Whalesbook
Bhaiyo, ek important update hai ICICI Lombard ki taraf se. Agar aapki purani car hai jo **April 2023** se pehle bani hai, toh usme E20 fuel (80% petrol + 20% ethanol) daalne se bachna. Company keh rahi hai ki agar is fuel se car ko koi nuksan hua toh insurance claim deny ho sakta hai, kyunki ise 'improper use' mana jayega.
Kya hua?
Dekho, ICICI Lombard ne ek notice nikala hai sabhi car owners ke liye, khaas kar unke liye jinki gaadiyan April 2023 se pehle purchase hui hain. Company keh rahi hai ki agar aap apni car mein E20 fuel daalte ho, jo ki 20% ethanol wala mix hai, aur us fuel ki wajah se engine ya kisi part mein damage aata hai, toh aapka insurance claim reject ho sakta hai. Unka kehna hai ki yeh 'negligence' ya 'improper use' kehlayega.
Tech Issue kya hai?
Ethanol ka chemical nature petrol se alag hota hai. Yeh kuch materials ke liye corrosive ho sakta hai. Jo gaadiyan 2023 se pehle bani hain, unke rubber seals, fuel lines, aur other parts E20 fuel ke high alcohol concentration ko handle karne ke liye specially designed nahi hote. Time ke saath, E20 fuel in parts ko degrade kar sakta hai, jisse bada nuksan ho sakta hai.
Negligence Clause ka Role
Insurance policies mein generally 'improper use' se hone wale nuksan ko cover nahi kiya jata. Agar car manufacturer ne pehle hi bata diya hai ki model E20 compliant nahi hai, toh insurance company yeh argument de sakti hai ki owner ko pata tha aur phir bhi unhone risk liya. Is wajah se claim deny ho sakta hai.
Investors ke liye kyu important?
ICICI Lombard jaisi general insurance companies ke liye, loss ratio control karna bahut zaroori hai. Jaise jaise government ethanol blending badha rahi hai, companies ko E20 fuel se related claims ka risk badh raha hai. Is warning se woh policyholders ko pehle hi clear kar rahe hain aur future disputes ko avoid karne ki koshish kar rahe hain.
Investors ko kya track karna chahiye?
- Baki insurance companies ka stance dekho. Agar sabhi same policy follow karte hain, toh customer experience clear rahega.
- IRDAI (Insurance Regulatory and Development Authority of India) se koi new guidelines aati hai kya E20 fuel ko lekar, yeh dekho.
- Car manufacturers older vehicles ke liye kya guidance de rahe hain E20 fuel ko lekar, woh bhi important hai.