Sir what is the Incurred Claim Ratio of the acko insurance. Because this ICR value gives more important than claim settlement ratio. Please reply if you found this data on IRDA.
Sir my bike is of July 2023, I got 1 year 1st party and 5 year 3rd party insurance then... 1st party is now expired, it is only third party..so can I get my own damage insurance from any other company.Will there be any problem at the time of claim? That 1st party from different and 3rd party from different company.
Yes, you can get own damage (OD) insurance from a different insurance company even if your current third-party insurance is with another insurer. In India, it's common for people to hold third-party and own damage policies from different insurers, and it generally does not cause any issues at the time of a claim.
मेरे hisab se third party insurance is more than enough. No point in investing high premium for comprehensive insurance. Again this is my personal opinion, you may plz take call 😊🙋 For third party all companies premium is almost same
sir meri gadi ciaz zeta manual hai. feb 2019 ka registration hai. zero depth and third party dono expire hone wale hai next month me. icici lombard ki policy hai. konse company ki policy lu. akco ke garage jo hai wo maruti ke approved garage nahi hai. to kya best rahega. aur acko jo part dalte hai wo kya original rahenge ya nahi.
मेरी भी मारुती की गाडी है, फिर भी मैने acko car insurance लिया है... Waise भी मैने मारुती शोरूम जाना बंद किया है.. पुणे mai जो मारुती शोरूम है waha की सर्विस acchi नहि है तो mai अभी private garage mai servicing करता हूं... तो wo आपके upar है की जो आपके एरिया में accha aur sasta insurance है wo le sakte है 👍
Sir acko ke sath kis service center tieup kiya hai wo kasie pata chalega ? Aur ek question acko ke insurance me third party and self dono cover hai kya ke alag alag lena padega
Comprehensive लिया तो dono cover होता है Service centers they don't tell, they told me that whenever your car meets an accident, you can call customer care or log from App and within few minutes they will inform if serveyer will come or inform garage details for further action. I am also not comfortable with this answer, but since the insurance was so cheap I went for it. Now my friend who took acko insurance has claimed, let me see how it goes
MashaAllah very nice video Commercial car yani Ola Uber cab ke liye sabse Achcha insurance coverage kis company ka hoga Jara is talluk se ek video banaiye bhai sb
@@Bandana1192 for my car which is 4 years old I got lowest quote from Acko... I just suggested you to check tata aig quote so that you will get an idea of how much costly other insurance companies are... As per my experience acko gives lowest quotes...
deal looks attractive, though I don't have any experience with Raheja .. none of my friends or family members have gone with this company .. at your end you can try to find out if any of your friends have gone with them and how was the experience ..
@andriodguy700 Even I have same vehicle with same year have you bought the insurance from Raheja QBE. What is you opinion in this same should we so with Raheja ?
@@shamiknagre6541 I have gone with HDFC ergo this year... Got good offer from them and thought it's good brand... Also my close friend is their agent so in case something happens he would help me with insurance... So for रहेजा if you are getting it from known agent who will help you get insurance in case of accident then you can go ahead
@@shamiknagre6541 I haven't bought the policy yet. But Raheja QBE is the only option with zero dep. Thinking of buying it for a year. As sir is saying, I don't have any known person or agent. I found it online. But I think, we should give it a try once. Also Raheja holds a trusted brand name.
need to study latest reports .. currently busy in conducting classes at Symbiosis College for PG students .. so will do it next month ... thanks for the reminder to check latest reports
Mene nayi gaadi li 4 January 2022 ko Punch adventure Ryhtm Pack white colour ab uska third party insurance 3 saal ka he 2025 tak but mujhe phone aya ki insurance renew karana he last date 3 January 2023 he. Tell me best policy
You can check quotes from Acko and tata, just to get an idea of insurance premium and then decide best price company... As you saw I got very good price from Acko and hence bought from them...🙋 Try trekbook.in/acko
Honestly it's personal choice... Like loss of key can be also attractive to someone... So depending on what you like choose.. Premium for add on is normally low
Scorpio new vehicle 1year hua Just. Zero dept is valid for 1year and 3rd party was for 3 year of Bajaj finance. They saying to renewal of zero dept at 16000. Should I take renewal of zero dept for my private car. Please suggest what should I do? Should I need to buy zero dept or not required?
@@chetanthakkar3239 thank you for sharing your experience.. Did you take any accident benefit from policy bazaar, if yes what is the process, I mean we get service from policy bazaar or the company we took insurance? Do they take complete support responsibility?
Sir the final premium with GST is monthly or yearly? I am planning to purchase Honda City 5th gen.. So can i expect insurance to be somewhere around 30K-40K pwr year?
1 accident affect sometime 3 party like owner, two other third party. In such case 3 claim have to give by insurance company. Hence 1 accident= 3 claim.
@@TrekBookIndia what happens in that case? If accident happens twice in the same year or twice or more in different years.. Will the insurance claim still works??
