Very useful information I face lot of issues with this insurance I took from Shriram..claim is too hard...not easy and as you said I added all add-on benefits even though they are bargain with me ..I spend more then 2.5 Lak they said they can give 1lak...I went to complaint so many gravience then I got only.2lak. Note here I paid full amount from my pocket then this amount after 2months only reflect to my account. Next time I won't choose Shriram insurance
Last week i bought kwid and they quote me around 38k as insurance and fastag 600rs. I said big NO and told them that i will take the insurance and fastag by myself. Got the zero depreciation insurance at 12k and 100rs fastag.
@@paperdragon48 I have made claims for my another car in ford service center itself. There is no need to worry on claims, if everything is right from our side.
I am so fortunate to end up with this video as my OD is expiring in two weeks time. I have looked out at so many videos also gone throughout reddit. This video almost covered a lot of things. Thanks Birlas parvai for saving many us from evrerday hassle.. 😊
Periya city la illa.. Accidents nadakkurathu romba rare nu feel panreenga naa thairiyamaa 3rd party cover mattum pottae legal aa vandi ottalaam... Naa Tirunelveli la 8 varusham aa Honda Jazz i-Dtec kottitu irukkaen.. 2nd varushathula irunthu 3rd party insurance thaa...1,67,000 Km ottirukkaen Neraiya cost save panlaam insurance la. prechana vanthaa silavu pannanum... European brands o, Mahindra vo, Tata vo vachirunthaa full bumper to bumper podrathu thaa better ngru en opinion. En pudhu CB 350 H'ness ku laam pudhu bike kae 3rd party thaa..3 varusham ottirukkaen.. Insurance claim a pannavae theva varla en situation la.
On episode on how to decode VIN number of the Car to find the car's manufacturing date (help us to know whether we purchase a new model or new made car). Also, One episode for legal and illegal modification for cars in Chennai and how far we can go with car modification. Thanks!
Sir, in general comprehensive insurance is a combination of third party insurance and own damage insurance, just adding this info to avoid confusion about to terms 🙂
Hello sir good video… but I think you missed discussion on whether to purchase insurance from dealers or outside when we buy new car…bcz there is so much difference between dealers and outside… what are the pros and cons of purchasing insurance outside… plz make video on this…
First make sure, you are choosing the right insurance company which has high claim settlement %, High number of garages. That's the priority. In many cases, showroom will try to match the quote from the Insurance company. If it's close to the offer from the Insurance company, go with the showroom. It's much easier and hassle free in case of complicated situation. In most cases, we hope not to claim insurance, just letting you know when you are in a tricky situation, it's much easier to work with the dealer..
நான் தங்கள் ரிவியு பார்த்து தான் ஹோன்டா சிட்டி வாங்கினேன். இப்போது நீங்கள் சொன்னது போல் விலை குறைப்பு பேச்சுவார்த்தையின் போது நான் ஒப்புகொண்டது போல் விலை குறைத்தார்கள். ஆனால் கடந்த டிசம்பர் 4 சென்னை வெள்ளத்தில் எனது ஹோன்டா சிட்டி முழுமையாக பாதிக்கப்பட்டது. அப்போது தான் தெரிந்தது இன்சூரன்ஸ் பம்பர் டு பம்பர் போட்டிருக்கிறார்கள் என்று. இதில் பதிவு தொகை, சாலை வரி, எதுவும் சேரவில்லை. காரின் ex-showroom க்கு மட்டும் தான் கிடைத்தது. ஆனால் அது 100% கிடைத்து விட்டது, புதிய கார் என்பதால். அடுத்த கார் வாங்கும் போது இன்னொரு முறை இந்த வீடியோ பார்த்து முடிவு செய்வேன். Learning from failures 😊
People who live in area like velachery, pallikaranai, mudichur, they must take invoice cover. Which will help lot if their car become complete waste by water log.
