MOTOR INSURANCE

Motor Cover te:

1. Private cars

2. Two Wheelers

3. Commercial Vehicles

Insured’s Declare value: Heihi motor kum 5 chin hnuai lam te, an company rate(leina zat) atanga chhut tur a ni. Depreciation an tia, kum 5 chhunga a hlutna tlak hniam dan atangin an chhut tlangpui. Amaherawhchu, tunlai ah tuman Insurance tel lovin motor public road an an khalh theih toh loh avangin (LAW ani tawh) a hlutna hi chu atir ah an siam fel tlangpui tawh. A company rate ang khan an siam tihna a nih chu.

Terrorist vang te, Riot, Strike leh lirnging etc. vanga motor in a chhiat phah chuan a cover tel vek bok a ni.

Rukru in motor part emaw, anlo tih chhiat hian Motor Cars ho hi automatic in a cover veka, chuan 2 wheeler tan chuan 3% of IDV (Insured’s declare Value) an pek belh angai. Lamp, Tyre, mudguard, bumpers etc te cover tur hian premium tlem azawng I pek belh angai a nia. I car/bike te a chhiat hlawmhlak a, phurh sawn man te pawh hi a cover vek bok.

Policy hi 2 a awm a:

1. Liability Only: heihi mi pawi I sawi( I motor vangin) chiah a cover. Mi pawi I sawi theih hi, I su hliam thei, I su hlum thei, an bungrua I tichhe thei bok.

2. Package Policy: Heihi chuan mi pawi I sawi leh I motor ngeiin a chhiat phah kha a cover ve ve.

I motor a mi I su hlum anih chuan a cover amount hi bithliah a awmlo, Nuaih chuang fe pawh I pek angai mai thei, anih loh pawn mi 3-5 te pawh a rualin I su hlum thei, Insurance company hian a pek sak vek ang che.

Mi bungrua I tih chhiat ( I Motor vangin) chuan heng zat hi Maximum cover Insurance company in an pek sak tur che a ni.

1. Commercial vehicle, 3 wheelers, Taxis, Private car ————- Rs. 7.50 lacs

2. Two wheelers —- ——————————————————–Rs. 1 lac

I motor in a chhiat phah chuan, 75% hi a chhiat chuan avaia chhe vek anga chhut a ni. A omzia chu a thar man or IDV(Insured Declare Value) kha an pe ang che I insure na company in. I Car/Bike etc a bo daih thei, a awmna chen hre miah lovin a bo hlen thei, heihi TOTAL Loss anga ngaih a ni bawk. Mahse Police pawmpuina, a bo ngei a ni tih an finfiah na I mamawh ang. I motor a chhiat in a rem chang chang ah siam tir ngawt suh. Repair garage lian tham leh rintlak ah chiah I siam tir dawn nia ( a phurh sawn man a cover tel ka tih toh kha). A chhan chu insurance company hian an ron verify tlangpui, chuta I buai loh nan.

Deductibles; Heihi Insurance company in I claim an pek tur che atanga anlo deduct ve thin  ani.

1. Excess: excess amount thleng hi insurance in an pe loving che. Excess amount hi document ah an ziak thin ang. Excess amount pel chin ah chiah hian an pek tur che  ani.

2. Compulsory excess: Heihi a motor insure tu in a pek ve tur a ni. A policy ah a inziak bawk ang. A bang zawng insurancecompany pek tur tho.

3. Franchise: heihi chu claim ten au te t even nana tih a ni deuh ber. A side glass tea lo keha, a nazawngin I claim thei ngot biklo. Amount zan anziak ang, chumi pel chin chiah chu anpe ang che.

Claim an pawm loh ho:

1. Contract thila I motor I hman hawh/hman sak in an pe theilo che.

2. A ngai ang chiah a I tih chhiat leh in( ahma in cover man anpe tawh che a). An pen awn theilo che tihna.

3. Mechanical Breakdown/ electrical vangin an cover theilo bawk.

4. Zurui/Damdawi rui chunga I khalh tih an hriata, accident ilo tawk a nih vaih chuan ngairawh an cover lul loving che.

5. Triau chhak lam (Rihdil) vela I han chesual deuh kher a nih chuan cover ini lo bawk.

6. Tin, Driving License nei lovin an khalh a, anlo chetsual hian cover a nilo bawk.

Motor neitu pa in chetsual na alo tawka, hetah hian Liability Only leh Package ah cover ve ve a ni. An cover theih zat(Sum Assured anti) chu

2 wheelers ah –                                 Rs.1,00,000 thleng

Cars/commercial Vehicles-                 Rs.2,00,000/- thleng

Tin, I driver tan pawh cover hi I nei thei, premium tlem azawng chu I pek belh angai ang. An cover sak theih zat chu Rs. 2 lacs tho.

Premium an discount sak thei dan hrang hrang te, Eng music system tem emaw ilo vuaha cover tir tho dan te chu sawi duah tohlo mai ang, a thui lutuk tawh. Motor in min sut ten emaw, kan bungrua/ property an tih chhiat te hian chawi tir ngei ngei tur. A mizo taka in ngaihdam hian Company chiah an hlok.