Insurance advisor / Wang Qiong

     With the popularity of credit cards and consumer attitudes change, bank a variety of activities, there are a lot of people using loans to buy a car, but the car fixed expenses, purchase insurance is a very important link.

     A few days ago to visit an old customer, he encountered a headache, all loan insurance "into" curse ""!

     Then, the loan car how to buy insurance? With the ordinary car insurance have what different? What are the key questions will make loans insurance "trouble"?

     Search in the GOOGLE, found that the problem is no one answer. Wang Qiong will talk about their professional solution! I brought some substantive help to friends!

     1) loan car should be how to buy insurance?
     Loan car insurance categories and other insurance is not what different.
     General in the first year, if you are a novice is a new car, the best buy insurance (that sell car dealers can do this for you, usually. If there is more trust insurance consultants can make insurance consultants check for you, so you can spend more understand).
     But the insurance does not mean what are guaranteed, to see all the content of the project: the past all risks must be two basic risks include car damage and three, other additional risks according to the different insurance companies vary slightly, including robbery, the car personnel liability, scratches, spontaneous combustion, broken glass alone, the purpose is to cover every possible risk owners will encounter. Now also add cross strong insurance. April 1st robbery, scratches, the car personnel liability are royalty main risks, may have different interpretation.
     In the second year you can select categories according to the first years of the situation, but in general, including basic insurance are not less,: car damage, third, handed over the strong, non deductible. If imported cars, glass is very expensive, it is best to glass insurance.

     2) loan insurance and general insurance have what different? What are the key questions will make loans insurance "trouble"?
     Bought the insurance people all know, general insurance is very simple, is an annual lump sum payment, to get the insurance contract, it can, to second years of corresponding day to second years of insurance. While lending car is not the same, because the installment, such as 2 years, 3 years and 3 months, and a one-time payment of insurance premiums are relatively high, if you simply think, one-time paid all the insurance, the insurance contract can get during loan (such as: 2 years, 3 years 3 months) sleep without any anxiety. So, you are completely mistaken!
     Because the difference between loan insurance and general insurance is here: cross strong insurance, third of these two risk is to buy a year, 10 million cannot careless, especially in selling the car or the 4S store to buy things, to second years if no one to remind you to renew it is easy for loans car insurance "" what trouble, in the event of a major accident, can not pay the insurance company for you, and have a full pocket! And the big accident at least tens of thousands, many hundred thousands of, if the compensation is not the only yourself to blame the gist, not insurance companies do not lose it one of the most important part of the renewal of no renewal, is guaranteed not reported! For example: if the loan insurance for 3 years and 3 months, all the effective date of the insurance is: 2007.1.1, the main risk during the effective period of 2007.1.1 ~ 2011.3.31, period and cross strong insurance, the third is: 2007.1.1~2008.12.312009.1.1 must remember to give these two types of separate renewal, in order to ensure the overall and policy entry into force!
     The previously mentioned and old customers is the case, because they do not know this, then buy the first year when the car insurance is handled on behalf of, but by the second year, the garage that friends are not in the job, the insurance company does not call for its handling of the renewal, until he a careless driving out of an accident that cross strong insurance and third party has expired for 6 months, but he is lucky, is a small accident so little impact, but if a big accident, I am afraid to cry no tears, but too late... Later, I learned that this situation to the think of a way to, but the problem is cross strong insurance can only buy one year, that is to say, not only directly added so simple, have no give birth to a lot of trouble. Such as: in the first year of the date of entry into force of 2007.1.1, cross strong insurance, third party should the renewal date for the 2008.1.1, but the date not to renew, to 2008.7.1, to renew it, in front of 6 months for the vacuum period, the risk of strong during the effective period of only: 2008.7.1~2009.6.30 days, but third effect can be: 2008.7.1~2008.12.31, so they made an album of policy becomes very fragmented, cross strong insurance and other insurance effective date would have been "feet" on, so, that is not conducive to saving premium (because individual insurance. If there is no any discount); and is not conducive to the management policy, must spend mind remember the two date, and also a year do two insurance, waste a lot of time and energy! This is the loan insurance easily "provoke" curse ""!

     In short, whether the insurance or life insurance or other insurance, buy only one objective, that is to spend less money to get higher security, less money to spend Christmas with ease!
     People make fun of to say "don't let the policy effective, otherwise you are in big trouble!" Although this is a joke, but also with the hope that the voice - our peace, pray for peace of mind! Pray for accidents and disasters don't come! While the role of insurance only that we don't want any disaster can really solve the problem for us!
     Also some people said "insurance is a lie" in fact, the insurance is the compensation to compensate, and resolutely not the compensation of the compensation, because it is related to the interests of policyholders. The key is, do we really understand the truth about insurance? What we really need? What is not?
     So, as long as the attention to simple knowledge and skills in some insurance, different functions to recognize simple classification of insurance and the different projects in different risk categories. Believe, happy happy life with us about!
     Often say "understand the insurance people with insurance, do not understand insurance insured by", this is not false! Let us work together, to become the master of life insurance!
     < in your insurance awareness rising at the same time, Wang Qiong also will accompany you to constantly enrich the knowledge of insurance! Welcome message and consulting! >

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