Courier Ceng injury car phone to reveal how to buy cost-effective car insurance ( figure ) financial channel

　　 Year 3: some risks must be covered

　　 " Shenzhen's change frequency is a round of three years"。 Two years ago did not have a risk of car owners think, buy full insurance is too waste, then save some insurance。 But the car damage insurance, three risks, regardless of the best to buy free and compensate insurance, self-combustion insurance also arrived at the time of the consideration。

　　 " some insurance can save, some province may not。 " ms Yao suggested: regardless of the non-compensable insurance must buy。 This type of insurance is a combination of car damage and commercial risk。 Not on this risk, the accident, the insurance company will have a certain exemption。 General unilateral accident or bear full responsibility in the accident, oneself also want to bear 20 %. Whether novice or veteran, in the purchase of car damage and three risks at the same time, it is best to buy。

　　 " car damage insurance and commercial risk is must buy, theft and rescue is according to the owner's own situation to buy, if there is no fixed parking space of their own, it is recommended to buy insurance。 " ms Yao suggested。

　　 Car driving to the third year, has not yet bought a self-combustion insurance also want to beware of " circuit aging caused by spontaneous combustion", spend hundreds of yuan to buy " self - combustion insurance" is also very necessary。

　　 High - grade car glass insurance cannot be saved

　　 For high-end cars, luxury car owners, it is recommended that the first four or five years to buy separate glass breakage risk。 If you don't take this risk, glass broken alone can't get compensation, and 4 s shop for this kind of car glass accessories price is very high, the owner will encounter this kind of situation。 Scratch insurance, the owner also visible parking lot to buy, to a car, for example, a scratch paint fee may be 1000 yuan, but the premium as long as 100 yuan, quite cost - effective。 So it is recommended that car owners with no parking management choose to buy such a policy。


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