Izvo Muridzi Wese Anofanira Kuziva Nezve Yakavanzika Mota Inishuwarenzi uye Bike Inishuwarenzi Yekuvandudza muna 2025

Kuvandudza yako yakavanzika mota kana bhasikoro inishuwarenzi harisi basa renguva dzose, asi zvakare chinodikanwa chepamutemo. Sekurayira kweDare Repamusorosoro, mitemo yese yeinishuwarenzi yemotokari inofanirwa kusanganisira makore matatu evhavha yemunhu wechitatu. Pamusoro pezvo, pasi peMota Vehicles Act, 1988, kuve neinishuwarenzi yechitatu-bato inosungirwa kune vese varidzi vemotokari muIndia.

Saka, kutadza kumutsiridza inishuwarenzi yemotokari nenguva kunogona kutungamirira kuzvirango uye kurasikirwa kwezvikomborero zvakakosha seNo Claim Bonus (NCB), kunyanya kana mutemo ukapera kwemazuva anopfuura makumi matatu. Nekudaro, iyi blog inokutungamira mune zvese zvaunoda kuziva nezve kuvandudza yako inishuwarenzi yemotokari muna 30.

8 Mazano ekuvandudza Mota kana Bike Inishuwarenzi

Heano mamwe matipi ekuti iwe uite sarudzo ine ruzivo rwekuti ungawana sei yakanakira sarudzo yako private car insurance kana kuvandudza inishuwarenzi yebhasikoro.

1. Ongorora Yako Yazvino Policy: Mazera emotokari yako, uye kuderera kunoenderana neIDV yako. Izvi zvinogona kushandura sarudzo yako yekuenderera mberi nehurongwa huripo kana kusarudza zvimwe zvirongwa zvekuvhara.
2. Enzanisa Mitemo Yakasiyana: Enzanisa purogiramu yako iripo nemamwe mapurogiramu einishuwarenzi. Ita shuwa kuti unoenzanisa iyo yekuvhara pateni, mutengo, uye Claim Settlement ratio (CSR). Izvi zvichakubatsira iwe kuti uwane iyo yakanakira mutemo iwe.
3. Tenga Inishuwarenzi Yako Pamhepo: Kana iwe wakambotenga yako inishuwarenzi kunze kwenyika, saka iwe unofanirwa kuwana a bhasikoro inishuwarenzi kuvandudzwa kubva kune online inishuwarenzi inopa. Izvi zvinodaro nekuti digitization yaita kuti mabasa einishuwarenzi ave nyore uye nekukurumidza.
4. Kuvimbika Discount: Mazhinji einishuwarenzi anopa kutendeka kuderedzwa kune vatengi vavo kuve mutengi akavimbika kwemakore akawanda. Tarisa kana insurer yako ine nhoroondo yekupa kuvimbika zvidzikiso usati waendesa kune imwe inishuwarenzi yakasiyana.
5. Tarisa Kutamiswa kweNCB: NCB idhiresi yaunogamuchira yekusatora mugore. Mutengo wekuderedzwa unowedzera gore rega rega raunopfuura usina kuita kudai. Uyu mwero wekuderedzwa unogona kukwira kusvika pa50% kuderedzwa pamaprimiyamu. Nekudaro, ita shuwa kuti yako yakaunganidzwa NCB inotamiswa zvakare, kana iwe uchivandudza inishuwarenzi yako.
6. Gadzirisa Ruzivo Rwako: Paunenge uchivandudza inishuwarenzi yako, ita shuwa kuti ruzivo rwese rwemunhu, senge kero yako kana nhamba yekuonana, yaunopa ndeyechokwadi uye ichiri parizvino.
7. Verenga Mitemo neMamiriro: Paunomutsiridza inishuwarenzi yemotokari yako mushure mekuita tsvakiridzo yakakosha pamusoro pekuvimbika kwavo, mutengo uye kuvharika, ita shuwa kuti wanyatsoverenga mazwi nemamiriro einishuwarenzi wako waunosarudza.
8. Isa Anti-Kuba Devices: Kuita izvi kunobatsira kusimudzira yako Insured Declared Value (IDV) panguva yekuvandudzwa kweinishuwarenzi.

Nguva Yakanakisa Yekuvandudza Inishuwarenzi Yemotokari Yako

Nguva yakanakisa yekuvandudza inishuwarenzi yemotokari yako ndeye kana iwe uine nguva yakakwana yekuongorora yako yekuvhara zvinodiwa, tsvagurudza zvakapoteredza, uye sarudza inshurensi yakakodzera kwazvo. Nyanzvi dzinokurudzira kutanga hurongwa hwekuvandudza mazuva gumi nemashanu kusvika makumi matatu isati yapera mutemo wako uripo. Kuvandudzwa kwekutanga hakungope kuvharika kunoenderera asi zvakare kunodzivirira kukanganisa kwepolicy njodzi.

Kana iwe wakanonoka kune zuva rekuvandudza, usanetseka. Mazhinji makambani einishuwarenzi ane nguva yenyasha yemazuva gumi nemashanu kusvika makumi matatu mukati menguva iyo iwe unogona kuvandudza mutemo pasina kurasikirwa nemabhenefiti aunenge wawana. Asi kana mutemo ukaramba uripo mushure menguva ino yenyasha, unogona kurasikirwa neNo Claim Bonus (NCB) uye unofanirawo kuenda kunoongororwa motokari.

Ramba uchifunga, zvakadaro, kuti kana mutemo wako wega unopera uri Wako Kukuvadza (OD) asi Chechitatu-Bato (TP) chivharo chichiri kushanda, unogona kungovandudza chivharo cheOD zvakasiyana mukati menguva inomhanya yeTP.

5 Zvinhu Zvekufunga Paunenge Uchisarudza Mota Yako kana Bike Inishuwarenzi

Zvimwe zvinhu zvakakosha zvaunofanira kufunga nezvazvo usati wapedzisa mota yako kana bhasikoro inishuwarenzi yekuvandudza ndeiyi:

1. Coverage Type: Ongorora zvido zvako zvekuvhara ikozvino zvichienderana nekushandiswa, kugona kwemari, kuderera kwehuwandu uye IDV yemotokari yako.
2. Update the Riders: Iwe unogona kugadzirisa ma-add-ons emotokari yako kana inishuwarenzi yebhasikoro panguva yekuvandudzwa. Ongorora vatasvi vese uye sarudza avo aunoda zvechokwadi.
3. Network Garage: Tsvaga nzvimbo yemagaraji iyo insurer yako ine mune network yayo. Sarudza iyo ine yakanyanya density yema network magaraji ari padyo newe.
4. CSR: Claim Settlement Ratio kana CSR ndiyo metric inoratidza kuti kakawanda sei insurer yako inogadzirisa chikumbiro. Kazhinji, CSR ye90 kana pamusoro inoonekwa seyakanaka.
5. Nyasha Nguva: Vandudza inishuwarenzi yako mukati menguva yenyasha iripo kudzivirira kurasikirwa.

Final Thoughts

Zvino zvawava nekunzwisisa kwakajeka kwezvinhu zvakasiyana-siyana uye metrics pasi pemotokari uye bhasikoro inishuwarenzi, zvichave nyore kwauri kuita sarudzo yehupfumi paunenge uchivandudza mota yako inishuwarenzi. Rangarira, iwe unogona zvakare kugadzirisa yako inishuwarenzi chirongwa nekutenga mamwe maAdd-ons. Izvo zvakare zvinogoneka kudzora IDV yako kuti uwane yakanyanya kukodzera inishuwarenzi chirongwa chako.

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