Category: Insurance tips Release Date: 2006-08-01
Mr. Zhang, 32-year-old, three years ago, has passed the driver's license, but had little opportunity to "practice." Late last year, Mr. Zhang, the unit where the implementation of vehicles have changed, he decided to bid farewell to the New Year with "The" no car "books family" life, and bought a brand-new luxury car 1.8AT Bora.
Needs of new car insurance, auto insurance is nothing less than three parts: Che Sunxian (compensation for damages for the vehicle itself), third-party liability insurance (hit someone else, the insurance company on behalf of a compensation payment), and there are numerous additional insurance on the car damage insurance and third party liability insurance supplement insurable may from time to insurance).
Mr. Zhang choice placed in front of a lot, because there are only 11 in Shanghai, People's Insurance Property Insurance Property Insurance ---,太平洋产�Ping An Property & Casualty, Cheonan, China and Thailand, the Chinese joint, public, peaceful, earth, Hua , balance --- introduced the related insurance products, these products each have their own characteristics, prices and services vary, so what is the most affordable choice?
After the car owners will often charge d'affaires from the car dealers, insurance, It does save trouble a lot, but your wallet will be actually a few large bills, so one less. It seems, or their own hands and clothing!
Che Sunxian Che Sunxian must be bought, there is no room for selection. However, if the car is only open his own future, or only a few relatives and friends to open, then their basic information available to insurance companies, claiming, "agreed the driver."
If a vehicle is mainly used their own to work, then the "main driving area" option in Shanghai in "option. The two owners can enjoy some preferential treatment.
Many insurance companies now launched the 500 yuan of deductibles "Additional risks, namely, the incident loss of less than 500 yuan is not responsible for compensation for losses other than 500 is first deducted 500 yuan, and then on the Mian Peishuai calculated in proportion to the amount of compensation provided. However, many companies, this additional insurance is optional, but the People's Insurance Insurance is mandatory.
As Mr. Zhang has done a three-year "family books" lack of experience driving, usually a small hit small knock is difficult to avoid, it is proposed not to choose "is absolutely 500 deductible."
Third-party liability insurance Third-party liability insurance are generally 50000, 10 million, 200 thousand, 50 million, 1 million, and several other grades, the limit corresponding to the higher premiums are also more.
However, in the new road traffic law and the accompanying compensation arrangements after the introduction of the accident a substantial increase in the amount of compensation. In Shanghai, if the accident caused the death or total disability, compensation payments will normally be 50 million yuan.
Is therefore recommended that owners insure the best choice when you file a 500 thousand yuan. In fact, 500,000 yuan a file and other lower-grade premium is not much difference between the Shanghai motor vehicle third party liability insurance quote now unified, the limit of 200,000 yuan, the base premium of 1,800 yuan; the limit of 50 million, the benchmark premium is also more than 2076 yuan.
In addition, people are concerned about the compulsory third party liability insurance and floating rate issues, the industry argues that the compulsory third party liability insurance will be introduced this year, when all vehicles have to be insured in this insurance.
However, compensation for compulsory third party liability insurance limit is relatively low, most car owners need to choose a commercial third-party liability insurance as a supplement.
As for the floating rate, the owner who should be playing, "twelve spirit," try not to leave the driving record "tainted", which will make each year to pay more premium, even for the insurance company.
Additional risk Common for private cars are more than 10 kinds of additional risks and is a Che Sunxian and third party liability insurance supplement.
For example: "Individual risk of breakage of glass," Che Sunxian corresponds to the "broken glass, a separate" non-indemnity provisions; "the entire vehicle Daoqiang Xian" Che Sunxian corresponds to the "entire vehicle vehicle theft, was robbed, was robbed "No indemnity provisions.
Because of this "family books" open a new car, the first year should be as "preservation of the Hoashi", the following additional insurance is insurance we recommend:
1, the whole car Daoqiang Xian. Because it is a new car thieves who easily lead to a "concern", so it is best to buy.
2, no-fault compensation insurance. After the insurance coverage, and pedestrians (third party) after the collision, if the owner assumes no responsibility, but advance the emergency medical expenses, funeral expenses, but they really incapable of paying a third party, and by the insurance company to pay compensation.
3, glass and body scratches alone Breakage loss insurance (some companies collectively referred to as the "other malicious acts insurance"). As the car parked in the district, the case was "intentionally or unintentionally," draw with a few, you can claim to the insurance company.
4, the vehicle officers liability insurance. If I take family members and friends and often had personal accident insurance coverage, you can not insure that the additional risk. If not, the proposed insured.
As in the food market where you can buy food, "look for value", like auto insurance you can shop around. The following are several ways you can dispense with some of the premium:
1, directly to the insurance companies. Each company to "send door" business has a preferential policy, the discount from 5% to 15% range.
2, Group buy on-line to participate in the activities. Many sites not only organized automobile Automotive Group buy, also organized Group buy auto insurance margin of preference in 10% ~ 20%.
3, through insurance brokers. "Broad road" of the insurance brokers often get discounts from the insurance companies with high insurance policy, earned his commission after the ones who enjoy will be to customers, ones who enjoy the range of 10% ~ 20%. Ask your life insurance agent, perhaps he has such avenues.
