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Data:2009-12-12 2:34
Fewer women to buy auto insurance An insurance dig 3% of the days next month to push deep personal auto insurance for 3 years without an accident rate dropped by 30%.
Yesterday, Shenzhen Tian An Insurance Company announced that it will launch in December in Shenzhen, personalized auto insurance terms and rates, this is the first announcement of the implementation of Shenzhen, personalized auto insurance insurance companies. Wang Xiaoqing, general manager of the company said the new terms and rates for auto insurance has been approved corporation currently being fine-tune the details, followed by the relevant approval procedures will be completed, if things go smoothly, the new auto insurance implementation time will be formally implemented December 1 .
It is understood that introduced a new version of Cheonan insurance auto insurance losses by 11 insurance and 17 additional risk posed at the rate coefficient of 13, buying auto insurance is not only between men and women are different, and models are different at different rates, premium driving experience is also different different, such as insurance, accident did not occur for three consecutive years, rates can be reduced by 30% ... ... difficult to understand for the people "absolute deductible," the new provision also allows the policyholder optional deductibles and Mianpei Lv. In addition, the highly controversial "drunk driving insurance" will also be included in the new auto insurance as an additional risk among the terms. Female insurance rates may drop 2-3%
Shenzhen Tian An Insurance Company assistant general manager Wang Jie introduced a new version of auto insurance, the insured did not occur for 3 consecutive years of insurance, accident rates will be reduced by 30%; drivers running red lights or in the reverse one-way road accident Road, absolute Mian Peilv increased by 10%; for more than three consecutive years of an insured in the day, that is upgraded to VIP customers, the maximum rate reduced by 10% ... ... provisions of the new version, using differences in rates of personal factor, the low accident rate insured, paid insurance fee will be less, and pay traffic, careless driving, traffic accident occurred more frequently directly linked to the premium paid by policyholders. Year, often high-risk vehicle accident, the insured may have to bear up to 30% of the absolute Mianpei Lv.
In addition, the new auto insurance under the driver's gender, age, driving experience different rates of coefficient adjusted accordingly. Driving experience is short, younger drivers who have to pay premiums slightly, the maximum rose to 3%; driving experience long, 60 drivers under the age of the premium paid less the rate reduction factor of up to 8%. Meanwhile, the new auto insurance is also a distinction between gender, women drivers of the rate coefficient significantly lower than that of men generally 2-3 percentage points. Rate coefficient from the entire point of view, middle-aged female drivers to purchase new auto insurance benefits received by most. Beverly expensive than the premium Honda Accord
Tian An insurance new auto insurance for the first time the introduction of age factor. New car insurance, the policyholders receive 10 percent of the concessions, car older than 5 years old cars, classic cars, rates will go up 5% coefficient, making the insured a more equitable sharing of maintenance costs.
In addition, the new auto insurance loss insurance for the first time a separate vehicle looted as the basic insurance, no insurance as an additional loss of vehicle insurance. Policyholders without insurance can be direct insured vehicle Daoqiang Xian Ju Sunxian. Dao Qiangxian to determine the amount of insurance as private cars, according to the actual value of the insurance of vehicles to determine the rate of reunification, not points A, B, C, D grade 4 compensation for accrued premium income.
High and low risk for vehicle theft, Dao Qiangxian model coefficient increases, the model sub-4 grades, different levels of vehicles to pay the premiums vary. Among them, grace, Blue Jays, Sonata, FAW Red Flag, Beverly as a class model, rates rise 2 percentage points; Santana, Xiali, Iveco, Jeep Cherokee, Otto and other models Class 2 vehicles, rates rise five percentage points; Honda Accord, Guangzhou Honda Accord 2.3, FAW Jinbei, Changhe brand models such as the three categories, rates increase 25 percentage points. Other models rates remain unchanged. The greatest beneficiary of the private owners
New auto insurance is one of the larger changes in car insurance car insurance amount of loss determined way. The actual value of vehicles by the insurance premium income Jusun Xian, Shenzhen新车购置价a long time to pay premiums according to the practice of insurance in Cheonan launched a new version of auto insurance terms, rates to be resolved. 6% per annum depreciation rate of depreciation, using the 1 to 3 years of private car insurance the most cost-effective. Using a 3-year Jetta, the loss on the existing vehicle insurance rates to count, 10 million新车购置价do not have to pay 1,800 yuan discount. Cheonan new car insurance rates for the loss, the insured can only required to pay 1612 yuan to make their car to be a real risk of security, whether the full insurance Che Sunxian problem resolved. Insured choice of deductibles or
It is understood that Shenzhen is the national auto insurance market-oriented reform of the pilot cities, the current auto insurance required under the terms of the insured person the amount of compensation for each incident must be borne deductible of 1,000 yuan. As well as the driver of the vehicle under the insurance policy officer in the incident take responsibility 10% -3% of the Mianpei Lv. Of this provision, many policyholders are very puzzled.
In the new version of auto insurance articles, Cheonan-deductible insurance, the introduction of a new system. According to the risk of driving experience and self-protection capabilities, the insured can choose different grades of deductibles, Mianpei Lv. Choice of deductibles or 1,000 yuan for each incident, the Ju Sunxian rate coefficients down 5-36%, depending on the different vehicles for different adjustment. Policyholder can also choose a "zero deductible", but to pay more premium on the rate coefficient of the maximum to 25%. Third-party insurance can be purchased separately
To meet the "Road Traffic Safety Law," Cheonan new auto insurance allows policyholders to purchase a separate third party liability insurance, the insured can even consult with the insurance company the insured amount the amount of up to 1000 million in amount.
Days Security
Insurance also increased the "very special accident damage liability insurance", commonly known as "drunk driving liability insurance." The insured person due to drunk driving accident, leading to a third party bodily injury or third party property, as well as the direct loss suffered casualties of car passengers, the maximum receive 250,000 yuan in compensation.
