After the car insurance fee change, scratch insurance is cost - effective?
often Walk on the road, cut rub is inevitable, the car in the process of use, hard to avoid small scraping small rub, even stop at the side of the road, the car was Xiong Haizi row flower is common。 In order to reduce the loss caused by body scratches, many owners insured scratch insurance, after insurance can be reimbursed。 But, After the vehicle insurance fee is changed in 2016, Scratch risk isn't cost - effective, you know?
Scratch insurance is the additional risk of car damage insurance, under the premise of insured car damage insurance can be insured, not separately insured。 This insurance is called the body scratch loss insurance, in the insurance period of insurance vehicles without obvious collision traces of the body surface paint scratch alone, the insurance company is responsible for compensation according to the actual loss。 In the case of compensation, a 15 per cent absolute exemption is applied。 in addition , only home-use vehicles and non-operating car insurance can be insured。
Because car scratch is a high probability event, scratch insurance claims rate as high as 200 % to 300 %, so some insurance companies will limit the purchase of scratch insurance, there are strict requirements for insured cars。 Only new vehicles within 3 years can be insured, more than 3 years or the appearance of the vehicle within 3 years have suffered significant losses cannot be insured。
What is the difference between scratch risk and car damage risk?
Many people don't know what's the difference between scratch insurance and car damage insurance, thought scratch insurance and car damage insurance liability overlap, in fact is not。 Scratch insurance is the additional risk of vehicle loss insurance, that is, under the condition of the insured vehicle loss insurance can be insured, can not be insured separately, the insurance liability for others malicious behavior caused by the insured vehicle body man-made scratches。 If the body has obvious collision traces of scratches, belong to the scope of the car damage insurance。 Can distinguish from scratch or car damage from the following aspects:
1. is there any obvious collision trace。 Scratch insurance only protect no obvious traces of collision body surface paint scratch alone, on the contrary, the car damage insurance can be reimbursed。
2, scratch insurance mainly on the surface of the body, the door scratch claims, if the body appear concave and convex or other signs of rupture, does not belong to the scope of the car scratch insurance。
3, the vehicle in the parking period by other vehicles touch wipe, if there is a scratch by touch wipe, can according to the car damage insurance claims。
Will scratch risk increase the premium?
After the commercial auto insurance rate reform, the next year's premium and the number of risks, the more the number of risks, the higher the premium。 Conversely, the cheaper。 The premium will rise by 25 % on two occasions last year。 If you don't risk for two consecutive years, the discount is 70 %。
So, scratch risk is the number of times? It is understood that scratch insurance coverage has four grades: 2000 yuan, 5000 yuan, 10000 yuan and 20000 yuan, during the insurance period can be paid。 That is to say, if the insured amount is 5000 yuan, as long as within 5000 yuan, many scratches insurance claims, the insurance company will not give compensation。 But the cumulative amount of compensation shall not exceed 5000 yuan, more than 5000 yuan insurance contract will automatically terminate。 Scratch risk is not limited to the number of times in the annual policy, depending on the amount of coverage。
However, the number of scratch risks will affect the second year Commercial risk Premium, the number of times included in the total number of times of the year。 So, many car owners first put all kinds of scratches accumulated together to report, claims once, this may also be unworkable。 Such as vehicles in front of the left and right in front of each have a cut Ceng, obviously can't be caused by an accident, the insurance company is not claims, a report can only deal with an accident。 But if the scratch position is just the direction of the accident position, so basically can be handled at the same time, and part of the repair shop / 4 s shop in order to attract customers, may also be to repair customers give one or two scratch paint, so you can also do a claim, deal with multiple scratches。
Is scratch insurance necessary?
If it is a small scraping small Ceng, had better not risk, solve more cost - effective。 Scratch risk once, the next year's premium rose by 25 %, according to the commercial risk 3,000 yuan, a hidden cost is 750 yuan, and a paint generally between 200 - 400 yuan, compensate money is not enough to increase the premium in the second year。 Some people say that some luxury car paint is expensive, may be 1000 yuan a paint or even more expensive, so this kind of luxury car commercial insurance premium must be more than 3000 yuan, a paint need 1000 yuan luxury car, car damage insurance may have to ten thousand yuan up, a hidden cost of insurance is more than 2500 yuan, also absolutely much more expensive than a paint。 And if it is more than one paint damage, dent or serious scratch, car damage insurance can be settled。 To sum up, after the 2016 auto insurance fee reform, scratch insurance basic can not be considered, unless the reform again, scratch insurance claims do not affect the second year of the overall insurance premium, independent calculation, is worth buying。
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