New Car Insurance Guide - Bumper to Bumper vs Comprehensive - NCB - எது?

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  • čas přidán 28. 09. 2021
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Komentáře • 73

  • @PraveenKumar-hm3lq
    @PraveenKumar-hm3lq Před 10 měsíci +8

    Car insurance is of 2 types
    1. Own damage insurance (covers your own vehicle and you)
    2. Third party insurance ( covers only the opposite party and his/her vehicle)
    Own damage is optional and 3rd party is mandatory .Comprehensive insurance is combination of above two policies into a singe one meaning comprehensive policy = own damage + third party.
    The popular term Bumper to bumper is an add-on in own damage policy which we should buy at an additional cost.
    Own damage policies comes with varieties of add-ons which you can select carefully while buying. with out that a simple own damage policy will cover only partially.
    names and terms differ from one insurer to another. Bumper to bumper add-on is same as zero depreciation or depreciation reimbursement.
    I recently claimed od insurance for my car with zero depreciation. so here are some points to be noted..
    1. zero depreciation cover can be used only twice and for first two claims per year only. after that even if you have zero dep. cover it wont applicable on 3rd claim onwards per policy.
    2. Even with all the add-ons one should pay the minimum "compulsory deductible" for each claim. rs1000 for upto 1.5cc of engine capacity.
    3. You can buy zero dep. cover only if your car is upto 7 years old. older cars can't get this addon cover.
    My total bill for repairing right side front,back doors and quarter panels, wheel arch panel with dent removal, re-painting cost aprox 20k. I paid a total of 1000 only. I have od insurance with zero dep. policy premium was around 10.5k for one year. Hope this helps everyone

  • @sathiyaseelant6017
    @sathiyaseelant6017 Před 2 lety +2

    Really much needed info for new car buyers..Thanks ji...

  • @ashokqc3040
    @ashokqc3040 Před 2 lety +1

    Really excellent explanation about insurance matters, great work bro, keep doing well..🤗🤗🤗

  • @divaharm4787
    @divaharm4787 Před rokem

    Nice and crisply explained the whole insurance thing. Great work

  • @srinivasanvaradaraju6269

    Thanks for yours effort about insurance policy issues

  • @avim4896
    @avim4896 Před rokem

    Excellent explanation bro very clear to the point

  • @Nagathermal
    @Nagathermal Před 2 lety

    Super really i cleared about insurance criteria thank you

  • @sriramravi2936
    @sriramravi2936 Před 2 lety +1

    Good information. Thanks Balaji.

  • @svbaskar
    @svbaskar Před 2 lety +1

    Thanks bro It was informative. Bumper to bumper engine not covered Is it must to take insurance for engine also separately ?

  • @rajeswaris9764
    @rajeswaris9764 Před 2 lety +1

    nice information sir, I am doing motor insurance under United India Insurance..

  • @ramesht1707
    @ramesht1707 Před rokem

    Excellent speech,congratulations brother

  • @sohailurrahmans2530
    @sohailurrahmans2530 Před 2 lety +1

    Great information Thank you ji

  • @GoldyMinchu
    @GoldyMinchu Před rokem +1

    Very clear and useful

  • @ganeshthangappan4438
    @ganeshthangappan4438 Před 2 lety +1

    Nice bro, thanks for the great information 😍

  • @balajij7491
    @balajij7491 Před 2 lety +1

    Thanks for your information.

  • @arunkumarduraisamy4063
    @arunkumarduraisamy4063 Před 2 lety +1

    Thanks suresh for indepth details. ❤️❤️

  • @venki232323
    @venki232323 Před rokem

    Very Knowledgeable guy

  • @raminformatique6422
    @raminformatique6422 Před 2 lety +1

    Thanks for the information bro

  • @JPCBE
    @JPCBE Před 2 lety +1

    Good video usefull topic

  • @jameskishore1844
    @jameskishore1844 Před 2 lety +1

    Good job sir

  • @sridhars997
    @sridhars997 Před rokem

    Bro na new car august month vanguna appo enaku b2b insurance potaga, car eduthu one month la back side la oru scratch agidichi, first service vitum bothu service center la itha claim pannikalam sonaga, ennaku no claim bonum theriyathu, so na claim panniten, ippo again one front la damage agiruku na again claim pannalama, ila panna kudatha ithatho advantage and disadvantaged konjam sollluga

  • @sureshkumar-wt1lx
    @sureshkumar-wt1lx Před rokem

    Good one bro 👍

  • @noblesd7925
    @noblesd7925 Před 6 měsíci

    ✨ Thank you bro very useful video ✨

  • @srkkhan3640
    @srkkhan3640 Před rokem

    Hi bro, iam having 2017 model car.. i planned to put comprehensive.. Can we put the insurance in phonepe .. Is that okay ?

