Low rate telephone car insurance: get up for six big devil details

　　Each year in December and January of the next year is a new round of auto insurance expired buy concentration period. Some owners want to adjust the security of existing content, some want to change a service better insurance company. Then choose insurance car business of their own, through what channels? The insured must pay attention to what the details?

　Wait phone insurance intermediary, select companies

The first step is to choose to buy car insurance auto Business insurance company. According to the weekly financial reporter, in addition to buy direct from the insurance company, at present the main is to buy through intermediary channels.

Broker's Firm is one of the owners of the choice of insurance. Insurance broker on behalf of the insured and the insured person's interests, to provide professional risk management services to customers, design insurance program, for insurance and claims and other services. Car Union national automobile service alliance, also cooperate with insurance companies provide insurance services. After the Chuxian call the company's service hotline, have professional personnel to assist the owners, submit the relevant materials. For the owners to full agency claims, the relevant information and repaired the car together to customers.

And the owner in the 4S store (the "four in one" as the core of the automotive franchise business model, including vehicle sales, spare parts of Sale Sparepart, after sale service, information feedback Service Survey) after the purchase a car is in the shop, buy insurance. Future if insurance accident, not only can escape from danger and called insurance company call, but also through the 4S shop car insurance consultant at risk. Through the latter at risk, owners can enjoy "a pair of line services". Owing to the support of manufacturers, professional 4S shop in automobile spare parts and services, but the price is relatively high.

It is understood, since the agency to enter the auto insurance market, aggravate the competition of property insurance company. Juxian rate decreases, 40 percent off, 50 percent off, appeared in succession, some still hit purchase insurance sent nearly 1000 yuan oil coupon or gift advertising. Some insurance company claims, each signed an insurance policy is a loss.

Have expert analysis, in general, 30 percent off car insurance premium discount is property insurance company, the line of life and death. Intense price competition caused the loss of property, claims it is difficult to guarantee, leading to a series of complaints and disputes are repeated.

Peoples Insurance Company of China manager Insurance Department of a branch Li Xu on the financial weekly said: "some of the owners of the insured convenience, find an intermediary agency insurance introduced by an acquaintance or, and I know very little about the insurance matters. This may be the intermediary part of irresponsible to match the insurance coverage and the owners, adjustment of interests. In addition, some of the 4S shops have been do not regulate the operation of the phenomenon, the owners can not get compensation."

In view of the above situation, many insurance companies gradually introduced telephone insurance insurance. This way to the private car as the main object, removed from the intermediate links to reduce the fee expenditure, reduce cost of sales has prominent advantages. Purchase insurance through the intermediary general rate of 30 percent off, but the phone insurance can play 15% off, equivalent to 40.5% off. On the surface, is a substantial decline in the price, but the insurance company, but higher profits. In addition, the centralized management of property insurance companies, consumers can get more high-quality service. Therefore, by telephone sales channel can bring the insurance companies and consumers "win-win".

On the financial weekly newspaper reporter understanding, the insurance company also provides additional free services. As urban vehicle fault free trailers, emergency oil supply services and remote damage, claim etc.. Of these, all is in order to attract consumers to buy insurance.

"Select the auto insurance, first of all, to see a property insurance company's strength, such as asset size, branches distribution; secondly, to see the after sale service, this is very important, as well as a focus of each company competition. Also see claims service, timely treatment, high credibility of the company, natural attract customers." Li Xu said.

　Basic risks have additional risks on-demand

According to financial weekly reporters refer to the insurance company terms found, insurance is divided into basic insurance and additional insurance. In practice, the so-called "all risks" often refers to the owners insurance compulsory insurance, car insurance, third party liability insurance, the four basic risks disaster. But the basic insurance does not include the additional risks, and the insurance amount up to twenty in several categories from.

According to the insurance clauses, motor vehicle compulsory insurance is a compulsory insurance prescribed by the state, the vehicle damage insurance, whole vehicle pilfer, third party liability insurance and their non deductible are the 4 main risks we usually say. These 4 categories are closely linked with each purchase a car, all need to cover general. The "non deductible insurance", refers to a type of consumer once the danger, the insurance company will need one hundred percent compensation, while only partial compensation in accordance with the ratio. The car insurance is the basis of additional risk, only the insured automobile physical damage insurance insurance additional risks to other. While tyre breakage alone, the car paint breakage alone and engine wading and other aspects of the insurance need the owner according to the actual situation to decide whether to buy the car.

"Recommend owners spend more money, buy the third party liability insurance, liability insurance, driver and passenger seat car damage insurance deductible insurance compensation in the insurance company may, when the owners to avoid the loss of some interest. While others such as pilfer, glass, spontaneous combustion, scratch insurance and other insurance, in the car in the risk, relatively speaking not a happy family and financial leads to severe impact. Therefore, suggest to buy according to demand." Li Xu said.

In addition, some owners also worry that the inadequate protection, think more insurance can compensate. "This idea is just wishful thinking of the insured. In the accident vehicle damage, insurance companies in strict accordance with the actual losses to determine the amount of compensation for vehicle, if the actual value of the vehicle is only 100000 yuan, the highest insurance company claims will not be more than 100000 yuan, so the applicant shall faithfully covered." Li Xu said.

　　Terms to see the claim on the basis of

Insurance claims is perhaps the most people program headache and most easily causes disputes. Some insurers that give the vehicle to buy insurance could get all the losses in the occurrence of payment. Thus in daily use and management of vehicle some slack. What does not know to buy the vehicle insurance, accident insurance company is not all vehicles are responsible for compensation.

Royal insurance manager Xiong Shaolang told financial weekly reporter said "only those with insurance liability insurance companies for compensation, but also may be deductible in the claims process, so there are still a part of the loss to the insured themselves. The car before signing insurance contract, pay attention not only to the liability insurance clause, do know the score, but also pay close attention to the exemption clause in the insurance contract."

"The owners need to pay attention to some details, such as the insurance contract in accordance with the special agreement, pilfer the car to get official license to take effect; the vehicle is not examined or fails the annual examination, the insured vehicle towing uninsured vehicle, traffic accident, did not transfer to the policy of buying second-hand car, insurance company is entitled to reject the." Bear Shaolang said.

According to Xiong Shaolang introduction, the pilfer rush to deal with an emergency, if only the car parts or ancillary equipment was stolen or damaged, non full car insurance companies do not pay the insured vehicle theft; the whole car theft, robbery, snatch, the insured cannot provide the motor vehicle registration certificate, motor vehicle driving license, vehicle origin certificate, invoice, purchase a car vehicle purchase tax payment certificate or tax exemption certificate, the lack of a 5% increase, the other absolute 免赔率; wife of the missing car keys, the other 5% increase in the absolute 免赔率.

Bear Shaolang also reminded consumers: "we must fully understand the various insurance coverage rate and partial amount, and a deeper understanding of the categories of insurance liability and exclusions, claims to be found."