Super boss....., Super ஏதேனும் மூன்று வாகனங்களின் insurance policy எடுத்துக்கொண்டு குறைபாடு, எச்சரிக்கை மற்றும் வித்தியாசம் முக்கிய குறிப்பு பற்றி முழு காணொலி இதை போன்று பதிவிடவும். நன்றி
third party definition is wrong. Owner or Driver is not covered under Third party insurance. For Driver we have to pay extra premium and for owner we have to take Personal Accident cover. Really there are two policy namely Comprehensive and Third party.
காவல்துறையின் வழிப்பறியில் இருந்து தப்பிக்கவே வாகனத்துக்கு இன்சூரன்ஸ் எடுக்க வேண்டிய கட்டாயம்... என் வாகனத்துக்கு இன்சூரன்ஸ் claim செய்ய நான் பட்ட பாடு கடவுளுக்கு தான் தெரியும்... இன்சூரன்ஸ் கம்பெனி எண்ணம் என்னவென்றால் பணம் கொடுக்க கூடாது...
Bro very much Thanks to you & Mr.Rajesh. Such an informative video, also expecting this one for long time.... (Similarly post a video for RTO related processes like, Applying LLR, DL, Name Transfer & Requirements, FC Clearing, Road Tax.. etc).
Yes very informative. Regarding taking insurance for new car from outside the Delear needs more information. Delear insurance is very costly? Should we go to corporate insurance company?
அருமையான விளக்கம். என் கார் 2010 ல் வாங்கியது. ஓரு dog மீது மோதியதில் ட்டீங்கரிங் குக்கு insurence 15 ஆயிரம் எடுத்தோம். நான் புது கார் எடுக்கும் போது இந்த insurence கழிக்க படுமா. No கிளைம் இன்சூரன்ஸ் என்பதால். புது காருக்கு பழைய insurence cover செய்ய என்ன செய்யலாம்
I planned to research this topic weeks back u r video made to learn everything ☺️ if any questions come to my mind i comment please do video sir very helpful.
thanks sir. also pls tell us how many years we need to buy the Bumper to Bumper insurance for a car. . after 5 years, can we stop buying that . should we keep only TP insurance alone?
Such an informative video. Not sure such one exists in Tamil. Thank you for taking time to put up such a video. Next video request would be, since you started brother about NoC. Can that be explained? Like how long a vehicle can be driven in another state and how to tackle govt authority if questions are asked. 2ndly, another video regarding changing color of vehicle will also be nice.
New car yeduthu , owner sencha mistake naala small scratches and dents vilunthutuna athuku yenna pannalam athula insurance cover aguma . Adutha video ku collect la vachikoga bro
Hi sir! Both of your information are valuable for us sir.One thing sir (ivlo vishayatha theliva soliteenga abdey Endha Insurance company neenga sonna mari ella add on's um provide pandranga nu solla mudiyuma sir?)
Sir thank you . Onga video, enga kitta vandu seradrukku you are taking good effect and very usefull, very good info for all vehicle user... Thank you.sir. keep your work continue and all the best sir...
sir very nice video. i have a query, if someone hit my vehicle where am not in mistake,is there a way to claim from the other car's insurance instead of my insurance which impacts my NCB
Super coverage, 👌 most of my long time queries are answered. I was recollecting the times during floods in chennai, salvage was the biggest burden on insurance companies as total loss was declared on most of the cars. For minor accidents were FIR is not required, on the spot snaps can help surveyor as I had a highway accident experience
Good video. But a simple question: If a small accident occurs and there is damage to the car, so the owner go with a heated argument/fight about recovering the damage amount or pardon the person and go to the dealer/workshop for repair and recover through insurance?
