CAR INSURANCE and Add-Ons | VW T-ROC Insurance | Zero Depreciation | Invoice Cover | Engine Cover
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- Опубликовано: 12 сен 2021
- #Comprehensive #CarInsurance #NewIndiaAssurance #ICICILombard
I have bought T-Roc's insurance from New India Assurance for around 36000 and have taken 4 addons as discussed in the video
These car insurance add-ons can be availed with New India Assurance comprehensive and standalone car insurance plans:
1. Enhancement Cover/Zero Depreciation Cover
This cover insures you against the depreciation applicable on your car and its plastic and metal parts at 100% except tyres, tubes and batteries which are covered at 50%. This cover helps you receive a higher claim amount by freeing you from the liability of bearing depreciation expense.
2. Engine Protection Cover
The engine and gearbox of your car is not insured by default under a standard car insurance plan. Thus, this add-on helps you get the engine and its parts along with the gearbox insured against damages caused by oil leakages and ingress of water. This add-on is available for cars not more than 5 years of age.
3. No Claim Bonus Protection Cover
No Claim Bonus refers to the reward which you get for not making even a single claim during the entire period of your car insurance plan. This reward ranges from 20% to 50% of your own-damage premium and is available to you at the time of renewal. However, if you make even a single claim, this reward is lost. This is where the No Claim Bonus Protection Cover comes useful. It helps you protect your NCB reward even after you make up to claim during the policy period. This add-on is available for cars aged up to 7 years.
4. Road Tax Cover
In cases of theft of your car as well as constructive total loss (when the damage is more than 70%) this add-on helps you get the Road Tax charges on the replacement of your car. The cover is for cars aged up to 5 years.
5. Return to Invoice Cover
This cover helps you get the Invoice Price of your car as compensation instead of the Insured Declared Value (IDV) in case of the total loss and theft of your car. The invoice price refers to the amount which you paid at the time of purchasing your car. It includes the ex-showroom price of your car, road-tax and the registration charges of your car. This add-on cover is available for cars with invoice price not exceeding Rs. 20 lakh and cars which are not more than 3 years of age.
6. Personal Belongings Cover
This add-on insures you against the loss or damage incurred to the personal belongings kept in the car at the time of theft or any mishap of the car. The coverage under this add-on is limited to Rs. 20,000 with an additional 20% of the sum insured i.e. Rs. 4,000 for each item or the actual price, whichever is lesser. This add-on is available for cars aged up to 7 years.
Source of Info: www.insurancedekho.com/car-in...
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IDV can also be increased, though u will have to pay more premium but it helps when our return to invoice option stops after 3 years. Depreciation of IDV happens every year. So it is important in these initial years that we opt for maximum IDV so that in later years our value of car remains maintained.
Whatever add-ons you have chosen are perfect.
PA add on cover is mandatory but for new cars is included in 3 years third party coverage. Which is a cover for us who drive the car(15 lakh). It will be renewed after 3 years.
Thank you so much for your time making this video brother 🙏 I took New India Assurance yesterday morning for my Crysta but I missed few of the add-ons which you explained in the video.
Thank you bhaiya, aapne mere topic pr video banaaya.
Happy birthday
Sir i want to know is there any way to switch off traction control or esp whatever there is in vw troc , because i was facing launch issues in my car , it was really slow in sports mode also , guide me plz
Very informative.. 🙏
Thx for information 👍
Sir your information are very helpful & productive ...new india assurance Right to invoice nahi deti after 3 years but other companies gives & RTI is costly too
Jo bhi btaya sb thik tha sir.
Great
Warranty will cover engine protection, so what the use of engine cover in Insurance??
In comprehensive policy OD, natural calamities are also covered, so how engine cover in Insurance is VFM??
Nice work
Sundeerdeep ji, can you kinldy let me know if IDV is calculated based on ex showroom value of car or invoice value of car
Nice video
What if we take rti after 3 years of purchase will it going to benefit me?
