TRUTH of ZERO DEPRECIATION in Insurance || इनश्योरेंस में जीरो डेप्रिसिएशन का सच
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- Опубликовано: 6 янв 2023
- TRUTH OF OF ZERO DEPRECIATION IN INSURANCE||इनश्योरेंस में जीरो डेप्रिसिएशन का सच
#dhcsolutions #carinsurance #hindi #zerodepreciation
Hi I am Harvinder Singh
हम अपनी कार/बाइक बीमा पॉलिसी में जीरो डेप/निल डेप कवर लेते हैं, यह मानते हुए कि अब होने वाले हर नुकसान का भुगतान बीमा कंपनी द्वारा किया जाएगा। लेकिन जब ऐसा कोई नुकसान होता है तो बीमा कंपनी हमारे क्लेम से कुछ राशि काट लेती है या किसी भी क्लेम का भुगतान करने से पूरी तरह इनकार कर देती है और हम इस बात से हैरान रह जाते हैं...
आज के इस वीडियो में हम जीरो डेप्रिसिएशन कवर की सच्चाई जानेंगे
1. एक सामान्य फर्स्टपार्टी पॉलिसी में क्या नुकसान कवर किया जाता है?
2. पॉलिसी में जीरो डेप्रिसिएशन ऐडऑन लेने के क्या फायदे हैं?
3. जीरो डिप कवर लेने के बाद भी क्लेम की राशि का पूरा भुगतान क्यों नहीं किया जाता है?
4. ऐसी कटौतियों से बचने के लिए आप क्या कदम उठा सकते हैं?
आइए वीडियो देखें और डीटेल में समझें...
We take zero dep/nil dep cover in our car/bike insurance policy assuming that now every loss occurred will be paid by insurance company. But when any such loss arises insurance company deducts some amount from our claim or totally deny to pay any claim and we are surprised by this...
In today's video we will know the truth of Zero Depreciation cover
1. what Loss is covered in a normal first party policy?
2. What are benefits of taking a Zero Depreciation addon in policy?
3. Why is claim amount not paid completely after taking zero dep cover also?
4. What steps you can take to avoid such deductions?
Let's watch the video and understand in details...
अगर आप हमारे वीडियो को पसंद करते हैं, तो आप हमें सब्सक्राइब कर सकते हैं:
/ @insuranceimpact
यदि आप मोटर बीमा के बारे में जानना चाहते हैं: क्लिक करें
• MOTOR INSURANCE
यदि आप स्वास्थ्य बीमा के बारे में जानना चाहते हैं: क्लिक करें
• HEALTH INSURANCE
Editing Credits AA ARTS👉 / @aaarts7419
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Music Credits:-
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कृपया COMMENT करें यदि आपके कोई प्रश्न हैं, तो हमें आपकी शंकाओं का उत्तर देना अच्छा लगेगा।
अपना ख्याल रखें और स्वस्थ रहें!
#dhcsolutions #hindi #insurance #carinsurance #zerodepreciation #insurance #carinsurance #bikeinsurance #motorinsurance #vehicleinsurance #insuranceagent #insuranceimpact @insuranceimpact #dhcsolutions
Very very thank uPlease make more videos like this
Very 2 informative video......बहुत ही अच्छे तरिके से समझातें है सर 🙏
खुप छान सर
Mene bahut se video dekhe insurance ko samjhne k liye pr apke is video se mujhe clear knowledge ho gya thank u...
Thanks for your precious time !
Thank you for the sharing such valuable information in easy to understand manner.
Appreciate your efforts.
सही समझाया भाई, thanks
Lovely explanation bro, thanks for making this video ❤❤
Nice video.. Brother.. Thanks
Very nice information.👏👏👍
Most information video good
Nice information
Very nice
Nice video
very nice
शानदार
Thanks for your Mention !
पैसा देखे भी इतना अच्छा कोई नही समजा सकता है बहुत अच्छा एक्सप्लेन कर की पुरी इन्शुरन्स की डेफिनेशन और उसे कैसे युज करना है ये सिखाया आपने बहुती धन्यवाद आपका
🙏🙏
Dekhe nhi dekar
🙏❤️💫🙏जय हो 🙏❤️🔱🙏
Bahut achaa saj aaya sir
Thanks for your mention !
बहुत बढिया समझाया
Thanks !
very good informative video
Thankyou !
no one can explain better than you on youtube. good sir 😊
nice sir
Thanks and welcome !
Very informative 👌
Hyundai i10 ko 6year hogaya, mera bajaj Allianz ka insurance hai, kya zero depp add hoga kya?? Aur hoga to kya claim milega??? Please reply fast
Sir add hoga to claim jarur milega. Aur agar previous policy me zero dep hai to mil sakta hai.
जय श्री राम की 🙏🔱❤️🙏
🙏🙏 Jai Shree Ram Bhai ji !
Nice Information sir Best insurance company for car insurance konsi h plz reply
Bajaj Allianz
Pls watch ruclips.net/video/9UOz3q0xG_Q/видео.html
Brother third party aur first party insurance kya alag alag lena padtha hai ya ak hi insurance mai ho jata hai.