Nice query ... You know about our traffic conditions ... I basically pardon the person and wait till the year end ... 1/2 month before the policy renewal replace/repair the damaged part using insurance ... 🤷♂️😀
Super info, Thanks Birla & Rajesh. Would be helpful if video has timelines marked, this video will be useful resource which we can save to our playlist and revisit anytime needed. Thankyou
Nice information, how it is possible surrender the two keys time of theft to claim the total loss? And if we buy a new car we get 1 year nil depreciation and 3 years third party insurance. Please suggest it is mandatory to renewal the next for same insurance or we can change the insurance company?
buying a new car with 3 rd party insurance covering of 3 years -after 1 st year we are changing insurance company ...... after 2 years accident happens to 3 rd partty means ,,,, which insurance company will responsible for the case ........
Good one sir. In case if we are exchanging our vehicle in a showroom, and if the ownership name transfer is not done even after few months, what should we do ?
@@psenthilkumar2533 TP claim means? I have just got the receipt from the dealer that they have taken over the vehicle on so and so date and time. Is this enough? I could see the vehicle is still in my name only.
@@rajappasubramanian The vehicle may be used by someone else and made a Third-party injury/death. If there is no insurance for the said vehicle on date of Accident, the owner of the vehicle is held responsible for the said Third-party liability claim made by the injured or legalheir of the deceased through court. It recommended to check the vehicle has been transferred.
supr bro ver informative… in my case en wife name tha car insurance iruku but am driving the vehicle. intha situation la NCB cover aaguma…? when we renew the insurance
Sir it's a wonderful idea u put this topic, that unlimited claim details discussed but how to find in insurance copy. And thaku for this effect ,keep going sir
How can we classify as small accident or big? When we call toll-free what are the questions asked? On the spot if we fell unconscious and didn't make call to insurance what's next?
Bro, Thanks you Very much for very useful video. Bro, If we add another type of fuel system, say Petrol while purchasing and add on with CNG, how will affect the insurance, and what is required to be done with Insurance company. Can you include in your next video pl? All the best for your subsequent video .
புதுசா எந்த வண்டி வாங்குனாலும் அந்தந்த விற்பனை மையத்திலேயே காப்பீடு செய்து கொள்வது புத்திசாலித்தனம்.குறிப்பாக உத்திரவாத கால அளவு முடியும் வரை அங்கயே புதுப்பித்துக் கொள்ளவேண்டும்
If we do any claim in insurance, will the next time premium gets changed? (Basically want to understand the unknown side-effects of making an insurance claim).. can you please clarify @birla sir ?
Awesome Video bro, mostly all questions were answered. I have one more question bro. Is there any cover for Rat bites on any car parts and animal damages like parked car was damaged by any animals (Bulls, Wild Boar, Deer etc) or hitting any animals on road. Also how to claim a damage caused by animals.
SIR, If it is inbuilt with the version of car, it is automatically covered. If it is an add on accessories, it can be covered with separate Sum Insured.
Sir, Thanks for the very good info. Have one clarification, after buying new car, if we fit any accessories in outside shop, will it affect anyway in Car insurance policy during any claim, especially the consumables, if so, what type of accessories change will affect this.
Have a query. say i have a comprehensive insurance. while driving, another car came and hit my car and my car is damaged. can i make the other person's insurance to pay for damage of my car.
Bro.. thank you very much,🎉🎉 most of the information is covered, very useful to me, if you may collect additional points, please post the same kind of video
Super boss....., Super
ஏதேனும் மூன்று வாகனங்களின் insurance policy எடுத்துக்கொண்டு குறைபாடு, எச்சரிக்கை மற்றும் வித்தியாசம் முக்கிய குறிப்பு பற்றி முழு காணொலி இதை போன்று பதிவிடவும். நன்றி
Video coverages
All type of Insurance coverages...
Best episode ever before...
third party definition is wrong. Owner or Driver is not covered under Third party insurance. For Driver we have to pay extra premium and for owner we have to take Personal Accident cover. Really there are two policy namely Comprehensive and Third party.
Yeah third party is for other vehicles if damaged by accident.. for driver or owner personal coverage we need to take i guess
Third party for other vehicles. Own damage , personal accident Insurance ( PAI) passenger (paid Driver with known person and without person)
You are right sir
Correct anna
Yes you are right
Hats off for birlas uncle...answering is easy but asking the question properly and effectively is difficult....thankyou very much uncle....
