CAR INSURANCE MISTAKES. REAL OWNERS EXPERIENCE !!
ฝัง
- เผยแพร่เมื่อ 14 ก.พ. 2023
- Know what all you need to know before buying Car Insurance Policy for your car in 2023. 5 Step Guide to choose Best Car Insurance Plan for both New and Renewal
- ยานยนต์และพาหนะ
The real facts about Acko . The actual facts are these/
1. Whenever a claim is raised they call you and try to put you through reimbursement claims which is a scam . The claim should be cashless and only the difference amount has to be the insured liability.
2. Reaching out to claim department is impossible . Only contact is the customer care who have limited exposure to the claims process.
3 . Every time we call customer service we are put on a scheduled callback from the claims department. This call back actual happens but it lasts only for 11 seconds . No body from the other side says anything and it is cut . We receive a message shortly after stating we tried reaching you but you were not available .
4. Because you cannot reach out to claims department it’s never clear what to do .
5. As per the policy the car is supposed to be picked up from the residence and delivered back which they definitely don’t do .
Here’s what I do. At time of renewal, I invite quotes from dealers of my car company, and feed the data to excel. Then apply online and enter the same particulars as described in my previous insurance (except different IDV) and arrive at a fair price deal.
Always take car insurance based on below factors
1. Claim settlement ratio
2. Cashless facility
3. Coverage
4.NCB
One should take Add-on covers like zero-dep, engine protect, Roadside assistance when their car is new.
Ap automobile industry ki bhut achi knowledge rkhte ho sir🙏😊 Splendid
Very good and important topic you touched ...Very informative ..Thanks for the info
It is very true, I have faced the same problem with my bike, this year I bough the policy from bajaj.
Nc video...recently claim of car insurance settled. United India Insurance has deducted 11000 rs as salvage out of 48k...20 % salvage including labour...plz aware ppl regarding salvage rules n regulations of irda regarding salvage
Great video 👍 क्या आप एक ऐसा वीडियो बना सकते हैं की एक्सीडेंट हो जाने के बाद कौन कौन से स्टेप हैं इंश्योरेंस क्लेम पाने तक । धन्यवाद
I always prefer to pay 1-2k more to dealer for insurance for my Ecosport. It's like money paid for peace of mind. Once my car's bumper got damaged and I jut left the car at Dealer, they took my signature on some papers within 10 min and that's it. Na kisiko call karna pada, na kisi surveyor se milna pada. Seamlessly got my vehicle within 3 days. And mind you this happened after exit of Ford. And Insurer is bajaj Allianz.
You can also take insurance online from the same company with which your dealer has tie up. It will save you 1k to 2k but information should be given correct especially no claim bonus.
Please don't mute the name of the insurance so that we can know the truth.
its acko, from his lip reading
@@arkabose89 is that correct? Better to leave some hint which can be legally safe.
भाई आप यह भी बताएं या अगले वीडियो में की इंश्योरेंस में कौन सी बहुत जरूर components लेनी चाहिए या होनी जरूरी हैं। थोड़ा वीडियो complete बनाया कीजिए या part 1 or part 2 में भी हो सकती है 👍
sriram general insurance
Acko India bola tha .....read his lips
Best auto channel ever 👌
Hi sir..if i install rear steel bumper from after market shop to my brand new car to protect my car rear side from minute scratches from two wheelers while in city traffic conditions. And if my car meets with major accident from front side on highway (nothing to do with rear steel bumper in this case) will my claim be accepted? Bcoz i took car loan. If i dont get insurance money how can i repay to bank? Kindly guide. Car rear bumper gets dents scratches if steel bumper is not installed.
Very genuine issue taken and dealt with. Kudos.
Good Job.
Sir abi kuch vehicles... bs 6 aur kuch bs 6 phase 2 me aa rhi hai...agar petrol vehicle Lena hai to phase 2 ka wait Krna padega ya bs 6 le skte hai....kyuki sbhi coy me abi phase 2 nhi aaya hai
Etios liva ya etios croos le sakte hai kya?dono ki performance kaisi hai dono ki mileage kitni hai aur donon mein se kaun si le ya koi dusra option. only petrol mera use jada nahi hai muje diesel car nahi chahiye
Plz bataiye
I always take insurance to show police.
My local mechanic handles the rest.
Good information
Thanks for video
I like your intro 👍
Sir.Good Morning Sir. Wonderful information.
