Car insurance reform in the past year how to buy insurance is the most cost - effective

[ abstract ]since the start of January 1, 2016, the nationwide implementation of auto insurance reform has been almost a year�� Towards the end of the year, many car owners will have their car insurance expired�� After the implementation of the new deal, in the face of a variety of insurance and how to renew�� What kind of insurance should the newly insured owner buy��

Since the start of January 1, 2016, the nationwide implementation of auto insurance reform has been almost a year�� Towards the end of the year, many car owners will have their car insurance expired�� After the implementation of the new deal, in the face of a variety of insurance and how to renew�� What kind of insurance should the newly insured owner buy��

First, than the price of clever collocation to buy insurance

1, must buy insurance: compulsory insurance

This insurance must be purchased when the new car on the card, the first year of the cost of 950 yuan, if there is no accident, slightly decreasing year by year�� The insurance compensation is quite low, under the premise of the insured motor vehicle has the responsibility, the maximum compensation limit for death and disability is 110 thousand yuan, medical expenses compensation is 10 thousand yuan, property compensation is only 2000 yuan�� ( the implementation of compulsory traffic insurance system is through the national laws and regulations to force the owner or manager of the motor vehicle to buy the corresponding liability insurance, in order to improve the insurance of third party liability insurance, to the maximum extent to provide timely and basic protection for traffic accident victims )

Explanation: many car owners in order to save insurance costs, only to buy a compulsory insurance, and once the traffic accident, light loss is very big, only 2000 yuan of property compensation, I'm afraid it is not enough�� Therefore, we do not advocate the practice of buying only compulsory insurance�� Even if the driver himself carefully, if it is a motor vehicle, according to the provisions of China's road traffic law, you still have to lose money, pay compulsory insurance compensation amount is too low, is not enough��

2. basic insurance: vehicle loss insurance ( reasonable collocation )

Vehicle loss insurance: the vehicle loss insurance refers to the natural disaster ( excluding earthquake ) or accident within the scope of the insurance liability of the insured vehicle, resulting in the loss of the insured vehicle itself, and the insurer shall pay compensation according to the provisions of the insurance contract��

Note: the cost of the vehicle loss insurance is linked to the value of the vehicle, depending on the purchase price of the vehicle, the cost will be significantly different�� For some models with longer service life, the cost is slightly lower�� If you don't want to buy loss of vehicle insurance, you can also understand that some consumers who buy second-hand cars or new cars are not worth much�� As long as it is not a major traffic accident, the owner usually small accident or scraping with money to buy insurance is enough��

Accessory coverage of vehicle loss insurance: excluding non-compensable insurance + designated special maintenance insurance

Note: many new owners, especially beginners, for the first time to buy auto insurance, thought that the purchase of vehicle loss insurance will be paid in full by the insurance company�� In fact, this is not the case, if the owner does not buy non-compensable insurance, the insurance company will only pay 80 % of the loss of vehicles�� Specify special maintenance insurance meaning is very clear, you want to go to familiar with the repair shop or 4 s repair, so if you don't buy, and less than the insurance company designated repair shop repair, the insurance company will have reason to refuse to pay in full�� So, buy vehicle loss insurance users, the cost of the two insurance is not high, can buy together��

3, third party liability insurance ( reasonable purchase collocation )

Refers to the insured or its allowed drivers in the use of insurance vehicles in the process of accident, resulting in a third party suffered personal injury or property damage directly, according to the law shall be borne by the insured economic responsibility, the insurance company is responsible for compensation�� Because the compulsory insurance in the property loss and medical expenses of a third party part of the compensation is low, you can consider to buy a third party liability insurance as a supplement to the compulsory insurance�� ( compulsory insurance in the property loss and medical expenses of a third party part of the compensation is low, you can consider buying a third party liability insurance as a supplement to compulsory insurance )

Note: the compensation amount of third party liability insurance is divided into 50,000,100,000,200,000,300,000,500,000,100,000 and so on�� It is generally recommended to purchase RMB 200,000 - 500,000.00 yuan�� This insurance is based on accident liability, not how much you pay for it�� For example, when a car owner was waiting for a red light, the brakes of a bicycle failed and hit a vehicle, resulting in medical expenses of $ 100,000�� Then the traffic police responsibility is identified as the owner of only 10 % of the responsibility, and the bike needs to bear 90 %, then the insurance company three to 20 thousand yuan at most�� If the injured pester owners, then the remaining $ 80000 estimated owners also hide not open�� Another point, regardless of the non-compensable insurance also want to buy at the same time, otherwise the insurance company will not provide full compensation��

Two, several common insurance collocation

Economic security type:

Insurance type: traffic insurance, car damage insurance

Features: this is suitable for driving technology is very good owner, can ensure that he is an accident of the old driver��

Universal affordable:

Insurance type: traffic insurance, car damage insurance, non - exclusive, third party commercial insurance

Features: cost - effective, car owners are most concerned about the big risks are included in the security, the key is the premium is not high��

Luxury all-round:

Type of insurance: traffic insurance, vehicle damage insurance, non - exclusive, third party commercial insurance, vehicle personnel liability insurance, whole vehicle theft and rescue, glass insurance, scratch insurance, water-related insurance

Features: suitable for novice drivers, new cars and the need for comprehensive protection of car owners to buy��

