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"name": "Ek hi truck ka insurance price alag companies mein alag kyu hota hai?",
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"text": "Truck insurance price IDV, add-ons, No Claim Bonus, vehicle usage, location, driver profile, aur har insurance company ki alag pricing strategy jaise factors ke hisaab se differ karta hai — isliye same truck ke liye ₹28,000 se ₹45,000 tak ka farak dikh sakta hai."
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"text": "IDV (Insured Declared Value) truck ki insured value hoti hai. Low IDV rakhne se premium kam hota hai lekin claim amount bhi kam milta hai — jaise agar truck ki value ₹7 lakh hai aur IDV ₹5 lakh set kiya gaya hai, toh total loss case mein ₹2 lakh ka direct loss ho sakta hai."
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"text": "Agar claim nahi liya gaya hai, toh No Claim Bonus premium ko 20% se 50% tak kam kar sakta hai. Isi wajah se do log same truck ke liye alag premium de sakte hain."
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