First of all, a general 4S store or an insurance sales company will say: I will give you a discount if you are not insured, that is all deceit, because this is the same discount given by all insurance companies. You should directly ask how much discount you can get based on the price of the policy (invoice). For ordinary people, Taiping directly offers a 25% discount (it will fluctuate), and other small companies can get a 40% discount. If you can’t get it, come to me (Beijing).
In addition, many insurance sales companies in 4S stores now buy a lot of maintenance coupons for car insurance. It is recommended to give up and directly ask for discounts.
At present, in China's auto insurance market, there are two main types of auto insurance: compulsory traffic insurance and commercial insurance.
Compulsory traffic insurance is required by the state, and its full name is compulsory liability insurance for motor vehicles.
Commercial insurance is actually a combination, including many detailed insurance types: motor vehicle loss insurance, third party liability insurance, vehicle occupant liability insurance-driver, vehicle occupant liability insurance-passenger X seat, whole vehicle theft loss insurance, body Separate paint damage insurance (scratch insurance), water wading insurance, all items are excluded from deductible, special contract with designated professional repair factory, etc.
1. Compulsory traffic insurance
The maximum claim limit for compulsory traffic insurance is 122,000. Everyone was very happy to hear that, it was quite a lot, and the general vehicle loss was enough. But don’t be too happy too early, there is a sub-item compensation principle for compulsory traffic insurance:
As can be seen from the above table,
If the insured is responsible, death or total disability due to collision: 110,000, partial disability will be compensated in proportion; injury due to collision: 10,000; third-party property damage: 2,000.
If the insured is not responsible, the compensation limit for death and disability is 11,000, medical expenses are 1,000, and property is 100.
After paying the compulsory traffic insurance, you must stick the sign of the compulsory traffic insurance on the car. If the traffic police finds that it is not stuck, you will be fined 200.
2. Motor vehicle loss insurance
If the insured or his permitted driver has an insured accident while driving the insured vehicle, causing damage to the insured vehicle, the insurance company will compensate the insured vehicle within a reasonable range. Car damage insurance is insurance for the loss of the vehicle itself. If you don’t get car damage insurance, you can’t get additional insurance. More common car damage: collision, overturning (rollover), natural disasters, etc. (hail, rainstorm, explosion, etc.). The insurance premium is generally more than 1,000 and 100,000, which is related to the price of the vehicle model, which is equivalent to 3 yuan a day. The insurance claims rate is also very high.
3. Third Party Liability Insurance
1. The third party insurance is paid to the third party, excluding your own family members. There is a case: when a person reversed the car, he was inexperienced, let his family stand behind the car, and was unskilled, and the gas pedal was used as a brake, resulting in the death of the family member. In this case, the car insurance cannot pay compensation. If it is an outsider, you can settle the claim. This is also to prevent insurance fraud and deliberately hurt family members.
2. There is no principle of itemized compensation, and compensation will be made if there is any loss.
3. Do not accumulate the insurance amount. For example, for the three parties who have insured 100,000 yuan, after the first insurance claim, the second insurance amount will still be 100,000 yuan, and the previous compensation amount will not be deducted due to the first claim.
4. Premiums for commercial tertiary insurance: generally several hundred yuan, starting at 50,000, for example, around 600, 100,000, 800, 200,000, and 1,000, 300,000. The recommended amount is more than 500,000. If there is no truth, when there is an accident, it can only be a light kiss, in exchange for bankruptcy.
4. Insurance for people on board
Responsible for compensation for the casualties of the vehicle caused by the traffic accident of the insured vehicle. One driver plus four passengers (number of passengers). Generally, the insurance amount per person is 10,000 to 30,000, and the premium is about 40. The insurance amount is 10,000. One passenger is about 20 yuan. It is recommended that car owners, who have insurance for the occupants of the car, also remind passengers that they must take out accident insurance for themselves. The premium of accident insurance is 100 to 500, and the insurance amount is tens of thousands to hundreds of thousands. There are a few cases where a friend took a ride and got into an accident, and the two parties went to court, the root cause of which was the issue of money. We should learn to transfer these risks to the insurance company, not the driver, who can't afford to be injured. Regarding the ride-hailing of friends, the law stipulates that no matter whether the passenger rides for a fee or for free, the carrier has the legal obligation to deliver the passenger safely to the destination.
