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Data:2009-12-12 2:34
╿Minimum security programs
Portfolio insurance: third party liability insurance.
The scope of protection: only the loss of a third party liability.
Applicable object: anxious to get on a license or through the annual inspection of individuals.
Features: Only minimum security, low cost.
Advantages: can be used to meet on a license or inspection car.
Disadvantages: Once the crash, or gave the driver, the other side's loss to get some compensation insurance companies, but they only had himself to the burden of the loss of vehicles.
╿Basic security package
Portfolio insurance: Vehicle damage insurance + third-party liability insurance.
The scope of protection: only the basic insurance coverage, does not contain any additional risk.
Features: cost appropriate, to provide certain basic guarantees.
Applicable to the object: There is some economic pressure on the owner.
Advantages: the need for the highest.
Disadvantages: not the best combination, it is best to join, excluding special insurance deductible.
╿Economic Insurance Program
Insurance combination: the loss of vehicles third party liability insurance + insurance + insurance +, excluding special deductible entire vehicle Daoqiang Xian.
Features: insured four most essential and valuable insurance.
Application object: an individual-conscious choice.
Advantages: the most valuable insurance coverage, insurance, cost effective, people are most concerned about the loss and 100% payment and other major risks are guaranteed, the premiums are not high, but contains a relatively practical, excluding special insurance deductible. Of course, this still is the most comprehensive insurance schemes.
╿the best protection program
Portfolio insurance: Vehicle damage insurance + third-party liability insurance liability insurance + car + insurance + windshield deductible, excluding special risk + the entire vehicle Daoqiang Xian.
Features: in the economy on the basis of the insured program, joined the board liability insurance and insurance windshield, so that passengers and vehicles to be vulnerable part of the security.
Application objects: general company or individual advantages: high-value insurance coverage, not wasting the money, value for money.
For example: To a 1.6 million Chinese-made cars, for example, if a passenger vehicle liability insurance only for the vehicle insured persons, according to seat insurance rate 0.9%, according to the approved number of seats for insurance rate 0.5 %, glass made by a separate windshield glass breakage rate (0.15%) insurance.
1, the car seat damage liability insurance by 500,000 yuan: 3460 +500000 × 0.9% +160000 × 0.15% +3460 × 20% +160000 × 1% = 10492 Yuan
2, vehicle liability insurance coverage according to the approved number of seats 500,000 yuan: 3460 +500000 × 0.5% +160000 × 0.15% +3460 × 20% +160000 × 1% = 8492 Yuan
╿complete security programs
Portfolio insurance: Vehicle damage insurance + third-party liability insurance liability insurance + car + insurance + windshield is not deductible additional equipment and special insurance + Loss + Loss + spontaneous entire vehicle Daoqiang Xian.
Features: the preservation of insurance, be vigilant against danger. The insurance can protect all the insurance, calm the road, do not have to worry about the risks posed by traffic.
Applicable object: the owner of economic prosperity.
Benefits: Almost all vehicle-related incidents of loss can be compensated. Fewer insured people do not have to protect a certain lack of insurance and compensation insurance policy mistakes bear the loss.
Drawback: the preservation of the high insurance premiums, some insurance Chuxian chance is very small.
For example: To the 1.6 million new cars, for example, the additional loss of equipment and insurance rate of 1.2%, ignition loss insurance rate of 0.4%.
1, vehicle liability insurance coverage according to seat 500,000 yuan: 3460 +500000 × 0.9% +160000 × 0.15% +3460 × 20% +30000 × 1.2% +160000 × 0.4% +160000 × 1% = 11492 Yuan
2, vehicle liability insurance coverage according to the approved number of seats 500,000 yuan: 3460 +500000 × 0.5% +160000 × 0.15% +3460 × 20% +30000 × 1.2% +160000 × 0.4% +160000 × 1% = 9492 Yuan.
