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There are a lot of features in insurance that are important. People are under the misconception that if a premium amount is paid, the insurance company would automatically provide the insurance claim amount. In a car insurance policy, there is a feature called a ‘deductible’ that plays a very important role in the policy. Read further to understand what this is in detail.
What Are Deductibles in Car Insurance?
A ‘deductibles’ is an amount the policyholder must pay when a claim is raised. It is after this amount is paid that the insurance company will provide the sum assured to settle the claim
Types of Deductibles
Compulsory Deductible
The Insurance Regulatory and Development Authority of India (IRDAI) has made compulsory deductibles mandatory. The insurance companies have a fixed amount set as per the IRDAI directives. The amount depends on the engine capacity. For instance, deductibles for cars less than 1500cc is Rs.1000 and those above 1500cc is Rs.2000. While insurance companies follow the IRDAI directives, there are chances that they might increase the deductible amount for older cars, cars with higher cubic capacities or cars with very high claim amounts. The policyholder must pay the amount declared by the insurance company and one cannot reduce this amount
Voluntary Deductible
As the name suggests, this is an optional deductible that the policyholder can opt to pay. This is an additional amount to the compulsory deductible that one can choose to pay. While the compulsory deductible does not affect the insurance premium of the car insurance, the voluntary deductible does. Choosing to pay a voluntary deductible can decrease the premium rate since this is inversely proportional to the premium amount. One must decide this amount after considering affordability, risk, exposure, and other required factors. If one is an experienced driver and drives safely, there is very less risk involved and they can choose a higher voluntary deductible to save on the insurance premium amount
Basic Difference Between Compulsory Deductible and Voluntary Deductible
_1647419857781.jpg "Here is a detailed table on differences between Compulsory Deductible and Voluntary Deductible")
Why Are Deductibles Important?
– To lower the incidence of claims
– Compulsory deductibles discourage policyholders from making petty claims. If the repair costs less than the compulsory deductible, one would not receive the claim amount and they would unnecessarily lose their No Claim Bonus
– Voluntary deductibles ensure that policyholders do not raise fraudulent claims. Since they must share the expenses, they would avoid raising petty claims as well
– High deductible encourages the driver to drive cautiously
Deductibles are a way of making the policyholder feel responsible while making claims. One can consider paying voluntary deductibles if they are a confident driver and can save a considerable amount on insurance premiums.
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Understanding COSC Certification and Its Importance in Horology
COSC Validation and its Demanding Criteria
COSC, or the Official Swiss Chronometer Testing Agency, is the authorized Swiss testing agency that certifies the precision and accuracy of wristwatches. COSC certification is a mark of excellent craftsmanship and trustworthiness in timekeeping. Not all watch brands pursue COSC certification, such as Hublot, which instead adheres to its own demanding standards with movements like the UNICO, achieving similar accuracy.
The Science of Exact Timekeeping
The central mechanism of a mechanized watch involves the mainspring, which delivers power as it loosens. This system, however, can be vulnerable to external elements that may impact its accuracy. COSC-accredited movements undergo demanding testing—over 15 days in various conditions (five positions, three temperatures)—to ensure their durability and reliability. The tests assess:
Mean daily rate precision between -4 and +6 seconds.
Mean variation, maximum variation levels, and effects of thermal variations.
Why COSC Validation Is Important
For watch fans and collectors, a COSC-validated watch isn’t just a item of technology but a demonstration to lasting excellence and accuracy. It symbolizes a timepiece that:
Presents outstanding dependability and accuracy.
Provides assurance of quality across the complete design of the timepiece.
Is apt to retain its worth more efficiently, making it a sound choice.
Well-known Chronometer Manufacturers
Several well-known brands prioritize COSC certification for their watches, including Rolex, Omega, Breitling, and Longines, among others. Longines, for instance, presents collections like the Record and Spirit, which highlight COSC-validated mechanisms equipped with cutting-edge substances like silicon balance suspensions to enhance resilience and efficiency.
Historical Background and the Development of Timepieces
The notion of the chronometer originates back to the need for exact chronometry for navigation at sea, emphasized by John Harrison’s work in the eighteenth cent. Since the official establishment of COSC in 1973, the accreditation has become a benchmark for evaluating the precision of high-end watches, continuing a legacy of excellence in watchmaking.
Conclusion
Owning a COSC-certified timepiece is more than an visual choice; it’s a commitment to excellence and accuracy. For those appreciating precision above all, the COSC certification provides tranquility of mind, ensuring that each accredited watch will perform reliably under various conditions. Whether for personal satisfaction or as an investment, COSC-validated watches distinguish themselves in the world of watchmaking, carrying on a legacy of careful timekeeping.
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