Can you cover you polo insurance.I bough polo gt petrol 2021 march. I want to renew insurance on 2022. I will go for new India assurance like you suggested. Can you cover for polo
Ek sawal hai...agar idv minimum krde
.yani real idv 8l hai but minimum idv 3l dikha rha hai..or hum return to invoice add on add krde to kya milega?
nice
nice talk
Belated Happy Birthday Paaji 😁
Sir my dealer forget to add rti😢😢. They are saying now it cannot be added they can be added after one year. Is there any way?? I have zero dep and all other on new car
I have a query about Own Damage ( OD) Insurance. My Alto LXi car will complete 1 year in september end and I have to renew my Own Damage Insurance. I already have third party insurance valid for another 2 years.
My maruti dealer is quoting Rs. 6000 plus GST for Own Damage (OD) insurance from Kotak. If I breakup the amount, They are charging Rs. 1814 just for zero depreciation add on cover and rest for Engine Protect, Return to invoice and Roadside assistance. Should I take all add-ons or skip anything?
A friend who worked in insurance previously has told me to just take Engine Protect and Road Side Assistance since he said it is sufficient for an Alto car. I just wanted to cross check with you.
Also, Is it compulsory to take this Own Damage Insurance from Maruti itself or can I take from open market like policy bazaar? Thanks in advance.
Wish you very very happy birthday sir🎂🎂
I bought from TATA TIGOR . Insurance is given from RAHEJA QBE. When the Quotation copy of insurance is provided to me by showroom, Nil depreciation is added. In the actual insurance, Nil depreciation is not covered. Showroom overlooked that one and I overlooked on the pure trust of showroom credibility. Because of your staff mistake I faced an issue. My car met with an accident. Bill is 61000 Out of which 43000 is covered in the insurance. Because nil depreciation is not covered. I have to pay 18000 to service showroom. Showroom guy is saying insurance person missed out adding nil dip. How I need to proceed to this. Waiting for the reply and suggestion.
good
Belated happy birthday bayya ji
Happy Birthday Sir, Is Spigen Khel Signature AP12T The One Installed in the Side of your Polo Red, is better in Hard Plastic or Windshield, as per you which will be the best colour if Taigun,
After How Much Time of Purchase should one Get PPF In His Car
Taigun looks superb in dark red/maroon. And these mobile holders with suction cup are best suited for glass. However, they should be stuck only when needed. Otherwise they disturb or puncture airbags. That I feel.
Hi. I too have a T roc. purchased insurance from royal sundaram 2 days ago. 31,400,..almost same add ons as you mentioned... bharti AXA was expensive. Didn't consider it .
Great
Tyres chori ho jaye toh kya claim milta hai??
Sir I have a question if i didn't take RTI cover during purchase of car but after that I m taking this add on from 2nd year to till applicable year ..
If i am eligible for RTI if any mishappening occu
It will be applicable for the year in which you add it on.
Hello brother, I am new to this field like limited knowledge last year aug 2021 I purchased an i10 nios with zero dept insurance as I am a new learner and yesterday my car got dent and long scratches. So I want to know do zero dept insurance cover to painting if I am willing to re paint ?
Yes, it is covered
Good morning sir, my new car Tata nexon XM petrol version after 8 month of purchase got accident on 3 December 21 . Agency man is saying 100 percent charge dena hoga on consumables items. Is he saying right. I have zero depreciation insurance policy from the new India assurance company. Further nil dep ki details mein only 50 percent charge diya hein for Tyre baaki kuch nhi. Please guide me as tomorrow is final car delivery.
Consumables 100% customer has to pay. Agar nahi karna chahte toh iska bhi add on aata hai policy mein add karwa lo extra cost deke.
If the car is under warranty period, in this case should we go for engine cover?
