What type of car insurance premium? How to calculate? How to choose to buy what car insurance? Insurance company ranking

 

What type of car insurance?

What type of car insurance? What circumstances can get compensation? Get what compensation after be or get out of danger? In five minutes you spend reading the following content only, will help you claim at the time of the accident insurance and. Motor vehicle insurance rate is set by the Chinese Insurance Association of commercial insurance industry premium standards, known as the "commercial insurance industry vehicle basic rate table". Total is divided into A, B, C three, no significant difference between the clauses, insurance companies can choose the execution.

　A main risk: risk of loss of or damage to vehicles:

    The insurance premium rate:Is the price, generally within one percent of the price.

Insurance: insured or allow qualified driver in the use of vehicle insurance, because the causes of loss, the insurance company responsible for compensation: Insurance around the vehicle insurance vehicle insurance accident happens to the vehicle collision, rollover accidents caused by fire, explosion caused by vehicles from outside the object collapse, air operations object crashes, insurance vehicle parallel fall caused by driving loss following natural disasters caused by the loss of vehicle insurance: lightning, storm, flood, storm, tornado, tsunami, cave, ice fall, cliff collapse, landslide, debris flow, disaster insurance vehicle ferry carrying natural disasters (limited to the driver with the car care) caused by the loss of vehicle insurance

Compensation for the project: the reasonable expenses including the accident vehicle and loss of vehicle to take reasonable rescue and protection measures of expenditure

The deductible amount: according to your accident responsibility size, in accordance with the amount of compensation 5%-20%. Deductible 20% negative total liability, deductible 15% primary responsibility, equal responsibility for the negative 10% franchise, franchise 5% negative secondary responsibility.

    Select the auto insurance proposal: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 repair costs are out of their own pockets, it is probably thousands, tens or even hundreds of thousands yuan fee. The main risk must buy!

 

    Three, the third party liability insurance: the third party liability insurance, liability insurance, car insurance, no fault liability vehicle cargo liability insurance
   The third party liability insurance

    The insurance premium rate: the price floating, usually within 5-10 million more, rates generally one percent;
   Insurance: insured or allow qualified driver in the use process of vehicle insurance, accident, direct damage causes the third suffers from a personal injury or property, in accordance with the law shall be the amount of compensation is paid by the insured, the insurance company in accordance with the "road traffic accident treatment measures" and the agreement of the contract of insurance compensation.

   Compensation for the project: third party liability insurance compensation in accordance with the "road traffic accident treatment measures" provisions of the scope of compensation, standard project, as the insurance indemnity basis. Specific compensation shall be specified in the insurance contract, eliminating the exception responsibility part, the specific contents listed in auto insurance except responsibility section.

   The deductible amount: according to your accident responsibility size, in accordance with the amount of compensation 5%-20%. Deductible 20% negative total liability, deductible 15% primary responsibility, equal responsibility for the negative 10% franchise, franchise 5% negative secondary responsibility.

    Select the auto insurance proposal: third party liability insurance for the insured vehicle accident, direct loss causes the third suffers from a personal injury 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. In order to make the victim's legitimate rights and interests are protected,Most of the local governments will be the third party liability insurance as a compulsory insurance, do not buy this insurance, the car cannot go up card also cannot yearly check.

Vehicle liability insurance

The insurance premium rate:The personnel on the car driver's liability insurance,The floating, usually 1-3 million more, rates generally within 5/1000; staff car passenger liability insurance: this floating, usually 1-3 million more, rates generally within one point five percent.

   Insurance: insurance vehicle accidents, resulting in the loss of cargo and vehicle casualties and treatment costs, the insurance company liability.

Compensation for the project: the scope of compensation, the car casualties items and standards "provisions of the road traffic accident treatment measures" as a standard, but not exceeding the insured seats and the agreed amount of insurance. Specific costs include: personnel of the rescue costs, medical expenses, loss of working time charges.