நம்மா ஒரு புது கார் வாங்கும் போது நம்மால்லே எப்படி , வாகன பதிவு செய்து, எப்படி சாலை வரி கட்டுவது ,இண்சுரன்ஸ் போடுவது ஒரு முழு விவரமான காணொளி, அதாவது ஒரு வாகனத்தை எக்ஸ் ஷோரூம் விலையில் வாங்கிய பின் இது எல்லாம் எப்படி செய்வது என்று ஒரு தெளிவான காணொளி ,நன்றி.
Hy Birla bro I need detail explanation about Andrenox connect for xuv3xo ,,no tamil channels talk about it,,it was very useful to every 3XO User,,kindly consider and do about that..thank-you
Dealer quoted 6k more than what the offline insurance store was asking for my second year OD renewal. I had a claim for rat bite and it was easy you just have to fill out forms and do some follow ups. Still not worth the additional 6k that the dealer was asking. Also I paid out of my pocket and reimbursement happened within 10 working days
All said and done, no company will entertain you when you make a claim. Moreover, surveyor and other charge will not be covered. When your vehicle is damaged by another person don't claim from your insurance, claim it from the other person's insurance. Only then you will get NCB benefits. Dealers will suck your blood. The difference will be 50 to 70% when you buy from outside, when you transfer NCB of your old vehicle. Recently, I bought a new car, the dealers quote was 72k, I bought it from acko for just 30200 and NCB tranfer of 7100. Net 23100 with all add-ons. Similarly with registration charges.
RTI cover provides complete reimbursement based on the invoice amount and not based on IDV, as far as I know. So, if there is a total loss and if we opted for RTI, we will get the complete invoice amount.
During April 24 my TVS scooter met with an accident. I was having my own insurance arrangement. Upto the registration of claims the workshop was cooperative. But due to the delay the insurance agency changed to a reimbursement claim. So I had to pay for the workshop. Subsequently the dealer never cooperated with the insurance company. Still I am not able to revive my claim.
As you said in the RTI ( Idv +ins+road tax) but the actual RTI is invoice value +road tax and ect, as mentioned in the policy bazar, pls correct if I'm wrong
Its always better to go with the insurance offered by the dealership at least for the first 5 years. The claims will be smooth and without any headache
@@manojmark2372I've taken renewal from dealer for 6 years even though I knew the rates are a bit costly ( 2k - 4k diff ) . But as mentioned in earlier comment I didn't have any followups or hassle with claims ( I had 4-5 claims done totally for different small , big issues ) . Now stopped dealer insurance since it is too costly for me compared to online rates . So choice is always upto one's wish . You can decide and buy
Only one insurance thana one more insurance podalama and third party oru person ku mattumae or one more person podalama home animalsku ethum insurance unda pls tell anbout this next video
These people are getting commission from policy bazar and promoting them only. It is better to buy retail policy from company regional offices. You can claim in the showroom ,cashless garages, and reimbursement, too.The company offices will not accept online policies. Each staff member has certain targets and thresholds.
Bro, To renew my car insurance policy, I contacted my car dealer and asked to include rti, ncb insurance and road side assistance in the add ons. They accepted only rti only. For road side assistance, they said I have to apply separatelyand pay Rs 1300. Regarding ncb insurance, they said this kind of add on is not available in the insurance market. Kindly update your feedback regarding road side assistance and ncb insurance
Hi Birla, While purchasing a car even the dealers are making Fastag as mandatory and charging Rs.500 and more. Is it the car purchaser doesn't have any other option to deny it. Because in outside market, the Fastag is more economical. Is this the business strategy for the car dealers ? pricing more for unwanted stuffs ?
FASTag is mandatory as per the RTO, so during registration, it is a must. However, you can purchase a FASTag on your own and map it with the vehicle's engine and chassis number. Then, hand it over to the dealership before they take the vehicle for registration.
you spoil the agents revenue if u support about show room we may effect... only best when they black mail you if you not insured from show room they wont support.. insurance is same to all ... u may get some money from show room...85% diffrent ah if so 85 %.. then you dont know about insurance or i doubt u dont know about car also...other details are good.. but dont support a particular ....they get revenue only by give money to you.. or blackmail customers to put insurance with them ony.. or no support...RTI 10 % max only when ur vehicle theft or un recoverable condition...