@@navneettheonly1...476 personality I will suggest comprehensive since accidents don't depend upon less or more driving... And it can be costly in case of any damage... Generally for my own car I continue to go for full insurance till 5 years of age Final choice is yours 😊🙋
सर पहले साल गाड़ी के इंश्योरेंस पेपर पर गाड़ी का रजिस्ट्रेशन नंबर नहीं लिखा रहता है फिर कंपनी कैसे क्लेम देती है। क्या मैं नई गाड़ी का इंश्योरेंस खुद ले सकता हूँ..?? क्या स्वंय इंश्योरेंस लेने से कोई परेशानी हो सकती है..??
vehicles are typically allowed to leave the showroom only if they have a temporary registration number. This is good enough to buy insurance. "Once the permanent number is issued to you, the insurance policy can be endorsed to make that change. vehicles are typically allowed to leave the showroom only if they have a temporary registration number. This is good enough to buy insurance. "Once the permanent number is issued to you, the insurance policy can be endorsed to make that change. Insurer contacts you either for a Feedback/Service/Welcome/Endorsement Call etc. During this call, the insurer asks for the registration number and updates the same; If the same is not updated throughout the year, then at the time of renewal, the registration number is mandatory, and you have to provide the same to get the policy renewed. This way in both the cases, the insurer updates the registration number in their system. Also, you should know that the vehicle registration can be done only if a vehicle is insured with at least the mandatory third-party liability only policy. Therefore, you can get an insurance policy from the insurer even if you do not have a registration number for your vehicle. This system ensures the vehicle is insured right before it leaves the showroom and if a claim arises, the owner is covered against the same. In short 😅 you can get it on your own & rest process is as explained above 🙋
HDFC Ergo vs digit car insurance HDFC ERGO General Insurance Motor OD Claim Settlement Ratio FY20 91.23% Go Digit General Insurance Motor OD Claim Settlement Ratio FY20 80.47% So HDFC ergo looks better 😊👍
I have a 9 yrs old wagnor . Which car insurance good for my car. If I buy third party insurance its have any problem for sell the car. Or I can buy 1st party insurance from edelweiss insurance Co..pls suggest me I am from siliguri west bengal... thank u..
Hi sir I have taken Liberty general insurance and the yearly premium is 32644/-, it’s a huge amount for me at this present personal situation, can I port to a comparatively lower premium options?
Hello sir meri gadi ka insurance khatam ho gaya h or meri gari ka accident ho chuka h ab zero depth ka insurance konsi company ka lu ab insurance claim hoga ki nahi
If the ICR of an insurance company is more than 100%, it means that the company is paying more towards claim settlement as compared to the premiums received. This could indicate that the insurer is suffering from financial losses and may either hike premiums or reject borderline claims. ~ Reagarding your question at 10:00 Also, informative video, thanks. ❤
@@TrekBookIndia my car IDV 5.58lakh ..but agent was saying if u make through me I will make ur car IDV 6.5 lakh plus ...he told me to pay 16k . This time I make insurence policy my self just pay 6567rs from United Indian insurance. So my qn next year my Car IDV can increase by my self .?my car is 2yr old
Yes, opting for a Return to Invoice (RTI) add-on in your car insurance can be valuable, especially if your car gets totaled or stolen. The Insured Declared Value (IDV) does matter because RTI coverage is often based on the difference between the IDV and the invoice price of the car. Make sure to understand the terms and conditions of the RTI add-on and how it correlates with your car's IDV before making a decision.
@@explorewithkia7653 We would like to address this query. Please write to us regarding the same at hello@acko.com along with your contact number so that our team can reach out to you. -VS
Hi @acko insurance , shall I know the reason on why my car Honda Amaze VX MT i-vtech 2015 model petrol is not eligible for the Acko insurance??? Need your response...
if the company affiliated garage is not there and you do repairs from some other garage, then you need to check with the company - they might charge higher. as an example I have taken Acko insurance for my car - if I get car repaired from their affiliate garage, then I have to pay 1000 Rs charges, but if I get repairs done from other garage then I have to pay 6000 Rs charges!! so depends upon which insurance company you have taken and what are their conditions best is to call their helpline and check charges
Well both are good and there is not much of a difference between the two. However it is always better to go for the one which has a better reach. Lombard’s reach is quite vast and their platform is very user friendly. So in this case you can go for it
Also one information addon, I think some insurance companies will ask for Engine cover, DONT take it, if you already have extended warranty on the same.
Depends upon how much IDV you select, if car get completely damaged then you can get money equal to IDV, But when you select high IDV the premium will be very high, so we need to select appropriate IDV only matching the real valuation
I have 2014 Figo bought it last Diwali for 2.18 lakhs. Which had acko comprehensive insurance so should I continue with comprehensive or change to third party
Hello sir ,2015 model car ki bima vallue 620000 he first parti insorence chola ka he usme 500000 ke lgbhag total kharcha aa rha isme mujhe kitna pesa milega
Sir I wanted to know... If I take 1st party with zero depreciation.... Then will I get saved from chalan My second question is... If I take 3rd party...then how will I recover my vehicle's cost and will I get zero depreciation?
for new car comprehensive insurance is mandatory for the first year .. If your car is old and you opt only for 3rd party (which is mandated by law) - then any damage to your car is not covered .. third party is for third party damage like loss of life or property of third party .. it will not cover your own car damage.. so in short to cover your own vehicle damage - you must have comprehensive insurance and if you take Zero dep cover then you will get almost all parts covered to full cost
Sir, I am having United india insurance policy and it showing in policy details that fiber glass is 0 what it means. We get glass replacement or not please tell me sir
I am just giving you an example of what might have been mentioned in the policy document... The repairing costs of fiber, glass, rubber, and plastic parts are borne by the insurer in case of zero depreciation cover whereas, in case of a normal car insurance cover, these repairing costs have to be borne by the insured. So it totally depends on which insurance you have chosen and need to go through entire document... If you have bought it from agent then you can ask him... I hope I am able to answer your query 🤔
I just paid for acko insurance for my car baleno( zeta). Hope I choosed the best insurance policy.as my old policy was SBI general insurance.it got expired in 2020. Pls let me know was my choice right..as this is new insurance co. I am getting connected with.
