How much does PICC s vehicle damage insurance cost for a year?

There are three calculation methods for PICC's vehicle loss insurance**, and the amount depends on the calculation method. To determine based on a number of factors, please see the following article.

There are three main ways to calculate the premium of vehicle loss insurance, which are calculated as follows:

The first is determined according to the purchase price of the new car. (The amount of insurance is determined according to the purchase price of the new car, which refers to the **plus the purchase fee** of the same model at the time of insurance in the market.)

In this way, the insurance company considers that it is fully insured, and the insured can get compensation for the actual loss when the accident occurs. )

The second type is determined by the actual value at the time of insurance. (The sum insured is determined by the actual value at the time of insurance, and the actual value refers to the purchase price of the new car minus the depreciation amount.)

Although this insurance method can pay less premiums, it is underinsured in terms of insurance. In the event of an accident, compensation should be made in accordance with the ratio of the insured amount to the purchase price of the new car. And the proportion of insurance companies that do not pay is often more than the part of the premium that is saved.

The third is a more flexible method, which is determined by the policyholder and the insurance company through negotiation. (It is a more flexible way to negotiate between the policyholder and the insurance company, and this type of insurance usually occurs in rare vehicles or confiscated vehicles.)

Because rare models like classic cars are often not comparable in the market, and the value is relatively high, and the purchase price of confiscated vehicles is often too low. The amount of insurance for both types of cars is difficult to determine. Therefore, it is necessary to adopt the method of negotiation between the policyholder and the insurance company.

If you want to apply for insurance, you need to pay attention to the following points before applying for insurance:

1. When the owner of the vehicle loss insurance is insured, he or she needs to carefully understand the terms and conditions, focusing on the insurance liability, exclusions and special agreements, the rights and obligations of the insured, the calculation of the deductible or the deductible, the procedures for applying for compensation, and the provisions on surrender and depreciation.

2. When choosing a car insurance insurance channel, you should understand the content and credibility of the company's services, so as to have a suitable insurance channel, and it is undoubtedly very convenient to apply for vehicle loss insurance online.

3. The owner needs to consider it according to his own driving environment, and the owner should pay attention to the full amount of insurance when choosing the insurance grade.

Hello, the car damage insurance is about 2,000 yuan, and the theft insurance is about 300 yuan. Hope it helps!!

The car has been driven for 12 years, and the car damage insurance is a lot of money.

1.It depends on the car's **. If it is a 200,000 car, it should be in the 800-1000 range. Car damage insurance.

The calculation method is: **Basic rate * Rate coefficient = Base rate. Car damage insurance refers to a kind of commercial automobile insurance, in which the insured or his licensed driver has an insured accident while driving the insured vehicle, resulting in damage to the insured vehicle, and the insurance company will compensate within a reasonable range.

2.Explanation of Insurance Terms and Conditions (1) - Car Damage Insurance. The third party will first talk about the most important car damage insurance and three insurances. Car damage insurance and triple insurance are vehicle insurance.

Basic types of insurance.

3.It mainly compensates for the loss of the insured blind branch insurance vehicle and the loss caused to the third party by the insured vehicle in use! You probably think it's a natural disaster.

If the vehicle is lost, the insurance company will also pay for it! That's half right. Losses caused by natural disasters, with the exception of -**, are mostly compensated. God has a million-dollar car purchase subsidy.

Summary. Hello, dear. We're happy to answer your <>

The car damage insurance is 1,000 yuan a year, and the vehicle full insurance is about 4,000 yuan a year: 1. The compulsory traffic insurance is 950 yuan (must be purchased), and the car damage insurance is almost 1,000 yuan; 2. The third-party liability insurance can cover 50,000, 100,000 and 200,000 yuan, and 100,000 yuan is 600 yuan, and the theft insurance is more than 300; 3. The personnel on the car are calculated as 10,000 yuan per seat according to 5 seats, which is about 100 yuan, and the above items add up to 400 yuan without deductibles; 4. Spontaneous combustion insurance is 50 yuan, and glass damage alone is calculated as 100 yuan according to domestic glass; 5. Scratch insurance is 300 yuan, and these 3 are not deductible of more than 50 yuan. To sum up, a total of about 4,000 yuan.