My preference was most preferably DUCATI SUPERLEGGERA V4 also PORSCHE 911 GT3 RS WEISSACH PACKAGE strictly can't afford companies policy Mostly Ex-showroom cost with temporary registration preferable because so of so much of add on cost 😉
Don't believe this , 100% , apply your mind. Middle class think twice before you buy a car( white elephant) when you buy a car,, you only buy road tax , GST , INSURANCE, Heighly depreciating product a CAR. Your life will be up for a tose when you meet with an accident and go for a claim . My experience with ICICI
Previous car NCB for my 2016 Renault duster is required to be taken forward to my new Creta that i am buying next week. Company ie car dealer is telling me that i have to pay for full new insurance them get a certificate for NCB from previous insurer and then refund will be given in new insurance. Please advise. Thanks
You have to get the NCB reserving letter from your previous insurer, after sold your old car, if you have the NCB reserving letter, you can transfer your NCB on the new car. Ncb reserving letter was valid three years. So you can transfer the NCB on first year renewal
Acko is a scam They will try to reject your claim with all.possible ways..never try to buy any insurance from acko. Especially if you have an electric vehicle. It's been denied for many people.
Bro like maruti they clearly mentioned wat r thr tie up insurance in even separate website, but like Mahindra don't hav such like that even we checked dealer they still advised to chck with sales team wat they mentioned. Wen we checked with acko they told had tie up with all over india Mahindra, but in show room they said no tie up with acko. Also some insurance have only 2 B2B claims per year like Tata & reliance, that too makes very confused. Pls investigate & advise us clearly thanks
Buy/ Renew car insurance online cheaper 👉
bit.ly/45WOSdT
Very useful information I face lot of issues with this insurance I took from Shriram..claim is too hard...not easy and as you said I added all add-on benefits even though they are bargain with me ..I spend more then 2.5 Lak they said they can give 1lak...I went to complaint so many gravience then I got only.2lak. Note here I paid full amount from my pocket then this amount after 2months only reflect to my account. Next time I won't choose Shriram insurance
அற்புதமான தகவல், உண்மையில் ஒரு சமூக சேவை, தொடரட்டும் பிர்லாவின் சேவை, வாழ்த்துகள், நன்றி...
Its not ordinary video its valuable words please put these type of awareness video thank you
Last week i bought kwid and they quote me around 38k as insurance and fastag 600rs. I said big NO and told them that i will take the insurance and fastag by myself. Got the zero depreciation insurance at 12k and 100rs fastag.
Which insurance policy ?
@@surendiranchandrasekaran4942 united india
That's always good until you make one claim
@@paperdragon48 I have made claims for my another car in ford service center itself. There is no need to worry on claims, if everything is right from our side.
I am so fortunate to end up with this video as my OD is expiring in two weeks time. I have looked out at so many videos also gone throughout reddit. This video almost covered a lot of things. Thanks Birlas parvai for saving many us from evrerday hassle.. 😊
which one did you go for?
இது போல 3 rd பார்ட்டி இன்சூரன்ஸ் யார் யாருக்கு நன்மைகள் உள்ளது என பதிவு செய்ய நலம்
3 party is mandatory for every vehicle
Periya city la illa.. Accidents nadakkurathu romba rare nu feel panreenga naa thairiyamaa 3rd party cover mattum pottae legal aa vandi ottalaam... Naa Tirunelveli la 8 varusham aa Honda Jazz i-Dtec kottitu irukkaen.. 2nd varushathula irunthu 3rd party insurance thaa...1,67,000 Km ottirukkaen
Neraiya cost save panlaam insurance la. prechana vanthaa silavu pannanum...
European brands o, Mahindra vo, Tata vo vachirunthaa full bumper to bumper podrathu thaa better ngru en opinion.
En pudhu CB 350 H'ness ku laam pudhu bike kae 3rd party thaa..3 varusham ottirukkaen.. Insurance claim a pannavae theva varla en situation la.
On episode on how to decode VIN number of the Car to find the car's manufacturing date (help us to know whether we purchase a new model or new made car).
