Since last year have claims record bad customers buy at the local car prices go up many, many claim number is more than 3 customer renewal will play different insurance idea.

   Current insurance company PICC, Ping An, Taibao China has the auto insurance business, have launched a national pay business, in theory, the owners of insurance claims in different places, as long as the nearest choice either to compensate dot, can enjoy the surveying, accept the claim documents, payment of insurance indemnity and pays rescue expenses and other services. The owners have to protect insurance consulting: "different insurance" insurance offer affordable, what are the pros and cons? "Than for" what risk?

   Benefits: different insurance insurance price

   At present, the insurance information platform can only local query, for the auto insurance claims many car owners, while the insurance company is not check the annual claims information. Therefore, the insurance company will take the customer as the last year is not out of the customer, according to the underwriting rules of insurance company, the customers can enjoy 0.7 to 0.85 discount. For example: a customer on the annual loss of 3 times, the standard premium for 4000 yuan this year, if the local insurance premium will rise 30% reach 5200 yuan, if the insured can enjoy 15% off discount in different places, the premium for 3400 yuan; some insurance companies or even open 30 percent off preferential premium is as low as 2800 yuan. Such different cover general can make the premium is about 40% cheaper.

   A remote risk, insurance risk

   Compulsory insurance in accordance with the regulations can only in the formulation of regional sales, if the purchase of different cross strong insurance policy would be in violation of the provisions of compulsory insurance in the local through the relevant channels, leading to void the warranty.

   Two the risk, settlement risk

   Different insurance claims also need to travel for. Although there are many insurance companies have Quanguolianbao, but in fact, even between the same insurance companies in different branch competition than cooperation, many companies would rather improve the survey cost, commissioned assessment companies survey vehicle accident, rather than with the brothers started business contact. This caused the owners in the report claims the trouble. Especially there are claims disputes, the greater the cost and difficulty of customer claims, claims.

   While it is not a good way to reduce insurance premium, with the national insurance query platform networking, believe that soon different insurance companies can find customer annual claim information, then different insurance price advantage will no longer exist. Obey the traffic rules, careful driving, reducing the accident rate is the only way to reduce the insurance premium.

   The stream of vehicles has many private cars are foreign license, this has become a new trend in recent years. Since it is not a local license plate, then the vehicle is able to purchase insurance in Xiamen, and then to buy have restrictions, once the accident compensation is?

    On the limited conditions for the sale of the brand

    In fact, there is doubt, purchase a car owner, the card before you should do your homework first, because the Motors Insurance Corporation on the field license insurance have different restrictions, or after the licence was told not to purchase insurance, will become difficult.

    Take Ping An insurance, they provided whether the foreign brand vehicles can purchase insurance in Shanghai will depend on the license plate location. Usually from points near to Shanghai in Jiangsu and Zhejiang area can be, and if it is partly in Henan, Shandong, Guangdong, Hunan and other regions of the local licensing, peace is to restrict such insured car owner in Shanghai.

    Also since last year, the Pacific Insurance have also done some restrictions on foreign brand vehicles local insurance. Although not on the license area of the Pacific Ocean to be clearly defined, but want to buy some of the Shanghai field license must meet the following conditions: one, a car, a Shanghai identity card; two, to hold a local residence permit, temporary residence permits or property certificate. That is to say, do not meet the above conditions the owners can not buy Taibao insurance. And the people's insurance, sunshine insurance no limits.

     Automobile insurance premium calculation -- up to 14.5% off

    In addition to the limited conditions for the sale, a problem of auto insurance premiums to the owner is concerned. So different cars, both non local or local owners, purchase insurance in Shanghai, whether its premium can also get car insurance calculation of maximum 30 percent off discount? In this regard, the Pacific, PICC Property Insurance Company, such as sun reply, if the car without insurance last year in Shanghai, the largest discount this year in Shanghai when the insurance for the auto insurance 14.5% off. This is because, Shanghai commercial insurance platform can not get the car past driving record, so the insurance companies to improve the threshold in signing insurance policy.

    Similarly, holding foreign license car owners also can not get 30 percent off discount, some insurance companies will be based on the vehicle purchase price decision premium discount rate, public class cars such as the Dongfeng, Buick, GM and other preferential rate is higher, while the unpopular class car or low-cost models (such as 60000 yuan of the following Chery) insurance is preferential low. The car and the car has become one of the standard insurance company to measure the margin of preference, the PICC was slightly stricter. In the second year renewal insurance, if not out of good driving record and the word of the year, even if is the field of vehicle license plate can also get 30 percent off auto insurance discount.

    In addition to the formalities and price, different plate claims have what different? Industry sources, the license plate and the license plate in different local purchase insurance time although the threshold is different, but the customer service of automobile insurance is the same. Encounter danger condition, the owner shall report to the insurance company immediately, through on-site treatment to determine the losses and damages mediation, submitted to the insurance company claims materials. The case after the audit, can receive money.

2011-12-05Insurance information network