[ abstract ]since the start of January 1, 2016, the nationwide implementation of auto insurance reform has been almost a year。 Towards the end of the year, many car owners will have their car insurance expired。 After the implementation of the new deal, in the face of a variety of insurance and how to renew？ What kind of insurance should the newly insured owner buy？

Since the start of January 1, 2016, the nationwide implementation of auto insurance reform has been almost a year。 Towards the end of the year, many car owners will have their car insurance expired。 After the implementation of the new deal, in the face of a variety of insurance and how to renew？ What kind of insurance should the newly insured owner buy？

First, than the price of clever collocation to buy insurance

1, must buy insurance: compulsory insurance

This insurance must be purchased when the new car on the card, the first year of the cost of 950 yuan, if there is no accident, slightly decreasing year by year。 The insurance compensation is quite low, under the premise of the insured motor vehicle has the responsibility, the maximum compensation limit for death and disability is 110 thousand yuan, medical expenses compensation is 10 thousand yuan, property compensation is only 2000 yuan。 ( the implementation of compulsory traffic insurance system is through the national laws and regulations to force the owner or manager of the motor vehicle to buy the corresponding liability insurance, in order to improve the insurance of third party liability insurance, to the maximum extent to provide timely and basic protection for traffic accident victims )

Explanation: many car owners in order to save insurance costs, only to buy a compulsory insurance, and once the traffic accident, light loss is very big, only 2000 yuan of property compensation, I'm afraid it is not enough。 Therefore, we do not advocate the practice of buying only compulsory insurance。 Even if the driver himself carefully, if it is a motor vehicle, according to the provisions of China's road traffic law, you still have to lose money, pay compulsory insurance compensation amount is too low, is not enough。

2. basic insurance: vehicle loss insurance ( reasonable collocation )

Vehicle loss insurance: the vehicle loss insurance refers to the natural disaster ( excluding earthquake ) or accident within the scope of the insurance liability of the insured vehicle, resulting in the loss of the insured vehicle itself, and the insurer shall pay compensation according to the provisions of the insurance contract。

Note: the cost of the vehicle loss insurance is linked to the value of the vehicle, depending on the purchase price of the vehicle, the cost will be significantly different。 For some models with longer service life, the cost is slightly lower。 If you don't want to buy loss of vehicle insurance, you can also understand that some consumers who buy second-hand cars or new cars are not worth much。 As long as it is not a major traffic accident, the owner usually small accident or scraping with money to buy insurance is enough。

Accessory coverage of vehicle loss insurance: excluding non-compensable insurance + designated special maintenance insurance

Note: many new owners, especially beginners, for the first time to buy auto insurance, thought that the purchase of vehicle loss insurance will be paid in full by the insurance company。 In fact, this is not the case, if the owner does not buy non-compensable insurance, the insurance company will only pay 80 % of the loss of vehicles。 Specify special maintenance insurance meaning is very clear, you want to go to familiar with the repair shop or 4 s repair, so if you don't buy, and less than the insurance company designated repair shop repair, the insurance company will have reason to refuse to pay in full。 So, buy vehicle loss insurance users, the cost of the two insurance is not high, can buy together。

3, third party liability insurance ( reasonable purchase collocation )

Refers to the insured or its allowed drivers in the use of insurance vehicles in the process of accident, resulting in a third party suffered personal injury or property damage directly, according to the law shall be borne by the insured economic responsibility, the insurance company is responsible for compensation。 Because the compulsory insurance in the property loss and medical expenses of a third party part of the compensation is low, you can consider to buy a third party liability insurance as a supplement to the compulsory insurance。 ( compulsory insurance in the property loss and medical expenses of a third party part of the compensation is low, you can consider buying a third party liability insurance as a supplement to compulsory insurance )

Note: the compensation amount of third party liability insurance is divided into 50,000,100,000,200,000,300,000,500,000,100,000 and so on。 It is generally recommended to purchase RMB 200,000 - 500,000.00 yuan。 This insurance is based on accident liability, not how much you pay for it。 For example, when a car owner was waiting for a red light, the brakes of a bicycle failed and hit a vehicle, resulting in medical expenses of $ 100,000。 Then the traffic police responsibility is identified as the owner of only 10 % of the responsibility, and the bike needs to bear 90 %, then the insurance company three to 20 thousand yuan at most。 If the injured pester owners, then the remaining $ 80000 estimated owners also hide not open。 Another point, regardless of the non-compensable insurance also want to buy at the same time, otherwise the insurance company will not provide full compensation。

Two, several common insurance collocation

Economic security type:

Insurance type: traffic insurance, car damage insurance

Features: this is suitable for driving technology is very good owner, can ensure that he is an accident of the old driver。

Universal affordable:

Insurance type: traffic insurance, car damage insurance, non - exclusive, third party commercial insurance

Features: cost - effective, car owners are most concerned about the big risks are included in the security, the key is the premium is not high。

Luxury all-round:

Type of insurance: traffic insurance, vehicle damage insurance, non - exclusive, third party commercial insurance, vehicle personnel liability insurance, whole vehicle theft and rescue, glass insurance, scratch insurance, water-related insurance

Features: suitable for novice drivers, new cars and the need for comprehensive protection of car owners to buy。

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