Also, One episode for legal and illegal modification for cars in Chennai and how far we can go with car modification. Thanks!
Sir, in general comprehensive insurance is a combination of third party insurance and own damage insurance, just adding this info to avoid confusion about to terms 🙂
Hello sir good video… but I think you missed discussion on whether to purchase insurance from dealers or outside when we buy new car…bcz there is so much difference between dealers and outside… what are the pros and cons of purchasing insurance outside… plz make video on this…
First make sure, you are choosing the right insurance company which has high claim settlement %, High number of garages. That's the priority.
In many cases, showroom will try to match the quote from the Insurance company. If it's close to the offer from the Insurance company, go with the showroom. It's much easier and hassle free in case of complicated situation. In most cases, we hope not to claim insurance, just letting you know when you are in a tricky situation, it's much easier to work with the dealer..
Nice explanation thanks to both of you. Bumper to Bumper is must for today's world. I got more.benefits out of it.
Very informative conversation about insurance. Thanks for always inspiring us with useful information.
அருமையான தகவல்..... நன்றி birlas parvai ❤❤❤❤
நான் தங்கள் ரிவியு பார்த்து தான் ஹோன்டா சிட்டி வாங்கினேன்.
இப்போது நீங்கள் சொன்னது போல் விலை குறைப்பு பேச்சுவார்த்தையின் போது நான் ஒப்புகொண்டது போல் விலை குறைத்தார்கள்.
ஆனால் கடந்த டிசம்பர் 4 சென்னை வெள்ளத்தில் எனது ஹோன்டா சிட்டி முழுமையாக பாதிக்கப்பட்டது.
அப்போது தான் தெரிந்தது இன்சூரன்ஸ் பம்பர் டு பம்பர் போட்டிருக்கிறார்கள் என்று.
இதில் பதிவு தொகை, சாலை வரி, எதுவும் சேரவில்லை.
காரின் ex-showroom க்கு மட்டும் தான் கிடைத்தது.
ஆனால் அது 100% கிடைத்து விட்டது, புதிய கார் என்பதால்.
அடுத்த கார் வாங்கும் போது இன்னொரு முறை இந்த வீடியோ பார்த்து முடிவு செய்வேன்.
Learning from failures 😊
Exact timing correct video thanks bro
People who live in area like velachery, pallikaranai, mudichur, they must take invoice cover. Which will help lot if their car become complete waste by water log.
நிறைய தெளிவான தகவல்கள் நன்றி சகோதரர்களே
Sir how about Acko insurance for new car which gives all in less price can be relayed on it
Educational video❤🎉for the car Owner
Birla sir one request.. can you put a video on the entire buying process for new car from booking to delivery. When should we make payment, etc.
I prefer SBI GENERAL INSURANCE - MOTOR INSURANCE IN SBI GENERAL INSURANCE GREAMS ROAD CHENNAI
Top class!. Wonderful program. Extremely informative!.👋👏👌👌👌
நம்மா ஒரு புது கார் வாங்கும் போது நம்மால்லே எப்படி , வாகன பதிவு செய்து, எப்படி சாலை வரி கட்டுவது ,இண்சுரன்ஸ் போடுவது ஒரு முழு விவரமான காணொளி, அதாவது ஒரு வாகனத்தை எக்ஸ் ஷோரூம் விலையில் வாங்கிய பின் இது எல்லாம் எப்படி செய்வது என்று ஒரு தெளிவான காணொளி ,நன்றி.
Great sir thank u for new buyers
Superb explanations. Thank you.
Acko/ phone pay car insurances review podunga bro
Hy Birla bro I need detail explanation about Andrenox connect for xuv3xo ,,no tamil channels talk about it,,it was very useful to every 3XO User,,kindly consider and do about that..thank-you
Excellent message. Thanks Birla sir.
Dear sir.. Video Production Quality super ah iruku..
Dealer quoted 6k more than what the offline insurance store was asking for my second year OD renewal. I had a claim for rat bite and it was easy you just have to fill out forms and do some follow ups. Still not worth the additional 6k that the dealer was asking.
