1. third party liability insurance is compulsory to be insured, don't be guaranteed the vehicles can not pass the annual inspection.
2 the vehicle damage insurance is the basis of additional risk, car damage insurance is not insured, other additional risks cannot be insured.
3 additional risks, the owner can choose according to their own situation:
For example: if your car is in daily use process has been in the parking lot is reliable, safe in the park, on the way to work the way no what special quiet road, you can consider does not guarantee pilfer (but if you lose your car is very common, the relatively high rate of models, it must Paul pilfer). If your car is very cheap, so glass insurance premiums may reach the windshield glass itself prices 30% ~ 40%, it is not worthwhile, therefore, can consider to give up the glass. If your car is a new car, so spontaneous combustion risk is very low, can consider does not guarantee.
4 non deductible insurance we suggest should be preserved, otherwise, once the danger, the insurance company only pay 80% of total loss.
5 also note that, now many insurance companies according to different models to calculate the rate, some of the old models or longer year rate may be high.