insurance for rarely used scooty & Car

insurance for rarely used scooty & Car

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Deal Cadet
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hi dimers,

i never applied fr any insurance by myself earlier except the insurance that i got fr my scooty while buying last year, insurance is gng to end in dec bt i rarely use scooty i as travel ofc by cab n car is almost unused since i joined office. so dint prepare insurance from last 2yrs fr car.

bt since traffic rules got strict i just wanted to know any way to get a name sake insurance fr the least amount possible as m nt going to claim it anyway.

plz help.. u can ping me too.
thanks in adv

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13 Dimers
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Get third party insurance in both cases. Around 800 for scooty n 2500 for car. Thats the min rate mandated by irda.

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jambui wrote:

Get third party insurance in both cases. Around 800 for scooty n 2500 for car. Thats the min rate mandated by irda.

Can u plz suggest me d names of those 3rd parties?

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jambui wrote:

Get third party insurance in both cases. Around 800 for scooty n 2500 for car. Thats the min rate mandated by irda.

Thanks fr replying.. gave karma to u fr helping me smile

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Greedy_Sloth wrote:

Can u plz suggest me d names of those 3rd parties?

Acko  use prime membership for extra off

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Smiling wrote:

Acko  use prime membership for extra off

Can u plz explain? Yes. M a prime member already

Birthday
Deal Lieutenant
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Smiling wrote:

Acko  use prime membership for extra off

What is the offer for prime members.

Bal ganesh
Deal Lieutenant
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Never compromise for few thousands.
Insurance for Car is very very important.

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Greedy_Sloth wrote:

Can u plz suggest me d names of those 3rd parties?

3rd party insurance means only damage to any 3rd party damage caused by our accident would be paid by insurance. You can search on google for 3rd party. I got from hdfc ergo myself. All are good in this.

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caks2006407 wrote:

Never compromise for few thousands.
Insurance for Car is very very important.

V r nt using it at all, in last 2 yrs it has only gone fr servicing, not evn a single trip or weekend ride. if in use i would hv nt minded paying 12k fr insurance bt without use.. i feel it is useless to spend even 2-3k on it fr name sake.. taking insurance just so that while gng fr servicing, i dnt hv to pay fine thats it

Bal ganesh
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Greedy_Sloth wrote:

V r nt using it at all, in last 2 yrs it has only gone fr servicing, not evn a single trip or weekend ride. if in use i would hv nt minded paying 12k fr insurance bt without use.. i feel it is useless to spend even 2-3k on it fr name sake.. taking insurance just so that while gng fr servicing, i dnt hv to pay fine thats it

They should provide, daily, weekly, monthly insurance packs too. Hope it comes soon.

Hitman
Deal Newbie
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Greedy_Sloth wrote:

V r nt using it at all, in last 2 yrs it has only gone fr servicing, not evn a single trip or weekend ride. if in use i would hv nt minded paying 12k fr insurance bt without use.. i feel it is useless to spend even 2-3k on it fr name sake.. taking insurance just so that while gng fr servicing, i dnt hv to pay fine thats it

In that case just take a soft copy of car insurance from a colleague, friend or neighbour and just edit it with your name, address and car details.
The policeman just check the car number and the expiry date of the policy.

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Greedy_Sloth wrote:

V r nt using it at all, in last 2 yrs it has only gone fr servicing, not evn a single trip or weekend ride. if in use i would hv nt minded paying 12k fr insurance bt without use.. i feel it is useless to spend even 2-3k on it fr name sake.. taking insurance just so that while gng fr servicing, i dnt hv to pay fine thats it

Then what’s the use of having a car…just sell it and relax…if I was in place of u..then I would have sold it much before

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suman1520 wrote:

Then what’s the use of having a car…just sell it and relax…if I was in place of u..then I would have sold it much before

I hv sentiment with it.. i bought it with my 1yr salary.. so dnt wanna sell it

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hitman wrote:

In that case just take a soft copy of car insurance from a colleague, friend or neighbour and just edit it with your name, address and car details.
The policeman just check the car number and the expiry date of the policy.

I tot so.. bt looks risky now with such huge penalties..

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hitman wrote:

In that case just take a soft copy of car insurance from a colleague, friend or neighbour and just edit it with your name, address and car details.
The policeman just check the car number and the expiry date of the policy.

Karma given fr ur advice smile

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Greedy_Sloth wrote:

Can u plz suggest me d names of those 3rd parties?

It’s called 3rd party insurance. Because if your vehicle get into an accident then your insurance company will not be liable for any damages on your vehicle but to the other party involved in the accident.

Get 3rd party insurance for scooty from any company. And for car, I would suggest to get 1st party.

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Roushh wrote:

It’s called 3rd party insurance. Because if your vehicle get into an accident then your insurance company will not be liable for any damages on your vehicle but to the other party involved in the accident.

Get 3rd party insurance for scooty from any company. And for car, I would suggest to get 1st party.

Thanks fr ur time n reply.. KG smile

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Greedy_Sloth wrote:

I hv sentiment with it.. i bought it with my 1yr salary.. so dnt wanna sell it

Ok then you have to take decision…go for third party insurance only..
just wish people to have such sentiment for their family also…
#random thought

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hitman wrote:

In that case just take a soft copy of car insurance from a colleague, friend or neighbour and just edit it with your name, address and car details.
The policeman just check the car number and the expiry date of the policy.

This is more criminal than not having car insurance…

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Advice: Go for a good insurance and drive it once or twice a month for long journeys with family. That way you won’t feel bad for the insurance plus family will also be happy with you for not selling the car and atleast it will be put to some use.
Or you can Rent/ Hire it out and cover the insurance and earn some side income too.

