Category: Insurance tips Release Date: 2006-08-01
Insurance for large trucks generally can not be maintained is not insurance. Claims personnel will be talking about big trucks frown, because "Chuxian rate is too high," to the insurance company caused "enormous damage"
Different vehicles, the insurance companies may be subject to different treatment.
Reporter visited the capital of several business auto insurance business insurance companies found that most of the insurance company's "underwriting restrictions" models are very similar. Overall, the insurers reluctant to cover models mainly in the following categories: one category is "scarcity model", including the domestic ownership in few high-grade imported cars, the factory more than 10 years or even 15 years old import models have been discontinued, and the current number of Chinese-made old models; second category is the high incidence of operation Chuxian trucks; third category is easy to stolen cars, mainly Santana series and wide in this series ; The fourth category is currently out of some of the prices of the new parts are cheaper but the expensive domestic cars.
Ferrari and other hard to find parts
Representatives of Ferrari, Rolls Royce, the old section crown, the old models Skoda, Fiat 126P, Lada, Moscow, etc. old and imported cars, as well as domestic discontinued the old Shanghai, China-made Peugeot 505 and other old cars, there is the individual "RHD" and other weird models.
"Discriminated against" reason: insurance company "does not wait see" The main reason is that these models because it is difficult to find spare parts, maintenance difficulties.
Operate the high-risk truck accident
The insurance company claims personnel will be talking about big trucks frown, because "Chuxian rate is too high," to the insurance company resulting in "a huge loss."
"Discriminated against" reason: create operation of large trucks reason for the high rate of no more than Chuxian overloaded cargo, day and night driving, aggressive driving and so on. According to the results of a survey conducted by a provincial department of communications, desperately overloaded cargo trucks are mainly driven by the interest, a large goods vehicle purchased and if it does not overload the transport, take two years to return to the present; overloading need only 6 months. Some large truck containing 10 tons of obvious constraints, it will be fitted with 40 tons of cargo, so that is very prone to tire burst, broken beams and even the brakes not working. At the same time, many trucks operating day and night, people constantly break car, condition is poor, the driver is a lot of foreign drivers, operating barbaric, fatigue driving, is very prone to traffic accidents.
Santana, Kwong This easily stolen
Santana series and wide in this series cars in Beijing, a very good sales surrounding region, prone to become thieves target.
"Discriminated against" reason: an underwriting officer, said half-jokingly, whether the vehicle is stolen, not by a vehicle anti-theft performance of the decision, but mainly depends on the thieves of "emphasis."
For example, Guangzhou Honda, the market is favored in the South, while the loss was again found Santana is basically concentrated in the north. According to reports, the current Santana series of stolen cars are gradually shifting from Poussin to the Santana 2000, a trend towards change, but Sang 2000 he replaced the "era of Superman" is more. The stolen Guangben Zeyi models before 2002 for multi. In addition, two new cars within a year most likely to be thieves eye on.
The prices of cheap, expensive car accessories
"Discriminated against" because: Some new vehicles in order to seize the market to take low-cost marketing strategies to enter the market. The results of the fire truck sold, but the corresponding parts production and sales channels can not keep up, there the user can not afford to repair difficult and repair vehicles phenomenon. After costing insurance companies found that the cost of repair a car is much higher than the year should the premium is earned shouted lose money buying and selling children.
At present this type of car insurance companies only to observe and did not take concrete measures to limit coverage. Hoped that, with time to market for these models the increase in spare parts supply chain has become smooth, maintenance, prices can fall.
(Zhang Yanli)
