Car Insurance - Sabse Sasti Policy Aksar Sabse Mehngi Sabit Hoti Hai, Aur Wo Pata Claim Wale Din Chalta Hai

Car Insurance Kaise Lein - Poora Tarika

Bhaiyon aur behno, car insurance kharidte waqt lagbhag sab log ek hi cheez dekhte hain - premium kitna hai. Aur wahi sabse badi galti hai:

Do policy ka premium ek jaisa ho sakta hai, par claim ke din milne wali raqam me zameen-aasman ka fark ho sakta hai.

Wo fark teen cheezon se banta hai: IDV, add-on aur claim ki shartein.

Do Tarah Ka Bima

Bina valid third party ke gaadi chalana apraadh hai. Nayi car kharidte waqt ek saath kai saal ka TP cover lena hota hai - ye vyavastha teen saal ki chali aa rahi hai (2018 ke faisle se), aur August 2026 me Supreme Court ne ise badha kar chaar saal karne ka nirdesh diya hai, jise IRDAI ko lagu karna hai.

Vyavharik baat: apni policy ke kaagaz me uski asli valid tareekh khud dekho - niyam badalte rehte hain, aapka dastavez pakka hai.

IDV - Claim Ka Sabse Bada Number

IDV (Insured Declared Value) wo raqam hai jo car chori hone ya poori tarah barbaad hone par milegi.

Agent aksar IDV ghata kar policy sasti dikhate hain. Wo us din tak achha lagta hai jis din gaadi wapas nahi aati.

Niyam: IDV apni car ki asli baazaar keemat ke aas-paas rakho. Har saal ye ghatta hai - wo samanya hai.

Add-On - Kaunsa Sach Me Kaam Ka Hai

Comprehensive ke saath kuch add-on milte hain. Sabse zyada kaam ke do:

1. Zero Depreciation (shoonya moolyahras). Aam claim me purzon ki ghisawat (depreciation) kaat li jaati hai - khaaskar plastic aur rubber ke purzon me, jahan katauti bahut zyada hoti hai. Zero dep add-on wo katauti hata deta hai.

Ye kiske liye: nayi ya kuch hi saal purani car ke liye ye aksar apne paise wasool kar deta hai.

2. Roadside assistance. Gaadi raste me band ho jaye to madad. Chhoti cheez hai, par lambi yatra karne walon ke liye kaam ki.

Aur ek cheez har policy me dekho: kya usme owner-driver ka personal accident cover shaamil hai.

Cashless Ka Asli Matlab

Log samajhte hain ki cashless matlab "kuch nahi dena padega". Sach ye hai:

Cashless sirf bima company ke apne network garage me milta hai - aur wahan bhi aapko apna hissa (deductible) aur wo cheezein jo policy me nahi hain, khud deni padti hain.

Isliye policy lene se pehle ye dekho: aapke sheher me us company ke network garage hain ya nahi. Sasti policy jiska koi garage aapke aas-paas na ho, mushkil ke din bekaar sabit hoti hai.

No Claim Bonus

Bina claim wale har saal agle premium par chhut milti hai, aur wo saal-dar-saal badhti hai.

Isliye chhota nuksaan claim karna aksar ghaate ka sauda hai - jitna milega usse zyada bonus chala jaayega. Chhoti khraash apni jeb se karwana zyadatar sasta padta hai.

Aur bonus aapka hai, gaadi ka nahi - nayi gaadi lene par use transfer karwana yaad rakho.

Claim Ke Waqt - Ye Galtiyan Sabse Mehngi

1. Der se suchna dena - har policy me suchna ki avadhi hoti hai.

2. Pehle 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 ya sharaab pee kar chalana - dono halat me claim rad ho jaata hai.

5. Commercial istemal chhupana - agar niji gaadi ka istemal vyavsayik roop se ho raha ho aur policy niji ki ho, to claim me dikkat aati hai.

Renewal Aur Gaadi Bechte Waqt

Renewal: tareekh nikalne se pehle karo - warna cover bhi jaata hai aur no claim bonus bhi khatre me aa jaata hai.