Gagan Sir ek number 🍎🍎🍎🍎
Wow nice video
Sir, which are the important insurance covers we should take in this bunch of insurance covers when we are buying or renewing insurance , please make a video on this.
Sir is topic k ek dedicated video banayee please
Do you a
To all those who prefers to buy car insurance from dealership only. Do you renew your car insurance from dealer only. If no, then why online for the first year.
Maruti insurance se 7800 ka hai or policy bazar se 5500 ka hai comprensive policy konsa Lena chaiye
2023 me new brezza par company wale 45k ka insurance de rhe hai... What to do... Company se hi lu ... Or lu bhi to kitne Tak negotiate karu.
Must reply 🙏🙏
3 year old car hai mera automatic.... Honda showroom walo ne hdfc ergo se 25000 ka quote diya hai but online Shriram insurance ne 8000 ka quote diya hai....with zero dep. Aisa kyu? Online ins liya toh okay chalega?
great information, how is oriental insurance company? Can we trust on this company.
Sir, i have bought Bajaj allianz comprhensive car policy from Policy bazar.please tell me its good decision or bad ?
Sir
I want to express one exclusive dialogue of urs that touches me alot more than whatever content is that
KAISE HAI AAP 🙂😊👌👃
HDFC ERGO OR Kotak Mahindra Insurance??? Which one is better??
My 1st year year was from kotak
How is Royal Sundaram insurance? Their insurance premium is 20-30% higher than aggressive players like Acko. Is it worth to pay that extra premium ? Need help
Return to invoice ke case me. If police don't give final report for a longer time, is there any rule in IRDA that within what they me company will settle the amount. As generally police don't give final reports. Please reply. Dr. Sam Masih
Sir i have a passenger carrying vehicle and the current policy expired 1 year ago in 2023 now i want to purchase the Pay as you drive premium only if i purchase this premium will it update on mparivahan portal as i have not done any 1st party or third party insurance now.
Dont buy from acko, navi,digit etc
For a new car i was comparing icici lombard insurance quote from dealer and from outside. Outside one is cheaper by 25% depite getting a 20% from dealer.
Which one should i take?
Go with dealer
can i upgrade my car insurance from third party to first party i took third party mistakenly dealership wale to mana kar rahe h?
Royal sundaram repudiated my tl claim. I moved to ombudsman and got my clim
Kindly guide me the process to approach ombudsman and complete steps, I am very frustrated and peace of mind is distributed.. Sriram general insurance has rejected the claim for NCB, actually there was a claim intimation in previous policy but I didn't take claim as let it go and didn't know about withdrawal of claim, insurance company closed the claim on own, but the claim intimation is being reflected and present insurer is exploiting this saying you intimated claim in previous policy and also claimed no claim bonus... Kindly help
@nerdsspace.7328 If you have not availed any claim from the previous insurance company, then take a record of any such mis reporting from previous insurance company. Mean while a complaint to grievance redreesal officer (gro) of present insurance company must be lodged depicting whole issue. Wait for their reply. Then, lodge a complaint to irdai through phone or mail and wait for the company's response. Upon no positive outcome go for insurance ombudsman.
@@pp-bq6pu I have a mail from the previous insurer which says the claim is being closed as No claim
royal Sundaram worst hai.nvr take any insurance through policy bazaar
What about go digit?
Can you please tell if Edelweiss which is now in name of Zuno is trustable or not. I have booked Hyundai Venue and my near cashless garage also there in the list of Zuno it is showing. Cost is almost half compare to the Delar price if I choose Zuno
Check insurance coverage
Which insurance did you buy?
Sir meri car accident ho gyi thi 2 mahine ....new india insurance se ...h
Car repair ho chuki ....but agency wale car delivery nahi kar rahe ....insurer company se claim settlement nahi Hua...Esa bol rahe....kya kar
I think, one should never buy from Dealer. They always put lower IDV and may not add all addon, this is always bad. Always choice for higher IDV value yourself. There is a misinformation that there is a fixed deduction in IDV per year, it is not so. You should demand higher IDV value for insurance so if your car get stolen or get totaled, you will get higher value. You can also take return to invoice if that is available and take lower IDV. Of course, the premium will increase but you have peace of mind for few thousand rupees more toward higher IDV or add on such as return to invoice (that is, on road price at time of purchase including insurance and RTO).
Just take zero depp, return to invoice and engine cover.
Nice sir
2023 mai Konsi company ka CSR top per raha hai
Sir, acko drive ko cover kariye please.
awsome voice
How is Ackodrive ?
