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Muslim boy evinces the problems of Muslims in India, and it’s not funny

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Why do Muslims have such a high population growth rate? Why do not they favor uniform civil code? What about the rights of Muslim women in India? Why Triple Talaq? Questions are many, that are being fired by ‘Virat’ social media warriors and then these are easily picked by ‘Pseudo’ liberals, not to answer these but to counter-question them. They use the ‘Muslim’ word/world for their own agenda and that revamps the hateful questions from form to another – Why are many Indian Muslims seen as untouchable? Why Government is oppressing Muslims? But amidst all this ruckus of downright nonsensical questions, one thing that is irrefutable about the Muslims in India that they love India and India loves them.

While wandering on Quora, I found a question gleaming on my timeline “What problems are Muslims facing in India?”, considering it another idiotic ‘agenda-driven’ audit, I was about to move on and then I saw this answer by a Muslim boy who revealed his ‘real’ problems in India and it touched my heart.

The ‘Real’ problems of Muslims in India

islamMuch has been said about ‘Secular Fabric’ theories in India, newspapers have inked reams of paper, we have a long list of politicians who are thriving on ‘secularism’ and the intellectual society that is showering hypothetical cynicism in our society; I believe most of them make their ‘invaluable’ opinions sitting in their air-conditioned rooms without going through a grassroots’ survey.

The secularism written on a piece of paper, shouted in TV debates is far aloof from the secularism practiced in reality. Secularism is something new, but ‘Ganga-Jamuni Tehzeeb‘ is an age-old tradition being followed by Hindus and Muslims with an unwavering  fidelity. Secularist hullabaloo dwells in TV debates and political spheres but ‘the real secularism’ lives in INDIA, in our hearts, in our veins.

There are some who sneer and cough in the times of rising intolerance and agenda-driven hatred, but here are many who know to smile in every milieu.

Yes! Being a Muslim I face many problems in India!

In School: Friends waited for me to snatch my tiff-in box for delicious Biryani and Kababs. I faced problems when all of them visited me at home on EID. I felt bad when I was spared from punishments during Ramzan. It was troublesome to visit each and everyone’s home on Diwali and other festivals.
In college: I again faced problems when my roommate in hostel made arrangements for me to offer Namaz. I got very angry when my college professor gave me enough liberty for attendance just to make sure I am offering my prayers on Fridays.
In office: During Ramzan, I faced problems being a muslim in India because every other individual wanted to offer me Iftar. Surprisingly, they even remembered my Namaz timings. I faced problems when my manager reduced my work load during those days and threw an Iftar party with people of every religion sitting beside me.

Jai Hind!
Mohammad Kashif

Here, Mokarram Iqbal tells how he have been lucky to live in a society that treats everyone equal regardless of their religious beliefs, while putting his experiences forward he opines it is the ‘Education‘ that makes the difference not the religion.

I don’t think I ever faced any problem regarding of my religious links rather I have been blessed and cared for being a follower of Islam in India. May be this is because my upbringing was in very favorable and great society. The major concern as if I can see is the “lack of education in the Muslim masses” that’s why they feel insecure to the majority masses. I lived 18 years of my precious life in a colony where we are only Muslim family and we are hell respected . I have got great friends who are not from my religion. I never got a single call of feeling problematic and insecure inside. In Ramzan when we were at fast, none of our teachers would even make us stand for punishment, this is not because they were afraid that we are Muslims but because they respect us. The major problem is the conventional approach of Indian Muslim society. May be in many parts of India any injustice is done to Islamic population but that doesn’t apply to general masses. Education stature of Indian Muslims must be enhanced and every problem will vanish. “I always feel safe and happy in India because I know I am living in the security of 100 million of Indian who follow Hinduism , Sikhism, Jainism, Christianity.”

Mokarram Iqbal

And while everyone was putting their sentiments forward, here comes a #BrutallyHonest answer from Abdullah Al Faruque who evinces – Yes, Muslims in India are facing many problems that might or might not be associated with other religions. There are all kinds of problems Muslims face in India. Some of these “problems” may be across religions and culture while some may be community specific. But they are there. Muslims do not face any problem in India which is a lie. A big lie! The first step towards solving a problem is to acknowledge that there is a problem. Denial does not help.

