Motor Insurance 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 a ru 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 a ngai.
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 phaha, 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 chin 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 finfiahna 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 rawn 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 tenau te te ven nana tih a ni deuh ber. A side glass te a lo keha, a nazawngin I claim thei ngot biklo. Amount zat an ziak 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( a hma in cover man anpe tawh che a). An pe nawn theilo che tihna.
3. Mechanical Breakdown/ electrical breakdown 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 lovang che.
5. Tiau chhak lam (Rihdil) vela I han chesual deuh kher a nih chuan cover i ni lo bawk.
6. Tin, Driving License nei lovin an khalh a, anlo chetsual hian cover a nilo bawk.
Motor neitu pa in chetsual 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 tawh lo 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 hlawk.
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April 8th, 2009 at 2:53 am
Ka Bike R15 nikum September 10 a ka lei kha burma miin(?) an ru a,kan hmu toh miah lo a,insurance ah khan 1700 vel ka pe in ka hria a,a huamchin vel chu ka hre chuang lo,MVI leh Police chuan Final Report min siamsak toh a,chuan kan thehlut ta a,75% vel kan hmulet don ni om tak ania,a fulla claim theihdan a om lo a mi.ka bangbo ve ropui sia.75% ah chuan lungawi ta mai ila,ka chanvo ka hloh m?adik tho a miang le?
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April 8th, 2009 at 3:11 am
i’m just wonderin… accident toh in insurance in pek tam ve tho a trul em???
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April 8th, 2009 at 6:36 am
Mizoramah hian Ngatinge sorkar motor tam zawk hi insure an nih ve loh le? Traffic Police te’n insure loh motor an man thin, an Dept. Motor ngeite hi insure loh vek a nisi. Hei hi danin a phal em ni?
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April 8th, 2009 at 7:43 am
CTP kan ti mai a Compulsory Third party insurance hi neihvek angai hrim hrim ani lawm ni? Motor register tur pawn khi insurance khi neih phawt angai thin. Khi khian mi kan sut/chil/injure te chauh a huap leh nghal.
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April 8th, 2009 at 8:46 am
Lily-Par..hei hi ka duh ania.Ka lo ti leh dawn,Chuan chiahpuam kha Hringnun Monthly Mag ah April issue ah an ti chhuak.I duh leh i chhung te kha lo hrilh ve mai mai la.Tuna i post hi ka duh a nia..i hre thiam mai ang chu maw.
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April 8th, 2009 at 8:50 am
First part,second party tih hi ka hre ngai lo a.Third Party insurance ka hre lawi sia a.Ist leh 2nd party insurance a awm lo em ni.Lily lo sawi chiang deuh teh.
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April 8th, 2009 at 9:54 am
Kan car thla 1 pawh a nih hma in gypsy hard top in min sut sak a, a tlan daih lehnghal a. A bumper leh a kawngkhar a su khuar duk a. Police leh a car agent ten 1st year a ni sia, claim su, an ti vek a. A awmzia vak hre lovin kan repair a, 6000 vel kan seng a. Claim loh tur insure hi ka hrethiam lo. Enge 1st yr a claim hi that lohna le?
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April 8th, 2009 at 10:42 am
kan lo chhan khalh ange, burger, insurance i lei/lak hian nangmah kha 1st party ania, insurer company kha 2nd party. Midang lo involve ve ho kha 3rd party. hrethiams
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April 8th, 2009 at 10:44 am
@Faqir_musket
INsured declared value kha a poimawh. i bike khan a tira aman ang reng kha a phu bik tohlo. chuan dedcution aneih zat kha ot bokla. atir ah doc. en chian angai a sin.
@lovely : I claim zat ah an lungawilo a nih chuan (accident tok tuzok i nia) court angai mai thei or I hnathoh lai an tihbuaia sum i chanphah kha Tort Law hman angai leh daih theih bok.
@sonju
Sawrkar, Local authority motor hi Insurance theih ani lo.
@aryan & burger:
ka soi chian chiang viau emo ka tia. Liability only khi compulsory third party insurance ah ngai roh. a tel lovin tuman public road ah motor an khalh theilo.
@ruati
min mail la… ka hman hunah chiangkuang deuhin ka ron hrilh ang che
mawia.mizo@in.com
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April 8th, 2009 at 10:45 am
@Aryan
Amen!
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April 8th, 2009 at 11:10 am
@lily parmawi chu thawh tha thei khawp mai. Insurance/stock vel ah min finchhuah peih a a hlawkthlak khawp mai. mIRC ah misual ho hruaiharh ka tum i tih kha ka la hre reng a nia (nick dang ka hmang a mahse sawi awih loh
) Han ti zel teh misual nih man a awm e 
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April 8th, 2009 at 1:25 pm
@lily: ka car hi kum 10 chuang a ni tawh a,tunah hian insurance a dam tawh lova, UI ho hian a car hmu kher lovin an insure duh si lova.Kei lah Aizawl ah ka awm rih si lo.Ka car lah hi Aizawl tlan thleng tlak a ni meuh tawh si lova.Engtin emaw insure dan kawng a awm thei em?