காவல்துறையின் வழிப்பறியில் இருந்து தப்பிக்கவே வாகனத்துக்கு இன்சூரன்ஸ் எடுக்க வேண்டிய கட்டாயம்... என் வாகனத்துக்கு இன்சூரன்ஸ் claim செய்ய நான் பட்ட பாடு கடவுளுக்கு தான் தெரியும்... இன்சூரன்ஸ் கம்பெனி எண்ணம் என்னவென்றால் பணம் கொடுக்க கூடாது...
Claim கிடைத்ததா?
Everyone to sale the insurance then once raise the claim they search to reject that. It my experience
Bro very much Thanks to you & Mr.Rajesh. Such an informative video, also expecting this one for long time.... (Similarly post a video for RTO related processes like, Applying LLR, DL, Name Transfer & Requirements, FC Clearing, Road Tax.. etc).
Good massage, long time thirsty cleared, thank you so much.
Yes very informative.
Regarding taking insurance for new car from outside the Delear needs more information.
Delear insurance is very costly?
Should we go to corporate insurance company?
அருமையான விளக்கம். என் கார் 2010 ல் வாங்கியது. ஓரு dog மீது மோதியதில் ட்டீங்கரிங் குக்கு insurence 15 ஆயிரம் எடுத்தோம். நான் புது கார் எடுக்கும் போது இந்த insurence கழிக்க படுமா. No கிளைம் இன்சூரன்ஸ் என்பதால். புது காருக்கு பழைய insurence cover செய்ய என்ன செய்யலாம்
Thanks to Rajesh sir and Birla sir. Awesome video. Must watch for all car owners
@16:10 Loan quote including insurance quote obtained outside of dealer is also acknowledged from a financial institution.
I planned to research this topic weeks back u r video made to learn everything ☺️ if any questions come to my mind i comment please do video sir very helpful.
thanks sir. also pls tell us how many years we need to buy the Bumper to Bumper insurance for a car. . after 5 years, can we stop buying that . should we keep only TP insurance alone?
Such an informative video. Not sure such one exists in Tamil. Thank you for taking time to put up such a video.
Next video request would be, since you started brother about NoC. Can that be explained? Like how long a vehicle can be driven in another state and how to tackle govt authority if questions are asked.
2ndly, another video regarding changing color of vehicle will also be nice.
New car yeduthu , owner sencha mistake naala small scratches and dents vilunthutuna athuku yenna pannalam athula insurance cover aguma . Adutha video ku collect la vachikoga bro
Extremely informative and Much appreciate the honesty in sharing information, much needed content in your channel. Thanks Birlas Parvai
@20:21 if NTC is delayed, then go for expedite investigation through court
Once I went for door scratch repair.
But the color was different form the cat colour.
It's a close match but can spot difference.
Hi sir! Both of your information are valuable for us sir.One thing sir (ivlo vishayatha theliva soliteenga abdey Endha Insurance company neenga sonna mari ella add on's um provide pandranga nu solla mudiyuma sir?)
Differently abled person ku own damage la 50% than itha pathi solli irunthal nandraga irukum
Sir nil depreciation insurance pathi detailed fullah oru video podunga all those add ons and other things
Very detailed interview and great explanation by Mr Rajesh
Wow sir.. impressed with your points in discussion.Useful
Sir thank you . Onga video, enga kitta vandu seradrukku you are taking good effect and very usefull, very good info for all vehicle user... Thank you.sir. keep your work continue and all the best sir...
sir very nice video. i have a query, if someone hit my vehicle where am not in mistake,is there a way to claim from the other car's insurance instead of my insurance which impacts my NCB
Super coverage, 👌 most of my long time queries are answered. I was recollecting the times during floods in chennai, salvage was the biggest burden on insurance companies as total loss was declared on most of the cars. For minor accidents were FIR is not required, on the spot snaps can help surveyor as I had a highway accident experience
Suuuper
Such a hard core useful details i got all answers in one video
Thank you , very informative
Worth spending time
Very useful video. Thanks for your efforts..