Also I paid out of my pocket and reimbursement happened within 10 working days
All said and done, no company will entertain you when you make a claim. Moreover, surveyor and other charge will not be covered. When your vehicle is damaged by another person don't claim from your insurance, claim it from the other person's insurance. Only then you will get NCB benefits. Dealers will suck your blood. The difference will be 50 to 70% when you buy from outside, when you transfer NCB of your old vehicle. Recently, I bought a new car, the dealers quote was 72k, I bought it from acko for just 30200 and NCB tranfer of 7100. Net 23100 with all add-ons. Similarly with registration charges.
RTI cover provides complete reimbursement based on the invoice amount and not based on IDV, as far as I know. So, if there is a total loss and if we opted for RTI, we will get the complete invoice amount.
Thanks for the clarification
During April 24 my TVS scooter met with an accident. I was having my own insurance arrangement. Upto the registration of claims the workshop was cooperative. But due to the delay the insurance agency changed to a reimbursement claim. So I had to pay for the workshop. Subsequently the dealer never cooperated with the insurance company. Still I am not able to revive my claim.
Which insurance was that
@@arv1ndgr ACKO
Very informative bro. Thank you
Really very informative, thanks.
Can you upload a clear cut video about pay as you drive (PAYD) policy
As you said in the RTI ( Idv +ins+road tax) but the actual RTI is invoice value +road tax and ect, as mentioned in the policy bazar, pls correct if I'm wrong
great work Birla Sir.
Very informative. Thanks
Excellent information
Nice and clear picture
Very useful video thanks
Very very useful information 👌
நல்ல பதிவு
SEMA SIR
TATA AIG best companyaa sollunga sir athil car insurance podalama?
Very useful content
Its always better to go with the insurance offered by the dealership at least for the first 5 years. The claims will be smooth and without any headache
Are you dealership owner? Cuz you talk like one
@@manojmark2372 based on experience.
Nothing like that.
@@manojmark2372
@@manojmark2372I've taken renewal from dealer for 6 years even though I knew the rates are a bit costly ( 2k - 4k diff ) . But as mentioned in earlier comment I didn't have any followups or hassle with claims ( I had 4-5 claims done totally for different small , big issues ) . Now stopped dealer insurance since it is too costly for me compared to online rates . So choice is always upto one's wish . You can decide and buy
Good message.
In addons, what is daily allowance? Please guide.
Pls explain about renewal yellow board car insurance
supervisor information i have booked new car
Only one insurance thana one more insurance podalama and third party oru person ku mattumae or one more person podalama home animalsku ethum insurance unda pls tell anbout this next video
Sir please support individual Insurance Agents, instead going to Online Website. Agents will support at the time of claim.
Yes
These people are getting commission from policy bazar and promoting them only. It is better to buy retail policy from company regional offices. You can claim in the showroom ,cashless garages, and reimbursement, too.The company offices will not accept online policies. Each staff member has certain targets and thresholds.
Super bro
Which online insurance (bumper to bumper) company you will recommend Birla sir. I want to renew the car insurance . Pl revert back
Bro, Why is Acko not there in Policy Bazaar?
I dont see such add on for old vehicle in policy bazar website
Bro,
To renew my car insurance policy, I contacted my car dealer and asked to include rti, ncb insurance and road side assistance in the add ons.
They accepted only rti only.
For road side assistance, they said I have to apply separatelyand pay Rs 1300. Regarding ncb insurance, they said this kind of add on is not available in the insurance market. Kindly update your feedback regarding road side assistance and ncb insurance
why tamil nadu goverment not supporting BH registration for private employees . can you please explain this issue
Because that affects their state tax revenue.
தம்பி யூஸ்டு கார் இன்சூரன்ஸ் பத்தி கொஞ்சம் போடுங்களேன்
கார்ல gps or map பார்த்து எப்படி கார் ஓட்டுவதுன்னு ஒரு வீடியோ போடுங்க அண்ணா useful லா இருக்கும்
இன்சூரன்ஸ்ல இஞ்சின் புரோடெக்ட் கவர் பண்ணினால், கெலட்ச் ரிப்லசிமென்டுக்கும் கவர் ஆகுமா?