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April 8th, 2009 at 1:58 pm
paih daih roh aizawl poh tlan thlen pui ngamloh car te chu aaa…:)))
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April 8th, 2009 at 3:28 pm
@falcon
Ava buaithlk ve!!
an ron kal thei silo, nangin i khalh thleng thei silo… han tih vak dan a financially chuan ahar ngang mai
Mahse, ilo ti thei a nih chuan IDV(insured declared value) ka soi hmang khian a value an chhut ang. model hlui toh tak anih chuan a value kha a hniam viau mai thei.. khami value a zir khan poisa pawh i pek angai bok.
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April 8th, 2009 at 3:34 pm
Tetea_t, ka thlawp a che ( regarding Health care scam). Fimkhur chu a ngai khawp mai…FIR tihvelah kan buai tawh bok nen…mahse fimkhur over chuan tlem tlem in misual hian visitors leh active members a chan (hlauh) ve hret hret ang, ka rin dan ve mai mai in. Misual a active members kan lo intihtheihna ve ber ( mizo websites zinga visitrs ngah ber ) status hi engtik ah emaw kan la hlauh ang tih ka hlau khawp mai. Tin, aizawl lam awm te khan tran han la ula, breaking news ngaihnawm deuh kha rawn post thuai² thrin ruuuuu
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April 8th, 2009 at 3:44 pm
@BMW, i comment kha a bo daih! Tinge a??
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April 8th, 2009 at 3:47 pm
Pi black-i koment kha a bo daih!
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April 8th, 2009 at 3:51 pm
misual admin hoin an kick aniang
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April 8th, 2009 at 3:52 pm
wonder, ka ron sawi chhan che a nih kha. aizawl ah i awm a, internet connection i nei a, zing thawh velah ei rawngbawl i ngai lo bawk a…news paper thil vel hi ron scan la, ron post pop thrin teh!! website dang a mi lakchhan ziah ngai lovin
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April 8th, 2009 at 3:52 pm
motor mai nilo, engkim deuh thaw hi chu insure vek an tha in ka hria,
wonder i bialnu pawh kha insure ve tawp rawh, i tisual lovang
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April 8th, 2009 at 3:54 pm
funny, j.lo pawn hmanah a back-light a insure tawh tak kha mawle!! lol
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April 8th, 2009 at 3:56 pm
hahaha, back-light berkher a LOL
keipawh ka hmeltha tak hi kala insure ang
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April 8th, 2009 at 3:57 pm
keipoh ka comment a bo daih… Chingpen chungchang
@funny chhas insure chu chi loh, thlak duhin a buaithlk palh ang.. Nupui/chhass trial verson zon mai chi jok
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April 8th, 2009 at 4:03 pm
haha Lily; a demo zawng hian nei teuh ila tiro hmeichia chu.
BTW i post tha thei khawpmai, misual brand personality a ti sang awk thin in ka hria, thil tha deuh deuh post hian
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April 8th, 2009 at 4:04 pm
funny, nia i hmelthra vuuut lai tak kha!! lol Sap ho hian an lo uar hmel khawp mai…
Interestingly enough, Lopez’s ass is not the only celebrity body part that is rumored to be financially guarded. Dolly Parton’s breasts, male stripper Frankie Jankman’s penis and both Bruce Springsteen and Rod Stewart’s voices join the ranks as well.
source: https://eegumancoff.blogspot.co.....r-ass.html
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April 8th, 2009 at 4:07 pm
pi BMW ka hmeltha kan insure chuan ka to awm mange aw
tiik teek mai dawn a
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April 8th, 2009 at 4:26 pm
@pi black, ti mah ila a creative lo a original lo an tia nga an publish leh chuan lo ang. Hahthlawmna mai2
@funny, bajaj alliance ah teng 2 in a theih a nia
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April 8th, 2009 at 5:07 pm
Motor Insurance chungchang, thu bengvarthlak tak mai, Lily_Parmawian a han ziak hi a chhiartuten kan hlawkpui ngei ka beisei. Amaherawh chu sorkar motor te insure ve theihloh anga a han tarlang erawh khi chu hriat sual palh liau liau aniang. Sorkar motor te tan insurance hi compulsory ani velova, department hotuten an duh zawk chuan an insure lo thei chauh zawk ani. Tunah pawh hian MST Bus tam zawk te hi National Insurance co Ltd ah insure mek ani.
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April 8th, 2009 at 5:20 pm
@Bawngkuaivuna
A lawmawm e, ka tihsual ah. Compulsory tak kha:
Sec. 146 of the Motor Vehicle Act, 1988 gives EXEMPTION to the following vehicles:
1. Central/State Govt. Vehicles used for govt. purpose.
2. Any vehicle of Local Authority
3. Any vehicle of state transport undertaking.
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July 27th, 2011 at 2:52 pm
ÑÒÎÈÌÎÑÒÜ ÄÅÌÎÍÒÀÆÍÛÕ ÐÀÁÎÒ…
minny…
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