Is the deductible exclusion in car insurance an add on? What are the requirements for insurance

Hello! Car owners who have carefully studied the terms of car damage insurance will find that car damage insurance stipulates a certain deductible. The deductible insurance of car insurance is an additional insurance to the car damage insurance, and the insurance condition of the deductible insurance in the car insurance is that only the car owner can purchase this insurance if the car is insured with the car damage insurance.

When purchasing car insurance, car owners should separately insure car damage insurance and third-party liability insurance without deductible insurance, so as to maximize their own claim rights.

If the customer chooses to take out the basic insurance without deductible clause, the insurance company will be responsible for compensating the part borne by the customer; The special clause of the additional insurance without deductible is similar to the special clause of the basic insurance without deductible, and is in addition to the deductible amount of the additional insurance. However, in this case, there is also an "absolute deductible" in which the owner bears part of the cost, which is called the deductible odds.

As for which insurance company to choose as its own car insurance service provider without deductible, it still depends on each person's preference, mainly through a comprehensive comparison of factors such as **, service attitude, and service outlets. In addition, car insurance without deductible planning online insurance needs to choose a professional online insurance platform, which will be your best choice. For more information on the insurance companies that provide car insurance without deductible, please click here

When buying insurance, you will encounter some unintelligible terms, the word deductible is a word we often encounter when buying car insurance, I don't know if this type of insurance is not good:What is deductible insurance? You'll understand after reading it! 》

How to understand the meaning of not counting deductibles?

1.Excludes deductible definitions and functions

Suppose we buy car damage insurance, if this insurance has a deductible of 15%, in fact, this is to show us, if we spend 100 yuan to repair the car, the insurance company only has to compensate us 85 yuan, and 15 yuan is the money we have to pay. This is the free odds, excluding the deductible, simply put, we don't have to pay the 15 yuan, the insurance company needs to bear all the losses after the car accident, in fact, the main insurance is relatively high, if the insurance company can not compensate us for all the losses, it feels really uncomfortable, so it must be attached without deductible insurance.

Now that we know what it means to not count the deductible, the deductible is an additional insurance, only if we buy the main insurance can we choose to add-on, if we want each main insurance can be deductible, then each main insurance needs to be separately added, not to buy a full main insurance can be without deductible. However, there are many types of additional insurance, and not all of them have to be boughtHow many types of car insurance are there?

Which ones can be left out? 》

2.Regardless of when the deductible is invalid

If you think that you will be fine with deductible insurance, then you are wrong, and its entry into force is conditional.

There is no responsible person, no accident location

If your car has been scratched, it may have been several days when you see it, and you can't find the person who scratched the car, and you can't find the person who scratched the car, and you can't find the **scratched car, in this case, it is useless to ignore the deductible.

If you do not purchase the corresponding type of insurance, the deductible will not be counted

In the previous we mentioned that the deductible is an additional insurance, you must buy the main insurance to attach, such as the third party liability insurance does not include the deductible, the car damage insurance does not include the deductible, etc., if your car is damaged and you forget to add the deductible when you buy car damage insurance, the insurance company will not be able to compensate in full. There are really a lot of car insurance that need to be bought, what should I do if I don't have enough budget for such a high car insurance, don't be afraid that I have a money-saving strategy here:"An article teaches you how to buy car insurance smartly".Hope!

With the living conditions getting better and better, more and more friends will buy insurance, and when buying insurance, many people will find that there is a detailed rule on the insurance contract without deductible, and because of this, many people feel very curious, so now all car insurance has deductible protection?

If we buy insurance in 2020, then among the insurance purchased in that year, if we do not ask for a deductible, then there is no deductible protection, and if we have a request to deduct, then we can enjoy such a benefit.

However, in the process of selling all car insurance in 2021, as long as we buy car damage insurance, then we can get protection without deductible, but if we do not buy car damage insurance, there is naturally no such protection, and many people are very careful in the process of driving a car, but there is still no way to avoid some accidents, so when we buy insurance, it is best to buy more comprehensive, so as to bring us better protection.

When driving a car, everyone should be cautious and abide by traffic laws, not after buying insurance has been at ease, only we are vigilant at all times, in order to better avoid some dangerous things happen, but also to avoid some accidents, everyone's caution is the best insurance for drivers.

In addition, we also need to pay attention to one thing, that is, in the process of insurance claims, if we have illegal behavior, then the car insurance company will not make a claim, so no matter what the situation, obeying the traffic laws is a very important thing, and it is also a thing that each of us should do well.

Current car insurance is incorporated into car damage insurance**, and if you buy car damage insurance, you can be protected without compensation. If you don't buy car damage insurance, there will be no protection without compensation.

Car damage insurance is not subject to deductible. Prior to the reform, the deductible was a rider that required a separate add-on. After the reform, taking out car damage insurance is equivalent to taking out deductible insurance.

Generally speaking, if you are insured without deductibles, you can transfer part of the responsibility you should bear to the insurance company again. It should be noted that there are also cases of non-payment without deductible, namely, no third party can be found, that is, the responsible party cannot be found in the event of an insured accident; The second is that the cause of the accident cannot be determined; The third situation is that there are too many accidents and too many often, and the number of accidents here varies from insurance company to insurance company.

Yes, this aspect is included in the general insurance theory, so after purchasing a car, after a major accident, you can also get the corresponding compensation.