How much is car damage insurance a year.

Hello, dear. We're happy to answer your <>

The car damage insurance is 1,000 yuan a year, and the vehicle full insurance is about 4,000 yuan a year: 1. The compulsory traffic insurance is 950 yuan (must be purchased), and the car damage insurance is almost 1,000 yuan; 2. The third-party liability insurance can cover 50,000, 100,000 and 200,000 yuan, and 100,000 yuan is 600 yuan, and the theft insurance is more than 300; 3. The personnel on the car are calculated as 10,000 yuan per seat according to 5 seats, which is about 100 yuan, and the above items add up to 400 yuan without deductibles; 4. The spontaneous combustion insurance is 50 yuan, and the damage of the potato glass alone is 100 yuan according to the domestic glass; 5. Scratch insurance is 300 yuan, and these 3 are not deductible of more than 50 yuan. To sum up, a total of about 4,000 yuan.

Car damage insurance refers to a kind of automobile commercial insurance in which the insured or its permitted driver is damaged due to an insured accident while driving the insured vehicle, and the insurance company will compensate within a reasonable range. Vehicle damage module insurance and third-party insurance are the basic insurance of vehicle insurance, which mainly compensates for the loss of the insured vehicle and the loss caused by the insured vehicle to a third party in use.

<> "How much is the car damage insurance of PICC car insurance.

1. How much is the car damage insurance of PICC car insurance.

The formula for calculating car damage insurance is as follows:

Vehicle damage insurance = basic premium + residual value of the vehicle New car purchase price * rate * preferential coefficient.

The calculation method of vehicle loss insurance is not complicated, in which the basic premium and rate are approved by the China Insurance Regulatory Commission, the vehicle purchase ** is determined according to the actual vehicle model, and the preferential coefficient is formulated by each insurance company according to the claim situation of the vehicle in the previous year and the insurance company's car insurance underwriting policy. As long as you understand these key factors, the calculation of vehicle damage insurance is very simple.

According to the statistics of Ping An Auto Insurance, 95% of car owners have purchased car damage insurance for their cars, and some good insurance institutions can also provide free roadside assistance 24 hours a day.

If it is fully insured, then it is calculated based on the purchase price of the new car, and if it is an old car, it is calculated according to the residual value price.

In fact, the maximum compensation amount of car damage insurance is the price of the new car, of course, the amount of compensation will not exceed your vehicle's own **.

And the purchase ** is the sum of the naked car price plus the purchase tax.

Therefore, its car damage insurance premium = basic premium + naked car *** % The basic premium is basically about 270 yuan.

Generally, the lower the age of the vehicle, the lower the base premium, of course, it is also related to the number of seats in the vehicle, the more seats the more the base premium.

However, in general, the amount of insurance will not exceed the value of the vehicle itself.

Second, the concept of car damage insurance.

Car travel insurance refers to a kind of automobile commercial insurance that the insured or its permitted driver compensates for the damage to the insured vehicle caused by an insured accident while driving the insured vehicle.

3. What is the scope of compensation for car damage insurance?

1. The insurer shall be responsible for compensation for the loss of the insured vehicle caused by the following reasons in the process of using the insured vehicle or its permitted drivers:

collision, overturning, falling;

Fire, **, spontaneous combustion;

Falling and collapsing of external objects;

storms, tornadoes;

lightning strikes, hailstorms, torrential rains, floods, tsunamis;

ground subsidence, ice subsidence, cliff avalanche, avalanche, debris flow, landslide;

Natural disasters on ferries carrying insured vehicles (only for those who are cared for by a driver).

2. In the event of an insured accident, the necessary and reasonable rescue expenses paid by the insured to prevent or reduce the loss of the insured vehicle shall be borne by the insurer, and the maximum amount shall not exceed the amount of the insured amount.