I took insurance with my dealer and they issued a policy with go digital, is it good?
Nice
Hi Birla,
While purchasing a car even the dealers are making Fastag as mandatory and charging Rs.500 and more. Is it the car purchaser doesn't have any other option to deny it.
Because in outside market, the Fastag is more economical. Is this the business strategy for the car dealers ? pricing more for unwanted stuffs ?
FASTag is mandatory as per the RTO, so during registration, it is a must. However, you can purchase a FASTag on your own and map it with the vehicle's engine and chassis number. Then, hand it over to the dealership before they take the vehicle for registration.
Got it.
Thanks, Vj sir!!
Go digit insurance polama ,
Yaravthu atha vaichuruthingana reviews share pannunga ,
Pls
Don't go with online insurance companies. Major claims were not settled properly!
@@vj_guideauto By this week insurance renewal pananum bro ,
Reliance general insurance policy bazar la pathen ungaloda suggestion enna ?
@gokulk2188 Yes good to go
@@vj_guideauto thanks bruh
Polizbazar lay renewal
panlama or vadama soluga
Bro! இது Bikeக்கும் பொருந்துமா?
Brother intha value 1 year ah ill 3 years ah
you spoil the agents revenue if u support about show room we may effect... only best when they black mail you if you not insured from show room they wont support.. insurance is same to all ... u may get some money from show room...85% diffrent ah if so 85 %.. then you dont know about insurance or i doubt u dont know about car also...other details are good.. but dont support a particular ....they get revenue only by give money to you.. or blackmail customers to put insurance with them ony.. or no support...RTI 10 % max only when ur vehicle theft or un recoverable condition...
Promotion video va bro.???
வாகனம் வாங்கி ஐந்து வருடங்கள் முடிந்த பிறகு பம்பர் to பம்பர் இன்சூரன்ஸ் பண்ண முடியாது என்று சொல்றாங்க. உண்மையா?
உண்மை
Bike.. Scooty.. CNG
LPG video. ...😅
My preference was most preferably DUCATI SUPERLEGGERA V4 also PORSCHE 911 GT3 RS WEISSACH PACKAGE strictly can't afford companies policy Mostly Ex-showroom cost with temporary registration preferable because so of so much of add on cost 😉
I myself strictly track focused guy ❤❤❤❤
Don't believe this , 100% , apply your mind. Middle class think twice before you buy a car( white elephant) when you buy a car,, you only buy road tax , GST , INSURANCE, Heighly depreciating product a CAR.
Your life will be up for a tose when you meet with an accident and go for a claim . My experience with ICICI
First comment
SIR I CONTACT HOW
Previous car NCB for my 2016 Renault duster is required to be taken forward to my new Creta that i am buying next week. Company ie car dealer is telling me that i have to pay for full new insurance them get a certificate for NCB from previous insurer and then refund will be given in new insurance. Please advise. Thanks
You have to get the NCB reserving letter from your previous insurer, after sold your old car, if you have the NCB reserving letter, you can transfer your NCB on the new car. Ncb reserving letter was valid three years. So you can transfer the NCB on first year renewal
Yes, if it is the same brand, NCB will be applied before purchase. else if you have pay and get refund.
Acko is a scam
They will try to reject your claim with all.possible ways..never try to buy any insurance from acko. Especially if you have an electric vehicle. It's been denied for many people.
Bro like maruti they clearly mentioned wat r thr tie up insurance in even separate website, but like Mahindra don't hav such like that even we checked dealer they still advised to chck with sales team wat they mentioned. Wen we checked with acko they told had tie up with all over india Mahindra, but in show room they said no tie up with acko. Also some insurance have only 2 B2B claims per year like Tata & reliance, that too makes very confused. Pls investigate & advise us clearly thanks
Acko doesn't have a tie-up with a vehicle brand.. it's an online insurance company. Directly, you have to approach for claims
Very useful information