Car Insurance Tips: All the people who buy a car, take car insurance. And now it has been made mandatory in India. Along with buying a new car, its insurance is also done. But when you take car insurance, you must know some things. Like what is covered in car insurance. That is, what things are covered in car insurance. Which things are insured and which things are not.
Often people think that since they have taken car insurance, they will get a claim for every problem in the car. If you also think the same, then let us tell you that this does not happen. There are some cases where you have to pay the entire amount of the problem yourself. The company does not give you a claim of even a single penny. Whether you have taken a comprehensive insurance policy or a zero depreciation policy. Let us tell you on which occasions you do not get a claim.
No claim will be available in these cases
Mechanical failure- If your car suddenly stops running or there is some problem in the engine or transmission or any other electrical part of the car, then the insurance company will not pay you anything for your claim.
On tyre wear – When anyone drives a car, the tyres of the car wear out and along with that the brake pads also wear out. But if you want, you can ask for a claim from the company for the tyre wear and for the brake pads. Then let us tell you that in this case you will not get anything.
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On drinking and driving – If you are driving under the influence of alcohol and crash your car somewhere, then your car gets damaged. Then the company will not give you any insurance money. In such a situation, you will have to get your car repaired with your own money.
Driving without a driving licence – To drive, the person driving the vehicle must have a driving license. If your vehicle is being driven by a person who does not have a driving license and your vehicle meets with an accident and you make a claim for it, then you will not be given any money by the company. So take special care of this.
Non-compliance with the terms and conditions of the insurance policy When you buy car insurance, the company puts some conditions while giving you the policy. These are written in your insurance policy. If you violate those conditions, then you do not get the insurance claim.
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