The deductible amount: third party liability deductible ratio of no fault liability insurance: Insurance vehicles in use process, because of the traffic accident and non motor vehicles, pedestrians, the direct damage caused by other casualties and property insurance, vehicle side no fault, and refuse compensation failed, the insured has been paid to the other expenses being unable to recover the cost, the insurance company responsible for compensation.

Compensation for the project: according to "road traffic accident standard treatment approach to road traffic accidents" and out of area, in the insurance indemnity compensation. Deductible amount: every accident meet 20% of the amount of compensation

    Select the auto insurance: vehicle liability insurance, suggest to buy, according to the choice of a 1-2 million. But the car is the first Caution!, or buy insurance business to cover your loss.

   No fault liability insurance, cargo liability insurance vehicle:

   Most users do not buy this insurance.

Three.Additional risks:Whole vehicle pilfer, breakage of glass, spontaneous combustion risk of loss, the new device to increase the risk of loss

   Whole vehicle pilfer

The insurance premium rate:Is to keep the prices, rates are generally the price zero point six percent or so;

   Insurance: insurance car whole car theft, robbery, the police criminal investigation department at or above the county level for verification, not accounted for more than three months, the insurance company responsible for compensation

Compensation for the project: theft insurance amount insurance vehicle grab, but limited to the actual value of the whole car insurance vehicle stolen, robbed, by the cost of repairing the damaged or missing parts and auxiliary equipment

The deductible amount: the amount of compensation of 20% breakage of glass

    Select the auto insurance proposal:Whole vehicle pilferThe insurance compensation, 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. Recommendations 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.

Special tips: Luantingluanfang stolen not insured, so if you park safety conditions, can also be considered not to insure the whole vehicle pilfer.

   Breakage of glass

The insurance premium rate: the categories of imported cars and domestic car has the distinction, rates are generally within the price 1/1000 to 2/1000;

   Insurance: the windshield glass for vehicle window glass breakage and individually, the insurance company responsible for compensation.

Compensation for the project: according to the agreement, respectively, according to the actual costs of domestic or imported to buy a glass

The deductible amount: no

    Select the auto insurance types: for the breakage of glassVehicle in the park, or the use of the 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. But the general vehicle mostly choose the categories.

   Spontaneous combustion risk of loss

Insurance: because the car circuit, circuit, fuel system faults and the goods themselves on fire, or as a result of the car of new equipment for causes of the fire vehicle losses, the insurance company responsible for compensation.

Compensation for the project: when the vehicle has a part of the loss, according to the actual repair costs for repairs. If the car spontaneous combustion whole burnt or have lost value of the repair, the vehicle at the time of the accident compensation in accordance with the actual value, but can not exceed the sum insured.

The deductible amount: 20% of the amount of compensation

    Select the auto insurance proposal: spontaneous combustion risk of lossIs responsible for vehicle insurance, compensation for fault and the car carrying goods 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.
Although the probability of spontaneous combustion vehicles is relatively small, but spontaneous combustion often leads to serious economic losses, so the conditions permit, advise you against spontaneous combustion risk of loss. Most users do not choose this insurance.

   The new device to increase the risk of loss

Insurance: when the direct damage to the vehicle collision accidents caused by the car of new equipment, the insurance company according to the actual loss compensation.

Compensation for the project: if new equipment parts damage, the compensation for the actual cost of repair. If additional equipment damage, compensation in the amount of insurance.

The deductible amount: with the loss of vehicle insurance deductible proportion

    Select the auto insurance proposal: a new equipment loss riskWhen you own, for vehicles with refrigeration, oxygen equipment, clean fuel equipment, CD and video equipment, leather or power seats not vehicle factory with the equipment, should be considered for new equipment increased risk of loss. But general users mostly line this insurance.

 

Four, non deductible special risksThe non deductible special risks, must at the same time the insured vehicle damage insurance and third party liability insurance.

Insurance: insurance the insurance of insurance, vehicle in the vehicle damage insurance and third party liability insurance by the insured person to undertake the deductible amount, whether one or more times the insurance accident, were given compensation.

Compensation for the project: the loss of vehicle insurance and third party liability insurance in the amount of compensation in accordance with the deductible amount themselves insurer.