To me it is an excellent explanation about car insurance. I learned a lot about car insurance.
Good video. But a simple question: If a small accident occurs and there is damage to the car, so the owner go with a heated argument/fight about recovering the damage amount or pardon the person and go to the dealer/workshop for repair and recover through insurance?
Nice query ... You know about our traffic conditions ... I basically pardon the person and wait till the year end ... 1/2 month before the policy renewal replace/repair the damaged part using insurance ... 🤷♂️😀
Thanks a lot sir, very useful video, no one explains to this level. Thanks a lot for your efforts sir.
Useful information, Thank you brother.. Make new video about vehicle FC & Name transfer process..
Very much informative video and it's really appreciated. Normal people like us get more info from your videos. Please keep up the good work.
Super info, Thanks Birla & Rajesh. Would be helpful if video has timelines marked, this video will be useful resource which we can save to our playlist and revisit anytime needed. Thankyou
very useful...learn many things from this video👌
Ur efforts are always worthfull....ur great sir...
Very useful information ... Truly appreciate you both ... Kudos 👍👌
Sir could you please tell the best insurance company in the market🙏
Sir, thank you very much for all the info. But your explanation of third party needs to be clear.
Birla sir, yours video is awesome. please put a video on what to do when cars clutch fails. How to drive to nearest car shop with failed clutch.
Toe panavum
அருமை
You would have approached me for this topic... Working for an insurance company over 10 years and holding fellowship in insurance...
You also would be saying the same things only right 😁
Amazing effort from you and Rajesh patiently answered all your/our questions. Thank you and keep inspiring us by your great work 🙂👍
Very useful to know detail on car insurance. It helps to make right decision to choose right insurance for vehicle.
Nice information, how it is possible surrender the two keys time of theft to claim the total loss?
And if we buy a new car we get 1 year nil depreciation and 3 years third party insurance. Please suggest it is mandatory to renewal the next for same insurance or we can change the insurance company?
Nice one, Rajesh 👍 best explanation. Thanks bro!
Main point is 50% NCB can be applied for the new vehicle purchase insurance by the Seller/owner. 26.00 is must watch
If we don't sell old vehicle but buy a new vehicle, is NCB applicable for the new vehicle from Day-1? Please clarify. Thank you.
If it is taking a long time for RC cancellation, what to do ?
Very useful video. Appreciate your efforts Birla
Need details about normal Comprehensive coverage ?
sir d-cut steering vs round steering needs sollunga sir, why we need those shapes
Google it
buying a new car with 3 rd party insurance covering of 3 years -after 1 st year we are changing insurance company ...... after 2 years accident happens to 3 rd partty means ,,,, which insurance company will responsible for the case ........
CSR means community service register,FIR means First Information Report
Good one sir. In case if we are exchanging our vehicle in a showroom, and if the ownership name transfer is not done even after few months, what should we do ?
Cant claim own damages
Please make it sure it was transferred and have some proper proof of transfer else in case of a TP claim in future you will be held responsible.
@@psenthilkumar2533 TP claim means? I have just got the receipt from the dealer that they have taken over the vehicle on so and so date and time. Is this enough? I could see the vehicle is still in my name only.
@@rajappasubramanian The vehicle may be used by someone else and made a Third-party injury/death. If there is no insurance for the said vehicle on date of Accident, the owner of the vehicle is held responsible for the said Third-party liability claim made by the injured or legalheir of the deceased through court.
It recommended to check the vehicle has been transferred.
Very nice explanation... Thanks sir. Wich insurance company best for car
supr bro ver informative… in my case en wife name tha car insurance iruku but am driving the vehicle. intha situation la NCB cover aaguma…? when we renew the insurance
can you post a part II, which explains about, what is Add on, what benefit it will give
Sir it's a wonderful idea u put this topic, that unlimited claim details discussed but how to find in insurance copy. And thaku for this effect ,keep going sir
As per government irda rule customer can renew motor insurance wherever.i think he is delar person promting dealer insurance only.
