How to buy a car for self-insurance is the right thing to do
A lot of people misunderstand, thought bought the car damage insurance, auto spontaneous combustion, can get insurance company claims。 Some people buy auto insurance, insurance salesman said can do full insurance for the car, can also provide relevant benefits, and when the car spontaneous combustion, find insurance company claims, but claims。
" There is no so-called full insurance, the main insurance and additional insurance together, a total of dozens of varieties of auto insurance, buy all the auto insurance is not necessary。" Said Mr Lin, an insurance company。 In fact, the salesman is selling to the owner of the so-called" all risks" , there is no self-combustion insurance。
What is the premium for self-insurance and the market price of the car and the age of the car。 It is understood that the current Fuzhou insurance market of self-insurance premiums in dozens of yuan to 200 yuan。
In addition, how much premium is related to the safety of the car, the better the safety, the less premium。 According to the introduction, the current Fuzhou insurance market is, for not out of danger, not drunk driving, self-combustion insurance can be a minimum of 6 %, if it is out of danger, different degrees have different fold, generally in 7. 5 fold to 9 fold。" But if more than five times a year, the insurance company will not generally be covered。" Mr Lin said。
The exemption from liability is not to compensate for everything
However, the risk of spontaneous combustion loss also has the exception of liability, if due to artificial oil supply, high temperature baking and other violations of vehicle safety operation rules caused by the loss is not within the scope of protection。
Self modified car or car older old car spontaneous combustion probability is higher, therefore, the insurance company made strict regulations on this aspect, if it is caused by disorderly change line spontaneous combustion, the insurance company will not compensate。
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