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According to the analysis of nearly ten thousand car owners, there are four kinds of car insurance scheme is the most common, owners might as well do the same:
1 comprehensive type
Compulsory traffic insurance + commercial three liability insurance ( 1 million yuan ) + car damage insurance + car personnel liability insurance + night rescue + glass broken risk alone + excluding special free compensation + body scratch loss insurance。
About 20 % of owners choose this type of combination。 Suitable for novice new car owners and owners in need of comprehensive protection。
2 conventional type
Compulsory traffic insurance + commercial three liability insurance ( 500 thousand yuan ) + car damage insurance + car personnel liability insurance + illegal rescue + excluding special compensation。
About 60 per cent of vehicle owners chose such a combination。 Suitable for vehicles parked in parking places with long-term fixed personnel guards, and also suitable for owners who have certain driving age and are willing to bear part of the risk。
3. economy
Compulsory insurance + commercial three liability insurance ( 500 thousand yuan ) + car damage insurance + non - compensable。
About 15 % of owners choose this type of combination。 It is suitable for vehicle owners who use the vehicle for a long time and who are skilled in driving and willing to bear most of the risks on their own。
4 risk type
Only pay insurance。 Compulsory insurance only pay the third party in the accident ( injured party ), the highest compensation of 110 thousand yuan of casualties, hospitalization 10 thousand yuan, property losses of 2000 yuan, but the accident caused by death compensation should be in more than 600 thousand, hospitalization medical expenses is far from enough, 2000 yuan of vehicle loss cost is far from the same。
And, their own car damage or stolen to bear。 Therefore, the risk of this collocation is great。
About 5 % of owners choose this type of combination。
This option is generally not recommended。
Free choice of self-combustion risk
This insurance refers to the insured vehicle in the use process, due to electrical appliances, lines, oil supply system failure caused by combustion insurance vehicle losses, according to the law by the insurance company is responsible for the payment。
For this kind of insurance experts recommend that if the car service life is too long, aging parts, you can buy " self - combustion insurance"。 In addition, often long-distance operation of the vehicle should also buy " self - insurance"。
Special remind you car owners, early renewal benefits, don't in auto insurance " vacuum" on the road！
Renewal in advance, do not let auto insurance have " empty window"！
Absent - minded tips:
After the vehicle exceeds the insurance period for a certain period of time, the owner of the vehicle may face the rate of renewal of the insurance, and the vehicle shall be re-examined after the renewal of the insurance, which increases the insurance procedures。
Clearly buy auto insurance, avoid by all means
Absent - minded tips:
Some of the daily details, due to the owner's " forgetfulness", has become the number one " killer" of auto insurance claims: such as driving without a license or driver's license has expired, insured designated drivers and accidents for non-designated drivers will occur without compensation。
At the same time, also remind you, after the accident, be sure to keep the scene, this is an important part of the survey damage。
Vehicle insurance retention skills
Number one: don't just look at the price！ Good service saves you a hundred times
Evaluation of an insurance company's service strength, can be seen from several points: auto insurance completion rate, closing cycle, fixed loss skills, insurance claims service quality indicators, claims fixed loss institutions whether to cover the second and third line or even small towns, once out of danger, can guarantee to arrive at the scene in a short period of time, to assist in handling the accident。
Second: matching additional risks according to the needs of the model
At present, the insurance of motor vehicle insurance mainly consists of 4 basic risks and 6 additional risks。 Among them, the motor vehicle loss insurance in the basic insurance is the basis of additional insurance, only to buy the car damage insurance can buy other additional insurance。
Generally speaking, it is the most practical to choose the combination of four types of insurance, including vehicle loss insurance, third party liability insurance, whole vehicle theft and rescue, and non-compensable special insurance。 And match insurance needs to be based on personal circumstances, for example, glass broken alone insurance is more suitable for high-end cars, luxury cars, ordinary private cars are not much necessary。
Third: learn to customize your car insurance according to the actual situation！
Option 1: new car + new driver + economic car
Your driving skills are unfamiliar, the value of the vehicle itself low, can choose a higher third party liability insurance, and the car personnel liability insurance and other more comprehensive protection。
Option 2: old car + new driver + economic car
Your driving skills are unfamiliar, the cost of vehicle wear is medium, based on the use of the old car, recommended self-combustion risk and glass breakage alone insurance, also can add according to the appropriate emergency rescue and body scratch risk。
Option 3: new car + new driver + medium and high grade car
Your driving skills are unfamiliar, you need to choose a higher third party liability insurance。 Due to the high maintenance cost of vehicle spray paint can also be equipped with body scratch loss risk, theft and rescue, glass breakage risk alone, etc。
Option 4: old car + new driver + medium and high grade car
Your driving skills are unfamiliar, the cost of vehicle wear is higher, although for the old car, but still need to choose the motor vehicle loss insurance, third party liability insurance, natural insurance, theft and rescue, car personnel liability insurance, glass alone broken insurance and other more comprehensive protection。
Option 5: new car + old driver + economic car
Your driving skills, the value of the vehicle itself low, recommended a lower amount of third party liability insurance and a lower amount of car personnel liability insurance, can also be added according to the appropriate emergency rescue and body scratch insurance。
Option 6: new car + old driver + medium and high grade car
Your driving skills but high maintenance of vehicle painting, recommended a lower amount of third party liability insurance and body scratch loss insurance, new car can also be combined with theft and glass separate breakage risk。
Option 7: old car + old driver + economy car
Your driving skills, recommended a lower amount of third party liability insurance, because the insured vehicle is an economical old car, self-combustion insurance needs to be taken into account, but also with glass separate breakage insurance and special terms without odds。
( source: che Wu tong )
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