"Motor vehicle insurance" insurance arrangement and interpretation

Basic insurance:

1, cross strong insurance (BZ)
Insurance: 60000.
2, the vehicle damage insurance (A)
The amount of insurance according to the insurance: 80% vehicle replacement car as full.
3, the third party liability insurance (B)
The insured amount: 50000, 100000, 150000, 200000, 300000, 500000, 1000000.

Additional risks

1, pilfer (G)
Insurance: insurance according to the actual value of the vehicle at the time.
2, the vehicle officers liability insurance (D1)
The insured amount: 200000 yuan per person is optional.
3, no fault liability insurance (W)
Insurance: optional within 50000 yuan.
4, breakage of glass (F)
Selective insurance
5, fire, spontaneous combustion, explosion risk of loss (E)
Insurance: Insurance: insurance according to the actual value of the vehicle at the time.
6, body scratch damage insurance (L)
Insurance: three years within the car can be insured, the insurance amount to 5000 yuan.
7, irrespective of percentage of special risk (M)
Insurance claim payments basic insurance loss within the scope of responsibility lose.

Noun explanation

Vehicle insurance commonly used commercial insurance is divided into basic categories (4) and additional insurance (3) and non deductible insurance.
The basic insurance refers to the loss of vehicle insurance, third party liability insurance, whole vehicle pilfer, staff car insurance; additional risk refers to the breakage of glass, spontaneous combustion risk of loss, body scratch insurance, and insurance (glass insurance without non deductible) do not record deductible insurance. Additional risks every property insurance company in these categories outside have developed less a few dozen. Basic risks can be insured, additional risks are the main risk in handling the relevant rear can be insured, the insured non deductible special risks, you must first insurance related insurance for.

1, cross strong insurance
Motor vehicle by state regulations in the form of demand driving in the China road traffic accident compulsory insurance should be the insured. This insurance must be insured, it is the legal insurance, otherwise the vehicle can not be driven on the road. Otherwise the purchase of additional fines.
2, the vehicle damage insurance
The vehicle damage insurance charge compensation due to natural disasters and accidents caused by the loss of vehicle. This is the most important insurance of insurance. Don't spend a lot of money, but it can get great security. Generally speaking, for imported cars, domestic cars, if the year is not too long, or the driver technology or to vehicle safety driving habits can not provide high security, best can buy this insurance. If you don't keep this insurance, vehicle collision after repairs had his own pocket.
3, the third party liability insurance
Third party liability insurance for the insured vehicle accident, resulting in third (roadside pedestrians or other vehicles) direct losses suffered casualties or property, in accordance with the provisions of the insurance contract insurance compensation. Cover the insurance is the most necessary. Drive the fear most is the crash, crash, his car by the loss is not, but also spend a lot of money to repair, treat others. Against this risk, to spend one thousand or two thousand yuan, can obtain a higher security.
4, the whole vehicle pilfer
Whole vehicle pilfer, the insurance is responsible for vehicle theft, robbery for all the losses caused by the vehicle, and during the loss caused by damage to the vehicle or the car parts, ancillary equipment loss. If you have been stolen by thieves had hardly wished to live. wallet, you will know if your car is stolen, robbed, apart from causing huge economic losses to you, will be extremely sad, in order to avoid this situation, suggestions to the car with anti-theft device you can reduce the risk of (theft, but can not be completely avoided, at the same time it stolen) covering the whole vehicle pilfer.
5, staff car insurance
Against the third party liability insurance, Is it right? Also includes the personnel on the car insurance, but does not include, to personnel on the car safety guarantee, need to insure the vehicle officers liability insurance. The insurance is responsible for vehicle accidents caused the personnel on the car casualties (including drivers and passengers) loss.
6, breakage of glass
For the breakage of glass, car is in park or in use process, the other part is not broken, only windshield and car broken glass alone, the insurance company responsible for compensation. It is necessary to buy this insurance to high-grade car.
7, spontaneous combustion risk of loss
Spontaneous combustion risk of loss is responsible for vehicle and cargo insurance because of the fault of the vehicle electrical appliances, circuit, fuel supply system itself on fire, caused the loss of vehicle insurance; but due to external fire causing the vehicle on fire, do not belong to the spontaneous combustion risk of loss extent of liability.
8, risk of Nick

No significant dent, only scratch the paint off the body.
10, non deductible special risks
Non deductible special insurance only to have the insurance liability insurance within the scope of the loss. According to the contract, under normal circumstances, each insurance accident and compensation calculation performed in accordance with the principle of accountability deductible, the owner shall bear a certain proportion according to the size of the accident loss (called the deductible). But if the insured non deductible special risks, after insurance accident happens, the insurance company is not according to the original provisions of the deductible franchise, but the actual loss is calculated in accordance with the provisions of compensation for.
11, travel insurance costs
If the insured the vehicle insurance, the insured within the period after the accident, the vehicle into the factory repair, the insurance company according to the insurance amount payment agreed when the insured car rental fee. This product is suitable for the owners of public more.