@@dneshgnimbalkar2390 I have not claimed any damage so far, so don't know. But before taking acko insurance I had checked with my friend who got his car repaired under insurance... And okay.. So I went ahead
Hi, sir. This video is very use ful.. For me maruthi dealer applied insurance in reliance pvt. Should I change to another Or continue the same. Thks in advance
Reliance I do not have personal experience ... I will do detailed video later .. as on now you can decide based upon their support in your area and prior experience about any accident repairs
Hi, our automobile insurance policies are available on ACKO.com and Amazon Pay. It's quick and hassle-free. In case you need any other help, please call us at 1800-266-2256. -Manu
Excellent presentation 👏 very clear and to the point.well done Sir. One question car in wife name and myself driving also daughter along with us .Will all three of us be covered in insurance policy. Thank you
Dear please suggest insurance for my August 2022 Baleno. Maruti Company sending saod policy link... Is this valuable for me. My running is very low. Ajay From hisar haryana.
Sir insurance Lena chahiye yaan market se karvana chahiye kuch log kehte hain chhote kaam ke liye baar baar insurance claim nahi lena chahiye. Baad main insurance Wale jyade paise lenge insurance renewal ke . Kya yeh sach hai ?
Accident can happen anytime, which can cost you high.. So to protect from financial loss.. मेरे hisab se insurance जरुरी है Aur छोटे काम के लिये insurance claim Kiya तो minimum fees (generally 1K) denahi पडता है... So अगर खर्च कम है तो हजार रुपया lagega ये ध्यान rakhiye Aur साल Mai एक बार भी claim Kiya तो next year you will not get benefit of no claim bonus
Hi Sir... Thanks for making this kind of informative videos. Please suggest if SBI is a good choice and why the ratio is more than 100% for few companies?
Personally I hv no known friend having this insurance and its service, so difficult to comment. But if you know anyone taken this insurance and successfully claimed any damage then you can go ahead
That amount is to be paid only if you do accident repairs at non-approved or non-affiliate garages... They have list of approved garages in your area... If you accident repair there then you have to pay only 1,000 Rs charge and rest is cashless 🙋
Hi Anirudha, hum aapki madat karna chahengey. Please iss baaremein hamein apne contact number ke saath hello@acko.com par mail karein taaki hamari team aapko aage assist kar sakein. -VS
There are options while you buy, 5k only if you repair car in your choice garage, but 1k only if you service in their authirized garage Also 1k for each claim to be paid
@@TrekBookIndia policy bazar par 3 companies zero dep de rahi hain Or un tino k bare mein main achhi trehy nahi janta.1. Raheja QBE, 2.Future generali, 3.Universal sompo and 4th royal sundaram (je official website par zero dep ke option de rahe hain). Inn charon companies mein se kon se best hai bas yehi bta do please.
@@mandeep4782 universal sompo is better in terms of claim settlement ratio... In the same line you can check tata aig insurance too, since their claim settlement ratio is almost same as universal sompo.. Before going ahead just quickly check trekbook.in/tata-aig
RTI or Return to Invoice is a cover that is part of comprehensive car insurance plans. The add-on allows you to receive compensation equal to the car’s invoice value i.e., the original value of the car when you bought it. The claim applies when a car is stolen or when it is beyond repair. If your car is totaled, new car replacement insurance will give you money for a brand new car of the same make and model (minus your deductible) instead of the depreciated value of your totaled car. In short.... As per my understanding both these terms have the same result (meaning) Hope this helps 😊🙋
if its just 1 year old I would suggest you to go for Comprehensive insurance with Zero Depreciation rider. You can check quotations from the links and decide - trekbook.in/acko trekbook.in/tata-aig For rest of the companies you need to goto respective company websirtes to get quote and decide best one (check from the Top 5 list given by me) Hope this helps :-)
I have bought future generali car insurance for my 5 years old car as they are the only ones who were giving max IDV with all benefits at reasonable premium.
@@TrekBookIndia ignis alpha petrol Mt 2017. Premium for zero Deb comprehensive with engine protect key replacement consumables road assistance pa cover is approx 12.5k
I'm also from Pune. Do you have claim experience? I'm also buying acko just because it costs half compared to my previous insurance brand but had great experience with claim settlement not sure for acko!
Actually I have checked with my friend who has got accident claim form acko, post which I also bought Acko insurance. Now its like fingures crossed, but same reason for me. I got it half the price 🤞
@@diptiranjan7569 नहि... Actually मेरा फ्रेंड और मैने एक नया कंपनी चालू किया है... तो हम लोग itne बिझी है की wo क्लेम log ही नही किया 🙆🙆🙆 अब नया प्रोजेक्ट है तो ज्यादा ध्यान uske upar ही है...
Superlike... You educated me well, all basic concepts are clear now. Thank you from Pune itself.
You are most welcome 😊🙋
sir can i take my 2017 Scorpio car but no policy renewal dor fist4 years
Sir what is the Incurred Claim Ratio of the acko insurance. Because this ICR value gives more important than claim settlement ratio. Please reply if you found this data on IRDA.
Hello sir mere paas vitara brezza vdi hai 2019 Acko app me keval third party insurance hi show ho raha hai
Sir my bike is of July 2023, I got 1 year 1st party and 5 year 3rd party insurance then... 1st party is now expired, it is only third party..so can I get my own damage insurance from any other company.Will there be any problem at the time of claim? That 1st party from different and 3rd party from different company.
Yes, you can get own damage (OD) insurance from a different insurance company even if your current third-party insurance is with another insurer. In India, it's common for people to hold third-party and own damage policies from different insurers, and it generally does not cause any issues at the time of a claim.
Swift vxi (2018)4.5 yrs hua hain konsa insurance karna chaiye -comprehensive or zero depreciation.konsa company best hoga.online yea offline karu
Upto 5 years zero dep
Online vs offline is your comfort zone.