Five, theft and rescue
Requirements for claims for theft and rescue: After the car is stolen, report to the public security department above the county level, and if it is not found within 60 days, you can request for a claim.
The main insurance responsibilities are:
1. If the entire insured motor vehicle (including the insured trailer) is stolen, robbed, or robbed, the public security criminal investigation department above the county level shall immediately
The case confirmed that his whereabouts were not found for 60 days;
2. The insurance motor vehicle is robbed, and the reasonable expenses for repairing damages during the process of being robbed;
3. Insured motor vehicles are stolen, robbed, damaged after being robbed, or parts and accessories on the vehicle are lost as a result.
reasonable cost of repair.
Whole car theft and emergency rescue means that if a certain wheel or mirror is lost, it cannot be compensated.
There is one item in the exemption of liability: not the whole car is stolen, but only the parts or accessories on the car are stolen, robbed, or snatched;
6. Engine Special Loss Insurance
Also known as "water wading insurance", cars that have been insured with car damage insurance can be covered by this insurance. In other words, without the main insurance of commercial insurance, this cannot be covered. When the vehicle is flooded, the car damage insurance can pay for the damaged parts of the vehicle other than the engine, and the resulting engine damage can only be compensated by the wading insurance. Responsible for the reasonable cost of insured vehicles wading on flooded roads and rescue when wading. Compensation is available for engine damage caused by flooding. However, if the owner of the car is forced to start after being flooded and the engine is damaged, the insurance company will not compensate even if the water wading insurance is purchased. Vehicle full insurance does not include water wading insurance, and car damage insurance does not include engine loss insurance. Many friends think that everything will be fine with the comprehensive insurance. In fact, many times the "all insurance" does not include "wading insurance". The so-called "all insurance" generally refers to all the main insurance (three insurance, car damage insurance, theft Emergency rescue, compulsory traffic insurance), and additional insurance such as water-related insurance needs to be purchased separately. The compensation for the engine of the car damage insurance is an exemption item. If you want to insure the engine, you must purchase the engine additional insurance.
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7. The glass is damaged alone
In insurance accidents, glass breakage is usually accompanied by damage to other parts of the vehicle. At this time, glass breakage is within the scope of liability of the car damage insurance. And when the glass breaks alone, it does not belong to the scope of car damage insurance at this time, but belongs to the scope of liability of glass insurance. At this time, if there is no glass insurance, the insurance company will not pay.
8. Separate damage insurance for body paint (scratch insurance)
This type of insurance is an additional insurance for car damage, which can be omitted depending on the financial capacity of the car owner. Judging from the full name of the scratch insurance, it is mainly to protect the paint from damage alone, such as being scratched a few times, without obvious dents, no sheet metal is needed, just repairing the paint accident.
The premium for scratch insurance is generally 400 yuan and 2000 yuan. Compared with other items of auto insurance, such as three-party insurance, 600 yuan and 100,000 yuan are still relatively expensive, but scratch insurance can only be applied to new cars within three years, and general insurance companies refuse to cover scratch insurance for old cars. To be honest, it can still be driven if there are scratches, but it cannot be driven if the car is damaged or the glass is damaged. Because scratches appear easily, the claim rate of scratch insurance is quite high. Some insurance companies have launched: the car insurance will give you scratch insurance. Why is this possible? In fact, the location of the scratch was disguised, pretending that the car was damaged, and applying for a claim. However, if there is such a situation, the car damage can't cover up the scratches: the car body is painted, at this time, there is no scratch insurance, how can this insurance company settle the claim? Therefore, it is still necessary to keep a clear head, consider issues thoughtfully, and not be tempted by words such as "cheap car insurance with us" and "free scratch insurance for car insurance". If it is cheap, the amount of insurance will not be high, it is inevitable
9. Risk of spontaneous combustion
Generally, new cars have self-insurance and do not need self-combustion insurance. Old cars need spontaneous combustion insurance due to the aging of power supply lines and oil circuits. In another case, the goods on board and the outside temperature are too high, and the car burns, which is also within the scope of spontaneous combustion insurance claims. Therefore, new cars can also be insured for spontaneous combustion insurance, especially for friends who often drive when the temperature is too high in summer.
10. Excluding deductible insurance
The terms of the commercial third party liability insurance stipulate that the insurer will adopt a certain liability exemption rate according to the driver's responsibility in the accident.
