Nayi gaadi khareedte waqt dealer ke insurance bundle ko bina soche-samjhe accept mat karna. Aksar ye log hidden markups aur faltu ke add-ons chipka kar apse extra paise wasool lete hain.
Dealer ke bundle mein kya hidden hota hai?
Festive season ya heavy demand ke time, car dealers aapko insurance bundle pakda dete hain. Convenience ke naam par ye packages aksar inflated hote hain. High-end cars ke liye premiums ₹40,000 ke paar ja sakte hain, jismein dealers aise add-ons daal dete hain jo shayad aapko kabhi zaroorat hi na pade.
Zero-Depreciation vs Faltu Add-ons
Zero-depreciation cover toh samajh aata hai, lekin kya aapko sach mein 'tyre and alloy protection' ya 'personal item cover' ki zaroorat hai? Bina zarurat ke ye add-ons lene se aapka bill unnecessarily badh jaata hai. Hamesha compare karke dekhein ki aapke liye kya kaam ka hai.
IDV ka khel samjhein
Sabse important factor hai Insured Declared Value (IDV). Ye wo amount hai jo chori ya gaadi ke total loss hone par insurance company degi. Kai baar dealers premium kam dikhane ke liye IDV ko artificially gira dete hain. Isse aapko aaj toh kam premium dena padta hai, lekin claim ke waqt aapko market value se kaafi kam paisa milega, jo aapke liye bada financial loss hai.
Smart Buyer kaise banein?
- Independent Comparison: Dealer ke quote par blind trust mat karein. Online dusre insurers se rate check karein.
- Network Check: Dekhein ki aapke aas-paas kaunsi company ka cashless garage network achha hai.
- Add-on Review: Apni driving habits ke hisaab se hi add-ons chunein, jaise agar aapke area mein monsoon mein waterlogging hoti hai, toh engine cover zaroor lein.
Thodi si research aapka kaafi paisa bacha sakti hai. Insurance ko sirf ek formality nahi, balki ek protective tool ki tarah use karein.