Gaadi bechte waqt: RC ke saath insurance bhi transfer karwana zaroori hai. Bahut log ye chhod dete hain, aur baad me purani gaadi ke haadse ki suchna unhi ke naam aati hai. Poora tarika: RC Transfer Online.

Bike Se Kya Fark Hai

Dhaancha wahi hai - third party anivarya, comprehensive vaikalpik, IDV aur NCB ka wahi niyam. Fark do jagah hai: car me add-on ka daayra bada hota hai (zero dep, engine protection jaise), aur premium ka star alag hota hai.

Dono ka poora hisaab: Bike Insurance Kaise Le.

Scam Se Bacho

"Bahut sasti policy, turant issue" - jaali policy ka sabse aam jaal.

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

Policy lene ke baad: company ki official website/app par policy number daal kar khud jaancho. Jaali policy ka pata haadse ke din chalta hai.

"Claim badhwa denge, garage se setting hai" - inflated claim bima dhokhadhadi hai, aur uska natija claim rad hone se aage tak jaata hai.

Thagi ho jaye to cybercrime.gov.in | 1930

FAQs

Q: Car insurance me third party zaroori hai? A: Haan, kanoonan anivarya hai. Comprehensive vaikalpik hai par usi me aapki apni car ka nuksaan milta hai.

Q: IDV kya hota hai? A: Wo raqam jo car chori hone ya poore nuksaan par milti hai. Ise ghata kar premium kam karwana claim ke din bhaari padta hai.

Q: Zero depreciation add-on kya karta hai? A: Claim me purzon ki ghisawat ki katauti hata deta hai - nayi ya kuch saal purani car me ye aksar faayde ka hota hai.

Q: Cashless ka matlab kuch nahi dena? A: Nahi. Cashless sirf network garage me milta hai, aur wahan bhi apna hissa aur policy se bahar ki cheezein khud deni hoti hain.

Q: Chhota nuksaan claim karna chahiye? A: Aksar nahi - no claim bonus ka nuksaan claim se zyada baith jaata hai.

Q: Nayi car par lamba TP cover lena padta hai? A: Haan - nayi car par ek saath kai saal ka third party cover liya jaata hai; apni policy me uski asli tareekh dekho.

Q: Gaadi bechte waqt insurance ka kya karein? A: RC ke saath insurance bhi transfer karwao - warna baad ki zimmedari aapke naam par aa sakti hai.

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

Ye Bhi Zaroor Padhein

• Bike Insurance Kaise Le - two-wheeler ka poora hisaab
• RC Transfer Online - gaadi bechte/khareedte waqt
• Term Insurance Kya Hai - jeevan bima ka sahi roop
• Health Insurance Kaise Le - swasthya bima
• EMI Calculator - car loan ki kist

Source: is page me kisi bima company ka naam, premium, IDV ya add-on ki keemat jaan-boojh kar nahi di gayi - ye har company, gaadi aur saal me alag hoti hai. 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 ka nuksaan milta hai; comprehensive me apne vaahan ka nuksaan evam chori shaamil hoti hai; IDV poore nuksaan ya chori par deya raqam hai; zero depreciation add-on claim me purzon par lagne wali ghisawat ki katauti hata deta hai; cashless suvidha bima company ke network garage tak seemit hoti hai; aur daava-rahit varsh par No Claim Bonus milta hai. Nayi car ki kharid par ek saath kai varsh ka third party cover lena hota hai - ye vyavastha 2018 ke uchchtam nyayalay ke aadesh se teen varsh ki rahi hai, aur August 2026 me uchchtam nyayalay ne ise badha kar chaar varsh karne ka nirdesh diya, jise IRDAI ko lagu karna hai. Apni policy ki avadhi, cover aur shartein hamesha apne policy dastavez se hi pakki karein.

Bhaiyon aur behno, ek baat imaandaari se. Insurance wo cheez hai jiski keemat aap kharidte waqt dekhte ho, par uska asli mol us din pata chalta hai jis din gaadi ko kuch ho jaye. Us din koi ye nahi poochhta ki aapne premium me kitna bachaya tha - us din sirf ye dekha jaata hai ki policy me kya likha tha. Do hazaar bachane ke chakkar me do lakh ka jokhim mat lo.

Page Last Updated: 10 August 2026