Pilfer is the full name of the motor vehicle whole vehicle pilfer.
Insurance liability whole vehicle pilfer of motor vehicles for the whole car was stolen, robbed, robbed the vehicle caused the loss and theft, robbery, were looted or damaged during the car parts, ancillary equipment lost the reasonable expenses needed to repair.

   Visible, motor vehicle whole vehicle pilfer insurance liability includes two parts: one is due to theft, robbery, robbery caused a loss of vehicle insurance; two is due to the insurance of vehicle theft, robbery, robbery of reasonable cost expenditure. The two part of the cost of the insurance company is responsible for compensation in the amount of insurance insurance car whole car was stolen, robbed, robbed the loss caused by.
　　1, the insurance liability
Vehicle insurance if the car theft, robbery, the police criminal investigation departments to verify, not accounted for more than three months, the insurance company responsible for compensation insurance car whole car was stolen, robbed or damaged after the car parts, ancillary equipment lost reasonable expenses needed to repair.
　　2, determine the amount of insurance
The sum insured Daoqiang Xian is determined in accordance with the actual value of the insured vehicle. Note: the actual value is the price minus the depreciation amount with the new car to purchase price. That is to say, the customer's vehicle is assumed to be 100000 yuan to buy, opened 3 years, maybe the insured or purchase in accordance with the value of 100000 yuan of insurance, but once the car is stolen, the insurance company did not compensate for 100000 yuan, 100000 yuan but less after 3 years of depreciation value.

   Another point to note, if the customer bought second-hand car is insured Daoqiang Xian, once stolen, will pay compensation in accordance with the assessment of second-hand car trading price minus depreciation. So, even if you are insured vehicle purchase price, also can not pay so much.

　　3, common exclusions:
(1) the accident insurance vehicle theft, if the owners lost the original invoice, purchase a car driving license, vehicle purchase surcharge receipts will be absolute, every increase of 0.5% free. The absolute non lost car keys 5% increase. That is to say: a 100000 yuan worth of stolen car, such as the absence of relevant proof, should compensate 90000 yuan, then only lost 80000 of 5000 yuan. Therefore, advice customers don't these items alone in the car.
(2) vehicles in the parking fees or business stolen or repair factory fire, the insurance company responsible for compensation for it Because these places have custody of the responsibility of the vehicle, in the storage period, the safekeeping party caused by the vehicle is damaged or lost, the depositary shall bear the responsibility. The insurance company is not responsible for compensation.
(3) vehicle theft and robbery, the vehicle used by criminals causes the third losses, the insurance company responsible for compensation for it Provisions, insurance vehicle theft, robbery, during the robbery of the entire vehicle, whether anyone driving the car caused third casualties or property losses for exemption from liability. Also is in do not pay within.
(4) stolen vehicle parts, the insurance company responsible for compensation for it Because pilfer refers to the whole car is stolen or robbed, so for some parts (such as wheels, antenna etc.) and new equipment (such as sound) alone is stolen, the insurance company does not pay.
(5) vehicle the creditor is stolen, the insurance company responsible for compensation for it Is not responsible for compensation. Because of a clause: the insured person and other civil, economic disputes and the vehicle was stolen, for exemption from liability.
(6) stolen vehicle recovery, the insurance company how to deal with the claims The stolen vehicle insurance rob back, if the insurer has not indemnity, the vehicle should be returned to the insured, but the whole car stolen, the vehicle damage or the car parts, ancillary equipment lost the reasonable expenses needed to repair, the insurance company responsible for compensation. If the insured has compensation, the vehicle should be returned to the insured, at the same time to recover the corresponding reparations. If the insured person not to recover the original vehicle, the vehicle belongs to the insurance company.