A to Z about Car Insurance | Motocast EP - 28 | Tamil Podcast | MotoWagon

Hello Motofam, Welcome to another episode of MotoCast, First Ever Tamil Automotive Podcast. In this episode we are discussing in details about the concept of Automotive Insurance, How it Works?, Risk Pooling and so on.
Do watch the full video and let us know what you think about this in the comments.
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[@ganeshsattanathan]

I am buying a new car and as part of the process was getting the insurance done. The dealer mentioned NCB as zero. After watching this video i got to know that i can transfer my NCB from old car to new. Based on whixh inhave asked them to do it. By doing this i have got 45% NCB accumulated from old car which i sold earlier this year. This was an excellent point explained in detail in this podcast which has opened my eyes. Thanks for getting this covered fantastically by the expert.

[@mukunthansrithar7699]

The speaker was brilliant and on point while explaining each and everything. It would have been complete if he had mentioned about a few more things like: 1. Policy excess 2. Key replacement 3. Return to invoice 4. Road tax coverage 5. Premium loading for high risk customers

[@easwarv2308]

This is the best Moto cast team. Very minute and well prepared questions, that covered all aspects about insurance. And answers are well explained in detail. Kudos to Cover Nest CEO 👍. 1000 hugs and wishes moto team 👏 for this beautiful contend. Thanks team 🙏🙂

[@motowagon]

🤍💚🤗

[@msantony8348]

Most of the questions answered without asking Very knowledgeable person Hats off Asir bro for covering all questions

[@Unknown-ef3cq]

Fantastic podcast, very informative one. My vehicle OD is expiring next month and ended up with motowagon podcast. Mr.Rajasekaran thanks for sharing your valuables knowledge with us. My entire idea about insurance industry have changed after watching this. Thanks Motowagon 😊

[@cryptochaseris7396]

As usual a great video. More informative. Just one correction. @ 41:20: While discussing about health insurance from two insurers, we can claim from one insurer first and if the insured amount is exhausted, we can go ahead and claim from second insurer for the rest of the amount. In real life example, insurance specialists press to have personal health insurance even if we have company group health insurance to have max coverage. I think same will apply for motor insurance claim also.

[@krishnabalan8487]

This was a great episode sir. Covered most of our doubts on Car insurance. Thank you so much for the effort to both Motowagon and CoverNest:)👍

[@madhanbt]

I was about to renew the insurance and luckily this video helped me understanding in depth . Thanks for the beautiful questions and well replied answers 👍

[@ramankishoreb1712]

1. Driving school vehicles ku risk athigama erukumae apa premiums changes erukuma? 2. Name transfer panatha insurance claim agum means. In case owner ilama driver relative drive pana insurance claim aguma. In case no means ethu claim agathu.

[@sathiyaselvam1866]

Very clearly explained sir, CoverNest is the right competitor of POLICYBAZAAR. Very good solo achievement by CoverNest MD

[@kysanthanam]

Even if you sell the car you can transfer the NCB TO new vehical

[@Pravesh1619]

This is one of the best and informative interviews I've ever seen as far as vehicle insurance is concerned. Thanks to both of you for ensuring even a new motorist understands this..

[@nagarajr6329]

மிகவும் பயனுள்ள பதிவு. மிக்க நன்றி...

[@SivaGaneshkumar1]

Wonderful video... By MotoBeam team ... We missed 1 more question, I have a Car which is 16 years old , renewed RC for next 5years , but the Insurance company don't have a policy to cover my own damage or owner , Only we are restricted to take 3rd party coverage. I think this is not good , if some one make a clarification here it will be great. The worst thing is I faced terrible accident after renewal of RC as there is only a 3rd party coverage. I paid all the amount from my account. During the past 15 years I have claimed insurance only once .

[@sridhark4967]

Most of the person not awar the insurance terms and conditions good explain must useful information...

[@SenthilKumarsenthuu]

ஐயா... பயனூள்ள தகவல்... எலி , பெருச்சாளி போன்றை உண்டாக்கும் சேதங்களுக்கு பாலிசி பயன் உண்டா?