Hello sir
What is the advantage of engine protection cover insurance if the car is already in under the manufacturing warranty
I think warranty is for any manufacturing defects and insurance cover for damage in accident 😊
Engine protect is for engine stalling due to water ingress and such
I also have another doubt. I purchased vxi plus alto k10 2022 model. It doesnt have IRVM day nyt adjustable. What is the best alternative for this IRVM. Irrelevant question to this video but it is also a problem while driving nyt times.
You will get many after market options for Day- Night IRVM, you can check it in the car accessories market.
Hows Acko Car Insurance? Anyone has experience... Please guide. I am planning to buy it.
Sir what about go digit
ICICI LOMBARD se mene car insurance liya hai... 5000km,( 1 year) wala.
But, in 6 months my car run 5000km .
Now the company say No any extra km adding service available. And if I'm taking new policy then NCB not given to me...
They saying not run your car for next 6 months.😢😢😢😢
Pls Sir/ Anybody Help me about this.
How is oritental car insurance?
Acko drive insurance review kaisa hai
I was hit by truck in backside of car.. Car climbed the divider and front tire puncturd, front arm bent. i had taken insurance from Showroom itself. Liberty insurance company. I didn't know about taking photos on spot. Now they are playing with me saying that there is no spot photos 😢
There is no such condition exist, what if you got injured? Will taking photos be possible? At the end you can approach consumer forum and will get compensated
pagal bna rae hn
Write complaint to IRDAI and approach insurance ombudsman
What if dealer is not matching insurance from outside, will dealer create problem or there inconvenience in claiming if I take it from outside?
No
Oriental, New India, National and United Insurance companies ka zikr aapne nahi kiya, Gaganji.
Mujhe Ek 2nd Hand Car Purchase Krni Hai Koi Good Dealer Bta Dijiye
Sir I have kotak car insurance…
How it is?
Is iffco tokio good? Anyone!
How is magma hdi
Hi Sir, I have been following you for several months. I have recently booked a car and when I was checking the insurance premium that dealer is offering is way more higher than the quotation of the same insurance Co for the same car. Now, I told the dealer sales person I will approach to the insurance company directly. the sales persons replied that you can take it from anywhere but it should be your own responsibility, if something happens to your car then it will not be taken as priority you have to pay the parking charges etc.
Means they will delay without any reason and I will be harassed intentionally due to delay and other payments that insurance company is not liable to pay
Please suggest what should be done in this scenario.
Go ahead with your insurance. They are trying to scare you. Also if there happens to be a claim then get your car repaired at another dealer service center.
He is scaring you, you can take the insurance from outside through online or agent with the same company your dealer has tie up with for cashless insurance claim.
Sir , please tell me how can I renew insurance for my BH series car.
Policy bazar unable to trace my car no or any BH series car number
send them copy of RC or check on Parivahan site for vehicle details and share them screenshot
#AckoInsurance mentioned in the beep😂
Sir the BH calculator given on your website is wrong.. I am purchasing brezza lxi car from rajasthan with BH number dealer is saying first time i need to pay around 20-25k whereas your site says as around 9k so please check it and update it because now bcoz of this i have to take RJ number itself as BH will be expensive and i am saying this after extensive research by multiple dealers from multiple companies in jaipur i guess here they are calculating base on ex showroom npt on base cost plus they are charging 12.5% cess and green tax plus some surcharge which i thought will not be there as its BH so one tax one nation. Thanks
Nothing is wrong it is pretty accurate you please write on support@mycarhelpline.com will guide you
Car dealers charge brokerage amount. Just make sure u pay the amount which they give receipt only
@@dk-hj6nw ya that receipt amount itself has multiple components which are increasing the price
Sir, kya Unites India car insurance, salvage value and GST on painting customer ko charge karta hai kya?
Dealer is asking for GST amount on paint and salvage value of parts changed.
Is it correct? Please reply
Anyone suggest me best insurance, I want to renew my car insurance.
how is the reliance general insurance?
Ifco Tokiyo kaisa hai?
Mera new india insurance aur United insurance ka experience achha nahi raha. Ab 3 years se Acko ka insurance le raha hoon 1 baar claim bhi liya just 15 minute mein claim kar diya wo bhi pic dekh k hi jo maine bheji thi Acko is good
My Hyundai car insurance claim rejected due to tp expired but my own damage car insurance is validity up to june 2024
I want to correct your in India ther is no more than 50 general insurance company.
