Insurance in the non deductible insurance

Up to now, market and there is no any insurance of vehicle insurance. In addition to buy insurance to pay strong, common insurance include CDW, pilfer, third party liability insurance, non deductible, body scratching the risks, broken glass, car personnel liability insurance, risk of spontaneous combustion eight.

        The concept of non deductible
   Insurance vehicle loss insurance and third party liability in the insurance of a liability in franchise, is in the compensation will certainly according to the proportion of compensation according to the classification of accidents responsibility you. If the insured non deductible, said in the vehicle damage insurance and third party liability insurance is not deducted from the accident responsibility franchise.
    For example: colliding with a nearby car, own50%Responsibility, self car loss1000Yuan, adjacent car loss2000Element, without considering the cross strong insurance case. The non deductible, since the car awarded car caustic danger1000*0.5=500Yuan, third party liability insurance2000*0.5=1000Element. Uninsured non deductible, since the car awarded car caustic danger1000*0.5*0.92=460Yuan, third party insurance2000*0.5*0.92=920Element.

Irrespective of percentage clause:

Special agreement, after insurance accident happens, shall be calculated in accordance with the franchise correspondence insured risks required, shall be borne by the insured deductibles, the insurer is responsible for compensation.

Any of the following circumstances, shall be deductible amount shall be borne by the insured, the insurer shall not be liable for:
A, motor vehicle insurance in the third party should be responsible for compensation and cannot find the third party;
Two, the insured according to the provisions of relevant laws and regulations to choose negotiation to deal with traffic accidents, but can not prove that the cause of the accident;
Three, due to the violation of regulations on safe loading and increasing;
The specified driver four, insurance, accident insurance for non designated driver using the insured motor vehicle increases;
Five, when the insurance accident insurance contract running area, in terms of increased travel outside the region;
Six, due to multiple insurance accident insurance period and the increased;
Seven, the whole car insurance accident loss provisions of motor vehicle theft and robbery insurance, the insured fails to provide the "motor vehicle driving permit", "motor vehicle registration certificate", vehicle origin certificate, proof of vehicle purchase tax payment (vehicle purchase surcharge payment certificate) or tax exemption certificate and the increased;
Eight additional clauses, but chose not to add the terms of insurance regulation;
Nine, can not be attached to the terms of the insurance provisions.
The insurance company commercial motor vehicle insurance in addition to pilfer to additional irrespective of percentage clause.

Calculation method of premium

1/Three party insurance
Standard premium=The compensation limit corresponds to a fixed premium the insured selected
2/Car damage insurance
Standard premium=Basic premium+Insurance amount*Premium rate
3/Pilfer
Standard premium=Insurance amount*Premium rate
4/Non deductible
Standard premium=The basic insurance premium and standard*Premium rate
The basic insurance refers to: car damage, three, robbery, personnel on the car
The above are just a standard insurance premium calculation method, the actual premium and many other factors:
Premium=Standard premium*Coefficient1*Coefficient2......
   Here the coefficient including cars, car age, exercise area, vehicle using character, whether the designated driver, no claim discount, whether the first time insurance etc.