I have done online since I got it cheap from Acko
Thanks Sir. मेरी कार ऑल्टो एलक्सआई 800 है 8 साल हो गए हैं मेरे लिए कौनसी इंशोरेंस कम्पनी व पॉलिसी बेस्ट रहेगी। pls help
मेरे hisab se third party insurance is more than enough. No point in investing high premium for comprehensive insurance.
Again this is my personal opinion, you may plz take call 😊🙋
For third party all companies premium is almost same
@@TrekBookIndia thanks respected sir🙏
Sir United India insurance company me claim asani se hota hai ki nahi. Please reply me
mera personal experience nahi hai unke sath ... to batana mushkil hai
Sir hame bataiye kis company se car insurance karana best hai
@@ravilalhansda9871 मेरा Acko है... तुमची उन्होने सबसे सस्ता दिया था औरंग का रेकॉर्ड भी ठीक लगता है
Ha 100% idv mila mujhe in case of total loss...but it takes 1 months after all files submitted
Hello Mam Third party insurance karvane hai car k liya konsa accha hai please suggest. 🤗
Third party insurance of any company is okay, since its only a legal requirement 🙋 and price remain same
@@TrekBookIndia Sir koi 1k company bata sakte ho please
@@Preeti.172 no harm in going with Acko
sir meri gadi ciaz zeta manual hai. feb 2019 ka registration hai. zero depth and third party dono expire hone wale hai next month me. icici lombard ki policy hai. konse company ki policy lu. akco ke garage jo hai wo maruti ke approved garage nahi hai. to kya best rahega. aur acko jo part dalte hai wo kya original rahenge ya nahi.
मेरी भी मारुती की गाडी है, फिर भी मैने acko car insurance लिया है... Waise भी मैने मारुती शोरूम जाना बंद किया है.. पुणे mai जो मारुती शोरूम है waha की सर्विस acchi नहि है तो mai अभी private garage mai servicing करता हूं... तो wo आपके upar है की जो आपके एरिया में accha aur sasta insurance है wo le sakte है 👍
Sir acko ke sath kis service center tieup kiya hai wo kasie pata chalega ? Aur ek question acko ke insurance me third party and self dono cover hai kya ke alag alag lena padega
Comprehensive लिया तो dono cover होता है
Service centers they don't tell, they told me that whenever your car meets an accident, you can call customer care or log from App and within few minutes they will inform if serveyer will come or inform garage details for further action. I am also not comfortable with this answer, but since the insurance was so cheap I went for it.
Now my friend who took acko insurance has claimed, let me see how it goes
@@TrekBookIndia thanks
Sir kotak zero dep kafi cheap milra haiii.. lu ya na lu?? 2nd year h car ka
Sir which car insurance company is best ifco tokiyo or universal sompo,ICICI Lombard giving low idv of vehicle
Just check acko price and IDV
TrekBook.in/acko
Mera bajaj Allianz me insurance tha jo 1month phele expire hogaya, ab agar renew karunga to kya wo Car check karenge ya photo lenge Car ka??
If your insurance is expired then Generally they check car in person 🙋
MashaAllah very nice video Commercial car yani Ola Uber cab ke liye sabse Achcha insurance coverage kis company ka hoga Jara is talluk se ek video banaiye bhai sb
जरूर banaunga... Thanks for the suggestion 👍
Sir I purchased new tata Tiago from delhi ...which car insurance best for my car I mean konsa lu kitne Tak lu
Plz chk what acko offers you at
TrekBook.in/acko
If you get low price, you can buy it... 🙋
I chk 15640 + gst
@@Bandana1192and how much is tata aig quote?
trekbook.in/tata-aig
@@Bandana1192 for my car which is 4 years old I got lowest quote from Acko...
I just suggested you to check tata aig quote so that you will get an idea of how much costly other insurance companies are...
As per my experience acko gives lowest quotes...
@@TrekBookIndia k I will
Thank you so much sir...all clear my problems...pls make a video Acko insurance year of2022 claim settlement ratio. and final amount premium sir🙏
Will make it in Jan 2023 since data for 2022 gets published after year completion
Sir, I've 2016 Ciaz. Only Raheja Qbe is giving zero depth + engine protection cover in 7.5k. What should I do? What's your suggestion?
deal looks attractive, though I don't have any experience with Raheja .. none of my friends or family members have gone with this company .. at your end you can try to find out if any of your friends have gone with them and how was the experience ..
@andriodguy700 Even I have same vehicle with same year have you bought the insurance from Raheja QBE. What is you opinion in this same should we so with Raheja ?
@@shamiknagre6541 I have gone with HDFC ergo this year... Got good offer from them and thought it's good brand... Also my close friend is their agent so in case something happens he would help me with insurance...
So for रहेजा if you are getting it from known agent who will help you get insurance in case of accident then you can go ahead
@@shamiknagre6541 I haven't bought the policy yet. But Raheja QBE is the only option with zero dep. Thinking of buying it for a year. As sir is saying, I don't have any known person or agent. I found it online. But I think, we should give it a try once. Also Raheja holds a trusted brand name.
United India Insurance ka le sakte hai kya? Log bolte hai ki Govt company hai to settlement me issue aayega.
I personally don't prefer
At moment which car insurance is best to buy ??
need to study latest reports .. currently busy in conducting classes at Symbiosis College for PG students .. so will do it next month ... thanks for the reminder to check latest reports
Mene nayi gaadi li 4 January 2022 ko Punch adventure Ryhtm Pack white colour ab uska third party insurance 3 saal ka he 2025 tak but mujhe phone aya ki insurance renew karana he last date 3 January 2023 he. Tell me best policy
Sir I purchased tata punch adventure , please suggest which compny and which policy ?
You can check quotes from Acko and tata, just to get an idea of insurance premium and then decide best price company...
