EV insurance petrol vehicle se 20-40% zyada mehenga hota hai — kyunki EV ki IDV (on-road value) zyada hoti hai, battery replacement claims expensive hain, aur specialized repair network abhi limited hai. Zero-dep aur battery-protection add-ons bhi cost badhate hain.
EV insurance petrol vehicle se 20-40% zyada mehenga hota hai — kyunki EV ki IDV (on-road value) zyada hoti hai, battery replacement claims expensive hain, aur specialized repair network abhi limited hai. Zero-dep aur battery-protection add-ons bhi cost badhate hain.
EV Insurance Mehenga Kyun Hai — Asli Reasons
- Higher IDV: EVs ki on-road price zyada hoti hai (battery cost ke wajah se), aur premium IDV pe based hota hai.
- Battery claims: Battery damage/replacement claims regular engine repair se kaafi mehenge padte hain insurers ke liye.
- Limited repair network: Specialized EV service centers abhi sab jagah nahi hain, jo claim processing cost badhata hai.
- Popular add-ons: Zero depreciation aur battery protection cover log zyada lete hain EV pe, jo premium upar le jaate hain.
Bottom line: Premium zyada lagta hai, par EV ka fuel aur service cost itna kam hota hai ki overall yearly running cost phir bhi petrol se kam reh jaata hai.
Insurance premium kaise kam karein aur kaunse add-ons zaroori hain — EV Insurance Ka Jhanjhat — Kyun Lagta Hai Itna Zyada, Aur Kaise Bachayein