First party insurance mein third party already added hota hai.
Only Third party Policy aap alag se bhi le sakte hain ji.
Sir, accident me gaadi damage hai aur tyre phat gaye hai... car ka 4.5yrs age hai...aur zero dep hai... toh tyre pe 100% claim milega yaa kam?
Sir Tyre,Tubes, Battery 50% is Covered.
Sir aisa shi me hai kya Glass,headlight aur lohe me 100% percent depreciation hota hai chahe gaadi purani ho ?
Sir Glass part ka pura claim milta hai chahe gadi purani ho.
Bhai maine apne bike ka ICICI Lombard ka insurance karaya tha with zero dep. Jab maine insurance claim kiya toh total bill 4210 rs ka aaya. But surveyor bol rha hai ki iska 28% GST cut ke hi baaki ka paisa wapas hoga. Matlab 4210 maine pay kiya but mujhe sirf 3031 hi milenge aisa surveyor bol rha hai toh kya wo sahi bol raha hai aur mujhe ab kya karni chahiye? Please reply fast 🙏🙏🙏🙏
Agar GST hai to galat hai , sahi reason pata karein.
@@insuranceimpact ok bhai dekhta hu.. thank you so much for replying on time 🙏
Mene zero dep insurance liya tha ifco Tokio ka mujhe 5% bol rhe hai parts k claim k time 1000rs file charge plus 750rs parts k ...parts ka 750 thik bol rhe hai 5%?
Agar Metal Parts Ka 5 % 750 Rs hai To sahi hai. Damaged Parts aap le sakte hain.
Sir zero depth me agar gadi ka accident hojaye jisse car engine bhi damage ho jaye to kya hum claim le saktey hai
Engine ka
Hnji , le sakte hain.
Sir meri bike ka avi accident hua hai mera insurance 1st party 0% debt hai ( To Yahama showroom wale mujhe sirf 80% claim de rahe hai aasa kyu ? Meri bike pura demage ho gya Kya mujhe 100% claim nhi milega or meri bike 8 months old hai bss 1 year v complete nhi hua hai 😢
Sir pura IDV ka cliam milna chahiye agar apki bike total loss hai to. 20 % deduction ka sahi reason puchiye aur agar sahi reason nahi hai to claim accept na karein. Direct surveyor se bhi is bare mein baat karein.
I've zero depriciation on my new bike
When I had claimed the 1st insurance policy,showroom asking me for 10% charge on my metal parts and no any other parts charges
What can I further do?
It's basically salvage charges but it should be less than 10 %. Pls watch for more details on salvage charges ruclips.net/video/5EeJLLyDZno/видео.html
is dent and scratches covered in Zero Dep ? Kindly reply Sir please 🙏🙏
??????????
Dents can be covered for repair, but immediately after the accident. Scratches are generally not covered.
Agar gadi ka koi part chori ho jata hai jiski coast jyada ho wo cover hoga kya policy me
Yes Sir, Cover hoga. Ise Partial Theft Kaha Jayega. Clain process same hai Gadi chori wala.
For more details watch ruclips.net/video/QLj-oCs1QSw/видео.html
Zero dep me metal part salvage lagta hai kya
Yes.
Meri RR310 bike hai 2019 ki model aur maine 2nd hand li 2022 mai. Reliance General Insurance liya hai maine Zero Dep. Mera accident hua tha jisme bike ke ek side fully damage hua tha jaise front fork seal, fairings, side indicators, panels, gear level, clutch lever, bar ends, etc. Total bill hua 25k aur mujhe Reliance walon ne sirf 15614 rs diye aur explanation diya ki parts ka GST nai dete sirf taxable ammount dete hai. Maine complaint kiya toh unhone mujhe liability sheet email kiya jisme saara explaination tha ki sirf 15614 rs kyun diya hai. Kya sahi mai aisa hai ki fraud hua hai...plz bataye.
Ok, with GST Mrp ka claim milna chahiye. Apko sirf File charges, upto 5 % salvage on metal parts, Consumables like Nut Bolts etc ka Amount pay karna hai.But apke approved amount se lag rha hai ki jyada deductions hui hain. Aap Reliance General Insurance K Greivance department mein baat kar sakte hain- www.reliancegeneral.co.in/Insurance/About-Us/Grievance-Redressal.aspx
Agar baat na bane to Last Option is Insurance Ombudsman.
Click on link above and find details.
Ye galat hai,agar bill insurance company ke naam se banta to unhen GST tax input me return ho jata,bill apke naam ka bana hoga, but ye galat hai , complaint kariye
Sir gaadi ko 6 saal ho gaya hai. Zero dep nahi hai. Kya glass 100%covered hai
Hanji , covered hai.
0 dep insurance me self se gadi damage hogyi toh insurance mile gi...?
Bilkul milega sir. Approved Parts ka MRP ka claim milega.
Bhai ek saal me zero dep policy me kitne claim le skte hai 100℅ claim ke sath?