The deductible amount: no

    Select the auto insurance proposal: non deductible special risksOnly for the loss of vehicle insurance and third party liability insurance within the scope of the loss, deductible provisions cannot cancel the other additional risks. According to the contract, under normal circumstances, the insurance within the scope of 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.

 

    Five, body scratch damage insurance

   Juxian rate: this rate is generally within the price zero point five per thousand to 1/1000.

   Insurance: body scratch damage

Compensation for the project: body scratch damage

The deductible amount: no

    Select the auto insurance proposal: body scratch damage insurance, launched this insurance is because there are too many body scratch, the insurance company to increase revenue and reduce settlement risk, specifically the insurance from the car damage insurance separately charged separately, especially parking security is poor, easy to scratch the user, suggest to buy this car. If the parking safety management better, can not buy this insurance.

 

So how to choose the insurance company?

   The vehicle must be engaged in property insurance companies, insurance companies Each has its own merits., generally large insurance company strength, more safe and reliable, such as PICC, Ping An insurance; small insurance companies, the price is relatively low, but in the settlement, a large insurance company is relatively small insurance companies to facilitate the.

Insurance company ranking (background strength of insurance company ranking for reference):

Note the telephone car insurance has made legitimate telephone car insurance business license, can be understood to apply for telephone car insurance company, should have a certain strength to access background.

1, the People's Insurance Company of China (the telephone car insurance) 4001234567400819551895511

2, Ping An insurance company (the telephone car insurance) 400800000095518

3, China Life Property Insurance Company (the telephone car insurance): 4008007007

4, the Pacific Insurance Company (the telephone car insurance): 4006095500

5, the Bank of China Insurance (telephone car insurance): 4006995566

6, the joint insurance company: 95585

7, the insurance company (the telephone car insurance): 95590

8, an automobile insurance: 95505

9, Yongan insurance company: 95502

10, sunshine insurance company (the telephone car insurance): 4008088888

11, Anbang insurance company (the telephone car insurance): 40069-95569

12, Taiping Insurance Company: 95589

13, all state insurance 4008895586

14, Yongcheng insurance company: 95552

15, Huatai Insurance Company (the telephone car insurance): 4006012345

16, Bohai insurance company (the telephone car insurance): 4006111100

17, the public insurance company: 95507

18, Tian An insurance company: 95505

19, the balance of insurance (telephone car insurance): 4006706666

20, Ming An insurance (telephone car insurance): 4000123123

21, Huaan insurance company: 95556

22, Hyder insurance: 4000500000

23, Allianz automobile insurance: 40088836368009886688

24, AIU Insurance Company of Shanghai: 4008208858

 

The first half of 2010, the ten largest property insurance company ranking (can also be used as an reference strength and customers)

 

Company	Premium income
PICC	81406000000
Ping An insurance	29975000000
Pacific Insurance Company	27042000000
China United Insurance	10030000000
The insurance	8839000000
Sunshine Insurance	5593000000
China Life Insurance	5562000000
Tian An insurance	5160000000
Anbang property insurance	3732000000
Yongan property insurance	3298000000

 

 

 

 

How to choose to buy insurance?

 Now the door marketing, telephone marketing, Internet marketing, event marketing in many ways. From a cost point of view, telephone network and a decrease in sales and marketing costs, so the cost is relatively low. But should be especially alert is, now the network marketing, telephone sales, door-to-door there are many cheater trap sales, users cheated, how to prevent to be deceived?

First, the telephone marketing, whether the display is where the telephone number, you must be in accordance with the official customer service telephone, or the official telephone marketing insurance phone number, dial the telephone to confirm their own initiative, to pay.

Second, to the private account transfers, should immediately stop payment.

Third, in the handling of the insurance business, determined not to disclose their account information, password information to each other, as far as possible, not each other to provide identity information, communication information.

Fourth, if you have friends in the insurance company, may give you some discount in premium, convenient to the claims, but in time for the premium, as far as possible from a friend in advance, then the premium paid in time to get the policy. Don't believe the strange phone text messages to the account information.

 

Automobile insurance expenses calculator

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