[@dhilipanp5554]

Rajasekar anna Excellent clarification about motor Insurance... super

[@manojkumar.m6100]

Still these cover nest also a agent only and gona get their agent commission, is it right? Other than this all the data provided are very useful, thanks

[@dhandapanihyd]

மிக முக்கியமான விசயம் அருமையான வேலை...... வாழ்த்துக்கள்

[@NAMBINRAJAN]

Actually there is one important question that is missed to ask, When taking insurance, what all a car owner should keep in mind, Like you said add-ons like passenger cover owner plus 1,4 , idv value, ncb, claim percentage like what are all important to have as add on and things like that should have been asked Even in nill depreciation plastic parts wont be covered or something like that is there, is there any policy which covers that, if its there is it worthy to take that one as such

[@ragz89]

Great Content! Few Questions. 1. Will NCB be applicable for a transfer even when I purchase a used vehicle as a secondary vehicle? 2. Return to Invoice was not covered. Kindly help clarify on how useful it is. 3. How long can we have a Bumper to Bumper insurance

[@grmconstruction419]

No NCB is non tranferable if you transfer insurance to your name old NCB will void so your insurance NCB will become 0% and bumber to bumber or no depreciation policies can be avilled for maximium two year (previously some insurer have 3yr) *these info are gathered from my knowledge

[@ragz89]

@@grmconstruction419 Thanks for the response. But I'm asking in terms of continuation. Let's say that I already have a car and have an NCB of 50%. Here they spoke about availing NCB benefits for a new car. I asking if it's applicable even if I buy a used car as my secondary car. I understand it's a change of ownership, however this is not my first car and i already have a good track record in my existing car with zero claims

[@grmconstruction419]

@@ragz89 in my case even i have good ncb value in previous car the insurence company rejects to provide it

[@muthu.nathan]

Lets say you have a car which is 2 years old, Incase of total loss (which means totally damaged during any accident), or car theft the usual own damage insurance covers only the current IDV of the vehicle, excluding the road tax. If you have RTI (Return to Invoice) you can get totala invoiced amount. (Including the road tax). So that you can purchase the new vehicle without extra cost.

[@muthu.nathan]

The condition is RTI applicable only for the car which is less than 3 years old.

[@shyamsuresh5884]

Very very information content Peoples learn more this episode thanks motowagon Asir Anna asking question (common man doubts) thank you so much

[@FlutterShipp]

அப்பியே ஒரு நல்ல aftermarket modifier கம்பெனியையும் ஒரு in-depth வீடியோ எடுத்துருங்க 🚙

[@DP-yv2pq]

Pay as you drive insurance pathi detailed a sollunga....also where to buy this insurance.

[@nirmal12430]

very clearly articulated. Questions were also very well thoughout.

[@rsoundararaj1366]

Thoroughly educative, well done; he has good knowledge about insurance, thanks.

[@AshikJonathan]

Protip. If your car has a smartkey Add insurance add on with your b2b could save 5k to 9k in the event of a lost key

[@subramanyamkandaswamy8465]

When we buy a new car the selling co quotes some insurance premium. Some suggest that we can bargain or we can take policy,ourselves. Selling co may reduces premium,for example. Why the difference in premium. Or they reduse the risk coverage. Clarity all about the insurance at sellers of car point of view.

[@george983]

End of the day.. It is WIN WIN for Insurance Company

[@vasantharubang6092]

I may be late to see this but I can confidently say I didn't missed out a great cup of essential sip!.kudos to the whole team.Honestly saying I can feel my addiction to your content from past few months.Keep up the good work❤

[@ChristopherKeys]

Most expected from Motowagon 😊🙏

[@ramakrishnan9599]

When we buy a new car, is there any disadvantages if we don't take the insurance from dealership? If so what is the difference as we can see significant difference b/w dealership & outside offerings.

[@parameswaranviswanathan6248]

Extremely good points well explained. Very useful. Thanks

[@thulasiraman89]

Thank you for this session. Really helpful to learn more about motor insurance

[@gurue8786]

Is driving school car will cover under insurance policy? Because driving school car need some alteration to add additional pedal control for brake and clutch

[@sat065]

Thanks to MotoWagon for idea of bringing up this episode. It answers most of the questions which I had regarding insurance. I have a question.... In which cases FIR is required for claiming the insurance and in which scenarios it is not required ?

[@shreejack]

Very heartful thanks for this discussion. Very clear explanation.

[@sakthivels5562]

1. IDV value eppayume last year vida 10% depreciation la dhan irukkanuma? 2.Namma claim nu poi ketta... Insurance kudukravanga Namma previous insurance history laam paapangala? Adhula Idv 2 lakhs irukku.. Ipo neenga current la 1.8 lakhs dhan irukkanum(due to 10% depreciation) nu edhachum rules irukku nu solluvaangala?

[@kmcdurai3035]

Cover nest is a best platform for insurance premium multiple choice...with many companies.... Thanks to mw...

[@HajeshMohan]

Bro.. As you said. after getting total loss claim, how will u get NCB carry over for new vehicle? I think it's not possible... Once you got claim from insurance company NCB will get zero....

