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Vehicle insurance


A car insurance policy earns No Claim Bonus (NCB) in the year when the policyholder makes no claim. This NCB starts at 20% and increases annually with every claim-free year up to a maximum of 50%. It directly translates into lower premium for the subsequent year.

IDV is the market value of your car which depreciates with time.

Add ons in comprehensive – –

Engine Protect or Machinery Breakdown cover, OD, zero dep, consumable protection, keylock protection, tyre protection, road side assistance (RSD)

insurance companies deduct a value from your claim before making the payout as they factor in standard depreciation, which is the loss in the value of car parts with time. “Zero depreciation add-on helps you receive the full claim without such deductions for depreciation,”

vehicles up to three to five years old are eligible for this cover and it is available for a maximum of two claims during the policy period.

The regulator revises premium rates every year after taking into account the number of claims made and loss ratio for insurers.
Motor TP cover is mandatory for all vehicles and covers liability arising from third party claims due to accidents.

IRDAI had hiked insurance premiums by 28% for most vehicle categories for 2017-18. The revised rates came into effect from April 1.

The hike in motor third party (TP) insurance premium was about 28% for cars in 1,000-1,500 cc and those exceeding 1,500 cc. The hike in rates for two-wheelers in the 75-150 cc category was 16.3%.

this commission structure is applicable only on premium charged towards ‘own damage’. Premium of comprehensive motor insurance policies has two components – third party and own damage.

Remember that there will be no commission on third party motor insurance cover for both 5-year two wheelers and 3-year four wheelers.

Premium of comprehensive motor insurance policies has two components – third party and own damage.

no commission on the first three years on third party portion of comprehensive policies.

commission structure is applicable only on premium charged towards ‘own damage’. ( OD )

Come September 1, there will be long term motor insurance policies available for policyholders.

In its recent circular, IRDAI has asked insurance companies to issue long term motor insurance policies having at least 5-year cover for two wheelers and 3-year cover for four wheelers.

IRDAI has introduced six new categories under long term motor insurance policies for your clients.

5-year third party insurance for two wheelers
3-year third party insurance for four wheelers
5-year comprehensive policy that comprises own damage cover for two wheelers
3-year comprehensive policy for four wheelers with own damage cover
Bundled policy with 1-year comprehensive and 5-year third party cover for two wheelers
Bundled policy with 1-year comprehensive and 3-year third party cover for four wheelers

 

 

Comply T & C by Govt of India, State Govts, UTS, SEBI, AMFI , RBI, NHB, IRDA, RERA and other authorities. Provide copy of AMFI, NISM, EUIN, IRDA, RERA and other relevant certificates.

 

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