Common types of auto insurance in China
1. Vehicle loss insurance
Vehicle loss insurance means that the insured vehicle suffers from natural disasters (excluding earthquakes) or accidents within the scope of insurance liability, resulting in the loss of the insured vehicle itself, and the insurer makes compensation according to the provisions of the insurance contract.
2. Third party liability insurance
Refers to the direct property loss and casualties of a third party caused by an accident when a qualified driver uses an insured vehicle.
3. Theft and rescue
The loss of the vehicle caused by the theft, robbery and robbery of the whole vehicle, as well as the reasonable expenses incurred due to damage during the theft, robbery and robbery, or the loss of parts and accessories that need to be repaired on the vehicle, all belong to the insurance liability for the theft, robbery and robbery of the whole vehicle. It can be seen that the insurance liability for vehicle theft and rescue includes two parts: one is the loss of the insured vehicle caused by theft, robbery and robbery; The second is the reasonable expenses incurred by the theft, robbery and robbery of insurance vehicles. The insurance company is responsible for the compensation for the above two expenses within the insured amount.
4. Car seat liability insurance
Vehicle personnel liability insurance is responsible for compensating the driver or passenger casualties caused by the accident of the insured vehicle, as well as the necessary and reasonable rescue and protection expenses paid to reduce the losses.
5. Separate glass breakage risk
It means that the glass of this car was broken alone during use. Pay attention to the word "alone". If it is caused by other accidents, it can also be compensated in car damage insurance.
6. Spontaneous combustion insurance
Reasonable expenses paid for the rescue of the vehicle due to the failure of its electrical appliances, wiring and oil supply system and the spontaneous combustion and fire of the goods carried.
7. Risk of scratches
In the process of use, the cost of repair after being scratched by others (no obvious collision marks).
8. No deductible
The insurance company shall be responsible for the compensation for the accident of vehicle loss insurance or third party liability insurance, and the deductible (20%) shall be borne by the insured.
9. No deductible
In the event of an insurance accident involving vehicle loss insurance or third party liability insurance, the insurance company shall be responsible for compensating the deductible borne by the insured (500 yuan).
10. Compulsory traffic insurance
Compulsory traffic insurance is a compulsory liability insurance for insurance companies to compensate the victims (excluding the people on board and the insured) for personal injury and property losses caused by road traffic accidents of insured motor vehicles within the limits of liability.
For beginners, the best insurance mode is recommended: compulsory insurance+200,000 third party liability insurance+vehicle loss insurance+excluding odds+excluding deductibles. If necessary, you can take out appropriate insurance-car seat liability insurance.
Compared with novices, experienced drivers have more driving experience and a higher probability of avoiding risks. Therefore, the recommendation of veterans pays more attention to the economy and supportability of insurance, rather than the completeness of insurance protection.
The recommended model is: compulsory insurance+65,438 third-party liability insurance+10,000+vehicle loss insurance+excluding odds, and deductible can be added if necessary, but not all insurance companies have deductible clauses. Veterans can choose some insurance companies that are not too big. Insurance is not only more economical, but also has no deductible. For beginners, it is more cost-effective to insure large insurance companies. After all, I don't understand the insurance process, and the management of big insurance companies is strict. At the same time, compensation is also in place in time.
Newcomers to new cars will inevitably bump into each other, and the frequency of accidents is relatively high. Therefore, insurance experts suggest that if you buy a new car by stages, you must buy all risks as required; If you buy a new car in full and are a novice, you should also consider buying all insurance contents except spontaneous combustion loss insurance.
Among all risks, it is best to insure the third party liability insurance with higher compensation limit, so that it is easy to deal with whether you hit someone or someone else hits you. Besides, the new car you bought will not only attract the attention of passers-by, but also attract the attention of thieves. Therefore, it is recommended to insure against theft. Of course, if the security measures at the parking place are good and you think it is safe and reliable, you can also consider not taking insurance.
To say the least, even if nothing happens, the premium you spend will not be unfair, because the lower the accident rate you record in the insurance company, the more premium concessions you will get next year.
Of course, if you insure your car against all risks, it doesn't mean that all insurance companies will pay for it. According to the terms of the insurance company, both vehicle loss insurance and third party liability insurance have corresponding accident liability deductible coefficients. At the same time, all insurance companies have indicated in the insurance clauses the deductible that should be borne according to the driver's responsibility when the accident occurs. These regulations are designed to encourage drivers to drive safely and reduce the chances of accidents.
Employees such as banks and institutions can enjoy big discounts.
It is understood that insurance companies have adjusted their premiums this year. In addition, the "discount restriction order" implemented this month also makes the discounts that policyholders can get worse than before. At the same time, the Regulations on Compulsory Liability Insurance for Motor Vehicle Traffic Accidents, which has attracted much attention, will be implemented on July 1 day. This is the first type of insurance enforced by legislation in China, and many car owners are worried that the cost of auto insurance will increase again in the future. However, the reporter also learned that insurance companies think that the risk rate of some workers engaged in doctors, journalists, bank employees and other occupations will be lower than that of ordinary car buyers, so they will also give special discounts.