Don't go for private company insurance especially those who are associated with the dealer........ they are supposed to make one fool.......I have 27years of bad experience with these private insurance companies........ once I was about to move to court against the ICICI L.............
.......... choose a company not associated with the dealer////or choose a government GIC company....... will have less irksome claim settlement
Im buying new car.. Which one is Good Sir?
@@ChandraSekhar-ug6wvOriental Insurance if you want government.
What about chola mandlam
What is meaning of voluntary deduction?
It is an amount the customer/insured is willing to pay for the damage/repairs. The insurance company only pays the amount over and above this initial amount of customer. So what the customer promises to pay is deducted from the actual claim.
If you have promised to pay 15,000 (this is your voluntary deduction), then on a final repair bill of 40,000 the insurance co will only settle 25,000 and 15k will come from your pocket.
Choose insurance without this deductible.
Kaise hain aap 🙏🏻🙏🏻
Kuch car owners ready hai extra km route pai drive k liyai to reach the destination simply because roads there are genuinely maintain and hassle free driving.
Mujhai koi puchai toh ek legal formality hai insurance otherwise won't take insurance.
Insurance revenue k liyai phone kiyaa,zindagi mai kabhi bhi mujhai 30 minutes nahi lagai mobile pai baath karnai k liyai,iss din lagai aur koi negotiation nahi.Dimag ka pakoda baan gayaa.(just near to brain dead)
What about Govt Insurance Companies like United India Insurance, National Insurance, New India Insurance etc etc. ??
don't go for them
@@rajendertkr once you get the kick from private u will come to public sector co....mind u...the new india us the best and biggest company in the market. Infact the big daddy of insurance market.
Don't go for national new india united they are too arrogant and lazy to pass the claim i suffered that on previous car santro accident
It is acko insurance
How is Maruti Insurance
100 insurance companies in India. This was not expected from you. Sad!
Can we only buy third party insurance for NEW CAR?
No. OD is necessary for 1st year
There is 15percent employee discount
1st viewer 😮
Bhai video ka kiya matlab tha froud kis company ke sath hua vo to bataya nahi
Hello everyone,
Kotak Mahindra se insurance na le kyoki bahut problem aati hai insurance lene mai.
Kaun kaun se add ons lene chahiye ...?
My HDFC ergo insurance with addon (Zero dep+invoice price+Engine protect) in previous was 12600Rs. But....during renewal in next year, with same add-ons is 20,000 Rs....Even I didn't took any claim. Can anyone justify the price hike?
Government has given clearance to insurance company this year to increase the premium on renewal
zero debt add on will increase ur premium as d car become older.....its same jaise jaise umar badegi health insurance hamara jyada hota rahega
Why don't you take the name of The New India Assurance Co. Ltd...I am in the claim settlement team...an we honour every claim that is genuine...
I purchased the same renewal insurance for my i20 for own damage cover from the dealer yesterday how is it he told that entire process will be cashless.
If you cannot name the insurance company, then this video is a full waste.
True
Never go with bajaj Allianz.. apart from being costly the almost never process any claim fully. Also you get spammed by bajaj finance after that.
what about digit??
What about oriental insurance company
Very good company. Go for it.
Irdai mein complain karna chahiye
icici Lombard one of the worst . They beg the customers on knees
Sarkari insurance company sab bekar hai kya 🤔🤔
sir I have bought nios sportz but dealer finance guy reluctant to share anything on email he only focus on verbal. Loan is also approved but he is saying that if interest rate changes than you to pay extra even though i sign on loan agreement. it is fixed interest rate btw.
Do all these things on personal level, don't trust the dealer, they think of their benefits only
@@gowherulislam5480 should i complain to Hyundai upper management?
@@abhimanyutiwari100 how will u payment fluctuating intrest when u have signed fixed intrest document, pressurize him that u will move consumer court and will register a case against the dealer showroom if there r any wrong doings
@@gowherulislam5480 actually he agreed to give me at 8.95 . And when he send document to bank it got sanctioned but in sanction letter it is showing 9.8 so i asked him and he said we will decrease it internally to 8.95 but this offer is only for two days so i submitted the document including loan paper now he also said since you have not paid full amount to dealer and it as it will take some time so once you make payment (maybe after 3 days) in between if any interest rate is increase by bank you've to pay that interest rate.
@@abhimanyutiwari100have u taken the car dielevery