CAR INSURANCE and Add-Ons | VW T-ROC Insurance | Zero Depreciation | Invoice Cover | Engine Cover

#Comprehensive #CarInsurance #NewIndiaAssurance #ICICILombard

I have bought T-Roc's insurance from New India Assurance for around 36000 and have taken 4 addons as discussed in the video

These car insurance add-ons can be availed with New India Assurance comprehensive and standalone car insurance plans:

1. Enhancement Cover/Zero Depreciation Cover
This cover insures you against the depreciation applicable on your car and its plastic and metal parts at 100% except tyres, tubes and batteries which are covered at 50%. This cover helps you receive a higher claim amount by freeing you from the liability of bearing depreciation expense.

2. Engine Protection Cover
The engine and gearbox of your car is not insured by default under a standard car insurance plan. Thus, this add-on helps you get the engine and its parts along with the gearbox insured against damages caused by oil leakages and ingress of water. This add-on is available for cars not more than 5 years of age.

3. No Claim Bonus Protection Cover
No Claim Bonus refers to the reward which you get for not making even a single claim during the entire period of your car insurance plan. This reward ranges from 20% to 50% of your own-damage premium and is available to you at the time of renewal. However, if you make even a single claim, this reward is lost. This is where the No Claim Bonus Protection Cover comes useful. It helps you protect your NCB reward even after you make up to claim during the policy period. This add-on is available for cars aged up to 7 years.

4. Road Tax Cover
In cases of theft of your car as well as constructive total loss (when the damage is more than 70%) this add-on helps you get the Road Tax charges on the replacement of your car. The cover is for cars aged up to 5 years.

5. Return to Invoice Cover
This cover helps you get the Invoice Price of your car as compensation instead of the Insured Declared Value (IDV) in case of the total loss and theft of your car. The invoice price refers to the amount which you paid at the time of purchasing your car. It includes the ex-showroom price of your car, road-tax and the registration charges of your car. This add-on cover is available for cars with invoice price not exceeding Rs. 20 lakh and cars which are not more than 3 years of age.

6. Personal Belongings Cover
This add-on insures you against the loss or damage incurred to the personal belongings kept in the car at the time of theft or any mishap of the car. The coverage under this add-on is limited to Rs. 20,000 with an additional 20% of the sum insured i.e. Rs. 4,000 for each item or the actual price, whichever is lesser. This add-on is available for cars aged up to 7 years.

-------------------

[ankitp]

IDV can also be increased, though u will have to pay more premium but it helps when our return to invoice option stops after 3 years. Depreciation of IDV happens every year. So it is important in these initial years that we opt for maximum IDV so that in later years our value of car remains maintained.
Whatever add-ons you have chosen are perfect.
PA add on cover is mandatory but for new cars is included in 3 years third party coverage. Which is a cover for us who drive the car(15 lakh). It will be renewed after 3 years.

[overland_spirit]

Thank you so much for your time making this video brother 🙏 I took New India Assurance yesterday morning for my Crysta but I missed few of the add-ons which you explained in the video.

[grey]

Thank you bhaiya, aapne mere topic pr video banaaya.
Happy birthday

[kainturavinod]

Sir your information are very helpful & productive ...new india assurance Right to invoice nahi deti after 3 years but other companies gives & RTI is costly too

[thumuluriprasad]

I bought from TATA TIGOR . Insurance is given from RAHEJA QBE. When the Quotation copy of insurance is provided to me by showroom, Nil depreciation is added. In the actual insurance, Nil depreciation is not covered. Showroom overlooked that one and I overlooked on the pure trust of showroom credibility. Because of your staff mistake I faced an issue. My car met with an accident. Bill is 61000 Out of which 43000 is covered in the insurance. Because nil depreciation is not covered. I have to pay 18000 to service showroom. Showroom guy is saying insurance person missed out adding nil dip. How I need to proceed to this. Waiting for the reply and suggestion.

[lakshitnegi]

Sir i want to know is there any way to switch off traction control or esp whatever there is in vw troc, because i was facing launch issues in my car, it was really slow in sports mode also, guide me plz

[gouseteluguvlogs]

Warranty will cover engine protection, so what the use of engine cover in Insurance??
In comprehensive policy OD, natural calamities are also covered, so how engine cover in Insurance is VFM??

[mohitjune]

Sundeerdeep ji, can you kinldy let me know if IDV is calculated based on ex showroom value of car or invoice value of car

[hiteshshettyk]

I have a query about Own Damage ( OD) Insurance.  My Alto LXi car will complete 1 year in september end and I have to renew my Own Damage Insurance. I already have third party insurance valid for another 2 years.

My maruti dealer is quoting Rs. 6000 plus GST for Own Damage (OD) insurance from Kotak. If I breakup the amount, They are charging Rs. 1814 just for zero depreciation add on cover and rest for Engine Protect, Return to invoice and Roadside assistance. Should I take all add-ons or skip anything? 

A friend who worked in insurance previously has told me to just take Engine Protect and Road Side Assistance since he said it is sufficient for an Alto car. I just wanted to cross check with you. 

Also, Is it compulsory to take this Own Damage Insurance from Maruti itself or can I take from open market like policy bazaar? Thanks in advance.

[bhairvisingh]

What if we take rti after 3 years of purchase will it going to benefit me?

[autotadka]

Happy Birthday Sir, Is Spigen Khel Signature AP12T The One Installed in the Side of your Polo Red, is better in Hard Plastic or Windshield, as per you which will be the best colour if Taigun,
After How Much Time of Purchase should one Get PPF In His Car

[singh]

Sir my dealer forget to add rti😢😢. They are saying now it cannot be added they can be added after one year. Is there any way?? I have zero dep and all other on new car

[piyushkanthak]

Paaji does the insurance also covers the transmission?
*DQ 200*

[shashanksharma]

Ek sawal hai...agar idv minimum krde
.yani real idv 8l hai but minimum idv 3l dikha rha hai..or hum return to invoice add on add krde to kya milega?

[vijayramreddygovindu]

Hi. I too have a T roc. purchased insurance from royal sundaram 2 days ago. 31, 400, ..almost same add ons as you mentioned... bharti AXA was expensive. Didn't consider it .

[gurbirsingh]

Wish you very very happy birthday sir🎂🎂

[sumodmadhavan]

Can you cover you polo insurance.I bough polo gt petrol 2021 march. I want to renew insurance on 2022. I will go for new India assurance like you suggested. Can you cover for polo

[ArunKumar-gitg]

Hi,
Why you need RTI cover?
Your vehicle comes with Engine Immobilizer!!

[YUVXRAJ]

best car under 10 lakh pls give suggestion can we go for ecosport ?

[mandeepsingh]

Tyres chori ho jaye toh kya claim milta hai??