High population growth rate: There are many reasons for this. Lack of family planning, overall economic backwardness, unwillingness to use contraception (due to the perceived “evil” nature of contraceptives and accepting high birth rates as gift from God), lack of awareness and ignorance among Muslim women, marriage at young age (especially females) etc. are among the major reasons. And this has hampered the Muslims more than any other community. The Muslim community must look within and not be intimidated/antagonized by such elements and lose track of the problem. There has been a good decline in the fertility rate of Muslims in India and the trend must continue. The xenophobia among some non-Muslims related to this is absurd though! Analyzing the whole problem will nullify any misplaced notion on this issue which is generally fueled by propaganda.
Gender inequality:  Although this is a problem which is present across religions and cultures in India, Indian Muslims have the worst record for this. The reasons are high percentage of Muslims in agrarian and “physical labour focused” sectors, over-dependence on clergy in personal matters like marriage and divorce, marrying off girls at a young age, discouraging higher education among women (due to the age old “Indian” fear of not being able to find a groom) etc. It is absolutely incumbent for Muslim women to lead from the front in this regard. The victims have to make the loudest noise. And I am glad to say that it has already started in India. It won’t be eradicated completely in even the next 5–10 years but such change is seldom achieved in a haste.
Religious conservatism and intolerance: There…. I said it! I would like Indian Muslims to look at this issue rationally. I’m not going to quote verses here but will try to discuss this issue with nothing but logic. The main claim that fuels Islamic conservatism is that Islam is for eternity and it is perfect. OK! Let’s try and make sense of this. If the religion is for eternity, then it has to re-align itself with changing times to be conducive for progress. Change and progress are realities which only fools will deny. The modern world is radically different from what it was in the 7th century. We now know many things about the world which have never been mentioned explicitly in any of the religious texts.

“There are many other problems that Indian Muslims face but, in my opinion, these are the major ones. Most of the unmentioned problems here (poverty, illiteracy, political exploitation etc.) are common (both in size and scale) across the board which just proves my point of how Indian Muslims have integrated with the Indian culture now. Also, I think I must add that this answer might come across as pessimistic and rude to many but the question was about “problems that Indian Muslims face” and not how I party with my non-Muslim friends which of course I do and enjoy a lot,” further he says concluding his most rational reply in the thread.

When we talk about intolerance, paid-rioters, agenda-driven politics and TRP-thirsy media, we often ignore the fact that not all the fingers are same. Beliefs do not make anyone good or bad, every religion, be it Hinduism or Islam, has it’s own set of fanatic theories and blood-thirsty clerics, call them parasites who thrive on other’s blood and money. A rational approach is the need of hour, rules and verses were written in other times, if they are relevant in present times, follow them, if not – flout them.

Also read: A MADRASA THAT TEACHES SANSKRIT TO MUSLIMS

Muslims in India , Funny problems with Islam, muslims opression in indian army, hindu muslim harmony, hindu girl muslim boy love jihad

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3 Comments

3 Comments

  1. Riddhima Ahlawat

    November 10, 2016 at 8:43 PM

    Sensible approach towards a highly sensitive issue. 👌

  2. Pingback: How A LionHeart Saint in India is Cherishing Humanity With His Magnanimous Endeavours | Brutally Honest

  3. Shrishti Nagar

    June 28, 2017 at 11:08 PM

    Legitimate consideration over sensitive issue is good. Presentation through examples that how Muslims enjoying in India 🇮🇳 was interesting. Much better it could be if problems faced by Muslims, would be represented via example and then elucidation could be. Repetition of words is here, that needs to be avoided. Language is simple and effective.

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Education

What Is CIBIL Score and How It Is Calculated!

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Till now, you had to spend Rs 500 to Rs. 1200 to know your credit score or CIBIL score, but do you know, now you can check your CIBIL score for free? Yes! You can check your credit score on the official website of Credit Information Bureau, without spending a single penny and can quickly know that as per your CIBIL score, at what interest rate and monthly EMI, you can take the loan from the bank.

Why good credit score is important: In the recent years, almost every bank has changed its policies and added a clause for good credit scorers. According to it, good credit scores will not only help in getting the loan on easy EMI terms, but also will assist in getting concessions in interest rates. For example, People having CIBIL score more than 760 in home loans for Bank Of Baroda, will get the loan at 8.35% interest rate only.

