Tractor Insurance se Jude 10 Important Questions – Har Driver ko Pata Hona Chahiye!
Kheti ho ya sadak, tractor aapka sabse bada sahara hai, par Insurance ke chhupe niyam na pata hone par choti si galti se kisaan ka bada nuksan ho sakta hai. Ek insurance expert hone ke naate, hum aaj aapko bilkul aasan bhasha me iske Insurance se jude 10 bade sach batayenge taaki aapka claim kabhi na atke!
Q-1. Tractor chori hone par sirf engine ka claim milta hai ya trolley ka bhi?
Ans. Tractor chori hone par Insurance company trolley ka claim tabhi degi agar aapne policy lete waqt trolley ka extra premium bhara ho aur woh RC par chadhi ho. Agar sirf tractor ka Insurance hai, toh company sirf engine (tractor) ka paisa degi, bina Insurance ke trolley ka ek paisa nahi milega.
Q-2. Kheti ka tractor un-married ladke ke chalane par accident ho jaye, toh kya claim fass jata hai?
Ans. Shaadi shuda ya unmarried hone se Insurance claim par koi asar nahi padta, isliye claim nahi fasega. Bas accident ke waqt ladke ke paas ek valid aur sahi driving license (DL) hona chahiye aur tractor ka use kheti ke kaam ke liye hi ho raha ho, toh company poora claim degi.
Q-3. Tractor mein company ke alag (Bahar se) bumper lagwane par accident claim milega?
Ans. Bahar se extra bumper lagwane par bhi accident claim zaroor milta hai, bas accident us bumper ki wajah se nahi hona chahiye. Haalanki, us alag se lagaye gaye bumper ka paisa company tabhi degi agar aapne Insurance lete waqt us non-electrical accessory ka extra premium bhara ho.
Q-4. Kya baadh (Flood) mein tractor ke engine mein paani ghusne par insurance poora kharcha deta hai?
Ans. Flood me tractor doobne par Insurance company sirf body ka nuksan degi, par engine me paani ghusne ka kharcha nahi degi. Agar aapne Insurance lete waqt alag se Engine Protection Cover add-on lagwaya hai, tabhi engine sudharne ka poora paisa Insurance company se milega.
Q-5. Kya tractor ke Insurance mein gadi ke piche lagne wale hal (Plough) ya Thresher ka bhi cover hota hai?
Ans. Tractor ke basic Insurance mein piche lagne wale hal ya thresher ka nuksan shamil nahi hota hai. Agar aapko in cheezon ka bhi cover chahiye, toh Insurance lete waqt thoda extra paisa dekar ‘IMT-24’ ya trailer attachment cover judwana padega, tabhi inka paisa milega.
Q-6. Ghar ke purane tractor ka insurance 5 saal se expire hai, kya ab direct online renew ho jayega?
Ans. 5 saal se expire tractor ka Insurance direct online bina checking ke renew nahi hoga. Pehle Insurance company ke log gaadi ki live photo ya inspection karenge, uske baad hi aapko online naya Insurance milega aur purane saal ka koi bonus (NCB) bhi nahi milega.
Q-7. Tractor ka Insurance sasta karne ke liye kya kisaan credit card (KCC) par koi discount milta hai?
Ans. Kisaan Credit Card (KCC) hone par tractor ke Insurance me alag se koi discount nahi milta hai. Lekin agar aap apne bank se tractor Insurance karwate hain jahan aapka KCC account hai, toh bank wale kisaano ko saste premium par Insurance dilwane me madad kar dete hain.
Q-8. Agar tractor chalate waqt piche judi trolley palat jaye par tractor seedha khada rahe, toh kya claim milega?
Ans. Trolley palatne par claim tabhi milega agar aapne Insurance karate waqt extra paisa dekar trolley ka cover liya hua ho. Agar sirf tractor ka Insurance hai aur trolley ka kanooni registration ya cover nahi hai, toh Insurance company trolley ke nuksan ka ek bhi paisa nahi degi.
Q-9. Tractor ka Insurance chal raha hai lekin uska Fitness Certificate (FC) banwaya hi nahi, toh kya claim pass hoga?
Ans. Fitness Certificate (FC) ke bina chal rahe tractor ka accident hone par Insurance company claim bilkul reject kar degi. Kanoon ke mutabik bina FC ke gadi chalana galat hai, isliye Insurance chalu hone ke baad bhi aapko nuksan ka ek bhi paisa nahi milega.
Q-10. Kya tractor insurance mein driver ke pairon par wheel chadhne ya thresher mein haath aane par Insurance company ilaj ka kharcha deti hai?
Ans. Haan, agar aapne Insurance me ‘Paid Driver Cover’ aur ‘Personal Accident Cover’ liya hai, toh company ilaj ka kharcha ya nuksan ka paisa zaroori degi. Lekin iske liye thresher ya kaam ke waqt accident hone par turant police me report aur hospital ke pakke kagaj dena zaroori hota hai.
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