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In today’s article, you will know what is Vehicle Insurance? If you have a car, such as a car, auto, motor, bike or any other vehicle, it is very important to have insurance. Because we may have to bear the brunt of a lot of problems in the event of an accident, therefore it is as important to Insurance the car as it is to Insurance our own. In this article today, we will know about the insurance policy of vehicles and will also know which policy is beneficial for you. What is Vehicle Insurance? Vehicle insurance policy protects us from financial loss in any way. This happens by a contract between you and the insurance company. Under which there is an agreement in which you pay a premium, and in return the insurance company covers you in the event of an accident. Auto insurance company gives property, liability and medical coverage according to the agreement. Types of Vehicle Insurance There are two types of insurance of vehicles in India, one is Full Party Insurance and the other is Third Party Insurance. Third party insurance policy: In this type of insurance, if your vehicle gets an accident and at the time of the accident, the insurance company pays damages in case of damage to the driver, vehicle etc. of the other vehicle. Whereas, the company does not claim for any damage to you or your car. That is why it is called third party insurance. It is mandatory as per the third party Insurance motor act. Standard motor insurance policy: It is also called full party insurance. In this type of insurance, all types of damage due to accident, such as vehicle, driver, and people sitting in the vehicle, even people in the other vehicle and their car’s wear and tear, and the insurance company to compensate for the loss Gives. - Property coverage pays for any type of accident such as theft of car or auto or if the vehicle is damaged. - Liability coverage pays others for their legal responsibility for bodily injury or property damage. - Medical coverage pays for the costs of injuries, rehabilitation and treatment. Zero deprecation or cashless car insurance: If you have a four wheeler vehicle then cashless car insurance would be best for you. It is also called zero deprecation car insurance. In this type of Vehicle Insurance, in the event of any kind of accident, you can get any car garages listed by the insurance company without spending a rupee. This process is very fast and easy. There are many more benefits of this type of insurance. But the premium of cashless car insurance is 20% more expensive than other insurance policy. But you also get its benefits a lot. Cashless car insurance vs standard motor insurance: If you have a four wheeler, then I will advise you only for cashless car insurance (zero deprecation car insurance). Because after the accident in the insurance policy of another type, you take the action of claiming. Then the company sends the surveyor to inspect your loss, and then the inspector determines the amount of the claim. During this whole process a lot of your time is also lost and then you get the money for that claim. And sometimes the surveyor does not send full details of your loss so that you do not even get the full loss. Example: As if your loss was Rs.30000 and the insurance inspector feels during the survey that any deficiency in your car is before the accident and not due to the accident. In such a situation, suppose the loss of only Rs.20,000 was told to the company, then you will get only Rs.20,000 as a claim. That is, the waste of money along with the waste of time. While after making a claim in cashless car insurance, you get your car built by the insurance company in authentic car garages, then the insurance company pays for the entire cost. That is, the insurance company pays for the entire repair. And because this process is very fast, you save both time and money. Although this policy is a bit expensive than other policy, but you also get a lot of convenience. Read More: - Home Based Business Ideas - Business News Channel in India - What is a Mutual Fund - PI Network - FSSAI Full Form Disclaimer: I hope friends will definitely like the information given about the vehicle insurance, and if you have your own car and you are thinking of taking a policy, then this information will be very useful to you.
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काठमाडौं। नेपाल मोटर बीमा अनिवार्य छ। मोटर बीमा अन्तर्गत मोटरसाइकल, निजी सवारी साधन, कार, जीप, भ्यान, बस, माइक्रोबस ट्रक पर्दछन्। मोटर बीमाको सम्बन्धमा नेपाल सरकारले तेस्रो पक्षको बीमालार्इ अनिवार्य गरेको छ तर ब्यापक बीमालार्इ भने स्वेच्छिक राखेको छ। तेस्रो पक्ष बीमा गर्दा बीमितले आफुलार्इ भैपरि आउने दुर्घटनाबाट आफ्नै कारणले तेस्रो पक्षलार्इ हुने हानी बहन हुन्छ। यदि तेस्रो पक्ष मृत्यु भएको अङ्ग भङ्ग भएको शारिरिक चोटपटक लागेमा क्षतिपूर्ति तेस्रो पक्ष बीमाबाट हुन्छ। सवारी साधनको क्षमता, यात्रु वाहक क्षमताका आधारमा कम्पनीले मोटर बीमा तथा तेस्रो पक्ष बीमा गरेका हुन्छन्। चार पाङ्ग्रे निजि सवारी साधनको तेस्रो पक्ष बीमा गर्दा कति मुल्य बराबरको गाडिको प्रिमियम कति पर्छ ? टेवलमा देखाइएको मुल्यमा सवारी साधनको क्षमता (सिसी) अनुसार बीमा शुल्कमा फरक पर्न सक्छ। साथै सवारी साधनको लागि सिटका आधारमा पनि बीमा शुल्क फरक पर्न सक्छ। यसमा प्रति सिट ७ सय रुपैयाँ थप लाग्ने हुन्छ। गाडीको क्षमता १५ सय सिसीभन्दा माथि दुर्इ हजार रुपैयाँ अतिरिक्त लाग्ने हुन्छ। साथै माथिको मुल्यमा मुल्य अभिबृद्धि करले पनि फरक पार्न सक्छ। तेस्रो पक्षलार्इ चोटपटक लागेमा अङ्गभङग भएमा शरिरको क्षति अनुसार दुर्इ लाखदेखि पाँच लाख रुपैयाँसम्म क्षतिपुर्ती पाउने ब्यवस्था रहेको छ। तेस्रो पक्ष मानब क्षतिको तथा सम्पत्ति क्षतिको अधिकतम दायित्व ८० लाख रुपैयाँसम्म हुने गरेको छ। तेस्रो पक्षको मृत्यु भएमा पाँच लाख रुपैयाँको बीमा हुन्छ। मोटर साइकलको हकमा तेस्रो पक्षमात्र बीमा गर्दा अरु व्यस्था पनि छन्। निजी बीमा कम्पनीमा बीमा गर्दा एक हजार सिसी क्षमताभन्दा कम मोटर साइकलको तीन हजार रुपैयाँ प्रिमियम बुझाउनु पर्छ। साथै एक हजारदेखि १६ सयसम्मको लागि चार हजार र १६ सयभन्दा माथिको लागि ४ हजार रुपैयाँ तिर्नु पर्छ। जसमा थप भ्याट बुझाउनु पर्छ। यसको लागि कुनै कम्पनीले आफ्ना सर्भेयर मार्फत सर्भेक्षण गरेपछि दाबी भुक्तानी पाउँछन।