If your CIBIL score is not good, then you may face hurdles in getting your loan approved. As per the latest policies regarding credit score, if your previous loan repayments and the transaction record is stable, then the bank can even lessen your monthly EMI.

Frequently asked questions about Credit Score: Due to lack of the proper information regarding credit score, many people have doubts regarding it, like, what is CIBIL Score, how much CIBIL score is considered good, how to check CIBIL report online and how to improve credit score?

There would be many who need to know how credit score is calculated, if one has done negligence in previous transactions and loan repayments how to handle this situation of lousy track record. Here, in this article, we are bringing an answer to each of these questions & that too in straightforward words so that you can understand each term easily.

If you still have any query to ask or have valuable information about CIBIL score to share with our readers, then you can post it in the comment section at the end of this article.

What is a Credit Score?

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How does CIBIL Bureau work: Trans-Union Credit Information Bureau India Limited (generally known as CIBIL) is India’s first ever credit information company, which keeps the transaction record of loans and credit cards, as provided by the banks in India.

CIBIL keeps the record of all reputed banks, creditors, commercial bodies and not only this, more than 2400 financial institutions are part of it. CIBIL maintains a complete record of above 550 Million accounts & credit records worldwide. Amazed, right? This huge database is the very reason behind the high credibility of CIBIL credit scoring algorithm.

हिंदी में पढ़ें: सिबिल स्कोर कितना होना चाहिए

These records are submitted by banks and other creditors to CIBIL on a monthly basis, and this information is then used to prepare the Credit Information Report (CIR) of creditors and to decide credit score so that lenders can judge the loan application of person by their financial records.

Why is it necessary to have a good CIBIL score?

Credit/CIBIL score plays a significant role in the loan approval process in any bank. Whenever you fill a loan application form, then the lender bank or the lender company inspect each detail of your credit report regarding your previous loan history. After analyzing your repayment capacity, lenders decide whether to lend you a loan or not. If your credit score is too low, then the lender will immediately deny to give you any loan.

How credit score is calculated: In simple words, CIBIL score presents your credibility in financial dealings, that whether you have repaid the previous loan amount by following the guidelines of the bank timely or not. If you have not paid EMI correctly or have not paid the loan as per the terms and within the stipulated period, then this behavior may add up to a bad credit score and can have adverse effects on your future loan approvals.

How much Credit Score is good?

As per CIBIL, the measure of credit score can be from 100 to 1000 points. Points less than 650, are considered as poor, that means, if your score is less than 650 then you may face difficulty in getting credit cards and loans. On the other hand, points more than 750 are considered as a good credit score. You will not face any hassle in getting loan from various banks or getting the credit card if your score is above 750 points.

Good credit score, how to calculate and Improve credit score

  • Excellent Credit Score: 750+
  • Good Credit Score:700-749
  • Fair Credit Score: 650-699
  • Poor credit Score: 600-649
  • Bad Credit Score: below 600
What would be Credit Score if there’s no credit history

What if you never had a credit card or loan before: If you are applying a loan for the first time or applying for a credit card, then in the column of credit score in CIBIL table, N/A will be written. In this situation, the bank will check out your monthly income, bank statement of the previous six months and by estimating your payment capacity, the bank will set credit card limit or can approve or disapprove your loan.

How to check credit score online?

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To know your credit score, go to the official website of CIBIL, https://www.cibil.com/freecreditscore/ and fill your PAN Number, Date of birth, monthly income and other necessary details and then click on submit. After submission, a new page will open up. Here again, you will have to fill your information; however, details regarding PAN card will automatically get filled.

After it, you will get an email from CIBIL, in which you will get a link and password for your CIBIL account. After clicking on the link, you will be directed to a new page, here do login by filling your email id and password that you got in your email. After getting logged in, you will be asked to change your password. After setting the new password, your CIBIL Account will be logged out.

Then, login again with your new password. After login, you will get your credit score. Remember, through this process of checking CIBIL score; you will get information about credit score only. For any further detail, you have to pay fees of Rs. 500 to Rs. 1200.

How to improve your credit score?

