Category: Insurance tips Release Date: 2006-08-01
November 1, People's Insurance Company Che Sunxian do a major adjustment of rates, safety Chengdu companies to adjust rates for auto insurance, auto insurance in Chengdu, the two companies hold more than 60% market share its impact on the market rate adjustment, of course not be overlooked. In this case, the policyholder the option to make what is better?
Should not choose the absolute novice 500 deductible life insurance provisions of the new rates for Ju Sunxian Following the launch of one of the focus should not be launched the "500 deductibles." How do the actual situation according to their own analysis of whether or not to the absolute 500 deductible then?
Sichuan Province in the People's Insurance Company of the Chuxian records, just to get a driver's license to drive in a year driving experience about Chuxian the highest probability. Chuxian claims within a year up to as many as 20 times, almost every month once or twice, but each claim is only a few hundred yuan. Therefore recommended that novice must buy "Excluding deductibles and is not counted Mianpei Lv" The two additional risk, that is, not the absolute 500 deductible.
For starters, because the driving skills of unskilled in the first year compared to the situation Chuxian more. But the vast majority of novice drivers more cautious, so a relatively small risk of major accidents, most are small Ð a small rub, maintenance, generally the amount of 200 yuan to 1,000 yuan. Therefore, the novice driving, or spend some money, not that 500 number absolutely deductible is more cost-effective.
More times Chuxian the best life insurance for insurance companies to adjust the rate of Che Sunxian after the Chuxian the previous year increased the number of times, if a good driving record, you can consider continuing in the People's Insurance on insurance, this can be more Multi-rate discount. Otherwise, we should consider selecting other insurance companies auto insurance in order to reduce some of the premium.
In one case can illustrate the problem. Mr. Zhang car 5 years, 4 consecutive years of not Chuxian, this insurance Jusun Xian, three insurance, Daoqiang Xian, broken glass, a separate insurance, vehicle liability insurance and workers, excluding insurance and other insurance contractual Mianpei Shuai, under the new vehicle insurance terms of rate regulations, due to the personal safety of Mr. An and other reasons driving record, favorable ratio of 40%.
Another case is just the opposite. Li due to lack of driving experience, one year, there have been five times the incident, there are still almost twice wounding. Now he has come insured Chesun Xian, three insurance, Daoqiang Xian, broken glass, a separate insurance, the vehicle officers liability insurance, excluding Mian Peishuai insurance, excluding insurance and other insurance deductible, because many incidents over the previous year, vehicle damage risk ratio of 80% of the float. If the Chuxian 7 or more times within a year, then choose the terms PICC insurance, Che Sunxian rates will go up 200%.
Thus, in the previous year rate is relatively high Chuxian circumstances, the insured can choose other insurance companies in order to get the same protection under the able to pay less premiums.
Enough to buy a third party insurance auto insurance primary insurance for third party liability insurance and Chesun Xian. If you do have just bought a new car, I suggest you have the best preservation of these two types of insurance.
Because auto insurance rates are fixed, and therefore the number of premiums paid depending on the amount of automobile insurance, the level of their own. For the family car, the current amount of insurance the three general insurance is divided into three grades: 5 million yuan, 100,000 yuan, 200,000 yuan. Insurance experts recommend you the best insurance 200,000 yuan, because in the new "Road Traffic Safety Law" after the implementation of a vehicle and the amount of the liability have increased a lot over the past 100 thousand yuan or less be able to "juggling his" accident now 200,000 yuan is not necessarily sufficient.
Full insurance Jusun Xian Ju Sunxian points and not full insurance, full insurance. In the case of a qualified insured Chuxian, the insurance is based on the insured amount and the car you actually own the value of the proportion of compensation. If you have 10 million family cars, only 50,000 yuan of Che Sunxian insured, then assume that the body losses 1 million, only to lose on the 5,000 insurance companies.
In addition to the main risk auto insurance, there are more than 10 or so additional insurance, the insurance people who remind you, in which the "non-deductible account special clause" can not be ignored. Because if not the insurance cover, they just take full responsibility when Chuxian, insurance companies, only 80% of the compensable loss, if the bear equal responsibility, the insurance company only paid 90%. Slightly earlier estimates, a 10-million family cars, 3 are Hoashi premium of approximately over 3,100 yuan.
But for a period of just scrapping old cars approaching, it is recommended only insured third party liability insurance, because the real value of these cars is very low, the insured amount is clearly not worth much.
Is very important to maintain a good record while the fixed rates of insurance companies, but the general consensus on "quality customers" to give preferential policies, such as the one-year non-renewal Chuxian vehicles in the second year when the insurance company will get reduced rates.
Therefore, the insurance claims last year and whether the violation, the number of premium plays an important role. If there is more in the last year, illegal acts or claims, then the second year auto insurance premiums will go up and vice versa, if continuously insured with the company for three years no claims, then the premium paid by the next year will normally be preferential treatment 30% were insured Che Sunxian species, the benefits can reach the highest 50%.
Suppose you are middle of this year, the vehicle there are some minor defects, such as abrasions, scratches, etc. not spend much money, it may be from his own pocket repairs.
