How much to buy scratch insurance for a new car, how much to buy scratch insurance for a new car a y

The scratch compensation limit of 2,000 yuan is appropriate.

When we buy a new car, the first year of car insurance, it is best to be able to insure the body scratch insurance, of course, only after the car damage insurance is purchased conditionally, as an additional insurance, it can not be insured separately.

The body scratch insurance protects the body scratches caused by the malicious behavior of others, and it is only effective for family cars and non-operating vehicles, and it is not possible to insure the body scratch insurance for business vehicles, if the private car once there are scratches, there is no need to keep the accident scene in order to settle the claim, and only need to apply for a claim to the insurance company, which is still very convenient. If there are no scratches on the vehicle, there is no collision problem, and there are only individual scratches, then you can claim through scratch insurance, but if the scratches are caused by vehicle collisions, scratches, etc., then this type of insurance is not responsible for the claim, but should be included in the compensation category of car damage insurance.

Since the loss ratio of scratch insurance is generally between 200 and 300, it is basically operating at a loss, and most insurance companies only cover new cars or new cars within two or three years. The scratch compensation limit is generally 2,000 yuan and 5,000 yuan.

It should be noted that scratch insurance is paid cumulatively, that is to say, if the insured amount of scratch insurance is 2,000 yuan, there is no limit to the number of accidents, but the cumulative amount of compensation cannot exceed 2,000 yuan, and the insurance contract will be automatically terminated if it exceeds 2,000 yuan.

In addition, many insurance companies currently set a deductible for scratch insurance, with deductibles ranging from 15 to 20.

Hello! Scratch insurance is an additional insurance to car damage insurance, and the protection liability is "artificial scratches on the body of the insured vehicle caused by the malicious behavior of others", and the premium of scratch insurance is not high, generally around a few hundred yuan. At present, the body scratch insurance of mainstream models in the market is about 400 yuan per year, and the maximum compensation limit is 2,000 yuan.

Due to the high loss rate of body scratch insurance, some insurance companies stipulate that in addition to new cars, the number of accidents in the previous year cannot exceed two accidents for old cars, and if it is one accident, the amount of compensation shall not exceed 30% of the premium, and the vehicle required to be purchased shall not exceed five years.

Hope it helps!

Legal analysis lead: In order to determine how much is the car body scratch insurance per year, the policyholder must first decide how much his insurance amount is, that is, what is the upper limit of the compensation amount. It is divided into four grades: 2,000 yuan, 5,000 yuan, 10,000 yuan and 20,000 yuan, and the policyholder and the insurer negotiate to determine the insurance limit when signing the insurance contract.

The premium of the vehicle will be affected by the sum insured, the grade of the vehicle and the age of the vehicle.

Legal basis: "Chinese People's Insurance Body Scratch Loss Insurance Clause" Article 3 The insurance amount shall be 2,000 yuan, 5,000 yuan, 10,000 yuan or 20,000 yuan, which shall be determined by the policyholder and the insurer through negotiation at the time of application.

The premium of scratch insurance is not high, generally a few hundred yuan. In order to determine how much car scratch insurance costs a year, the policyholder first has to decide what his insurance amount is, that is, what is the upper limit of the compensation amount. It is divided into four grades: 2,000 yuan, 5,000 yuan, 10,000 yuan and 20,000 yuan.

The premium of the vehicle will be affected by the sum insured, the grade of the vehicle and the age of the vehicle.

Hope, thank you!

As we all know, car insurance mainly includes compulsory traffic insurance and commercial insurance. Compulsory traffic insurance is a type of insurance that must be purchased by the state, while commercial insurance is a type of insurance that car owners choose independently. Car damage insurance is one of the more important types of commercial insurance, and under normal circumstances, vehicles will buy car damage insurance when buying car insurance.

Since scratch insurance is attached to car damage insurance, and car damage insurance is a commercial type of insurance, it is not necessary to purchase scratch defense insurance for new cars. However, in general, it is recommended that new car owners purchase scratch insurance. If the car owner parks in a safe place such as an underground garage or a private garage, then the car owner does not need to buy it.

