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Data:2009-12-12 2:34
Mr. Zhou has recently purchased a 79.8 thousand yuan a white Jetta, but the choice for their car insurance he has made a difficult, faced with a number of different insurance companies, insurance, how should select the most suitable for your own auto insurance products?
Concerns for Mr. Zhou, the reporter recently interviewed industry experts on how to choose a new car is economical and can be fully guaranteed insurance products for everyone to make answer.
The choice of a new car as far as possible all risks
Novice car inevitably spat, the frequency of accidents is relatively high. Therefore, the insurance experts suggest that the owner, if the installment method is used to buy a new car, according to require that you purchase all-risk insurance; if you use the whole paragraph purchased a new car, you own is a novice, In addition you should also consider purchasing insurance outside the spontaneous loss of the contents of all the insured.
In the whole risk, the third-party liability insurance the best compensation for the higher insurance limit, so whether you hit someone else, or someone hit you, have a good deal. In addition, you purchase a new car to attract passers-eye at the same time, it also attracts the attention of thieves, it is proposed insured Daoqiang Xian, of course, if the car park security measures in place well, do you think safe, you can also consider not insured.
Take a step back in terms of, even did not happen, you will not spend the premium is very unjust, because your record of the insurance companies lower the accident rate, next year's premium discounts with it.
Of course, if you own a car on the so-called "all risk" also does not mean that all insurance companies will Chuxian claims. According to the terms of the insurance companies, vehicle damage insurance, third party liability insurance has a corresponding responsibility for the accident Mian Peilv factor. At the same time the insurers are specified in the insurance provisions of the accident, depending on the driver's responsibility should be borne Mianpei Lv. These provisions, designed to encourage drivers to drive safely and reduce the risk of unexpected.
Banks, offices and other employees enjoy big discounts
It is understood that insurance companies this year have been adjusted for the premium. In addition, implementation of which began this month, "off limits order" is also the insured can get a discount not as a concession. Meanwhile, the closely watched "motor vehicle traffic accident liability compulsory insurance regulations" will be implemented July 1, which is China's first legislation to enforce the insurance insurance, many car owners are worried that an auto insurance costs will rise again a. But when the reporter was informed at the same time, engaged in medical doctors, journalists, bank employees and other professional staff in particular, insurance companies believe that their Chuxian rate lower than the ordinary car people, so I will give preferential treatment.
An insurance business leader told reporters that, if you are health, culture, education and the staff of state organs, or I am a civil servant, then you and your family will be the first to buy when you can enjoy a lower auto insurance discount generally up to 5-7 fold.
For those who have purchased the insurance vehicle insurance next year, when, under normal circumstances can get the following discounts off 9, if for two consecutive years without any accident claims, human security and even the insured will be given 5 off benefits. However, as most of the corresponding driver car novice, so Chuxian rate is relatively high, some insurance companies were reluctant to provide discounts to the car, or only very limited access to the discount.
How to choose a more cost-effective?
In determining the choice of insurance that should get preferential treatment, as well as the future, we have the process of buying auto insurance how to choose insurance buying process also should pay attention to what the problem? Experts point out that if your car is a car, and the relatively high purchase price with the option of full coverage of large companies. Because of the more high-end cars, repair costs will be higher accordingly, if an accident, it may bear the greater the economic pressure, while the relative amount of large companies will be higher paid, on-site maintenance of plant level is also relatively high.
However, the premium paid of view, in general, the same models and insurance of large companies than small companies higher premiums. If your car is a used car, or the purchase price is not high, the cost of repairs will not be very high, and your driving skills and relatively mature, relatively small companies, cost-effective choice.
In addition, experts advise the insured, if your car regularly go Paozhang Tu, then it should try to choose something like life insurance, safe way to insure the larger insurance companies, because insurance companies will have branches throughout the country, you can at the local handle set loss, claims, etc., while the smaller companies may need your vehicle shipped back to Beijing or have branch offices in areas to the claims of the. In addition, experts suggest that the owner can not only re-insurance auto insurance prices, it should be the actual situation in light of their own vehicles, such as how often Paozhang Tu, the advisability of appointing someone to drive and so on, integrated services they need when Chuxian decision.
Some insurance companies list car insurance premiums
Unit: Yuan Bao-Pacific Earth
Three insurance (100,000 yuan insured amount) 974.6 1155 974.6
Che Sunxian 1424.73 1067.8 1030.64
Dao Qiangxian 772.62 798 722.62
Glass Insurance 114.55 119.7 119.39
Board staff 242,222,242
Total 3528.5 3362.5 3089.25
Note: This data model CiX-P partners common type Jetta, for example, a total amount of 79.8 thousand yuan. Data from the agency before the public offer discounts, the specific circumstances latest data as the insurance companies.
Wang Fei / Tab
Daily Links
New car insurance "four, instead of losing,"
For his own car to buy a full insurance through the same means that you will own vehicle into a "safe", can get away with driving out? According to report, even if you purchased the vehicle for their own all-risk insurance, driving the process also requires attention to many details, as many special circumstances to bring you the loss does not belong to the scope of insurance claims, in order to avoid unnecessary expenditures, experts recommend you buy a new car insurance, then, to learn more about the following four kinds of circumstances, does not belong to the insurance coverage.
Accident pilot did not intentionally lose
According to the insurance provisions, the driver's intentional acts were the responsibility of the scope of exemptions, so even in the event of any emergency situation, if the driver intentionally caused the accident, insurance companies are not responsible for payment. Therefore, experts suggest that the owner must abide by these terms.
Taiwan does not lose hit by a car
Industry sources have told reporters that third-party liability insurance, vehicle insurance is only responsible for damages caused by accidents, third party personal injury or property suffered a direct loss. In the third-party liability insurance required under the terms, "third party" in the definition does not include the insurer, the insured person, the car accident when the driver and family members as well as the insured person's family members. Therefore, if you accidentally hit apply on not only to bear the emotional pain, but also can not get the insurance company paid.
Parking fees are not compensable Diuche
It is understood that, under normal circumstances, the vehicle at the toll parking lot or commercial repair shop in the stolen, insurance companies are not responsible for payment. Because the insurance company that places on the above vehicles, parking is the responsibility of custody of the vehicle, so the custodian of custody of the vehicle due to poor vehicle caused by loss of need for the custodians, the responsibility.
But experts still suggest that the insured, regardless of whether the insurance company is responsible for claims, you should first report to the insurance company and immediately a claim to the yard. In addition, the driver must pay attention to keep a good parking receipts, and close custody, in order to contingencies.
Missing items do not lose the car
Experts pointed out that under the scope of insurance products in insurance, the provisions of the Dao Qiangxian the scope of compensation is only the vehicle itself, excluding vehicle items. Currently insurance companies do not cover the majority of items in the car, and only a small number of the company's property insurance products can be committed to the car's special items for compensation. Therefore, experts suggest that valuable items insured as far as possible on the relatively safe place, or carry, so as not to suffer unnecessary losses.
