Kya Nayi Car Ka Insurance Dealer Se Lena Mandatory Hai?
Nahi, dealer se car insurance lena mandatory nahi hai. Nayi car lete waqt dealer aksar insurance bhi
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Car dealer se insurance lena optional hai, lekin Motor Vehicles Act, 1988 ke according public road par chalne wali har car ke liye valid motor insurance hona zaroori hai. Car insurance mainly 2 types ke hote hain:
Agar Dealer Insurance Lene Ke Liye Force Kare Toh Kya Karein?
Agar dealer kehta hai ki car ki delivery sirf usi ke through insurance lene par milegi, toh aapko ye baat accept karne ki zaroorat nahi hai. Aap ye steps follow kar sakte hain:
- Dealer ko batayein ki aap apni pasand ki insurance company se policy lena chahte hain.
- Apni policy ka valid insurance certificate dealer ko share karein.
- Agar dealer phir bhi delivery rokta hai, toh usse written reason maangein.
- Zaroorat padne par dealer ke against complaint raise karein.
Kya Better Hai, Car Insurance Online ya Dealer se?
Aap dealer se bhi car insurance le sakte hain aur khud online bhi khareed sakte hain. Dono options ke apne benefits hain, jo aap neeche di gai table me check kar sakte hain:
| Dealer se insurance |
Khud se online insurance |
| Car purchase ke saath insurance mil jata hai |
Aap alag se policy le sakte hain |
| Limited insurer options mil sakte hain |
Multiple insurers compare kar sakte hain |
| Dealer policy process mein help karta hai |
Aapko khud details check karni hoti hain |
| Premium aur add-ons dealer ke quote par depend karte hain |
Coverage aur premium ke hisaab se plan choose kar sakte hain |
Tip: Car insurance lene se pehle kam se kam 3-4 insurers ke quotes compare karein. Sirf premium nahi, IDV, add-ons, claim process aur cashless garages bhi check karein.
New Car Insurance Lete Waqt in Baaton Ka Dhyan Rakhein
Chahe aap dealer se car insurance lein ya online khareedein, policy lene se pehle ye points zarur check karein:
- IDV: IDV aapki car ki insured declared value (IDV) hai jiska effect car insurance premium aur total loss ya theft claim par padta hai.
- Add-ons: Zero depreciation, engine protection aur roadside assistance jaise add-ons apni zaroorat ke hisaab se choose karein.
- Cashless Garages: Check karein ki insurer ke network mein aapke area ke aas paas authorised service centres hain ya nahi.
- Claim Process: Insurance company ka Claim Settlement Ratio (CSR) aur claim support ko check karein.
- Policy Duration: New private cars ke liye 3-year third-party policy mandatory hai lekin own-damage cover ka policy period alag ho sakta hai.
