki raqam, IDV ka aankda ya no claim bonus ka pratishat jaan-boojh kar nahi diya gaya - ye har company, gaadi aur saal me alag hote hain aur samay ke saath badalte rehte hain. Yahan jo dhaancha bataya gaya hai wo motor bima ki apni vyavastha par aadharit hai: third party bima kanoonan anivarya hai aur usme keval teesre paksh ko hue nuksaan ki bharpai hoti hai, apne vaahan ke nuksaan ki nahi; comprehensive policy me apne vaahan ka nuksaan evam chori bhi shaamil hoti hai; IDV wo raqam hai jo poore nuksaan ya chori ki sthiti me deya hoti hai; aur daava-rahit varsh par agle premium me chhut (No Claim Bonus) milti hai. Naye two-wheeler ki kharid par ek saath kai varsh ka third party cover lena hota hai - ye vyavastha 2018 ke uchchtam nyayalay ke aadesh se paanch varsh ki rahi hai, aur August 2026 me uchchtam nyayalay ne ise badha kar chhe varsh karne ka nirdesh diya, jise IRDAI ko lagu karna hai. Apni policy ki asli avadhi, cover aur shartein hamesha apne policy dastavez evam bima company se hi pakki karein.

Bhaiyon aur behno, ek baat jo haadse ke din samajh aati hai. Log sabse sasti policy le lete hain aur nishchint ho jaate hain ki "insurance to hai". Phir gaadi giri, ya chori ho gayi, aur pata chalta hai ki us policy me apni gaadi ka kuch tha hi nahi. Policy lete waqt do minute nikaal kar ye ek sawaal poochh lo - "isme meri apni gaadi ka nuksaan milega ya nahi?" Us ek sawaal ka jawab hi asli policy hai.

Page Last Updated: 10 August 2026