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jambui wrote:

3rd party insurance means only damage to any 3rd party damage caused by our accident would be paid by insurance. You can search on google for 3rd party. I got from hdfc ergo myself. All are good in this.

What’s the difference between both?

My car insurance is expiring in the next week and i need to renew it..
Model year – 2011 etios liva petrol g sp model
No claim in the past 5 years.
Current idv is 2.5lk (last year i paid around 5.5k)

Please guide me to choose the best insurance for me..

Also i don’t think that my yearly consumption is not more than 500 kms..

I actually don’t think it’s really worth it to pay abt 5k now for the coming years..
Also i have dents here and there which has to be fixed but i claim that now i don’t think i would get anything from my insurer..

@Greedy_Sloth @caks2006407 @Roushh

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mrKool_JJ wrote:

What’s the difference between both?

My car insurance is expiring in the next week and i need to renew it..
Model year – 2011 etios liva petrol g sp model
No claim in the past 5 years.
Current idv is 2.5lk (last year i paid around 5.5k)

Please guide me to choose the best insurance for me..

Also i don’t think that my yearly consumption is not more than 500 kms..

I actually don’t think it’s really worth it to pay abt 5k now for the coming years..
Also i have dents here and there which has to be fixed but i claim that now i don’t think i would get anything from my insurer..

@Greedy_Sloth @caks2006407 @Roushh

1st party insurance – Everything is covered. If your car get into an accident, then you can claim damages on your car and whatever damage your car caused to other person’s vehicle (3rd party) is also covered. Even if someone died by your car, it’s covered.

3rd party insurance – Only damages to the 3rd party is covered. If your car get into an accident, then you can not claim damages on your car but whatever damage your car caused to other person’s vehicle (3rd party) is covered.

1st party insurance is costly because it covers lot of thing and 3rd party insurance is cheaper.

If you haven’t made any claim in 5 years then it’s likely you will not going to claim for next year either. Looks like you drive carefully. So for you, 3rd party insurance in enough.

No, you cannot claim for those old dents now. You can only claim for damage if your car was in an accident and if those dents are fresh. So to take a claim you will have to drive your car into a wall. But remember, you can only claim for the justifiable damages. You can’t include everything in your claim.

For example, if you hit a scooter from the front of your car and your headlight broke then you can claim it under insurance but you cannot include tail light into claim because it was already broken. You will have to logically justify your damage. You can only include it if you make up a story like when you hit a scooter, you hit the break immediately and then the motercycle behind your car couldn’t stop and hit you at your tail light. Or something like that. You get the idea.

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Roushh wrote:

1st party insurance – Everything is covered. If your car get into an accident, then you can claim damages on your car and whatever damage your car caused to other person’s vehicle (3rd party) is also covered. Even if someone died by your car, it’s covered.

3rd party insurance – Only damages to the 3rd party is covered. If your car get into an accident, then you can not claim damages on your car but whatever damage your car caused to other person’s vehicle (3rd party) is covered.

1st party insurance is costly because it covers lot of thing and 3rd party insurance is cheaper.

If you haven’t made any claim in 5 years then it’s likely you will not going to claim for next year either. Looks like you drive carefully. So for you, 3rd party insurance in enough.

No, you cannot claim for those old dents now. You can only claim for damage if your car was in an accident and if those dents are fresh. So to take a claim you will have to drive your car into a wall. But remember, you can only claim for the justifiable damages. You can’t include everything in your claim.

For example, if you hit a scooter from the front of your car and your headlight broke then you can claim it under insurance but you cannot include tail light into claim because it was already broken. You will have to logically justify your damage. You can only include it if you make up a story like when you hit a scooter, you hit the break immediately and then the motercycle behind your car couldn’t stop and hit you at your tail light. Or something like that. You get the idea.

But I am just concerned with my idv which should be around 2.5lk itself and yes if I have to turn my car into a new brand new one I would have to shell out at least 10k now..
So around 5k+ min 10k which crosses 15k..
So shall I be happy with idv lesser than. 2.5lk and look for 3rd party insurance?
Or just for 1-1.5k is it really worth it?
Most probably ur right I don’t think so I have have a claim in the next year too..
And yes about the driving part I can be harsh as well as smooth too with my car coz I love cars blush

Really looking forward to your reply @Roushh

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prabhat775 wrote:

Advice: Go for a good insurance and drive it once or twice a month for long journeys with family. That way you won’t feel bad for the insurance plus family will also be happy with you for not selling the car and atleast it will be put to some use.
Or you can Rent/ Hire it out and cover the insurance and earn some side income too. {will suit your name also stuck_out_tongue_closed_eyes}

Hahaha.. u r looking in just first part of my name.. my second part says sloth :p google it if u dnt know wt it is exactly.. n yes.. this name suits me d best version of me.. i like saving wherever possible n also i like dng things by myself instead of mechanically help.. fr example i can walk upto 5 km in a go instead of using bike or car to travel.. also i can even sit in d same place fr days or weeks without even moving like a sloth :p

Hahaha.. u r looking in just first part of my name.. my second part says sloth :p google it if u dnt know wt it is exactly.. n yes.. this name suits me d best version of me.. i like saving wherever possible n also i like dng things by myself instead of mechanically help.. fr example i can walk upto 5 km in a go instead of using bike or car to travel.. also i can even sit in d same place fr days or weeks without even moving like a sloth :pBy d way.. guyz can anyone tell me how to download d insurance from policybazar.com bought 2wheeler insurance, paid through amazonpay bt not able to understand from where to download d insurance copy.

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