Top 5 EV Insurance Mistakes Jo Aapko Lakhs Ka Nuksan Kara Sakte Hain

Electric Vehicle (EV) ka craze India me tez speed se badh raha hai. Lekin EV insurance ke case me log kuch aisi galtiyan kar dete hain jo unhe claim ke time lakhon ka nuksan kara sakti hain. Agar aap EV Car ya EV scooter chalate ho, to in mistakes ko avoid karna zaroori hai.

Top 5 EV Insurance Mistakes Jo Aapko Lakhs Ka Nuksan Kara Sakte Hain

1. EV Battery Insurance Ko Ignore Karna

EV ka sabse mehnga part hota hai battery. Replacement cost ₹4–6 lakh tak ja sakti hai. Agar aapne battery add-on cover nahi liya, to claim ke waqt insurance sirf partial cost cover karega. EV Rain Damage Claim me bhi battery ko lekar sabse zyada disputes hote hain.

2. Flood & Natural Calamity Cover Lena Bhoolna

India me har saal baarish aur flood se EVs kharab hote hain. Agar policy me natural calamity cover add nahi hai, to pura kharcha aapko khud uthana padega. Yeh galti owners ko lakhs ka loss kara deti hai.

3. Charging Equipment Insurance Ko Ignore Karna

EV charging station ya home charger bhi damage ho sakta hai. Bahut log is cover ko skip kar dete hain aur phir short circuit ke case me khud ka paisa lagana padta hai. Smart move hamesha charger protection add-on lena hai.

Also Read: Ev  rain damage claim 2025

Also Read: EV Battery Replacement Cost in India 2025

Ola Insurance 

4. Policy Renewal Time Pe Na Karna

Bahut se log EV insurance renewal me late ho jaate hain. Agar grace period miss ho gaya, to NCB (No Claim Bonus) lapse ho jaata hai aur naye inspection charges bhi lagte hain. Yeh chhoti si galti bhi ₹10,000–₹20,000 ka nuksan kara deti hai. Aap insurance renewal ke basics samajh kar isse avoid kar sakte ho.

5. Wrong IDV Choose Karna

IDV (Insured Declared Value) low rakhne par premium to kam lagta hai, lekin accident me aapko claim bhi kam milega. Bahut log is chakkar me fas jaate hain aur phir vehicle ka actual value recover nahi kar paate.

Bottom Line

EV ek smart investment hai, lekin agar insurance sahi tarike se plan nahi kiya gaya to aapko lakhon ka loss ho sakta hai. Always check policy details, add-ons aur claim process before buying.

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People Also Ask – FAQs

1. EV battery insurance lena zaroori hai kya?
   Haan, kyunki battery sabse mehnga part hota hai jo replacement me lakhs ka kharcha karwa sakta hai.
2. EV insurance normal car insurance se alag hota hai kya?
   Yes, EVs me battery, charger aur fire risk zyada hota hai isliye add-on covers different hote hain.
3. EV insurance premium zyada hota hai kya?
   Thoda high hota hai kyunki battery risk bada hota hai, lekin subsidy aur discounts se manageable hai.
4. Flood damage EV insurance me cover hota hai?
   Agar aapne natural calamity cover liya hai to yes, otherwise claim reject ho sakta hai.
5. NCB lapse hone se kitna loss hota hai?
   NCB 50% tak discount deta hai. Agar lapse ho gaya to agle renewal me premium double tak lag sakta hai.

Disclaimer: यह जानकारी केवल educational purpose के लिए है। पॉलिसी लेने से पहले official documents जरूर पढ़ें।