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Data:2009-12-12 2:34
How the insurance of the most cost-effective? Bought the car should the insurance, the face of a large number of insurance companies and insurance, how to according to its own conditions and requirements for insurance, how to maximize the efficiency of money is not so simple
In the text before the start, let us digress for a moment or the first run:
First of all, buying insurance is like buying a car, when you are faced with a number of insurance companies and a number of insurance at a loss, we give you some information about insurance companies and a variety of auto insurance basics.
Second, because the premium is a combination of software and often require complex calculations, the company's method of calculation are not the same, today, we do not want the specific rates of various insurance companies and calculation method of analysis and comparison, but rather to give We buy insurance for a number of considerations and techniques. These include how to select insurance companies, how to choose insurance and so on.
Finally, we returned to share with you some new changes in insurance in 2005 and the current controversial "third party liability insurance," some of the background knowledge and some of our price forecasts for the insurance.
Let's talk about the most important - how to choose insurance company?
Currently, auto insurance companies handle a lot of them People's Insurance Company (PICC), the Pacific Corporation (CPIC), and Ping An are relatively large, nationwide companies have a business, large companies are characterized by relatively high standard claims, claims process is relatively faster, but in many cases 4S stores in accordance with the maintenance costs of compensation to the customer, so if you
1. Your car is a car
2. Your car prices are relatively high
3. That you are a high quality maintenance requirements of
So, we suggest you choose big companies, preferably in your car insurance 4S shop, this can better meet the repair and claims requirements. But the company's weaknesses are:
1. The same models and types of insurance, the premium is higher than the small companies, for example, are equally a 10-million new cars were one-year full-risk insurance premiums may be higher than the smaller companies 500 600.
2. As the monopoly of large companies there may be some of the more unfair terms. Such as the People's Insurance Company's "Chuxian amount below 500 yuan, instead of losing."
The characteristics of small firms and large companies on the contrary, in general, than the amount they paid large companies, fixed the level of maintenance works not as large companies, but sometimes the quality of service is not reliable enough, but usually will be relatively low rate (book on the costs are not necessarily low, but a great discount), so, if the
1. Your car is a used car
2. Your car price is not high
3. You are not particularly high for the maintenance of the quality of the requirements of
So, we recommend you choose a small company, so that cost relatively cost-effective. In addition to these general laws, the insurance companies for customers, and sometimes some short-term benefits will be introduced, for instance, Ping An Insurance will be able to phone in Beijing to enjoy a relatively large margin of preference should also be taken into account. After the election of the insurance company, let us look at --
How to choose insurance?
In accordance with the importance of car insurance is divided into the basic insurance and additional insurance, the basic insurance including: loss of vehicle insurance and third party liability insurance. Additional risks include: the entire vehicle Daoqiang Xian, car liability insurance, broken glass, a separate insurance, spontaneous loss of insurance, special insurance, etc., excluding deductible. There are several considerations and tips:
1. Third-party liability insurance is compulsory to be insured, or insured vehicle not pass the annual inspection.
2. Vehicle insurance is an additional risk of loss basis, and only in order to ensure security of Che Sunxian other additional risks.
3. Additional risks, the owner can choose according to their own circumstances:
For example: If your car has been in daily use process are more reliable, secure parking in the park, the road to work is also not particularly quiet section, we can consider not Paul Daoqiang Xian (but if your car belongs to very common, the loss rate is relatively high vehicle, it must be to protect Daoqiang Xian). If your car is very cheap, then the insurance premium on the glass, windshield glass itself, the price may reach 30% ~ 40% is very uneconomical, so the risk could be considered giving up the glass. Another example is your car is a car, then the chances of spontaneous combustion is very low, could be considered one day.
4. We recommend excluding deductible insurance must protect, otherwise, once the Chuxian, insurance companies paid a maximum of only 80% of the total losses.
5. Should also note that many insurance companies now calculate the rates based on different models, some older models, or the first long rates may be higher.
Third-party liability insurance in the future would be their prices?
Relative to foreign countries, China's third-party liability insurance is relatively low ceiling on compensation, we have a common standard of 50,000 yuan and 10 million in the event of a major traffic accident casualties, these money pales. In foreign countries, third-party liability insurance is usually the maximum compensation limit of the hundreds of thousands, millions of dollars (or euros), and are imposed, so that major traffic accidents, the victims and their families have access to adequate payment.
So, why my payment reach such a high amount of it? Let us first calculate the sum calculation: In 2003 China's underwriting of motor vehicles is 23.8 million, three insurance premiums paid by commercial 190 billion in 2003 a car accident casualty of nearly 60 million people. If the average casualty count, 10 million as compensation payments (and not that much), 100,000 × 60 million = 60 billion yuan. 60 billion yuan more than 19 billion yuan, where there are 400 billion gap, if you want to improve the payment amount, and the gap would be even greater.
Therefore, the accident victims in order to get more compensation, in theory, there are several options: 1. To improve road safety, reduce traffic accident casualty rate; 2. The establishment of social security funds to supplement the funding gap; 3. To improve third-party liability insurance premiums. From a practical point of view, a short time to reduce casualty rates are quite difficult, therefore, the establishment of social security funds and improve the third-party liability insurance premiums may be implemented within a period of time in the future more feasible.
Small knowledge:
Three major insurance companies: The Chinese People's Insurance Company, Pacific Insurance Company and Ping An Insurance Company
PICC Property and Casualty Company Limited (referred to as "Bulgarian" or "People's Insurance") is by the Chinese People's Insurance Holding Company initiated the establishment of the China mainland's largest non-life insurance companies. In the motor vehicle insurance, Bulgaria occupies about 7 percent of domestic market share, is the absolute boss auto insurance industry, so it's every move a great impact on the market.
China Pacific Insurance Company (referred to as "CPIC") was established in 1991 with corporate headquarters in Shanghai. After more than ten years of development, Pacific Insurance Company increased the size of motor vehicle insurance business rapidly, now residing in the nine domestic-funded insurance companies second.
China Ping An Insurance was founded in 1988 and headquartered in Shenzhen, is a Hong Kong listed company in 2002, breaking 50 billion yuan premium. The current scope and scale of auto insurance business has been considerable.
Several major types of insurance:
Basic insurance: Vehicle damage insurance, third party liability insurance
Additional insurance: Daoqiang Xian, glass insurance, spontaneous loss of insurance, excluding deductible
Loss of vehicles:
Loss of vehicles is subject to insurance, liability insurance, vehicle within the scope of natural disasters (excluding earthquakes) or accidents, resulting in loss of insurance, the vehicle itself, insurance, insurance contract pursuant to the provisions of compensation.
Third-party liability insurance:
Third-party liability insurance is the vehicle for insurance, liability insurance, accident, causing others to suffer a direct personal injury or property damage, the insurer in accordance with the provisions of the insurance contract compensation.
The entire vehicle Daoqiang Xian
Liable for accidents caused by vehicles, the vehicle the personal injuries and the vehicle of direct damage to the cargo liability.
Individual insurance windshield
Vehicles parked or use of the process, the rest is not broken, only a single break or broken windshield glass, windshield glass, the loss by insurance companies for compensation.
Loss of spontaneous combustion
Loss of self-ignition, the vehicle due to the circuit, circuit, fuel system failure as a result of carriage of goods cause of the fire burning their own insurance, loss of vehicles.
Excluding special insurance deductible
Loss of vehicles or vehicles which occurred on third-party liability insurance, accident insurance compensation, right shall be borne by the insured person deductible, the insurance company to pay compensation.