As you saw I got very good price from Acko and hence bought from them...🙋
Try trekbook.in/acko
BOHOT BADHIYA SABSE BEST KNOWLEDGE H APKO EXCELLENT
Thank you very much for your appreciation 😊🙏
Which add-ons make sense for a new vehicle if we go with Acko?
Honestly it's personal choice... Like loss of key can be also attractive to someone... So depending on what you like choose.. Premium for add on is normally low
Sir Kisi bi company se official website se insurance lena sahi he kya ya dealer through hi lena chahiye?
Buy from that option which gives you lowest premium... Finally all support is online..
@@TrekBookIndia thanks sir
Sir I'm confused 😕 United india and Reliance and SBI please tell me better company ?
Depending upon your location you can check which company have more affiliate Garages and select
😎
Sir national insurance, new india or iffco tokio which will be better at present
टोकियो
@@TrekBookIndia now dealer is offering hdfc ergo, so tokio or ergo which one to choose
Scorpio new vehicle 1year hua Just.
Zero dept is valid for 1year and 3rd party was for 3 year of Bajaj finance. They saying to renewal of zero dept at 16000. Should I take renewal of zero dept for my private car. Please suggest what should I do? Should I need to buy zero dept or not required?
If its just 1 year then my opinion is zero dep...
Before going ahead with them, just check quote here
TrekBook.in/acko
bhaiya showroom vale jo insorance dete h vo costly hota h?
Generally yes
I have Swift 2010, previously insurance was of third party. Now I want to buy as comprehensive. Which will be better?
It's almost deprecated car, so in my personal opinion Thirdy party should be suffice 👍
@@TrekBookIndia Thanks
Raheja Qbe Car Insurance Policy Bazaar Se Lenge To Claim Sattellment Me Dikat Nahi Aayegi Na Sir...
btana muskil hai .. kyonki maine ya mere kisi bhi dost ne policy bazaar se policy nhi ki hai .. to experience nhi hai
Policy bazaar ki service best hai le sakte hai
@@chetanthakkar3239 thank you for sharing your experience.. Did you take any accident benefit from policy bazaar, if yes what is the process, I mean we get service from policy bazaar or the company we took insurance? Do they take complete support responsibility?
Sir is Navi insurance company is a good company....
Sir the final premium with GST is monthly or yearly? I am planning to purchase Honda City 5th gen.. So can i expect insurance to be somewhere around 30K-40K pwr year?
Yearly
Sir mujhe insurance agent hona hai. Aur konsa insurance better rahega. Sab ka insurance karna chahta hu. Agent hona hai mujhe konse party ka ban jau.
Either hdfc or bajaj.... Both companies have very good portal facility... As per my info all companies have almost same agent commission rates...
1 accident affect sometime 3 party like owner, two other third party. In such case 3 claim have to give by insurance company. Hence 1 accident= 3 claim.
Good... One more aspect is same vehicle meets an accident twice in the same year 🙋
@@TrekBookIndia what happens in that case? If accident happens twice in the same year or twice or more in different years.. Will the insurance claim still works??
@@littondas4839 yes, as long as full insurance is valid, you can get multiple time claim
I20 me cng bithaya hai lekin bs6 ka government approve nhi chalu huva hai to konsa inshurance nikalna chaea
I am not so sure if you can get insurance for unapproved kit fitted
Sir..pls tell me if car is very less in use then which will be best choice 1st party or 3rd party..??
How many years old is your car?
@@TrekBookIndia 3rd year is running...but very less used...
@@navneettheonly1...476 personality I will suggest comprehensive since accidents don't depend upon less or more driving... And it can be costly in case of any damage...
Generally for my own car I continue to go for full insurance till 5 years of age
Final choice is yours 😊🙋
@@TrekBookIndia thanx sir for your valuable suggestion....i will consider it..
सर पहले साल गाड़ी के इंश्योरेंस पेपर पर गाड़ी का रजिस्ट्रेशन नंबर नहीं लिखा रहता है फिर कंपनी कैसे क्लेम देती है।
क्या मैं नई गाड़ी का इंश्योरेंस खुद ले सकता हूँ..??
क्या स्वंय इंश्योरेंस लेने से कोई परेशानी हो सकती है..??
vehicles are typically allowed to leave the showroom only if they have a temporary registration number. This is good enough to buy insurance. "Once the permanent number is issued to you, the insurance policy can be endorsed to make that change.
vehicles are typically allowed to leave the showroom only if they have a temporary registration number. This is good enough to buy insurance. "Once the permanent number is issued to you, the insurance policy can be endorsed to make that change.
Insurer contacts you either for a Feedback/Service/Welcome/Endorsement Call etc. During this call, the insurer asks for the registration number and updates the same;
If the same is not updated throughout the year, then at the time of renewal, the registration number is mandatory, and you have to provide the same to get the policy renewed.
This way in both the cases, the insurer updates the registration number in their system. Also, you should know that the vehicle registration can be done only if a vehicle is insured with at least the mandatory third-party liability only policy. Therefore, you can get an insurance policy from the insurer even if you do not have a registration number for your vehicle. This system ensures the vehicle is insured right before it leaves the showroom and if a claim arises, the owner is covered against the same.
In short 😅 you can get it on your own & rest process is as explained above 🙋
Sir HDFC Ergo vs digit car insurance which one is best for my Hyundai Creta.
HDFC Ergo vs digit car insurance
HDFC ERGO General Insurance Motor OD Claim Settlement Ratio FY20 91.23%
Go Digit General Insurance Motor OD Claim Settlement Ratio FY20 80.47%
So HDFC ergo looks better 😊👍
@@TrekBookIndia Thanks sir for info😊
Can I take new car insurance from online if yes how much approximate price difference between dealership and online iam planning to buy swift vxi
If i take insurance from policy bazar. Is it good for claim or not?
