सबसे सस्ता Car Insurance: ₹2000 Se Shuru | Best Plans Compared

 

सबसे सस्ता और अच्छा Insurance policy 

Car insurance sasta kaise le? Third-party vs comprehensive ka fark, premium kam karne ke 4 jugaad aur best plans ki list. Claim reject na ho uske tips bhi.

Car ka insurance lena legal compulsion hai, lekin har saal premium dekh kar jeb halki lagti hai. Is post me mai aapko bataunga ki sabse sasta car insurance kaise le, konsa plan best rahega aur premium 40% tak kaise kam kare.

1. Third-Party vs Comprehensive Insurance - Kya Fark Hai?

Third-Party Insurance:

Ye IRDAI ka banaya hua base plan hai. Isko lena kanun se zaroori hai.

Price : ₹2,000 se ₹3,500 per year

Cover kya hota hai : Agar tumhari gaadi se kisi aur ki gaadi, property ya insaan ko nuksaan hota hai to uska kharcha ye company degi.

Kya nahi milta : Tumhari apni gaadi ka nuksaan, chori, aag, baadh kuch bhi cover nahi hota.

Kiske liye best : 5+ saal purani gaadi ya kam chalne wali second-hand gaadi.

Comprehensive Insurance:

Isme Third-Party + Own Damage dono cover hota hai.

Price : ₹8,000 se ₹25,000 per year. Gaadi ki IDV pe depend karta hai.

Cover kya hota hai : Accident, chori, aag, baadh, todfod. Dusre ka nuksaan + tumhara nuksaan dono.

Kiske liye best : New car, loan wali gaadi, ya 5 saal se kam purani gaadi.

2. Car Insurance Sasta Karne Ke 4 Pakke Jugaad

1. No-Claim Bonus Bachao : Agar saal bhar me claim nahi liya to agle saal 20% se 50% tak discount milta hai. Chote-mote ₹3,000-₹4,000 ke kaam apni jeb se karwa lo.

2.  Voluntary Deductible Lo : Claim ke time ₹5,000 ya ₹10,000 khud dene ko ready ho jao. Isse premium 25% se 35% tak kam ho jata hai.

3.  Online Policy Khareedo : Policybazaar, Acko, Digit jaisi website se direct lo. Agent ka 15% commission bach jayega. Hmaare taraf se koi bhi specific company kaa policy lene kaa guidance nhi hai aapko jo cheap or best lage aap online le lo. Ye ghar baithe baithe bhi purchase kiya jaa sakta hai.

4. ARAI Approved Anti-Theft Device : Car me GPS ya gear lock lagwao jo ARAI se approved ho. Ispe 2.5% ka fixed discount milta hai.

3. Saste Third-Party Insurance Plans Ka Comparison

IRDAI ke base rate ke hisaab se:

Engine Capacity Approx Yearly Premium

1000cc tak ₹2,094 se shuru

1000cc se 1500cc tak ₹3,416 se shuru

1500cc se zyada ₹7,897 se shuru

Note: Ye base premium hai. GST alag se lagega. Final price gaadi ki age aur company pe depend karta hai.

4. Konsa Add-On Lena Chahiye Aur Konsa Bekar Hai?

Zaroor Lena Chahiye:

1. Zero Depreciation Cover : Claim me plastic/rubber parts ka bhi 100% paisa milega. New car ke liye must hai.

2. Engine Protect Cover : Baarish me engine me paani chala gaya to ₹50,000-₹1 Lakh ka kharcha bach jayega.

3. Roadside Assistance : Raat me gaadi band ho jaye to free towing aur mechanic milega.

Avoid Kar Sakte Ho :-

Key Replacement, Consumables Cover, Tyre Protect. Inka premium zyada hota hai aur use kam hota hai.

5. Claim Reject Na Ho Uske Liye 3 Rule Yaad Rakho

1. Driving License : Jisne accident kiya uska license valid hona chahiye. Learner license pe akele chalana mana hai.

2. Drink & Drive Nahi : Alcohol ya drugs leke chalaya to company 1 rupee bhi nahi degi.

3. Time Pe Inform Karo : Accident ke 48 ghante ke andar insurance company ko call ya app se batana zaroori hai.

Conclusion :-

Agar gaadi purani hai aur budget kam hai to Third-Party insurance lelo. ₹2,000-₹3,500 me kaam ho jayega. Lekin agar gaadi nayi hai to Comprehensive + Zero Dep zaroor lena. Online compare karke kharidoge to ₹3,000 se ₹5,000 tak bachat ho jayegi.

FAQs :-

Q1. Kya 15 saal purani gaadi ka insurance hota hai?

Haan, Third-Party insurance sabhi gaadiyon ka hota hai chahe kitni bhi purani ho. Comprehensive mushkil se milta hai.

Q2. NCB kitne saal tak chalta hai?

Agar 90 din se zyada break ho gaya policy me to NCB zero ho jata hai. Usse pehle renew kara lo.

Q3. IDV kya hota hai?

Insured Declared Value. Matlab gaadi ki current market value. IDV jitni kam rakhoge premium utna kam hoga, lekin claim bhi utna hi kam milega.

Disclaimer :  Insurance lene se pehle policy ke documents aur terms & conditions dhyan se padh le. Sahi jaankari ke liye insurance company ya advisor se baat kare. Thank you 😊 

Aamaadmiauto