  • @sashmithun
    @sashmithun Před rokem

    Bro 1yr complete and want to renewal insurance, yepdi yen car number potu compare panrathu bro? For maruti xl6 HDFC Ergo la idv: 10.7L, premium: 17k solranga, best ah bro?

  • @johnleojohnleo9533
    @johnleojohnleo9533 Před 2 lety +1

    Thank u very much sir

  • @vinodkumar-py7xw
    @vinodkumar-py7xw Před 4 měsíci

    Sir, enaku oru doubt.. na skoda slavia car ku bumper to bumper insurance eduthu iruken,.40 days la oru chinna incident la front left tyre burst agidichi,and alloy wheel damage agidichi and disk bend achi... Edhuku insurance claim aguma ?? ICICI lambord insurance esuthu iruken....

  • @vidhyasahara2078
    @vidhyasahara2078 Před 2 lety

    Oru example bumber to bumper insurance la claim pandrapo 40000 agudhu apdina na evlo pay pandramari irkumm

  • @Thiru_Navukk_Arasu
    @Thiru_Navukk_Arasu Před 2 lety

    Third party insurance la Accident anavangaluku evlo % varum bro ?

  • @rameshkannan4458
    @rameshkannan4458 Před 13 dny

    Online la nama insurance pay pannalama bro paytm and phonepay....safe than bro ila claim la ethavathu problems varuma bro

  • @ATK_OSTs
    @ATK_OSTs Před 7 měsíci

    Bro can I change the policy from comprehensive to B2B.. as i have registered befor a week.. still didn't take delivery..

  • @nithyakumarwhatsappstatus1034

    அருமை

  • @anandhana5568
    @anandhana5568 Před 2 lety +1

    Arumai

  • @saranavanakumarsaravanakum5843

    Super Balaji

  • @baskarr3394
    @baskarr3394 Před rokem +1

    Superb

  • @keerthirajshanmugam6600
    @keerthirajshanmugam6600 Před 9 měsíci

    Own damage home la gate la dent ana claim panalam

  • @SaravanaKumar-ry3be
    @SaravanaKumar-ry3be Před 2 lety

    Bro like steering motor, master cylinder etc are covered under btb insurance?

  • @tamilanabdulkadhar4497

    Iam waiting for your videos

  • @dharmarajraj4581
    @dharmarajraj4581 Před rokem

    Maruthi swift car year % yavlo sir

  • @jothilingamvaithialingam8215

    Hi ji minor dent removal and painting for new car can we goto showroom or outside.Suggest on this.

    • @CarcontrolDrivingAcademy
      @CarcontrolDrivingAcademy  Před 2 lety +2

      If it's minor, service locally. For dent it will be okay, check for painting alone. See if they can Match the color and do properly. But yes ji, you can do locally. Enquire the cost alone see If it exceeds 3000, if it's more. Go to service station and claim insurance. Please note - your insurance company will have to be informed - Reporting to be made within 24 hours to 7 days based on insurance company. Hope, you understand what I mean !

    • @jothilingamvaithialingam8215
      @jothilingamvaithialingam8215 Před 2 lety +1

      @@CarcontrolDrivingAcademy Thank you ji

  • @srashok7
    @srashok7 Před rokem

    Super 😮

  • @addicttoride2404
    @addicttoride2404 Před rokem

    Bro old model car vachirikke full cover insurance edukka mudiuma

  • @prakashavr2341
    @prakashavr2341 Před 2 lety +1

    thanks sir

  • @Eeeee0066
    @Eeeee0066 Před 2 měsíci

    Premium na? Premium monthly ah illa yearly ah?

  • @sh3jerry
    @sh3jerry Před 2 lety

    Bro, I am about to book Grand i10 Nios this week. The showroom allowed me to take the insurance outside.
    The Ex-showroom price is 7,92,450.
    Need ur inputs on the insurance part. How much will it cost for B2B.?

