Bahut se logon ke saath hota hai - policy ki date nikal jaati hai aur pata hi nahi chalta. Phir jab challan ya accident hota hai, tab yaad aata hai. Agar aapke saath bhi aisa hua hai, to pehle ye samajh lijiye ki situation kitni gambhir hai.
Sabse pehle: gaadi mat chalayein
Bina insurance ke gaadi chalana Motor Vehicles Act ke tehat jurmana laayak hai. Pehli baar pakde gaye to fine, dobara pakde gaye to fine aur zyada. Isse bada nuksan ye hai - agar us dauran accident ho gaya aur saamne wale ko chot lagi, to poora kharcha aapki jeb se jaayega. Third party ka kharcha lakhon mein ja sakta hai.
Kitne din ka time milta hai
- Expiry ke 90 din tak - zyadatar companies bina gaadi dekhe policy renew kar deti hain.
- 90 din ke baad - inspection zaroori ho jaata hai. Company ka banda gaadi dekhne aayega ya aapko photo bhejni hogi.
- Zyada lamba gap - premium badh sakta hai aur kuch companies mana bhi kar deti hain.
Matlab jitni jaldi karwa lein, utna aasaan aur sasta.
NCB ka kya hoga
Ye sabse zaroori baat hai. No Claim Bonus (NCB) wo discount hai jo aapko har saal claim na karne pe milta hai - 20% se lekar 50% tak.
Niyam ye hai: policy expire hone ke 90 din ke andar renew kar liya, to NCB bacha rehta hai. 90 din nikal gaye, to NCB poora khatam - aur agla saal se phir zero se shuru.
Yaani der karne ka seedha matlab hai - agle saal ka premium 20-50% zyada.
Ek example: agar aapka premium 6,000 tha aur 50% NCB tha, to aap 3,000 de rahe the. NCB gaya to seedha 6,000 dena padega.
Renewal ke liye kya chahiye
- Purani policy ki copy (agar hai to)
- Gaadi ka RC
- Aapka Aadhaar / PAN
- Agar 90 din se zyada ho gaye - gaadi ki photos ya inspection
Bas itna hi. Koi lambi process nahi hai.
Hum kaise madad karte hain
SafeDrive pe aap sirf gaadi ka number WhatsApp pe bhej dijiye. Hum aapke liye alag-alag companies ke rate nikaal kar bhejenge, aur bata denge ki aapke case mein NCB bach raha hai ya nahi. Quote lene ka koi charge nahi hai, aur na hi koi baar-baar call karke pareshan karega.
Agar 90 din waali deadline nazdeek hai, to aaj hi message kar dijiye - ek din ki der bhi mehngi pad sakti hai.