Mani Management

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Mani Management

thard party premium ghataane ke first class tareeke thard party inshyoreins mahanga ho gaya hai. Mahange ho chuke thard party inshyoreins se jeb par padne vaale bojh ko agar aap kam karna chaahate hain to kuchh tareeke apna sakte hain. Aise hi tareekon ki jaankaari de rahe hain sanjeev sinha : Apni gaadi ka inshyoreins karaane ke liye ab aapko aur jyaada jeb dheeli karni hogi, kyonki 1 April se gaadi ke thard party laayabiliti coverage ka premium 20 feesadi tak badh gaya hai. Iska matlab yeh hua ki is faainainshal iyar mein jab aap apni gaadi ka inshyoreins rinyoo karaane jaaenge to aapko pichhle faainainshal iyar ki tulana mein jyaada paise chukaane honge. Yeh baat nai gaadi ke inshyoreins par bhi laagoo hoti hai. Yeh baat alag hai ki sabhi tarah ki gaadiyon ka premium samaan roop se naheen badha hai. Masalan private gaadiyon ka thard party inshyoreins ka premium agar 20 feesadi badha hai to dupahiya vaahanon ke thard party inshyoreins ke premium mein 10 feesadi ka ijaafa kiya gaya hai. Kamarshal veeikalon ke thard party laayabiliti coverage ke preemiymon mein bhi kuchh bhinnata dekhne ko mili hai. Udaaharan ke taur par kamarshal veeikalon ke kuchh segmeints mein jahaan premium 20 feesadi tak badha hai, vaheen kuchh anya segmeints ke premium mein 10 feesadi ki kami bhi dekhne ko mili hai. Jyaada chinta naheen jaankaaron ka maanana hai ki gaadiyon ke thard party inshyoreins ke premium mein yeh badhotri jyaada chinta ki baat naheen hai, kyonki kul motor premium mein thard party premium ki hissedaari jyaada naheen hoti, isliye 20 feesadi ki badhotri gaadi maalikon ki jeb par jyaada asar naheen daalegi. Misaal ke taur par agar aapki car ki engine kapaisiti 1000 CC se kam hai to aapka thard party premium pichhle saal ke premium ke mukaabale 188 rupaye hi jyaada hoga. 1000 CC se 1500 CC ki engine kapaisiti ki car jaise new honda city ke premium mein 222 rupaye ki badhotri hogi. Aur 1500 CC se jyaada engine kapaisiti se jyaada ki kaaron mein aapko 685 rupaye jyaada dene honge. Jaahir hai, kaaron ke thard party inshyoreins ke premium mein badhotri koi jyaada chinta ki baat naheen hai. 1000 CC se kam ki car premium 188 rupaye jyaada 1000 se 1500 CC ki car premium 222 rupaye jyaada 1500 CC se jyaada ki car premium 685 rupaye jyaada aise kam karein premium kansyoomar apni soojhaboojh ka istemaal karke aur visheshagyon dvaara bataae gaye sujhaavon ka paalan karke inshyoreins premium mein hone waali badhotri se ek had tak chhutakaara pa sakte hain ya uske prabhaav ko kam kar sakte hain. - apni gaadi ke inshyoreins premium ko kam karne ke liye aapko sahi tareeke se driving karne ki aadat daalani chaahiye. Chhoti - moti cheejon ke liye klem karne se bachana chaahiye. Isse har saal aapko no klem bonas ka faayda milta rahega aur premium kam rakhane mein madad milegi. - on daimej premium par vaulantari didktibls ka chunaav karke bhi aap apne premium ke bojh ko kam kar sakte hain. Is vikalp mein sambandhit klem par aapko kuchh paise kharch karne padte hain aur baaki ka kharch beema company uthaati hai. - iske alaava premium kam karne ke aur bhi kai tareeke hain : Jaise car mein anti theft divaais lagavaana ya inshyoreins vailyoo kam dikleyar karna. In sabhi tareekon ke apne faayde aur nuksaan hain , jin par poori tarah gaur kiye bina amal mein laana sahi naheen hai. Masalan , gaadi mein anti theft divaais lagavaana faayademand ho sakta hai , lekin gaadi ki inshyoreins vailyoo kam dikleyar karna kabhi - kabhi aapke liye mahanga saabit ho sakta hai. Isliye jo karein , sochasamajhakar karein. Bikri par asar ! Fyool kaust , byaaj dar aadi mein badhat ke chalte car ki onaraship kaust lagaataar badh rahi hai. Ab thard party inshyoreins ke premium mein hui yeh badhotri onaraship kaust ko aur prabhaavit karegi. Laung - tarm mein iska asar gaadiyon ki bikri par bhi dekhne ko mil sakta hai. Vijay Kumar , motor inshyoreins head , Bajaj aaliyaanj general inshyoreins kya hai thard party inshyoreins thard party inshyoreins ya thard party laayabiliti kavar motor vaahan adhiniyam ke tahat ek kaanooni jaroorat hai. Sabhi tarah ki gaadiyon ke thard party laayabiliti coverage ka nirdhaaran irada dvaara har saal kiya jaata hai. Ise thard party inshyoreins isliye kehte hain , kyonki is paulisi ka laabhaarthi kautraikt mein shaamil do pakshon yaani car maalik aur inshyoreins company ke alaava koi doosra vyakti hota hai. Yeh paulisi inshyoreins le rahe vyakti ko kisi tarah ka faayda naheen pahunchaati. Lekin agar car se kisi teesare paksh ki prauparti ka nuksaan hota hai , usaki maut ho jaati hai ya viklaangata ki sthiti mein aa jaati hai to car ke svaami ko use kaanoonan jo harjaana dena hoga , vah is paulisi mein kavar hota hai. Yeh kavar naheen hota - jaahir hai ki thard party car inshyoreins paulisi beemaadhaarak ki car ko hone vaale kisi bhi nuksaan ko kavar naheen karti. - beemaadhaarak ki gaadi ya usamein rakhe gaye saamaan ki chori ya nasht hone ki dasha mein bhi yeh paulisi koi suraksha pradaan naheen karti. - yeh paulisi teesare paksh ko hone vaale nuksaan ke liye hi jimmeda r hai.

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