[@jayapandiyanp8024]

One of the best insurance expalnations. I learnt clearly about it. Tq

[@LordSivaSaveyou]

Very good questions. . . Very well explained. . Thanks Team

[@george983]

But Mr. CoverNest.. re 14:00 to 15:00 still Insurance should value the damage part age by the time of insurance right..? not the time of accident. ex. I pay insurance on 2000 as 5 yrs old car then i met accident on 2005. So insurance company should calculate value for 5yr old car not 10 yr old car. Because i hv paid insurance for 5 yr old car. Your thoughts?

[@ambrethkark1707]

Sir, I am asking this question for name transfer used car.Already you told ownership don't want to claim for own damage, he can skip for own damage policy, but for third party can claim. Then is it necessary for name transfer?, why cant we leave insurance in previous owner name?

[@stories.limelight]

Great content Team Motowagon!! Please share info about Rat Bite Insurance coverage and details about various niche add ons.

[@Mass_Marisamy]

Thanks a lot Motowagon, had a great idea on insurance & things in present on full & third party insurance very sure , learned very information to all vehicles person, very good details given by covernest person all in detailed point on insurance very thanks Super

[@samson735]

Each one podcast content cent percentage use full to me nice please dont stop that go more and podcast with usefull content .thanks all crews of motowagan

[@sasikumark745]

I own 2013 model i10. I am upgrading to Carens and waiting for my delivery. Test drove twice. And I drove Venue and i20 recently. Coming to the point now, my 9y old i10 IRVM doesn't vibrate unless the car hits a big bump. I closely noticed, i20, Venue and Carens all car's IRVM vibrates on low speed and even on a flat road. Since you have been driving many cars, what is your view on my observation?

[@naveenchandrasekaran6782]

During insurance claim, there is a term called salvage charges. Can you explain what it is and how that charge is calculated. Own scenario: for a year old car with zero dep cover, they charged 3000rs during claim. Total claim amount is 65000rs.

[@Raja-ke6wz]

ரொம்ப பயனுள்ள தகவல் சார்

[@rockyroshan8260]

Next level informative videos bro 1.5x la vachu fulla ketachu 😂👍

[@pssribala]

There is an insurance for Return to invoice value which can be covered when buying a new car. Nationalised insurance companys are doing only for one year or two year. Pvt insurance they do for up to 5 years. You may inform the customers.

[@wilsonsebastian9346]

@MotoWagon Team, If Harness/ Rubber parts had damaged on the engine bay due to Rat bite. Whether it will cover under Comprehensive plan ? Thanks in advance...

[@thirukumaraveluloganathan2938]

All the best to cover nest…..actually it is cover best he covered all….kudos to MW 🎉team

[@pattabhiram9549]

*Simply brilliant... very informative.... very well explained.... thank you so much.. sir*

[@JohnVianniSinger]

How did I miss this wonderful content...! Such an useful info by that person..Thanks motowagon for this detailed video. So many doubts cleared.

[@balasubramanianr2238]

I have one question. Vehicle is my wife name but I am driving. So as per the insurance company I am driver or owner?

[@venkateshkumar2408]

I am just looking for renew my two wheeler insurance checking quote comparison, definitely will check in covernest.

[@maniprabu1]

Most informative video. Thank you both.

[@vigneshmanthram4121]

Azir anna need one more part Lot more to clarify B2b till how many years of buying a vehicle Individual description of add ons Engine protection Rat protection

[@vigneshmanthram4121]

How to calculate idv

[@vigneshmanthram4121]

Return to invoice

[@sriramrajagopal134]

Very useful information which is well articulated. Thanks to Moto Wagon and Cover Nest!

[@boxofgames3]

Great .. very important topic, all car owners must known about this

[@arunrajaful]

Can we insure Third party and own damage from two different companies ????

[@kumarsamy3246]

When we buy new car, Is it necessary that to take insurance policy from show room recommend insurance company or shall we take a policy from outside insurance companies( which means other than show room recommend) insurance companies)

[@arunragavan442]

I am going to buy venue nLine which insurance company is good to choose??

[@RajaSekar-dw1kb]

And a question prompted is in case of total loss, should we use the coverage amount only to buy a new model of the same car or can we buy any car (different OEM) using the money

[@mageshsai]

It is not at all related to buying another car. So, one can buy any car

[@RengasamyRanganathan]

I have a one doubt need clarification regarding the vehicle RC/ Insurance in your father 's name but he is not using it..But when you /son/ friend driving it met with an accident..Whether he can claim for 3Rd party damage or own damage, since you are not the owner of Vehicle or Policy holder...How to resolve this?..