    • @CarcontrolDrivingAcademy
      @CarcontrolDrivingAcademy  Před 2 lety

      Should come around 20 to 25 K an year ( around 3 percent of 95 percent of 792450) and based on the plans you prefer. Whatsapp me in case you don't understand. Number in website.

  • @GajendranGD-go5ye
    @GajendranGD-go5ye Před 11 měsíci

    Disc demage cover ah

  • @ranjiths8686
    @ranjiths8686 Před rokem +1

    Bumper to bumper and zero depreciation both r same ?

  • @nbcreationsofficial...1949

    Sir I took insurance from car showroom itself, they didn't allow me to took Insurance outside...
    I have one doubt .. my car(altroz petrol) exshowroom room price is 785900/-.... But IDV value they kept is 752000/- for new car only depresiation value 34,000/- ... Am I cheated from them.?...

    • @CarcontrolDrivingAcademy
      @CarcontrolDrivingAcademy  Před 2 lety +2

      Right from day 1 insurance of the car is depreciated at 5 percent for IDV (Insured Declared Value). You are not cheated. This appears to be the correct value

    • @nbcreationsofficial...1949
      @nbcreationsofficial...1949 Před 2 lety

      Thanks for information 😊

  • @ganesannaga7783
    @ganesannaga7783 Před 18 dny

  • @arunbprasath
    @arunbprasath Před rokem +1

    Bumper to bumper insurance does not full amount, still lot of parts are not claimable, approx 10% we have to pay

    • @mattermamey9831
      @mattermamey9831 Před rokem

      i did not pay even single rupees when my car was on total loss

  • @kiranj9799
    @kiranj9799 Před 2 lety

    Hello sir, We sold our old Omni which had 50% NCB on it. We purchased Baleno with new insurance without the NCB benefit of my old vehicle a few months back as the RC name transfer of Omni was delayed.
    Recently we claimed the Baleno insurance as we met an accident. My question is after the claim can I transfer NCB benefit from my Omni which I sold to my Baleno's 2nd-year insurance renewal?

  • @musicsureshkumar7975
    @musicsureshkumar7975 Před 2 lety

    அருமை சார் ஆனால் ஐஸ்கிரீம் உதாரணம் பதிலா வேற முயற்சி செய்து இருக்கலாம்

  • @navaneethakannan6417
    @navaneethakannan6417 Před 2 lety

    Best insurance company yethu sir 1 yr finish aana eppadi insurance pannalam entha company best soliuga sir

    • @CarcontrolDrivingAcademy
      @CarcontrolDrivingAcademy  Před 2 lety

      In my opinion all cashless insurance processing companies are good. Call up your service centre and ask- Which insurance company is smoothly processing all claims ? Which insurance company seems to be hassle free?

  • @dharmaraja5020
    @dharmaraja5020 Před rokem

    Bro ippo 1+3 year policy edutha engine cover , zero depreciation lam potruka athu 1 year ku valid ah illa 3 year ku valid ah

  • @navalanprabagar8083
    @navalanprabagar8083 Před rokem +1

    First time car buy panra apo.
    Third party ins. 3 years
    Comprehensive ins. First year only.
    Ipo buy panra apovae Comprehensive ku bathila..
    Intha bumper to bumper ins. Podanuma. Ila.
    Comprehensive ins. Kuda
    Additional ha bumper to bumper ins. Podunuma. Ha
    Buy panra apo, showroom la Namba solanuma.
    Bumper to bumper ins. Podunga. Nu.
    Yena pananum solunga..

  • @vijaykumar-bb9wk
    @vijaykumar-bb9wk Před rokem +2

    மகிழுந்து வாங்காமல் இருப்பதே நன்று

  • @sorkish
    @sorkish Před 2 měsíci

    வாயா கிறுக்கா இன்சூரன்ஸ் ஃபஸ்ட் கரெக்ட்டா பார்த்து பேசு ஓகே அதுல எவ்வளவு வெயிட் வருதுன்னு தெரியுமா உனக்கு என்ன ஆக்சிடென்ட் பண்ணி இருக்க மாட்டேன்னு நினைக்கிறேன் அதனால தான் இப்படி பேசிட்டு இருக்க ஒரு தடவை காரை போய் அடுத்த இடிச்சு பாரு தெரியும்