Honestly I don't know, since none of my friends have taken insurance from them
I fact I also want to know this...
Great help..
Which is the best app to buy insurance where i get best offers..
I have a 9 yrs old wagnor . Which car insurance good for my car. If I buy third party insurance its have any problem for sell the car. Or I can buy 1st party insurance from edelweiss insurance Co..pls suggest me I am from siliguri west bengal... thank u..
Sir,There is no Acko network garrage in Allahabad, UP,should I go for comprehensive insurance of my car?
If there is no network garage, then better not to buy that insurance... Buy from company which has network garage in your city
Thanks sir
Many Thanks Sir for informative video, please update with Claim Settlement Ratio year 2022
Yes I will do it soon
Is it better to get insurance through Sir Policy Bazaar?
Honestly I don't have any experience with policy bazaar
Hi sir I have taken Liberty general insurance and the yearly premium is 32644/-, it’s a huge amount for me at this present personal situation, can I port to a comparatively lower premium options?
Car insurance expires each year, so next year you can go for any company you like 👍
Hello sir meri gadi ka insurance khatam ho gaya h or meri gari ka accident ho chuka h ab zero depth ka insurance konsi company ka lu ab insurance claim hoga ki nahi
अगर accident हुआ है तो aapko zero dep या कोई भी comprehensive insurance नहि मिल सकता... और legally Lena भी नही चाहिये... Kyonki its illegal
If the ICR of an insurance company is more than 100%, it means that the company is paying more towards claim settlement as compared to the premiums received. This could indicate that the insurer is suffering from financial losses and may either hike premiums or reject borderline claims.
~ Reagarding your question at 10:00
Also, informative video, thanks. ❤
😀👍 I will be making more informative videos in 2024 .. also need to update above video with latest IRDA reports
Sir orental insurance policy kesi hai car ke liye ??
Nice information given can you advice me m planning for new Nissan magnite which one insurance I will go because from company they are giving 40,000
You may please check offers from all top 5 companies and decide 🙋😊
High settlement clain kis company ka hai?
i am planning to purchase a new car... should I take comprehensive insurance or should I take zero depp? is there no depreciation in the 1st year?
You should take zero dep cover for new car 🙋
Sir oriental insurance policy kesi hai????
Sir Maine bina servre k Kaam karwa liya tha hdfc ergo Ab claim k liye mna kar rha h please aap coprate Kare
Legally they are right - You can not do work on your own without informing the insurance company - so can't help
Sir which is the best National insurance or chola ms Insurance??
Plz explain sir,
What is above 100 % claim settlement...
Chola is not good
So nice of you sir ..this time I hav done ✔ my insurance of car by my self thank you 😊
You are most welcome ☺️🙏
@@TrekBookIndia my car IDV 5.58lakh ..but agent was saying if u make through me I will make ur car IDV 6.5 lakh plus ...he told me to pay 16k .
This time I make insurence policy my self just pay 6567rs from United Indian insurance.
So my qn next year my Car IDV can increase by my self .?my car is 2yr old
@@dr.mssharma9673 yes you can choose higher car IDV - only the premium will get revised as per the selected IDV
@@ShowMyStay okkk..sir thank you
If i take RTI as add on dose it matter how much is my IDV
Yes, opting for a Return to Invoice (RTI) add-on in your car insurance can be valuable, especially if your car gets totaled or stolen. The Insured Declared Value (IDV) does matter because RTI coverage is often based on the difference between the IDV and the invoice price of the car. Make sure to understand the terms and conditions of the RTI add-on and how it correlates with your car's IDV before making a decision.
Sir bmw 7 seris 2008 ....2 ya 3 compny he comprehensive insournce de rhi h. 1 idv de rhi h 20 lkh .1 .30 lkh .or 1 ....5 lkh . Online policy bazar par
Thank you for making this informative video on our product offerings and claim settlement ratio! 💜 -VS
You are most welcome sir...
TrekBook India reviews products independently and recommends the best 😊🙋
What is the minimum amount charge by acko for claim process in zero depreciation insurance policy @ACKO Insurance
@@explorewithkia7653 We would like to address this query. Please write to us regarding the same at hello@acko.com along with your contact number so that our team can reach out to you. -VS
Hi @acko insurance , shall I know the reason on why my car Honda Amaze VX MT i-vtech 2015 model petrol is not eligible for the Acko insurance??? Need your response...
@@TrekBookIndia Hi
Sir ji apni area main authorities garage nahi hain, authorised service center hain company ka... Kay mujha baha claim milaga???
if the company affiliated garage is not there and you do repairs from some other garage, then you need to check with the company - they might charge higher. as an example I have taken Acko insurance for my car - if I get car repaired from their affiliate garage, then I have to pay 1000 Rs charges, but if I get repairs done from other garage then I have to pay 6000 Rs charges!! so depends upon which insurance company you have taken and what are their conditions
best is to call their helpline and check charges
Hello sir. You changed your insurance company. Did they claim No Claim bonus if you change company??
yes I changed from TATA AIG to Acko and I got no claim bonus too . no problem ..
trekbook.in/acko
Hdfc egro ya icici lombard which is best
Well both are good and there is not much of a difference between the two. However it is always better to go for the one which has a better reach.
Lombard’s reach is quite vast and their platform is very user friendly. So in this case you can go for it
Also one information addon, I think some insurance companies will ask for Engine cover, DONT take it, if you already have extended warranty on the same.