Although, it’s not an easy task to improve your bad credit, as it takes a huge time to cover up, yet, your continuous efforts to fix credit score can prove fruitful to you. Here are some essential points, you should consider to improve your credit score:

  • Firstly, thoroughly review your credit report by requesting its free copy. By doing so, you will come to know all the loopholes, errors and other faults. In case of errors in the credit report, you can confidently tell your point to the credit bureau.
  • Make your payments on time & set proper reminders for it. You can enroll to automatic fees and get your loan installments, or EMIs paid on time.
  • Make a proper payment plan, wherein, mention your budget, all accounts, loans taken, their interests, etc. In this way, you come to know about credit with the highest interest & can manage to lessen loans by maintaining the accounts accurately.
  • Don’t put a negative impact by delaying bill payments. If you have neglected it before, then start making bill payments on time. Your these efforts will fade the earlier negative implications.
  • Anyhow, if you are facing problem in setting your credit score, then it’s better to take the help of a credit counselor. This way will help you improve your credit score.
  • Outstanding debt is dangerous. So keep your credit card balances low always.
  • Pay the credit card balance on time. Don’t delay.
  • You can raise your scores, by showing unused credit cards, so don’t close these down.
  • If you don’t need those, then don’t issue new credit cards. More accounts mean less average account age, as it can prove risky for credit scores. So, if you can manage credit within the short span, then don’t open new accounts.

These are pretty hacks to improve your credit score. If you follow these thoughtfully & don’t open new accounts often, make payments on time, don’t leave any outstanding credit card balances, then slowly, you will be able to get your credit report improved.

(With inputs from Komal Singla)

Also Read: How a good credit score is calculated by FICO

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How To Choose The Right Car Insurance According To Your Needs

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We live in a world obsessed with cars. The launch of thousands of new and improved cars is a true reflection of the escalating demand for cars. Every year a plethora of new cars are added to the ever increasing ecosystem. However, in spite of the number of cars launched, a trifling fraction out of these is insured against accidents and other unforeseen events. A very small amount of people opt for the safety and protection of car insurance even though in comparison to a car it hardly costs anything.

A car insurance is a huge pile of different policies that cover different options in terms of liability coverage, bodily injury and property damage liability. Insurance of any vehicle is an agreement between insured and insurer that has a set of terms that fill be followed by insurer while one claims for any damage.

Comparing car insurance policies is really a tough task, even the small percentage of people that opt for car insurance, are either over-insured or underinsured and don’t have the coverage that they need.

What To Look For In A Car Insurance

Though all these terms vary according to consumer’s need, there are some basic things that one needs to check before opting for a right insurance policy. To change the perspective of the masses, we need to delve into the following details:

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  • Calculate an accurate IDV: The IDV (Insured declared value) is calculated on the basis of the car manufacturers listed price for the model and standard depreciation formula approved by the Indian Motor Tariff. The premium of the car insurance policy depends on the IDV. Most people manipulate their IDV to the lowest amount to reduce the premium amount. However, in that case your sum insured is also reduced. Therefore, ensure you have calculated an accurate IDV of your vehicle.
  • Choose the add-ons wisely: This is the most important step in selecting a right insurance policy. There are a large number of add-ons to your car insurance policy that you can avail according to your needs. Be it a NCB Retention Cover which retains your No-Claim Bonus even after a claim, a Nil-Depreciation Cover which ensures the Depreciation amount of your policy is not considered at the time of the claim, or a Personal Accident cover which provides protection for the passengers. Based on your requirements you can avail appropriate protection in your policy. However, it needs to be noted that these add-ons will cost additional money.
  • Number of network garages in your proximity: It is a known fact that you get cashless repairs at the network garages of your car insurance company. Therefore, the number of network garages in your proximity can be a game-changer. Before you choose a right insurer, you need to check out whether the insurance company is having a network garage in your locality for cashless repairs of your vehicle under insurance policy.
  • Ease of buying insurance: Most car insurance companies offer Car insurance online. However, the buying procedure of each company is different. A few companies such as Reliance General Insurance offer an Instant quote functionality which gives you a premium quote through a car insurance calculator based on only your car registration number. This will save a lot of time which would have otherwise gone on filling unnecessary forms.

Hope these tips help you in understanding your needs better and leverage you enough to make an informed and well-educated choice when it comes to selecting your car insurance policy. There are many car insurance providers in India. Choose your car insurance policy wisely.

All You Need To Know About Car Insurance

Amitabh Bachchan’s iconic show ‘Kaun Banega Crorepati’ perpetuated the ‘phone-a-friend’ option. To participants frantically looking for answers, this feature was a much-needed lifeline. What if you would get the similar help with the complicating car insurance questions which are haunting you?