Contain. But when you buy, you should tell this matter, and you should also ask the staff in the 4S store, so that you can get a certainty.

The additional insurance of car insurance excluding deductible special insurance refers to the additional insurance of vehicle excluding deductible as a kind of additional insurance specially agreed by the parties. This insurance is subject to the existence of a master insurance contract. The insurance liability is usually agreed upon by both parties to the insurance contract, and it is specifically agreed that the odds shall be calculated according to the deductible stipulated in the terms of the main insurance contract and the part of the deductible amount borne by the insured.

1. What is included in the subject of the insurance contract?

The subject of the insurance contract includes the parties to the insurance contract, the suspect of the insurance contract relationship and the assistant of the insurance contract. Among them, the parties to the insurance contract refer to the policyholder and the insurer, the insurance contract relationship refers to the insured and the beneficiary, and the insurance contract assistant refers to the insurer, the insurance broker, the insurance appraiser, etc. According to the Insurance Law of the People's Republic of China, an insurance contract is an agreement between the policyholder and the insurer to stipulate the relationship of insurance rights and obligations.

The policyholder refers to the person who has entered into an insurance contract with the insurer and has the obligation to pay the insurance premium in accordance with the contract. The insurer refers to the insurance company that enters into an insurance contract with the policyholder, and bears the responsibility of compensation or payment of insurance money in accordance with the contract.

The second and third risks are not complete risks.

It's not the same. The full coverage does not include broken glass and deductible, when the car only breaks the glass will not be compensated, and without purchasing deductible insurance, the loss caused by the accident may not be fully compensated. The compensation paid by the insurer of third-party insurance to the injured party cannot ultimately fall into the hands of the insured, but the subject of the collision is insured with vehicle damage insurance.

3. What is the formula for calculating deductibles?

The full name of the deductible insurance is "the special clause without deductible", which belongs to commercial insurance, which can be bought or not, and the purchase of deductible insurance is not deductible, in the event of an accident, in addition to the deductible amount borne by the owner, the insurance company will be responsible for compensation within the liability limit according to the formula of deductible insurance rate = vehicle loss insurance x 20% + third party liability insurance x 20%.

Article 28 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability.

In the event of a road traffic accident involving the insured motor vehicle, the insured shall apply to the insurance company for compensation of insurance money. The insurance company shall, within one day from the date of receipt of the compensation application, inform the insured in writing of the proof and materials related to the compensation that need to be provided to the insurance company.

Nowadays, many people have their own cars, new cars, many people will consider buying car insurance for new cars, car insurance can be said to be a wide variety, car insurance is called deductible insurance. What exactly does it mean to have a car insurance without deductible? It is reported that it is not possible to buy it directly without deductible insurance, what is going on, let's find out.

What is included in car insurance without deductibles.

Xunsen imitation deductible insurance in car insurance is an additional insurance, only after buying the main insurance can you buy deductible insurance, it is a kind of commercial additional insurance.

Excluding deductible insurance, it usually refers to a kind of insurance in which the insurer is responsible for compensation for the part of the deductible that should be borne by the insured after the occurrence of an insured accident calculated in accordance with the deductible calculated in accordance with the corresponding terms and conditions of the main insurance policy. After the insurance is insured, the owner can not only enjoy the part of the compensation that should be borne by the insurance company according to the terms of the insurance; You can also enjoy the part of the compensation that should be borne by the owner because the owner is responsible for the accident.

According to the different insurance objects, the deductible insurance can be divided into the basic insurance without deductible and the additional insurance without deductible, the owner should understand in detail when applying for insurance.

The above content is the relevant information I shared with you today about the deductible in car insurance, because it is an additional insurance, so the deductible insurance can only be purchased after purchasing the main insurance.

Car owners face various accident risks during driving, in order to further help car owners pass on the risk of liability, it is recommended that you get a suitable deductible insurance for your car as soon as possible. What is the difference between deductible insurance and deductible special insurance?

Deductible insurance and deductible special insurance are unified types of insurance, but the names are different, there is no difference in essence, they are both additional insurance for car damage insurance and three liability insurance. Here are a few things you need to pay attention to before you apply for insurance:

1.When purchasing car insurance, car owners should separately insure car damage insurance and third-party liability insurance without deductible insurance, so as to maximize their own claim rights.

2.It is necessary to purchase the relevant main car insurance before it can be insured.

3.There are two types of deductible insurance: "basic insurance without deductible" and "additional insurance without deductible", and the service objects of the two are different. "Basic insurance without deductible" is an additional type of insurance, which serves the main insurance.

If the policyholder chooses this clause, then the insurance company will bear part of the risk in the event of an accident in the event of a car damage and third party liability. As the name suggests, "additional insurance without deductible insurance" is for additional insurance, such as body scratch insurance, spontaneous combustion loss insurance, wheel damage insurance, new equipment loss insurance and other additional insurance, some insurance companies have corresponding deductible insurance for sale. You can choose according to the specific protection needs of your car.

4.In addition, free registration as a member, you can also enjoy various member preferential policies. To buy deductible insurance for your car, you should choose a formal insurance platform, which provides car insurance products from multiple insurance companies, you may wish to compare and buy.

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The full name of the banquet without deductible insurance is "special clause without deductible", which is an additional insurance of commercial insurance (car damage insurance or three liability insurance). As an additional insurance, the deductible insurance needs to be insured with the "main insurance" as the precondition for insurance, and cannot be insured separately.

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