The person in charge of an insurance company told the reporter that if you are a staff member of health, culture, education and state organs, or you are a civil servant, then you and your family will enjoy a lower discount when buying auto insurance for the first time, generally reaching 5-7 fold.
For vehicles that have already purchased insurance, you can generally get a discount of less than 10% when purchasing insurance next year. If there are no accidental claims for two consecutive years, PICC will even give the insured a 50% discount. However, because the drivers corresponding to new cars are mostly novices, the accident rate is relatively high, and some insurance companies are unwilling to give preferential treatment to car buyers, or they can only get very limited preferential treatment.
How to choose a higher cost performance?
How to choose an insurance company in the process of buying auto insurance and what problems should be paid attention to in the process of buying auto insurance after determining the types of insurance that should be selected and the discounts that can be obtained? Experts pointed out that if your car is a new car and the price is relatively high, you can choose auto insurance from a big company. Because the more expensive the car, the higher the repair cost. In the event of an accident, the greater the possible economic pressure, and the compensation amount of large companies will be relatively higher, and the level of designated repair shops will be higher.
However, from the perspective of the premiums paid, generally speaking, for the same models and types of insurance, the premiums of large companies are higher than those of small companies. If your car is an old car, or the car price is not high, the repair cost will not be high, and your car skills are relatively mature, so it is more cost-effective to choose a small company.
In addition, experts remind policyholders that if your car often travels long distances, you should try to choose a larger insurance company such as PICC and Ping An for insurance, because such insurance companies will have branches all over the country, and they can handle fixed loss claims locally, while smaller companies may need you to transport your car back to Beijing or areas with branches to make claims. In addition, experts suggest that car owners should not only pay attention to the price, but also combine the actual situation of their cars, such as whether they often run long distances and whether they designate special drivers. And make a comprehensive service decision when out of danger.
List of new car premiums of some insurance companies
Unit: Yuan
PICC Pacific land company
Three risks (RMB 654.38+1 billion) 36500.0000000001
Automobile damage insurance 65438+
Robbery and emergency rescue. 36860 . 68686868686
Glass insurance114.555438+019.7438+019.39.
Personnel on board 242222242
Total: 3528.53362.3889.25
Note: This data takes the common Jetta model of CiX-P partner as an example, and the total price is 79,800 yuan. The information comes from the public quotation before the discount, which is subject to the latest data released by the insurance company.
Wang Fei/Watchmaking
Business newspaper link
New car insurance "four no compensation"
After buying all the insurance for your car, does it mean that you can drive unscrupulously by putting your car in the "safe"? According to the reporter's understanding, even if you buy a full insurance for the vehicle, you need to pay attention to many details during driving, because the losses caused by many special circumstances are not within the scope of insurance claims. In order to avoid unnecessary expenses, experts suggest that after you buy new car insurance, you should know the following four situations in detail, which are not covered by insurance.
Drivers don't pay for intentional accidents.
According to the insurance clause, the driver's intentional behavior belongs to the scope of liability exemption, so even in an emergency, if the driver's intentional behavior causes an accident, the insurance company is not responsible for compensation. Therefore, experts suggest that car owners must abide by these terms.
Don't pay if the car hits your own house.
Insiders told reporters that the third party liability insurance is only responsible for compensating the third party for personal injury or direct property loss caused by accidents. According to the provisions of third party liability insurance, the definition of "third party" does not include the insurer, the insured, the driver and family members of the vehicle at the time of the accident, and the family members of the insured. Therefore, if you accidentally hit your family, you will not only suffer emotional pain, but also be unable to get compensation from the insurance company.
There is no compensation for lost cars in the toll parking lot.
It is understood that under normal circumstances, the insurance company is not responsible for compensation for the theft of vehicles in toll parking lots or operating repair shops. Because the insurance company believes that the vehicles placed in the above-mentioned places and parking lots are kept by the custodian, the custodian needs to bear the responsibility for the loss of vehicles caused by improper storage of vehicles.
However, experts still advise the insured that you should report the case to the insurance company as soon as possible, regardless of whether the insurance company is responsible for claims, and immediately file a claim with the parking lot. In addition, the driver must keep the parking receipt and keep it with him in case of emergency.
Lost items in the car will not be compensated.
Experts pointed out that according to the insured amount in insurance products, the scope of compensation for theft and rescue is only the vehicle itself, excluding the contents of the vehicle. At present, most of the items in the car are not underwritten by insurance companies, and only a few companies' property insurance products can promise to compensate for special items in the car. Therefore, experts advise the insured to put valuables in a safer place, or try to carry them with him to avoid unnecessary losses.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.