Many questions would be buzzing in your head on how to choose a right insurance policy for your car and for that you have many online calculators available on internet for comparison of car insurance policies. But can you rely on a calculator? A car insurance comparison can tell you about the policy cover, premium, tenure and claim, but there is more than that you need to know.

Well, I don’t have a ‘phone-a-friend’ option, but yes, I can give you one option — Read-this-blog. So, read on to find the answers to some of the most commonly-sought questions by car insurance buyers.

Frequently Asked Questions About Car Insurance Policies

best car insurance policy in india, car insurance premium claim questions, car insurance helpline query

  • Will my car insurance policy cover music system, which I installed during the policy tenure?

Car insurers cover electronic equipment, including music system at an extra premium. However, you would need to inform your insurance company and get the same covered under the policy after paying an additional amount.

  • Can I transfer No Claim Bonus (NCB) of my company car to my name?

As NCB is attached to an owner and not the vehicle, it is possible to transfer NCB benefits of a company car to an individual. However, the company needs to give a declaration that the vehicle has been used by the employee.

  • Will I loose NCB, if I change my car insurer at the time of policy renewal?

You will get NCB benefits even if you decide to change your insurer at the time of policy renewal. For this, you need to submit the proof of NCB earned on your previous policy to the new insurer. As a proof, you can submit the renewal notice received from your current insurer that enlists your NCB. Or, you can produce the current motor insurance policy copy along with a letter obtained from the insurer to validate that you haven’t made a claim in the previous year.

  • If I earn NCB in a foreign land, will it be valid in India?

Yes, an NCB earned abroad is valid in India, provided the new car insurance policy is taken out in India within three years of expiry of the overseas motor insurance policy, as per NCB rules.

  • Can I convert my third-party insurance into comprehensive policy?

Yes, it is feasible to convert a third-party insurance into comprehensive policy. As comprehensive policy covers both third-party losses and damages caused to your car, an insurer can insist on vehicle inspection to ensure that it is in a good condition.

  • What is the status of a car insurance policy in case of death of a policyholder during the policy tenure?

In case of death of the policyholder during the policy tenure, the insurer transfers the policy in the name of a spouse or the closest family member by submitting the death certificate to the insurer. If the procedure is started within 90 days from the expiry of the policy, the insurer also transfers NCB.

  • What happens to my car insurance policy if I sell my car?

In case you sell your car, you have two options:

  • The buyer can get the policy transferred into his/her name by approaching the insurance company. However, as NCB is attached to an owner and not to the vehicle, the same can’t be transferred and thus, the seller will retain it
  • You can cancel your current car insurance policy and the new buyer can purchase a fresh policy. You can get a refund for the unexpired tenure, provided there is no claim. If you have bought a new car, you can transfer the NCB from your previous policy to the new insurance policy. Note, the insurer will cancel your current car insurance only if you submit proof of purchasing another policy.
  • If I have recently purchased a second-hand car, can I transfer the insurance policy of previous owner on my name?

In India, it is mandatory to have a third-party insurance to ply your vehicle on roads. In case of a second-hand car purchase, according to the Motor Vehicles Act, you are required to transfer the policy within 14 days of purchase. For this, you have to submit Forms 29 and 30 duly signed by the previous owner, the previous policy copy along with the RC copy transferred in your name. The insurer will charge a nominal fee to initiate the transfer.

However, if the RC copy has not been transferred into your name, submit all the documents mentioned above and the insurer may issue an endorsement on a transfer basis. However, it is necessary to submit the transferred RC copy at the earliest, as it is an important document which will be verified by the insurance company at the time of claim settlement.

  • My car insurance policy has expired. Am I still eligible for NCB?

Yes, you are eligible for NCB even if your policy has expired, provided you renew your insurance policy within 90 days of the expiry. After 90 days, you will lose NCB.

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  • I haven’t filed a car insurance claim in the last five years, can I approach the insurer to cover the dent and repair expenses?

A car insurance policy covers losses or damages due to an accident, and thus, normal wear and tear, including dent and repair expenses, is excluded from the policy.

Also, with every claim-free year, you are entitled to get an NCB, which results into lower insurance premium rates. In your case, as you haven’t made a claim for the last five years, you can get discounts on premiums up to 50%. Even a single claim can bring your NCB to zero.

