Taxi Insurance se Jude 10 Important Questions – Har Driver ko Pata Hona Chahiye!
Taxi chalane me kamai jitni zaroori hai, bime ke sahi niyam janna bhi utna hi zaroori hai taaki nuksan ke waqt jeb se paisa na bharna pade. Aaj aapko bilkul aasan bhasha me “Taxi Insurance Se Jude 10 Important Questions” ke jawab batate hai taaki aapka claim kabhi na fanse.
Q-1. Taxi ka glass tootne par claim lene se NCB (No Claim Bonus) kharab hota hai kya?
Ans. Taxi ka sheesha tootne par claim lene se aapka NCB (No Claim Bonus) kharab ho jayega aur agle saal bima me discount nahi milega. Agar sheeshe ka kharcha kam hai, toh NCB bachane ke liye khud hi paise de dena faydemand rehta hai.
Q-2. Commercial taxi ka insurance sasta kaise karwaye?
Ans. Taxi ka insurance sasta karne ke liye hamesha bima time par renew karein taaki NCB discount mile, aur online quotes compare karke sahi IDV chunein. Aap PolicyLegit pe taxi insurance ka best price check kar sakte hain. Saath hi, gaadi mein Anti-theft device (GPS) lagwane se company premium par alag se discount deti hai.
Q-3. Agar driver badal jaye to taxi ka insurance valid rehta hai ya nahi?
Ans. Haan, driver badalne par bhi taxi ka insurance poori tarah valid rehta hai, bas naye driver ke paas valid commercial driving licence hona chahiye. Bima gaadi ka hota hai driver ka nahi, isliye sahi licence hone par company accident ka claim zaroor degi.
Q-4. Taxi me CNG kit lagwane ke baad insurance company ko batana zaroori hai kya?
Ans. Haan, taxi me CNG kit lagwane ke baad insurance company aur RTO ko batana bohot zaroori hai, nahi toh accident ke waqt claim reject ho jayega. Company ko thoda extra premium dekar insurance policy par CNG endorse zaroor karwayein.
Q-5. Taxi ka comprehensive insurance kitne saal ke liye valid hota hai?
Ans. Taxi ka comprehensive insurance sirf ek saal ke liye valid hota hai jise aapko har saal renew karwana padta hai. Is bime me aapki gaadi ka khud ka nuksan ek saal tak cover rehta hai aur sarkari third-party bima bhi isi ke saath chalu rehta hai.
Q-6. Kya taxi insurance me engine protection cover lena chahiye?
Ans. Haan, taxi me engine protection cover zaroor lena chahiye kyunki pani bharne ya oil leak se engine kharab hone par bima company regular plan me kharcha nahi deti. Yeh cover lene se aapka engine repair ka kharcha bach jata hai.
Q-7. Taxi chori hone par insurance se kitna paisa wapas milta hai?
Ans. Taxi chori hone par bima company aapko bime ke paper par likhi hui IDV yani gaadi ki poori keemat wapas deti hai. Isme se bas thoda sa file charge kat ta hai, baki aapki gaadi ki market value ke hisab se paisa milta hai.
Q-8. Commercial car insurance me ‘Third Party Property Damage’ ki limit kya hoti hai?
Ans. Commercial car bime me ‘Third Party Property Damage’ ki sarkari limit sabse zyaada hoti hai. Agar aapka kisi dusri gaadi ya dukaan se accident hota hai, toh bima company saamne wale ke nuksan ka kharcha isi limit tak bharti hai.
Q-9. Online taxi insurance lene par hard copy (paper) kab tak milta hai?
Ans. Online taxi insurance lene par company turant aapki email ya WhatsApp par bime ki copy bhej deti hai, jise aap print nikalwa sakte hain. Aaj kal digital paper hi har jagah chalta hai, isliye bima company alag se koi hard copy ghar nahi bhejti hai. RTO chalan aur pareshani se bachne ke liye, aap apne saare zaroori documents DigiLocker par save rakh sakte hain.
Q-10. Taxi insurance claim pass hone me kitna time lagta hai?
Ans. Taxi bima claim pass hone me lagbhag 7 se 10 din ka time lagta hai, agar aap cash-less garage me kaam karate hain. Sabhi paper aur surveyor ki final report milne ke baad company turant paisa pass kar deti hai aur aapki gaadi jaldi bahar aa jati hai.
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