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Data:2009-12-12 2:34
National Day holiday with family and friends drove all the way free play, it should be a lot of people the ideal holiday.
However, the risks of the road Zijia You had to by themselves, on the eve of the trip, the best possible risks is expected to give themselves and their vehicles safe to buy appropriate insurance.
While driving on weekdays there will be risks, but a number of the insurance industry suggest that in the absence of professional organized by travel agencies, personal safety, luggage articles and many aspects of road traffic uncertainty, the risk of traveling in the process of the relative concentration of , it is necessary before the Zijia You look at the existing personal and vehicle insurance policies to see whether the increase in the amount or types of insurance necessary.
Driving trips, the most important risk for persons and vehicles in two areas. AIA Guangzhou Branch Insurance Consultants Sun Qiaoling introduction, for the protection of personal safety, usually need a few hundred thousand dollars accidental injury insurance. Most accident insurance as an additional risk for the primary insurance bundling the purchase of any major diseases, insurance policy if the insured can see if additional accident insurance. As a pure accident insurance premiums are relatively low in itself, is the main risk is often expensive, there are several companies as the main risk accident insurance sold separately.
Project vehicle insurance is relatively more complicated. First of all, the state insurance auto insurance mandatory requirements for third party liability insurance, a minimum amount 50 thousand yuan. In addition, Ju Sunxian, Daoqiang Xian, glass insurance, additional equipment, insurance, and so spontaneous combustion risk of loss can be targeted to specific road condition, and insurance.
According to Ping An Property Insurance Underwriting Department of the Guangdong branch Feng Jie, director of experience in traveling, in order to prevent vehicles collisions, scratches, can be purchased Chesun Xian. If you leave the big cities far away, it is best to buy Daoqiang Xian. The need for high-end imported cars insurance glass insurance, but the relatively low price of the car, it is recommended do not have insurance, because the claim in the process of expenses may be paid the amount of glass is almost the same.
In addition, the off-road vehicle owners, particularly the new equipment will need to consider the insured risk. Because off-road vehicles up to install equipment, they all belong to the non-original vehicle equipment, if the installation of sound, xenon lights on the road was damaged, the insurance company claims not only through the purchase of new equipment, insurance loss prevention.
Chen Jie-feng also suggests, due to traveling by car during the period of time to concentrate for more than 5 years of age car, the risk of spontaneous combustion occurred relatively large, you can consider buying a spontaneous loss insurance. Different terms of property insurance is different from auto insurance companies, most of the spontaneous combustion risk of loss, as Che Sunxian an additional insurance, some companies as a Che Sunxian liability insurance.
Foreign tourism in the past, the policy owners need to check the geographical scope of the claims, if it is to protect the province, need to notify the insurance company, a slight increase in premiums will be traveling the region throughout the country.
Diverse types of auto insurance, an increase of insurance difficulties, combined with often only one-year period, short-term premium is not worth the trip will feel. Therefore, some companies are simply developed to protect Zijia You people, vehicles and the safety of short-term comprehensive insurance. PICC Property & Casualty branch in Guangdong Zijia You introduced in April this year, the insurance is to travel among the personal accident, acute illness, baggage damage, vehicle rescue, and third party liability is included to create insurance portfolios according to copies of sales, a top policy protection of 200 thousand yuan of accidental injury to protect, 50 million yuan and 3,000 third-party liability protection to protect the property of the cost, eliminating the need for car owners to purchase a variety of insurance red tape.
Short-term insurance, Comprehensive Zijia You have insurance policies with customers will be between the number of duplication areas, such as accident insurance, third party liability insurance. This case, whether to buy necessary? Ping An Insurance of Chen Jie Feng believes that China is characterized by Zijia You drivers are almost always the breadwinner in case of accidents, the most dangerous are these people at the same time, accidental injury, third party liability insurance, there is no double problems, therefore, he suggested that the relative concentration of risk before the long-distance travel, there are still necessary to choose the short-term insurance to protect reinforcement.