But extended warranty do not cover accident damage 🤔
Exactly warranty is for faulty of engine not for damage of engine because of accident bro @TrekBookIndia @TapRhythmist
Mere pass verna car hai 2014 modal registration 2015 ki hai uski full insurance krane pe agar accident Hota hai toh paise company layegi car pe
Depends upon how much IDV you select, if car get completely damaged then you can get money equal to IDV,
But when you select high IDV the premium will be very high, so we need to select appropriate IDV only matching the real valuation
I have 2014 Figo bought it last Diwali for 2.18 lakhs. Which had acko comprehensive insurance so should I continue with comprehensive or change to third party
As per my opinion... No point going with comprehensive...
Kotak kaisa hai? Mri ecosport ke lie sb adds on krke 9000 m de rhe hai.
Hello sir ,2015 model car ki bima vallue 620000 he first parti insorence chola ka he usme 500000 ke lgbhag total kharcha aa rha isme mujhe kitna pesa milega
Sir please advise swift vxi 2018 model konsa insurgence karaye becase showroom me boht price haiiiii
Just try getting insurance quote from Amazon... I have heard that here you get lowest price
amzn.to/3B6JzJA
Plz let me know the results 😊🙋
Irda ke kaunsa option me milega ye vehicle insurance claim settlement details
IRDA annual report from their website
What about ICICI Lombard.. is it good company to take insurance from it?
Please check chart given in video which clearly shows my ranking 🙋
Icici Lombard is worst choice
Sir tata taigo 2021 mai buy kiya united insurance kaisa hai
युनायटेड इन्शुरन्स के बारे मे मेरा कोई डायरेक्ट अनुभव नही है तू बताना थोडा मुश्किल है आपके किसी दोस्त ने लिया है तो चेक करे
Sir I wanted to know... If I take 1st party with zero depreciation.... Then will I get saved from chalan
My second question is... If I take 3rd party...then how will I recover my vehicle's cost and will I get zero depreciation?
for new car comprehensive insurance is mandatory for the first year ..
If your car is old and you opt only for 3rd party (which is mandated by law) - then any damage to your car is not covered .. third party is for third party damage like loss of life or property of third party .. it will not cover your own car damage..
so in short to cover your own vehicle damage - you must have comprehensive insurance and if you take Zero dep cover then you will get almost all parts covered to full cost
@@TrekBookIndia thank you so much sir
Sir, I am having United india insurance policy and it showing in policy details that fiber glass is 0 what it means. We get glass replacement or not please tell me sir
I am just giving you an example of what might have been mentioned in the policy document...
The repairing costs of fiber, glass, rubber, and plastic parts are borne by the insurer in case of zero depreciation cover whereas, in case of a normal car insurance cover, these repairing costs have to be borne by the insured.
So it totally depends on which insurance you have chosen and need to go through entire document... If you have bought it from agent then you can ask him...
I hope I am able to answer your query 🤔
I just paid for acko insurance for my car baleno( zeta). Hope I choosed the best insurance policy.as my old policy was SBI general insurance.it got expired in 2020.
Pls let me know was my choice right..as this is new insurance co. I am getting connected with.
I also did the same... My previous policy was with tata and now acko 👍
@@TrekBookIndia so is my choice the best in market by choosing acko policy. How is their service?
@@dneshgnimbalkar2390 I have not claimed any damage so far, so don't know. But before taking acko insurance I had checked with my friend who got his car repaired under insurance... And okay.. So I went ahead
Hi, sir. This video is very use ful.. For me maruthi dealer applied insurance in reliance pvt. Should I change to another Or continue the same. Thks in advance
Reliance I do not have personal experience ... I will do detailed video later .. as on now you can decide based upon their support in your area and prior experience about any accident repairs
Acko or digit which best
First check their service in your area
Then premium
Kindly guide can we take acko insurance policy from policy bazar site.
Just a query... What's the quote difference if you use trekbook.in/acko vs policy bazaar?
Hi, our automobile insurance policies are available on ACKO.com and Amazon Pay. It's quick and hassle-free. In case you need any other help, please call us at 1800-266-2256. -Manu
Hello sir agar hum insurance car ki agency se karwaye to kya fayda hota hai
अगर wo aapko same प्रीमियम दे रहे है तो जरूर ले skate है
Sir multi dent ke liye konsa insurance lena chahiye
Excellent presentation 👏 very clear and to the point.well done Sir.
One question car in wife name and myself driving also daughter along with us .Will all three of us be covered in insurance policy.
Thank you
Life is not covered but the car damages in insurance
Dear please suggest insurance for my August 2022 Baleno. Maruti Company sending saod policy link... Is this valuable for me. My running is very low. Ajay From hisar haryana.
The way in which the policies are presented and compared is very nice and informative. Now I can choose the Best plan for my car.
I am happy that you liked the review 😊🙏
Which one u purchase...plz hlp
@@Bandana1192 I went with tie up insurance partners at dealer showroom with zero depriciation and maximum add ons available.
Sir insurance Lena chahiye yaan market se karvana chahiye kuch log kehte hain chhote kaam ke liye baar baar insurance claim nahi lena chahiye. Baad main insurance Wale jyade paise lenge insurance renewal ke . Kya yeh sach hai ?
Accident can happen anytime, which can cost you high.. So to protect from financial loss.. मेरे hisab se insurance जरुरी है
Aur छोटे काम के लिये insurance claim Kiya तो minimum fees (generally 1K) denahi पडता है... So अगर खर्च कम है तो हजार रुपया lagega ये ध्यान rakhiye
Aur साल Mai एक बार भी claim Kiya तो next year you will not get benefit of no claim bonus
@@TrekBookIndia toh iska matlab 3000 ka kaam karvana ho gadi ka toh claim nahi lena chahiye. Ise dukan se hi karvana thik rahega. Am i right?
@@mohindersingh4990 yes
Hi Sir... Thanks for making this kind of informative videos. Please suggest if SBI is a good choice and why the ratio is more than 100% for few companies?
