Electric Car Insurance: Electric cars India mein boom kar rahi hain, lekin unka insurance regular cars se alag hota hai. Agar aap EV kharidne ki soch rahe ho, to insurance ke hidden costs, benefits aur tips jaan lo. Ye guide aapko help karegi sahi policy choose karne mein.
Electric Car Insurance Regular Se Kaise Alag Hai?
Electric vehicles (EVs) ka insurance traditional petrol-diesel cars se costly hota hai kyunki unki price zyada hoti hai aur repairs expensive. Battery replacement hi lakhs mein pad sakta hai. Standard policies mein battery cover nahi hota, isliye add-ons lena padta hai. EVs mein moving parts kam hote hain, to breakdown chances low, lekin accident mein damage costly.
Yahan comparison table hai:
| Feature | Electric Car Insurance | Regular Car Insurance |
|---|---|---|
| Premium Cost | Higher (due to high IDV and battery) | Lower |
| Battery Coverage | Add-on needed | Not applicable |
| Repair Costs | Expensive (specialized parts) | Standard |
| Add-ons | Charging station damage, roadside for battery | Basic like zero dep |
EV Insurance Ke Hidden Costs Aur Secrets
EV insurance premium 20-50% zyada ho sakta hai regular se, kyunki Insured Declared Value (IDV) high hota hai. Secret ye hai ki battery ko alag se cover karo, warna claim time paise nahi milenge. Charging stations pe damage ka cover bhi add karo, jo bahut policies mein extra hota hai. Aur haan, good CIBIL score aur safe driving se premium kam kar sakte ho.
Electric Car Insurance Ke Fayde
- Low Maintenance Cover: EVs mein engine nahi, to wear-tear kam, insurance claims bhi low.
- Special Add-ons: Roadside assistance battery discharge ke liye, jo regular mein nahi hota.
- Green Benefits: Kuch insurers eco-friendly discounts dete hain EVs ke liye.
- Higher OD Coverage: Own-damage zyada milta hai costly parts ke wajah se.
EV Insurance Kaise Choose Karein? Tips
- Compare Online: PolicyBazaar ya insurers ki sites pe quotes check karo.
- Add-ons Must: Battery protection, zero depreciation, aur charging cable cover add karo.
- CIBIL Check: Accha score ho to low premium.
- Claim History: Safe driver ho to no-claim bonus milega.
- IRDAI Rules: India mein EVs ke liye specific guidelines hain, confirm kar lo.
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Conclusion
Electric car insurance secret ye hai ki sahi add-ons aur comparison se paise bacha sakte ho. Premium high hai, lekin long-term savings EVs se milti hain. Apni needs ke hisab se policy lo aur safe drive karo.
Disclaimer: Ye info general hai. Insurance rates badal sakte hain. Kisi insurer se latest details check karo. Ye financial advice nahi hai.