Therefore, it is necessary to carefully analyse the amount you spend towards repairing. If it is lower than the amount you could save by getting lower premium rates through the NCB, don’t file a claim. Avoid approaching the insurer for fender-bender losses or damages.

  • Will I get the full amount at the time of claim settlement?

best car insurance policy in india, car insurance premium claim questions, car insurance helpline queryThough, you have purchased a comprehensive car insurance policy, you will not get the full amount at the time of claim. You would have to bear some costs at the time of claim settlement like depreciation cost, salvage value, compulsory and voluntary deductible. However, if you have a zero-depreciation rider, an insurer will settle the entire amount at the time of claim without deducting depreciation. But, other expenses like salvage value, deductibles, etc. have to be paid by the policyholder.

  • Will I get coverage if an accident takes place in a city other than where the car insurance policy was issued?

It doesn’t matter where an accident takes place, you will get coverage.

  • Will the insurer settle my claim if I lodge it after the expiry of the policy, for an event which occurred during the policy tenure?

Yes, you will be eligible for the claim even after the expiry of the policy. However, it is strongly recommended to file your claim timely.

  • Can I submit all bills at the end of the year and claim for repairs?

No, a claim needs to be lodged immediately and will not be considered if delayed beyond a permissible time-limit.

  • Will an insurer settle my claim if someone else was driving the vehicle at the time of the accident?

Yes, an insurer will settle the claim even if you were not behind the wheel at the time of the accident, provided the other person:

  • Has a valid driving license
  • Was not under the influence of drugs and alcohol at the time of the accident.

Insurance of any vehicle is an agreement between insured and insurer that has a set of terms that fill be followed by insurer while one claims for any damage. I am not sure, how much Mr. Bachchan’s phone-a-friend option helped participants, but I am sure, this blog does. So, can I say, “Lock Kiya Jaye”?

Also read: Why should you file ITR even if your income is not taxable

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Make Your Car Risk-Proof : All You Need To Know About Car Insurance

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Amitabh Bachchan’s iconic show ‘Kaun Banega Crorepati’ perpetuated the ‘phone-a-friend’ option. To participants frantically looking for answers, this feature was a much-needed lifeline. What if you would get the similar help with the complicating car insurance questions which are haunting you? Many questions would be buzzing in your head on how to choose a right insurance policy for your car and for that you have many online calculators available on internet for comparison of car insurance policies. But can you rely on a calculator? A car insurance comparison can tell you about the policy cover, premium, tenure and claim, but there is more than that you need to know.

Well, I don’t have a ‘phone-a-friend’ option, but yes, I can give you one option— Read-this-blog. So, read on to find the answers to some of the most commonly-sought questions by car insurance buyers.

Frequently Asked Questions About Car Insurance Policies

best car insurance policy in india, car insurance premium claim questions, car insurance helpline query

  • Will my car insurance policy cover music system, which I installed during the policy tenure?

Car insurers cover electronic equipment, including music system at an extra premium. However, you would need to inform your insurance company and get the same covered under the policy after paying an additional amount.

  • Can I transfer No Claim Bonus (NCB) of my company car to my name?

As NCB is attached to an owner and not the vehicle, it is possible to transfer NCB benefits of a company car to an individual. However, the company needs to give a declaration that the vehicle has been used by the employee.  

  • Will I loose NCB, if I change my car insurer at the time of policy renewal?

You will get NCB benefits even if you decide to change your insurer at the time of policy renewal. For this, you need to submit the proof of NCB earned on your previous policy to the new insurer. As a proof, you can submit the renewal notice received from your current insurer that enlists your NCB. Or, you can produce the current motor insurance policy copy along with a letter obtained from the insurer to validate that you haven’t made a claim in the previous year.

  • If I earn NCB in a foreign land, will it be valid in India?

Yes, an NCB earned abroad is valid in India, provided the new car insurance policy is taken out in India within three years of expiry of the overseas motor insurance policy, as per NCB rules.

  • Can I convert my third-party insurance into comprehensive policy?

Yes, it is feasible to convert a third-party insurance into comprehensive policy. As comprehensive policy covers both third-party losses and damages caused to your car, an insurer can insist on vehicle inspection to ensure that it is in a good condition.

