Auto insurance rebate is a rebate offered to consumers after they purchase their auto insurance products in order to gain more consumer resources. The rebate is to return part of the money to the consumer. But the invoice is still the original price.
That is to say, the shopping guide will minimize the profit of the merchant, the consumer through the shopping guide to go to the third-party merchant consumption, the third-party merchant to the shopping guide a certain amount of profit commission, and the shopping guide is then part of this commission part of the return to the consumer.
The discount on commercial insurance, 30 points back is equivalent to 70% off, car tax and compulsory insurance is the same for each company, but the commercial insurance rebate will make a difference, the higher the rebate the greater the discount, the cheaper the insurance. Rebates and discounts are not the same, the discount is based on the number of times the consumer's previous year's insurance to calculate, a year without insurance is 60% off, 2 years without insurance is 50% off, out of an insurance is 7.2% off, this is the system automatically recognizes, and the rebate of commercial insurance is based on the time of a policy or activity to give the consumer discounts again.
Expanded:
Advantages:This The beauty of the model is that any merchant or customer who participates in the return of this model can get really. Then everyone gets the benefit, there will always be people who are not affordable, right? Those who are not affordable are those who participate in the return of this model of business competitors, customers will gradually flow from the consumers who do them to do the return model of business here.
Disadvantage: As of the end of June 2008, the number of Chinese car owners reached 153 million, the size of car owners jumped to the forefront of the world. But the penetration rate is very low, still lower than the global average. So the prospects of the rebate industry depends on the number of people, but also depends on the rise and fall of the industry and will fluctuate. This is the disadvantage of car insurance rebates.
Purchasing Principles
I. Prioritize the purchase of adequate third party liability insurance.
All auto insurance coverage third party is the most important. After all, the car destroyed can not drive, but the compensation of others can not be exempted, the purchase of auto insurance should be to maintain the ability to compensate for the loss of others in the first place.
Second, the amount of third-party insurance should refer to the compensation standards of the location.
Compensation standards in various parts of the country are not the same, according to the highest standard of automobile insurance compensation, if the death of a person, the maximum compensation in Shenzhen can reach 1.5 million yuan, the highest Beijing may also want to 800,000 yuan. For example: if the 2008 traffic accident to pay full responsibility for the death of one person, the deceased 30-year-old, Beijing urban household, compensation is calculated as follows, it is estimated that the need for 600,000 yuan.
Three, buy enough car people insurance, and then buy car damage insurance.
Four, buy car damage insurance and then buy other types of insurance.
Traffic accidents are often accompanied by damage to the car, there is no need to say more here.
Fifth, the purchase of three-person insurance, driver-passenger seat liability insurance, car damage insurance deductible.
Spend a little more money, so that the insurance company to compensate for the time of the non-deductible.
Sixth, other types of insurance (theft insurance, glass, spontaneous combustion, scratch insurance) combined with their own needs to buy.
For example, theft insurance, glass, spontaneous combustion, scratch insurance and other other types of insurance, in the car risk, as opposed to the above 1-5 risk, will not lead to a serious impact on the family's well-being and finances.
Insurance Features
Motor vehicle insurance coverage is generally in the form of repairs, but if the vehicle replacement price is cheaper than the cost of repairs is, the insurance company is likely to claim that the car is a total loss. Generally speaking, the insurance amount of motor vehicle insurance is the purchase price of a new car or the value of the vehicle at the time of insurance, but the use of the vehicle has depreciation, in addition, the insurance company will set an absolute deductible, so the total loss of the insurance, the payout will certainly be less than the insurance amount. The insurance period for this kind of insurance is usually one year or less, and if there are no claims during the insurance period, you can enjoy no-claims preferential rates when you renew your policy.
(1) The subject matter of the insurance has a high insurance rate.
Motor vehicles belong to transportation, the norm that is non-stop movement, so it is easy to collision caused by personal property damage. And because of the early administrative licensing procedures are not perfect, many drivers do not have the basic operating techniques. Transportation facilities and management is also gradually improved, motor vehicles have a high rate of insurance.
(2) More business, high insurance rate.?
It is because of the high rate of motor vehicle insurance, so motor vehicle holders and traffic management departments are through the insurance risk transfer, so the motor vehicle insurance business increased, the insurance rate is high.
(3) The insurance is complex and specialized, and consumers are prone to misunderstanding.
Motor vehicle insurance is divided into basic insurance and additional insurance, of which additional insurance can not be insured independently. The basic insurance includes third-party liability insurance (three liability insurance), vehicle damage insurance (damage insurance); additional insurance including total car theft insurance (theft insurance), liability insurance, no-fault liability insurance, liability insurance for falling cargos, glass breakage insurance, vehicle stopping loss insurance, spontaneous combustion loss insurance, new equipment loss insurance, non-discriminatory special insurance. Many of these types of insurance can not be understood through the simple literal meaning, and some insurance company staff in the introduction of insurance there is a misleading situation, resulting in consumers can not better understand the terms of each type of insurance, resulting in misunderstanding and disputes.
(4) Uncertainty.
Because of the motor vehicle on land, mobility, travel is not fixed, for the insurer, undoubtedly increases the uncertainty and unpredictability of the hazardous accident and insurance loss.
(5) Expansion of insurable interest.
For example, as long as the insured is allowed by the qualified driver to use the insured motor vehicle, if the insurance contract agreed in the insurance accident, and cause third-party property damage or personal injury, the insurer is liable for compensation. The insurer assumes this responsibility under the condition that the driver is a qualified driver and drives the insured motor vehicle with the consent of the insured, but does not require that the driver has the right of ownership, possession or management of the motor vehicle. This is actually an expansion of the insurable interest in the insurance contract, but also the insurance liability.
(6) No claims preference.
No-claims preference is a system unique to motor vehicle insurance, the core of which is to solve the problem of uneven distribution of risk, so that the insurance premium is directly linked to the actual loss.
In order to encourage the insured and their drivers to strictly follow the traffic rules and drive safely, the system of "no-claims bonus" is adopted in the motor vehicle insurance business in all countries.
(7) To protect the public interest.
Third party liability insurance for motor vehicles, as a kind of liability insurance business inseparable from the motor vehicle, in the vast majority of countries are mandatory principles of implementation, and thus is a legal insurance business, the reason why the countries on this kind of special treatment of the business, the starting point is to safeguard the public interest, that is, to ensure that the injured party in a road traffic accident can get effective financial compensation. Therefore, automobile insurance is the best way to protect the personal rights and interests of drivers.
Reference:
Baidu Encyclopedia-Motor Vehicle Insurance