Jeb Par Bhaari Thard Party Inshyoreins

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Jeb Par Bhaari Thard Party Inshyoreins

inshyoreins reguletari end development athauriti (irada) ne 1 April 2013 se thard party motor inshyoreins ke premium ki nai darein laagoo kar di hain, jo pichhle saal ke mukaabale 20 feesadi tak jyaada hain. In badlaavon ke baar mein vistaar se bata rahe hain pramod rai: Inshyoreins aur transport sector ke jaankaaron ka kehna hai ki vah din bhi door naheen jab har saal rivaaij hone vaala premium poori tarah market linkd ho jaaega aur aapki baaik, car ya kisi anya vaahan ka beema kharch kai guna badh jaaega. Thard party premium aapke kul motor inshyoreins kharch ka ek chhota hissa hota hai, jiske rate ab tak sarkaar tay karti I hai. Yah akela faaineinshal praudakt hai, jise lena kaanoonan anivaarya hai. Aaie najar daalein iski kai baareekiyon par-kya hota hai thard party inshyoreins baaik, car, truck ya kisi bhi motor inshyoreins ke do bhaag hote hain: Thard party kavar aur on daimej kavar. Agar aapki gaadi se takaraakar kisi ki jaan-maal ka nuksaan ho jaae to usaki bharpaai thard party kavar se hota hai. On daimej kavar, aapki apni gaadi ya khud ke nuksaan ki bharpaai ke liye hai. Donon inshyoreins milaakar kaumprihainsiv kavar kahalaata hai. Agar koi on daimej kavar na le to bhi use thard party taakatavar kaanoonan har haal mein lena hota hai. Iska premium gaadi ke model, power (CC), keemat aur kai anya cheejon par nirbhar karta hai. Kyon mahanga ho raha premium thard party mein beema companiyon ka loss reshyo 150 se 200 feesadi tak hota raha hai. Yaani har 100 rupae ke premium kalekshan par unhein 150 se 200 rupae tak ka bhugataan karna padta hai. Pichhle kai saal se ve sarkaar par rate badhaane ka dabaav daalati rahi hain. Pichhle saal irada ne companiyon ka thard party pool system khatm kar har saal market rate ke mutaabik premium tay karne ka faisala kiya. Tairif edavaaijari committee ki sifaarishon aur industry ki demand ke mutaabik 1 April se rate 38 feesadi tak badhna tha, lekin virodh ke baad aur court ke nidersh ke chalte alag- alag slaib mein 20 feesadi tak hi badhaaya gaya. Jaisi gaadi, vaisa preemiyma1000 CC tak ki car ka thard party premium (teepeepi) 2013-14 ke liye 941 rupaye ho gaya hai, jo 2012-13 mein 784 rupaye tha. 1000 se 1500 CC ke beech ki kaaron ka 925 rupaye se badhkar 1110 rupaye aur isse jyaada CC ki kaaron ka premium 3424 rupaye ho gaya hai, jo pichhle saal 2853 rupaye tha. Isi tarah 75 CC tak ki baaik ka teepeepi 414 rupaye, 75-150 CC 422 rupaye, 150 se 350 CC 420 rupaye aur isse jyaada power ki baaik ka premium 804 rupaye ho gaya hai. Kamarshal vaahanon ka premium bhi bhaar kshamata ke mutaabik 15000 rupaye tak badha hai. Ye rate 31 March 2014 tak ke liye hain, lekin jaankaaron ka kehna hai ki May-June mein thard party beema se jude kuchh aur aham faisale hone hai. Sambhav hai sarkaar rate par apna niyantran aur ghataakar ise baajaar ke havaale kar day. Ek anumaan ke mutaabik aisi sthit mein premium maujooda daron se 40 se 50 feesadi tak badh jaaenge. Lekin saath hi market treind ke mutaabik kai gaadiyon par darein ghat bhi sakti hain. Jeb par kitna bojh aapke kul motor beema kharch yaani kaumprihainsiv premium mein thard party premium ki hissedaari ausatan 10 se 15 feesadi hoti hai, jabki 85 se 90 feesadi rakam on daimej kavar premium ke taur par jaati hai, jo aapki apni kshatipoorti ke liye hota hai. Aise mein teepeepi mein 20 feesadi ijaafe ka aapke kul premium par lagbhag 2 feesadi hi asar huaa. On daimej premium ki darein aapki beema company tay karti hai. Ye darein bhi gaadi ki keemat, risk, driving haibit, eksideintal record aur kai anya cheejon par nirbhar karti hain. Kitni hoti hai bharpaai ki rakam thard party coverage mein do tarah ki coverage hoti hai- injari aur prauparti daimej. Mrutyu ya chot lagne ka muaavaja aam taur par motor klem eksideint tribunal mein tay hota hai, jiski koi limit naheen hai. Praupati daimej ki seema 7.5 lakh rupaye tak hai. Kaise ghataaen coverage ki laagat-thard party premium mein aapka kharaab eksideintal record aur risk mahanga pad sakta hai, lekin behtar record par diskaaunt ka chaans bhi naheen hai. - beema laagat ghataane ki asli gunjaaish beema ke doosare part yaani on daimej premium mein hoti hai. -jyaadaatar companiyaan online paulisi day rahi hain, jiska premium 15 se 20 feesadi sasta hota hai. -kai companiyaan ekstra risk coverage vaale rider deti hain, jiska kharch maamooli hota hai. -aaseeaaiseeaai lombaard 8-10 feesadi ekstra premium par 30,000 rupae tak ke ilektrikl aur naun ilektrikl eksesareej ka daimej kavar deti hai. -Bajaj aaliyaanj aur kai anya companiyaan klem mein share ke badle premium mein diskaaunt deti hai. - sef driving rikaard aur no klem bonas ke dam par bhi aap achha khaasa diskaaunt haasil kar lete hain. Yah bonas puraani gaadi se nai gaadi par traansafarebal bhi hota hai. -gaadi mein sefti divaaisej lagaakar, automobile association ki meinbaraship lekar, lauyalati diskaaunt klem karke bhi aap beema ki laagat kuchh kam kar sakte hain. Kya naheen hota kavar- makainikl aur ilektrikl brekadaaun-kisi aise shakhs ka ya uske dvaara daimej, jiske paas vailid driving license na ho. - sharaab ya drags ke sevan vaale vyakti ka ya uske dvaara kiya gaya daimej. - yuddh, vidroh ya nyookliyr risk mein. - limiteshans of yooj ke ullanghan par yaani agar parsanal car ka istemaal taxi ke taur par ho raha ho tab. Klem gaaideins- apne inshyoreins riprejeintetiv ya company ko ghatna ki soochana jald se jald dein. - inshyoreinsh company klem ke pehle ghatna ka saboot maangati hai. -FIR, meinteneins bill, medical bill jaroor lein. -inshyoreins company ko jaanch karne ka mauka dein.

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