What are we talking about? Car, car related issues, insurances in cars, the problems caused by them, we are not talking about all these. Whether it is a person who is deciding to buy a new car, or a person who already has a car, or a person who already has two cars, the main concern for everyone is this insurance. Should we take car insurance or not? The problems in that, a new insurance is coming, whether it is good or bad, that is what we are going to see in this video. Greetings to all dear T
amizh fans. Generally, when we talk about cars, at home, two cars are more than one. In a house with a car, there will be another car. If we ask, why this car? To go far away. These two cars. Or these two bikes. These are the common things we see. If we ask, does a car need insurance? How do people need insurance? Similarly, cars also need insurance. According to the Government of India, definitely, third party insurance should be taken. What is third party? Without third party insurance, how ma
ny types of insurance are there? We are going to see all these. Before that, there is a link in the description of this video. You can save up to 85% and get more than Rs. 8000. There are chances for you to get profit. You can see the necessary links below. According to car insurance, we call it third party. Third party is the third person. We are driving a car. We bumped into an opponent. Or we broke another person's property. Or we damaged another property. At this time, instead of getting ins
urance, there is a person who is affected by us. They definitely need money. If an accident happens and a person's leg is broken and he cannot walk, his life is lost. If a person in the opposite side loses his life, he will definitely need money to run his life. That is why the Government of India according to their Motor Act, needs to get insurance. So, when we say that we broke something, that person can file a case. The person who drove this car had an accident at this time and his leg is bro
ken. Or his property is damaged. When we file a case, the insurance company will check and tell the court about the damage or the amount of money or the premium. The engine of the car and the power of the car will be affected. Generally, a car with less than 1000cc will cost around 2000-2200 rupees. A car with 1500cc will cost 3500 rupees. A car with more than 1500cc will cost more than 8000 rupees. This is called third party insurance. So, will the driver get any money for his car? No. So, thir
d party insurance is for the third party. Next is comprehensive insurance. Before looking at the comprehensive insurance, there are two types of insurance. The first one is collision coverage. When a car has an accident and there is a damage to the car, the insurance will cover the damage. This is collision coverage. Next is personal injury coverage. When a driver has an injury, the insurance will cover it. These are all comprehensive car insurance. When we talk about comprehensive car insurance
, do you know bumper to bumper? Generally, if there is an accident, the money will go to the third party. If there is a problem with the driver, the insurance will cover it. This is comprehensive car insurance. When we talk about comprehensive car insurance, there are many add-ons. But, there is another new type of insurance. There is a link below if you want to know more about it. Suppose, there are two cars in a family. If we drive only 10,000 km, why do we need comprehensive car insurance? Wh
y do we need to pay the full amount? If we are going to drive only 10,000 km, why don't we pay the insurance for 10,000 km? How would it be? All these are available in India now. Based on the km, how many km you drive, you can get the comprehensive car insurance for that km. Comprehensive car insurance is used by people who live in cities. It is used by scooters. It is used by people who want to take a car for a long time. It is called pay-as-you-drive plan. So, pay-as-you-drive. You just need t
o pay how much you drive. Suppose, I have taken an insurance for 10,000 km. If I want to drive another 15,000 km, can I add on another 5,000 km? Yes, you can. Suppose, I have taken an insurance for 15,000 km. I have driven only 10,000 km. Can I carry on the remaining 5,000 km? Yes, you can. Just like how we have 2 GB of data in our mobile phone, we have a plan for the same. It is a new plan. If you have a car, and if you have another car, you can calculate how much it will run in a year. Pay-as-
you-drive plan is very important. Since many people don't know about it, we have taken comprehensive insurance. Comprehensive insurance or pay-as-you-drive plan has add-ons. What are the add-ons? No-claim bonus. If you don't have an accident this year, you have to take insurance with no-claim bonus if you have insurance for no-claim bonus, zero depreciation or nil depreciation, roadside assistance. If your car's tyre got hit or the engine got upset, you will be standing in the middle of the road
. If you take roadside assistance, you call the customer care, take your location, take a photo and send it. From the nearest service centre, they will change your car, fuel or tyre and send you to another place. This is why roadside assistance is needed. Repair of components. Some car insurances will tell you what to do for components or consumables, labor charges etc. Some insurances will tell you that all the components will be covered by the insurance. Daily Allowance. If your car got hit an
d waiting for the insurance to claim, what to do? Some insurances will tell you that you have to pay the daily allowance. Hotel Expenses. If your car got hit and you have to stay in a hotel, who will bear the expenses? Insurance. Return to Invoice. If your car got damaged and you can't repair it, the insurance will cover the total loss. Return to Invoice. Make sure that your insurance is covered. Key Replacement. Key replacement is expensive. Remote sensing keys are expensive. If your key is mis
sing, have you taken the key replacement? Check if your insurance is covered. Check if the engine is secure. Check if the engine is protected. Check if the insurance is covered. Consumable Expenses. Loss of Personal Belongings. If your personal belongings are missing, the insurance will cover that too. Next is Tire Secure. If the tire is punctured or broken, the insurance will cover it. Next is Flood. What to do if your car gets damaged? Will the insurance cover it? To know all these, you can us
e the link below. Accident damage, 24 hours assistance, and more than 20 car insurance companies. With these options, you can get the best information you need. You can choose the insurance based on the information. Cashless garage facility. No paperwork required. Zero depreciation. Engine protection cover. Return to invoice cover. No claim bonus. You can get all these options. Write down what I said in a notepad. Before taking an insurance, if the insurance company calls you from the link below
, or if you go alone, you can compare the premium of the insurance with the premium of other insurance companies. Then you can take an insurance. Or you can ask for a pay-as-you-ride insurance. You can get a clear view on car insurance. You can also get a complete list of insurance options. Use the link in the description. Share the good and let us build a good society Thank you. Vanakkam
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