If it is often parked in the open air, or where children often play in the parking area, it is recommended that the owner should buy both new and old cars to ensure safety. As can be seen from the above, if there is a scratch insurance during the insurance period, the premium for the second year will be affected. Generally speaking, if the vehicle is not insured during the insurance period, when the insurance is insured the following year, the insurance company will give the car owner a certain premium discount, but if the insurance has been insured, the premium of the second year will be affected accordingly, so if the scratches are small, the car owner can deal with it himself to minimize the expenditure on the premium.

The Motor Vehicle Insurance Rider stipulates that the amount of insurance premium shall be determined by the insurer and the insured through negotiation within the actual value of the insured vehicle.

Scratch insurance, generally just bought a new car like scratch insurance. Why is scratch insurance not worth it? For example:

Shed scratch insurance, the amount is 2000 yuan, **400 yuan! 5000 yuan quota, **800 yuan! If the amount is added up, the premium for the second year will be **.

In this way, it is not cost-effective to scatter an insurance in this hall, there are really scratches, and you can go directly to the car damage insurance.

Don't buy scratch insurance.

First, the loss rate of scratch insurance is very high, as I said upstairs, many insurance companies have teased Qi to cancel the insurance, even if there is, the basic line key plus absolute deductible, such as the deductible 400, you need 500 for maintenance, and the actual hand is only 100 yuan.

Second, scratch insurance bears a lot, at that time it is still counted as an insurance, affecting the second year's premium, if you report a scratch insurance, it must be a loss, but if the scratch insurance is more, the second year, may not give you your vehicle insurance, the number of accidents is too much.

Third, there is a mountain called car damage insurance in commercial insurance, and if the vehicle collides, it can be reported along (this requires a little skill).

Legal Analysis: Calculate the cost of the car ** specifically. Scratch insurance is the full name of body scratch loss insurance, which is an additional insurance for car damage insurance.

If you want to determine how much car scratch insurance is a year, the policyholder must first decide what the amount of insurance you have, that is, what is the upper limit of the compensation amount. The policyholder and the insurer negotiate to determine the insurance limit when signing the insurance contract. The premium of the vehicle will be affected by the sum insured, the grade of the vehicle and the age of the vehicle.

Most insurance companies have strict requirements for the purchase of scratch insurance, and generally only cover vehicles that are less than three years old. For old cars to insure scratch insurance, many insurance companies will require the number of accidents in the previous year. In order to limit the occurrence of malicious insurance fraud in body scratch insurance, some insurance companies will also make moves when making claims, not only requiring car owners to take pictures, but also requiring car body scratch insurance to go to the local police station to issue a certificate before making a claim.

Legal basis: Chinese People's Insurance Body Scratch Loss Insurance Clause".

Article 1 The insurer shall be responsible for compensation for the loss of scratches on the body without obvious collision marks.

Article 2 Liability exempts the insured and his family members, the driver and his family members from the losses caused by the intentional acts.

Article 3 The amount of insurance is 2,000 yuan, 5,000 yuan, 10,000 yuan or 20,000 yuan, which shall be determined by the policyholder and the insurer through negotiation at the time of insurance.

Article 4 Compensation (1) Compensation shall be calculated according to the actual repair cost within the insured amount. (2) The odds waiver of 15% shall be implemented for each compensation. (3) During the insurance period, if the cumulative compensation amount reaches the insured amount, the insurance liability of this additional insurance shall be terminated.

If you often park in the open air or in places where children play, or if you are not particularly good at driving yourself, it is recommended to buy it. New cars are more cherished, scratch insurance is relatively easy and only a few hundred yuan cost, a little scratch can be dealt with at any time, it is still very cost-effective. But if you have a very safe parking environment and are already a veteran driver, scratch insurance is basically a decoration.

Hope it helps!

For scratch insurance, you can buy it according to your needs, but you don't have to. Scratch insurance is an additional insurance to vehicle damage insurance, that is, if you have motor vehicle damage insurance, you can insure scratch insurance.