What is your suggestion on Royal Sundaram car insurance sir ?
Personally I hv no known friend having this insurance and its service, so difficult to comment.
But if you know anyone taken this insurance and successfully claimed any damage then you can go ahead
Thank you. Explanation given was very short and crisp covered all required angles for the insurance.
You are most welcome 😀
Can we book insurance online if old insurance date is expired for 3 months,
Not so sure... Depends on company 🙋
Sir meri baat acko insurance customer care se hui hai ..wo kh rhe hai ki ..zero dep lene k baad bhi apko minimum 7000 pay Krna hoga for claim process.
That amount is to be paid only if you do accident repairs at non-approved or non-affiliate garages...
They have list of approved garages in your area... If you accident repair there then you have to pay only 1,000 Rs charge and rest is cashless 🙋
@@TrekBookIndia thank you sir.
Namaskar sir,
Kolhapur madhe acko insurance chi service bhetel ka
Mi navin tata punch book karu ichhito
इथे खाली कमेन्ट सेक्शन मध्ये मी acko insurance chi एक कमेन्ट पिन केली आहे, त्यावर तुम्ही तुमचा प्रश्न टाकला तर ते reply करतात 🙋😊
Hi Anirudha, hum aapki madat karna chahengey. Please iss baaremein hamein apne contact number ke saath hello@acko.com par mail karein taaki hamari team aapko aage assist kar sakein. -VS
Voluntary deductible is only applicable for 1 claim or every time we claim, 5000 will be deducted?
There are options while you buy,
5k only if you repair car in your choice garage, but 1k only if you service in their authirized garage
Also 1k for each claim to be paid
@@TrekBookIndia this option is not available for all cars(acko garage & 1k). And I confirmed with Acko...5k will be deducted every claim.
@@udiptaborah then it's not worth at all
very nice.Explained very well.
@@bajee09 thank you very much for your appreciation 😊🙏
Thanks 😊
You are most welcome 😀👍
Sir is to good to go with Raheja QBE car insurance
I am not so sure about it 🤔
Sir ,meri car ke ajj 7th insurance honi hai , kon c company ka zero dep lu.keon ke kush companies he zero dep de rahe hein.
अगर आप comprehensive insurance le रहे है तो zero dep add on जरूर Lena चाहिये 🙋
@@TrekBookIndia policy bazar par 3 companies zero dep de rahi hain
Or un tino k bare mein main achhi trehy nahi janta.1. Raheja QBE, 2.Future generali, 3.Universal sompo and 4th royal sundaram (je official website par zero dep ke option de rahe hain). Inn charon companies mein se kon se best hai bas yehi bta do please.
@@mandeep4782 universal sompo is better in terms of claim settlement ratio... In the same line you can check tata aig insurance too, since their claim settlement ratio is almost same as universal sompo.. Before going ahead just quickly check trekbook.in/tata-aig
@@TrekBookIndia thank u so much sir.
@@mandeep4782 you are most welcome 🙏
Sir third party mein gst add karke kitna amount ayega
Is return to invoice is same as vehicle replacement advantage
RTI or Return to Invoice is a cover that is part of comprehensive car insurance plans. The add-on allows you to receive compensation equal to the car’s invoice value i.e., the original value of the car when you bought it. The claim applies when a car is stolen or when it is beyond repair.
If your car is totaled, new car replacement insurance will give you money for a brand new car of the same make and model (minus your deductible) instead of the depreciated value of your totaled car.
In short....
As per my understanding both these terms have the same result (meaning)
Hope this helps 😊🙋
Nice sir, sir mujhe general insurance company ka agent banana h kis company ka agent bane
You can take agency from policy bazaar so that you can do insurance of any company still get descent commission
@@TrekBookIndia Thanks for reply, sir i want only single company which is the best
Drop number
sir my car wagon r cng 2020 1 year old then new insurance plz sugest me
if its just 1 year old I would suggest you to go for Comprehensive insurance with Zero Depreciation rider.
You can check quotations from the links and decide -
trekbook.in/acko
trekbook.in/tata-aig
For rest of the companies you need to goto respective company websirtes to get quote and decide best one (check from the Top 5 list given by me)
Hope this helps :-)
Small correction, mutual third party claim can be done right? No need for own damage
Only third party insurance can be done, yes 👍
I have bought future generali car insurance for my 5 years old car as they are the only ones who were giving max IDV with all benefits at reasonable premium.
Good 👍 which car and how much premium... Just curious to know 😀
@@TrekBookIndia ignis alpha petrol Mt 2017. Premium for zero Deb comprehensive with engine protect key replacement consumables road assistance pa cover is approx 12.5k
@@soodvikram84 OK thanks 😊👍
@@soodvikram84 hi l, any experience with claim settlement with future General insurance ?
I'm also from Pune. Do you have claim experience? I'm also buying acko just because it costs half compared to my previous insurance brand but had great experience with claim settlement not sure for acko!
Actually I have checked with my friend who has got accident claim form acko, post which I also bought Acko insurance.
Now its like fingures crossed, but same reason for me. I got it half the price 🤞
@@OnlyGenuineknowledge just now my friend car met an accident and he has acko insurance... Let me see how the claim process goes 🙋
@@TrekBookIndia please keep us updated. Thank you
@@TrekBookIndia sir any update ragarding ur friends settlement process in acko
@@diptiranjan7569 नहि... Actually मेरा फ्रेंड और मैने एक नया कंपनी चालू किया है... तो हम लोग itne बिझी है की wo क्लेम log ही नही किया 🙆🙆🙆 अब नया प्रोजेक्ट है तो ज्यादा ध्यान uske upar ही है...
I didn't find claim settlement ratio chart on IRDA website please provide link
He will not provide because figures has been made by him..