The second-hand car buying insurance novice proficient all pay attention to

Novice: recommended to buy ""

Anbang insurance customer representative Miss Zhang said, the basic risks including traffic compulsory insurance, the conventional vehicle damage insurance, non deductible insurance, but usually we called all risks in insurance before three when the third party liability insurance, liability insurance, car insurance, whole vehicle pilfer scratches, glass breakage alone a total of 8 kinds of risks. Traffic compulsory insurance must be guaranteed for insurance, novice drivers must be added to protect the third party liability insurance, economic conditions, and parked vehicles used and often travel to the field of vehicle suggest to buy pilfer rush to deal with an emergency. In the range of economic conditions allow, suggested a new car to buy "mentioned above".

Days of the insurance claims department staff said, novice drivers, are generally more careful, treasure, big accident less, however because of driving technology, the vehicle collision situation more, stand in the customer point of view, suggest to buy body scratch insurance. The owner can also be in accordance with its own situation, vehicle spare degree, insurance demand considering the purchase of car caustic danger. Secondly, the third party liability insurance also suggest to buy insurance, not less than 100000 yuan. Because of this risk relates to the property and personal safety of payment, in the traffic accident, will have certain security of another person's property and personal safety. For the persons in the vehicle liability insurance, if buy life insurance, stand in the customer's interests, suggestions can not buy. If the customer has its own parking spaces, residential special tube care, can consider to not buy pilfer rush to deal with an emergency.

Proficient: according to the need for security

Pacific Insurance Manager Yang suggested people driving experience, more than two years, if satisfied with their driving technology, can choose to only cover insurance on the third party liability insurance and compulsory insurance, if the driver is cross-country car, because the off-road vehicle speed, and suggestions to protect the third party liability insurance and the vehicle officers liability insurance. According to the different prices, Yang manager suggested: the price is in 30000 yuan to 100000 yuan models, suggest that inclusion of vehicle damage insurance, non deductible insurance, if the risk of higher consciousness of people, especially in the female owner based, on this basis, and the vehicle officers liability insurance, micro vans and small trucks must should additional insurance car personnel liability insurance; the price is in 100000 yuan to 250000 yuan between models, suggest additional loss of vehicles in the above mentioned insurance in insurance, whole vehicle pilfer.

Used cars: to the car insurance

Reporter recently found in Puyang Street in the vicinity of a second-hand car trading market interview, come to the choice of second-hand car consumers also many. PICC Property related to the purchase of second-hand car owners said, if it is "car of the year" two to 5 years old, the condition is good, the applicant may accordingly insurance according to their own need what kind of security. If the insured pertinence, driving technology is adept, insurance amount insurance can be lowered, such as the third party liability insurance coverage can be appropriate to reduce.

Pacific Insurance Customer Manager Zheng Jianyi, general driving 5 years people can also be counted as "old car", without much of a problem in driving, but the vehicle with the increase of service life, performance may be reduced, vehicles are prone to spontaneous combustion phenomenon, especially the micro car, recommending vehicle used for more than 5 years the old car have increased risk of spontaneous combustion.

In addition, after the vehicle traffic accidents, the owner must hope after playing in a call to the police, insurance surveyor to the first time rushed to the scene of the accident investigation, and they can also get the claim as soon as possible. If the insurance company claims survey service point nearby, so that staff can quickly, timely service for owners.