How can we classify as small accident or big? When we call toll-free what are the questions asked? On the spot if we fell unconscious and didn't make call to insurance what's next?
Heavy vehicles driving judgement half clutch method sollunga sir
Bro, Thanks you Very much for very useful video.
Bro, If we add another type of fuel system, say Petrol while purchasing and add on with CNG, how will affect the insurance, and what is required to be done with Insurance company. Can you include in your next video pl? All the best for your subsequent video .
thanks to both of you ...got an idea of insurance in detail
Thanks to Birla bro and Rajesh bro for this information
Arumaiyana pathivu sir thx u so much
Thank you so much for this informative video
Is it possible to get Return to Invoice cover later on in subsequent years, if missed to take on the first insurance?
Super sollirukiga bro tq
Thank you for detailed insurance reviews 🎉🎉🎉
Thanks sir. Nice one
Great Bro!!! Very Very Informative!!!
Sir very useful information for new buyer car 🎉🎉you have given me good information
Very informative video kudos to Birlas efforts. In a year how many times we can claim insurance.
Thanks a lot Birla and Rajesh.
Hello Sir, I need your guidance. If a call is declared as total loss in flood, will I get full amount of my IDV as a part of claim ?
புதுசா எந்த வண்டி வாங்குனாலும் அந்தந்த விற்பனை மையத்திலேயே காப்பீடு செய்து கொள்வது புத்திசாலித்தனம்.குறிப்பாக உத்திரவாத கால அளவு முடியும் வரை அங்கயே புதுப்பித்துக் கொள்ளவேண்டும்
17:47 good question birla sir
If car mirrors broken by other vehicles is it claimable or not ?
If we do any claim in insurance, will the next time premium gets changed? (Basically want to understand the unknown side-effects of making an insurance claim).. can you please clarify @birla sir ?
Ncb will be 0. This will increase the base premium and indirectly increase the total premium.
Awesome Video bro, mostly all questions were answered. I have one more question bro. Is there any cover for Rat bites on any car parts and animal damages like parked car was damaged by any animals (Bulls, Wild Boar, Deer etc) or hitting any animals on road. Also how to claim a damage caused by animals.
There is a addon coverage available for rat bite. But I have no idea about any other animals
If we take an insurance policy from the dealer they give only 1-year first party and then 3rd party what are your thoughts on it?
3+3 Also Available
Very useful information. Thank you sir. Keep it up.
Useful and informative Thanks 🙏
Very useful video sir, thank you 🙏
Thank you brother & Rajesh 👍🏽🙏🏽
Sir accessories like auto fold mirror and drl is added in showroom ... will it can be added to insurance or it will be excluded.?
SIR, If it is inbuilt with the version of car, it is automatically covered. If it is an add on accessories, it can be covered with separate Sum Insured.
Sir, Thanks for the very good info. Have one clarification, after buying new car, if we fit any accessories in outside shop, will it affect anyway in Car insurance policy during any claim, especially the consumables, if so, what type of accessories change will affect this.
Same doubt
Super useful video. Thank you very much sir!
Great 👍 very informative 👏 for a lay man.
birla u rocked with rajesh.
Best for no 1 insurance company general insurance new India assurance......
Excellent explanation, well said bro
NCB transfer to a new car, what is needed. Old car needs to be registered with the new owner and insurance transferred in his name
sir 1 year la oru 6 or 7 times insurance claim panna next yearla IDV korayuma ila frequent claimnala vera ethavathu problems irukuma sollunga
Have a query. say i have a comprehensive insurance. while driving, another car came and hit my car and my car is damaged. can i make the other person's insurance to pay for damage of my car.
Bro.. thank you very much,🎉🎉 most of the information is covered, very useful to me, if you may collect additional points, please post the same kind of video
Great interview. Thank you
Thanks for this video upload to birlas .
We want to know the full details of two wheeler insurance.