Kuch company unlimited zero dep claims deti hain aur kuch saal mein 2 zero dep aur normal claim unlimited. Aap apni insurance company k toll free no pe call kar k confirm kar sakte hain.
Zero dep insurance liya he or gadi ka piche ka bumper ka labour and painting ka 50 % charge lagega bol hahe he kya ye sahi he
No, complete claim should be paid.
Sir Return to invoice. Kya hota hai car insurance mein ?
Pls watch ruclips.net/video/YV2wnTxketg/видео.html
Sir agar Ghar gadi khadi h or pure city m baad aage to kya claim milega
Zero dep mein jyada claim paas hota hai. Commercial Vehicle mein apki Policy wordings mein Mention hoga ya apne Insurance agent se confirm karein.
Sir meri zero dep insurance hai lekin fir bhi TVs Wale 10%lete h ...kehte h salvage kat ta hai
For salvage details Pls watch ruclips.net/video/5EeJLLyDZno/видео.html
5% metal parts ka replacement charge mang rhe h ? Sahi h kya ?
Salvage Charges are valid.Pls watch. For more details.
सर जी इंश्योरेंस कंपनी मेरी कर को टोटल लॉस कर रही है और मैं चाहता हूं ऐसा नहीं हो मैं गाड़ी को रिपेयर करवाना चाहता हूं मुझे क्या करना चाहिए
Sir log to request karte hain company se ki meri gadi ko total loss kar dijiye. Kyonki gadi agar itni jyada damage ho jaye to wapas se same tuning ana mushkil hai.
my vehicle is 7 years old.. Kay zero dept benefit or not? Bajaj all I and offer deraha hai
Kuch Companies apko 7 saal tak bhi zero dep de dengi Like Bajaj. Agar De rhi hain to coverage milega.
Mera bhi Bajaj Allianz ka insurance hai, 6saal hogaya, kya zero dep lena chahiye??? 3saal phele claim Kiya tha, iss saal 30% NCB milega!
Konsa liya??
सर मै बहुत कनफ्युज हू,मेरी गाडी से नीलगाय टकरा गया तो राईट साईड का दोनो डोर,फेंडर,हैडलाईट, डैमेज,टूटा है, मैने सब पार्ट को नये लगाने को कहा है, तो क्या हमको पैसा देना पडेगा, बीमा जीरोडब,है, गाडी नवम्बर 2022 में ली थी🙏
नही, आपको पूरा MRP का क्लेम मिलेगा। बस काम स्टार्ट करने से पहले ये जरूर पूछ लें की सारे पार्ट सर्वेयर ने पास तो कर दिए हैं? बाद में अगर पता चला की कोई पार्ट अप्रूव नहीं हुआ तो उसका पैसा जरूर जेब से देना पद सकता है।
@@insuranceimpact सर यह तो हम पूंछ नही पाऐ, और गाडी भी 30-4-23 को देने को कहे है,अब क्या करें।
@@user-lu1bp2yp3s Ab puch lo Sir.
Sir oxygen sensor par claim milta hai?
Not sure.
@@insuranceimpact mil gaya.
Sir mera 5sal old bike h but mera zero dep insurance h Claim karne pe usme humko service centre pe 50% pay karna bol rha h kya kare please help me sir
Agar zero dep hai to Part ka pura Mrp milega. Aap service centre se 50% dene ka reason puchiye.
Unho ne ye bata rha h ki bike ka age 5 year hogya yese bol rahe h
Please contact no
@@MDSaddam-ek8eg agar zero dep policy hai to claim se Paisa nahi katega, bike kitni bhi purani ho.
@@MDSaddam-ek8eg 8307026472 WHATSAPP ONLY
Zero dep insurance me chori hone par milta hai kya
Theft Covered hai. Bina Zero dep bhi agar comprehensive policy hai to Bhi Chori hona covered hai.
😮mere car ka comprehensive policy thi lekin ab zero dep leya ha to kay claim le sakte ha kay zefo dep se
Nahi sir, Zero dep add on lene k liye apki previous policy mein ye addon hona chahiye. agar nahi tha to renewal k time gadi ki inspection ho k zero dep add kiya ja sakta hai.
@@insuranceimpact inspection to online kiya tha . Or old normal damages ki jagah agar accident ho jaye to claim to melega na . Esa to nahi ha na ki old damge kehkar claim reject kar de replay sir
Inspection mein jo parts damaged hain unka claim nahi milega. Inspection isi liye ki jati hai.
@@insuranceimpact agar genuine accident ho jata ha tab bhi
@shaktisinghdeora already damaged parts dobara damage ho jate hain to reject ho sakta hai.
Kiya gari ka tary milta ha Kiya zero dep
Please share
Mera accident ma dmg huwa ha
Tyre ka 50 % Milega. MRP ka Aadha claim.
सर मुझे policy Karachi
Aapana to car chori ka Bara me batya nahi
Pls watch ruclips.net/video/QLj-oCs1QSw/видео.html
Real video starts at 2:00, this guy waste lot of time to explain simple things
Trying to be straight forward in latest videos Brother.
Thanks for Your valuable feedback !