[@sundarapandianvijay4395]

Very useful message sir Thankyou very much

[@vijaykumarkumar7934]

Very useful interview, appreciate both of u

[@vinodkumar-py7xw]

Sir, enaku oru doubt.. na skoda slavia car ku bumper to bumper insurance eduthu iruken,.40 days la oru chinna incident la front left tyre burst agidichi,and alloy wheel damage agidichi and disk bend achi... Edhuku insurance claim aguma ?? ICICI lambord insurance esuthu iruken

[@jeyaganeshans4652]

Very insightful and well explained. thanks for great content 🙏

[@sarathkumarbabji5188]

clear explanation. I got the information needed

[@gnanaprakasam8721]

Bro one question ❓ 3 years back car product nu solluraru but namma 3years ku pay panna amount matum mature aagamaliya irukum.

[@RealSiva19]

What if I reduce IDV and take return to invoice as add on.....will I get full invoice amount or IDV for theft.?

[@SMPFinserv2023]

Bro ....if I take frnds vehicle....example bike ... Shall I take common insurance my self & third party for safer side... Because sometimes frnds vehicle may not have proper coverage for third party.. But I respect safety ...is it possible to individual insurance by giving my license number for certain bulk amount coverage...

[@sekarselvam8422]

Excellent teaching 👌👌

[@sammumyhappiness8690]

I would have briefed even better than Mr. Rajashekar. I have done my fellowship in insurance. I have done my international certification on anti fraud professional.

[@kannanganesan2146]

Informative and we'll explained thank you sir

[@ragavendrankragavendrank7098]

Thank you so much.. wonderful and very useful.. keep this good work... Good luck 👍

[@thirumoothi512]

Very very useful information. Thank you MW....

[@sambasivamk4938]

Bro new car purchase panumbithu avanga kita insurance pota than any happend feed back correct ha panuvanga Ilana unga problem neenga than pathukanu solranga yena panrathu

[@storewell2001]

very good Episode.Right selection Asir bro.Very informative.

[@naveenchandrasekaran6782]

The owner is very knowledgeable

[@ashokgladwin3997]

Sir 2013 verna 1.6 cc க்கும் city 2013 1.5 cc க்கும் பிரிமியம் வித்தியாசம் வருமா?

[@anandhakannan552]

1500cc ku kammiya iruntha premium kammi.

[@ramalakshmiunique]

Excellent video, very confusion clear , keep doing like this video 📷👍🏼

[@AbdulMajeed-dj7fh]

Very informative, well explained with crystal clear

[@dhasarathan78]

very useful info and clear explanations.Great...

[@rajeshathimoolam]

Most valuable concept.👍👍👍👍👍

[@jai2691]

If I already have PA cover from bike insurance and office side insurance. Do we need to take PA covers as well while taking car insurance ?

[@mageshsai]

Without selling my first car, if I buy another one, can I get the NCB of my first car for the second one as well? Since the driving pattern will be same?

[@RengasamyRanganathan]

To avail NCB , I think you change the name /owner of your old car to your family member and get NCB Certificate for it and utilize it when you buy New Car...

[@tanjaidina]

Thank you for the detailed video. Can you clarify my below doubt if i will be going to Claim the insurance (OD) multiple times in the year, what are the points need to be considered.

[@sethufishclub2249]

Check your idv

[@teatalk..3350]

Thanks MW for great initiative, Is there any maximum age limit for zero depression insurance? It is safe to take a insurance through online!?

[@CometFire2010]

To my knowledge, Zero dep insurance is maximum limited to the age of 5yrs for the vehicle. It won't be available thereafter.

[@karthikeyans1294]

Sir, please guide me if we purchase other state vehicle and reregister in tamilnadu is worth or not.

[@susu-casual]

ஒரு கம்பெனி ல கார் கு இன்சூரன்ஸ் போட்டு இருக்கேன்.... ஆனா சர்வீஸ் சரியா இல்ல.... இப்போ நான் வேறு கம்பெனி கு மாற்றிக்கொள்ள முடியுமா .....???? ..... Extra கொஞ்சம் pay பண்ணினா போதுமா ???.. .. அல்லது.... பழசு போனது போனது தான்..... புதுசா தான் போடணுமா ???

[@dhansaphotographybalaji5839]

sir Car Insurance name transfer pannuna evalavu nall la namma damage clim panna mudiyum

[@bharathichandran2262]

Really a helpful video..❤️ thanks motowagon team🙏🏾

[@rajasrinivasrajendran3400]

bro need to know the difference between buying policy online and agents

[@krpsarathi]

super awareness video thank you bro

[@Rajasekar_C]

Dear MW team, very informative podcast

[@gopinathan1984]

If Car has completed 15 years (FC Done), should we renew the insurance?

[@prakashganesan772]

Clear explanation and good content bro