Yes mate because when Engine parts are damaged in a flood they sometimes are not covered in warranty
Hello Sir, People suggest to decease IDV if taking RTI. I assume you have done the same. So after 3 years when RTI is no longer applicable. Can we increase our IDV?
Not sure
I had the same question. Please let me know if you got any answer to this @Blitzz kreig
Hi,
Why you need RTI cover?
Your vehicle comes with Engine Immobilizer!!
Total Loss
Stolen
I will get 22 lacs
Paaji can you give your impressions on TATA Punch?
Very little information yet
In the past you've taken insurance from Digit as well. On social media I saw some comments related to issues with claims, but you also know we can't stop people from writing negative comments unnecessarily. Want your genuine opinion on this if you or anyone you know has had any experience with them.
Sir apke kya thought hai polo cross pe joh pehle launch hui thi kya vw ko launch karna chahiye salea badhne ke liye jaise tata ne tiago ko nrg mein launch kiya tha
Ji bilkul. Bahut hi sundar gaadi thi aur aaj fit bethegi.
Sir I want buy second hand car I'm so confused between i20 petrol and swfit petrol m bugt 4lac t 4.50 so plz advise to me sir which will best between i20 petrol nd swfit petrol ?
Both are good options. Whichever has clean insurance & service history, pick that one. I like i20 more
what year are those?
Sir i20 petrol koi ishu tu nahi jaise bolte hai yeh diesel main ATI hai petrol kam hai so aisi ksi baat ki tnsn tu nhi hai sir i20 petrol best?
2015 model 44k km i20 sports ist onwer 5lac ?
@@gurbirsingh4488 good deal try to negotiate till 4 lakh
Paaji does the insurance also covers the transmission?
*DQ 200*
In case of accident Yes. If gone Kaput otherwise, then no.
Good question! Especially the dq200!
🔥🔥🔥🥰🥰🥰👌👌👌
best car under 10 lakh pls give suggestion can we go for ecosport ?
Nope
Nexon, Urban Cruiser and Polo HL
best option for diesel....
Saheb mare mg hector maa insurance che to calatch pleta maa problem che thya jay ke plz
Bhai woh insurance mein cover nai hoga
Return to invoice.lene ki jaruu kya hai jab aapne comprehensive insurance liyaa haii ??
Ji wohi liya hai
Does engine protection cover under 0 debt insurance
Yes it should be in zero dep
sir aap Skoda ki tarif karte hae par bhaut saar kushaq customer in ESP ki complaint aa rhi hae ... so sirf 1500 km chli hae ... apki kya raye hae isme....
vase Happy belated birthday sir
I will post a detailed video
Kaha se buy ki hai agency or online ?
Online through agent in their office in Ldh.
Happy belated birthday Paaji
Thanks Yash :)
@@SunderdeepSingh Paaji aapka birthday tha? Happy Birthday
11 September 😉
@@SunderdeepSingh Happy Belated Birthday Paaji
Are pajji belated happy Birthday 😅
Baki sb theek h company c h
I had worked in insurance industry, i would had given you more knoledge...
Share here please so that viewers can be benefited
@@SunderdeepSingh it's a long story, you can bargain with od premium discount plus add on like RTI are really usefull in first 4-5 years...
Plus role of insurance broker's in car insurance like ttbi abibl msil etc etc
Ignore my spellings
Share more, I will make a vid with due credits to you to benefit viewers.
My experience from new India insurance is horrible.... Better to take insurance from private parties
But what had you experienced with niacl
Paaji you should’ve gone for Pvt insurance companies- ICICI Lombard, HDFC ERGO , TATA AIG etc
They are cashless, much better TAT and hassle free unlike govt companies where taking a claim is pain.
Just like banks, pvt banks offer much better and efficient service unlike Govt banks.
My experience with banks is totally opposite Bro. Govt agencies still follow protocol but private brands arm twist. These private brands are full of complaints on Team-Bhp
Govt companies and banks are far better than private scammers.