In addition, don't put all the documents in the car, put the driving license in the car, and carry other documents with you, so as not to damage the documents caused by the loss of the vehicle. If the documents are missing, some deductibles will be deducted when the claim is settled, and 0.5% will be deducted for the lack of the same. , car purchase invoice, vehicle registration certificate, etc.), 3% less spare key chain.
11.
The designated professional repair shop has specially
contracted this type of insurance, and the car can be repaired according to the fixed damage price of the 4S shop.
If not, the damage will only be determined according to the market price of a general repair shop. If you want to go to a 4S shop for repairs, then you have to bear the price difference.
Generally better cars, such as imported cars, or a single special supply channel for accessories are recommended.
12. Insurance premiums for compulsory traffic insurance
(1) Basic rate table
(2) "Interim Measures for Floating Premium Rates of Compulsory Motor Vehicle Traffic Accident Liability Insurance"
(3) Examples of floating premiums for private cars
The following insurance premiums are related to accidents, loss of insurance, and transfer of ownership. If any of them changes, the premiums will also change. However, if there is no accident in a row, it will be reduced year by year according to the following amount.
1. Family car
Year: less than 6 seats, more than 6 seats
The first year: 950 yuan, 1100 yuan
The second year: 855 yuan, 990 yuan
The third year: RMB 760, RMB 880
Fourth year: RMB 665, RMB 770
If there are more accidents in a year, the premium will go up, as shown in the floating rate table above.
2. Non-commercial bus (enterprise)
Year: less than 6 seats, 6-10 seats, 10-20 seats, more than 20 seats
The first year: 1000 yuan, 1130 yuan, 1220 yuan, 1270 yuan
The decreasing rules are: 10% discount for no accident for 1 consecutive year, 20% discount for no accident for 2 consecutive years, 30% discount for no accident for three consecutive years.
13. Photos required for car insurance
Information required for personal vehicle:
1. Front and back photos of the owner’s ID card
2. Photo of driving license;
Information required for unit vehicle:
1. A copy of the organization code certificate
2. Copy of driving license
3. Unit official seal
What kind of channel to choose for car insurance?
1. Telephone sales is one of the main sales channels of major auto insurance at present. It is divided into two types: inbound and outbound: inbound business means that after the customer learns the insurance number of the insurance company, he/she actively dials the insurance hotline to apply for insurance; outbound business refers to Telemarketing agents conduct active outbound marketing to target customers based on customer information provided by the company.
2. The "ordinary auto insurance" in the question is not easy to define, so temporarily understand it as "non-telephone sales". Non-telephone sales channels mainly include:
*Direct sales channel : Find the salesperson of an insurance company to apply for insurance. At present, most salespersons of property insurance companies are contract employees, not ordinary agents. Therefore, if you find the right person, you can not only get a discount on the price, but also get professional insurance. For consulting services, just remember that no matter what problems you encounter, you can call them for consultation at any time, which is worry-free.
*Store channel: Go directly to the insurance company's store counter to apply for insurance, so that the price of commercial insurance will be 15% discounted, but the service is not as worry-free as finding an insurance company account manager, and you have to figure out everything by yourself;
* Online marketing channel: Apply for insurance through the online website of the insurance company. Now many people are beginning to accept this insurance model, and the price is also 15% off for commercial insurance. Occasionally, there will be many gifts when encountering marketing activities;
*Group insurance : If your company, community, and car club cooperate with the insurance company, and the insured vehicles reach a certain number and scale, you can not only get discounts on prices, but also add value-added services, There will be great advantages in claim settlement services;
*Car Dealer Channel : Find a 4S store to insure, the 4S store can earn insurance agency fees and vehicle maintenance profits through insurance customers, and will promise some claim settlement services to facilitate customers;
*Repair shop channel: Find a repair shop that cooperates with an insurance company to insure, similar to the car dealer channel;
* Agent channel: Find an insurance agency company and an insurance brokerage company to insure;
* Cross-channel life insurance : find your life insurance consultant to insure.
3. There are many channels for purchasing insurance. It mainly depends on which channels you have access to. No matter which channels you apply for insurance, the insurance liability is the same, and this will not change.
The only changes are: premium discounts, additional value-added services, and the promise of convenient claims settlement services.
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