  • What is the status of a car insurance policy in case of death of a policyholder during the policy tenure?

In case of death of the policyholder during the policy tenure, the insurer transfers the policy in the name of a spouse or the closest family member by submitting the death certificate to the insurer. If the procedure is started within 90 days from the expiry of the policy, the insurer also transfers NCB.

  • What happens to my car insurance policy if I sell my car?

In case you sell your car, you have two options:

  • The buyer can get the policy transferred into his/her name by approaching the insurance company. However, as NCB is attached to an owner and not to the vehicle, the same can’t be transferred and thus, the seller will retain it
  • You can cancel your current car insurance policy and the new buyer can purchase a fresh policy. You can get a refund for the unexpired tenure, provided there is no claim. If you have bought a new car, you can transfer the NCB from your previous policy to the new insurance policy. Note, the insurer will cancel your current car insurance only if you submit proof of purchasing another policy. 
  • If I have recently purchased a second-hand car, can I transfer the insurance policy of previous owner on my name?

In India, it is mandatory to have a third-party insurance to ply your vehicle on roads. In case of a second-hand car purchase, according to the Motor Vehicles Act, you are required to transfer the policy within 14 days of purchase. For this, you have to submit Forms 29 and 30 duly signed by the previous owner, the previous policy copy along with the RC copy transferred in your name. The insurer will charge a nominal fee to initiate the transfer.

However, if the RC copy has not been transferred into your name, submit all the documents mentioned above and the insurer may issue an endorsement on a transfer basis. However, it is necessary to submit the transferred RC copy at the earliest, as it is an important document which will be verified by the insurance company at the time of claim settlement.  

  • My car insurance policy has expired. Am I still eligible for NCB?

Yes, you are eligible for NCB even if your policy has expired, provided you renew your insurance policy within 90 days of the expiry. After 90 days, you will lose NCB.

compare car insurance online, reliance car insurance terms add on, car insurance premium calculator, best car insurance after gst

  • I haven’t filed a car insurance claim in the last five years, can I approach the insurer to cover the dent and repair expenses?

A car insurance policy covers losses or damages due to an accident, and thus, normal wear and tear, including dent and repair expenses, is excluded from the policy.

Also, with every claim-free year, you are entitled to get an NCB, which results into lower insurance premium rates. In your case, as you haven’t made a claim for the last five years, you can get discounts on premiums up to 50%. Even a single claim can bring your NCB to zero.

Therefore, it is necessary to carefully analyse the amount you spend towards repairing. If it is lower than the amount you could save by getting lower premium rates through the NCB, don’t file a claim. Avoid approaching the insurer for fender-bender losses or damages.

  • Will I get the full amount at the time of claim settlement?

best car insurance policy in india, car insurance premium claim questions, car insurance helpline queryThough, you have purchased a comprehensive car insurance policy, you will not get the full amount at the time of claim. You would have to bear some costs at the time of claim settlement like depreciation cost, salvage value, compulsory and voluntary deductible. However, if you have a zero-depreciation rider, an insurer will settle the entire amount at the time of claim without deducting depreciation. But, other expenses like salvage value, deductibles, etc. have to be paid by the policyholder.

  • Will I get coverage if an accident takes place in a city other than where the car insurance policy was issued?

It doesn’t matter where an accident takes place, you will get coverage.

  • Will the insurer settle my claim if I lodge it after the expiry of the policy, for an event which occurred during the policy tenure?

Yes, you will be eligible for the claim even after the expiry of the policy. However, it is strongly recommended to file your claim timely.

  • Can I submit all bills at the end of the year and claim for repairs?

No, a claim needs to be lodged immediately and will not be considered if delayed beyond a permissible time-limit.

  • Will an insurer settle my claim if someone else was driving the vehicle at the time of the accident?

Yes, an insurer will settle the claim even if you were not behind the wheel at the time of the accident, provided the other person:

  • Has a valid driving license
  • Was not under the influence of drugs and alcohol at the time of the accident.

Insurance of any vehicle is an agreement between insured and insurer that has a set of terms that fill be followed by insurer while one claims for any damage. I am not sure, how much Mr. Bachchan’s phone-a-friend option helped participants, but I am sure, this blog does. So, can I say, “Lock Kiya Jaye”?

Also read: How To Choose Best Car Insurance According To Your Needs

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