5 blocks 950 yuan, 6-8 seats 1100 yuan second year: 5 blocks 855 yuan, 6-8 blocks 990 yuan third year: 5 blocks 760 yuan, 6-8 blocks 880 yuan fourth year:

5 blocks 665 yuan, 6-8 blocks 770 yuan The fifth year: 5 blocks 665 yuan, 6-8 seats 770 yuan or more premiums, related to insurance, insurance, transfer, any one of them changes, then the premium will also change. 2. Commercial auto insurance:

For new car insurance, if you choose the insurance amount of the three insurance 2 million + car damage insurance 10,000 + the seat insurance of the people on the car 10,000: the third party liability insurance: 2 million the insurance amount, ** is the yuan car damage insurance:

175498.6 yuan sum insured, ** is 23707 yuan on-board personnel liability insurance (driver):

10,000 sum insured, ** is 2127 yuan on-board personnel liability insurance (passengers): 10,000 * 4 insurance amount, ** is 53

99 yuan. Hello, PICC car insurance does not consider the previous year's insurance, the compulsory traffic insurance is 950 yuan, and the authority is about 5000.

5 855 yuan, 6-8 990 yuan, the third year: 5 760 yuan, 6-8 880 yuan, the fourth year: 5 665 yuan, 6-8 old hall 770 yuan, the fifth year:

The premium of 665 yuan for 5 seats and 770 yuan for 6-8 seats is related to insurance, insurance and transfer, and if any one of them changes, the premium will also change. 2. Commercial auto insurance: insurance for new cars, in the case of insurance coverage of 2 million + car damage insurance + 10,000 yuan of seat insurance for people on the car

Third-party liability insurance: 2 million insured, ** is yuan car damage insurance: 175498

6 yuan sum insured, ** is 23707 yuan on-board personnel liability insurance (driver): 10,000 insurance amount, ** is 21

27 yuan on-board personnel liability insurance (passengers): 10,000 * 4 insurance amount, ** is 5399 yuan.

What about the first insurance for a used car?

The compulsory traffic insurance is 950 yuan, and the full insurance is about 5,000 yuan.

Used cars are the same as new cars.

So expensive. Yes, you can consider buying only the three of them, 2500 is about the same.

Hello! If you buy car insurance for about 100,000 cars, in addition to compulsory traffic insurance, you should also consider three major types of insurance, including three liability insurance, car damage insurance, special insurance without deductible, and scratch insurance. As for how much it is, 100,000 yuan of cars to buy these types of insurance will cost about 4,000 yuan in the first year.

Specifically, for a 100,000 private car, the cost of the first year of compulsory traffic insurance should be 950 yuan, if it is not the first year of car insurance, then the premium is not fixed, will be based on 950 yuan for floating, the specific reference standard is the owner's previous year's insurance record, the maximum discount can reach 30%, of course, if frequent insurance, the premium will be **, ** The maximum range is also 30%. Three liability insurance, the premium of the three liability insurance has nothing to do with the price of the car, this is mainly based on the amount of insurance to calculate the premium, and this insurance amount is also determined by the owner himself, ranging from 50,000 to 1 million. This everyone has to consider the local compensation standard, calculated with 300,000 yuan of three liability insurance, the premium is about 1,000 yuan.

Car damage insurance is a commercial car insurance, car owners can buy according to their own choice, it is recommended that car owners can buy a car damage insurance for their own car, ** in about 1500 yuan. Of course, different insurance companies** are different, and consumers can choose freely. When buying car insurance, if you do not purchase deductible insurance, the owner needs to bear part of the loss after the vehicle is out of insurance, so you should be insured without deductible insurance, and its premium is generally 200 yuan a year.

There are also some new car owners, the newly bought car is easily scratched when parked in the community, we all know that it costs a lot of money to spray paint the car now, so you can buy a scratch insurance, 100,000 cars to buy scratch insurance premium is about 300.

Extended reading: [Insurance] How to buy boring, which is better, teach you to avoid these insurance"pits"

Summary. How much is car damage insurance a year for cars with less than 6 seats, 0-1 year car damage insurance basic premium 630, rate; 1-4 years car damage insurance base premium 594, rate.

6-10 seater car, 0-1 year car damage insurance basic premium 756, rate; 1-4 years car damage insurance base premium 713, rate.

How much is car damage insurance a year.

How much is car damage insurance for cars with less than 6 seats a year, and the basic premium of 0-1 year car damage hunger insurance is 630, which is included next to the rate; The basic premium of 1-4 years car damage insurance is 594, and the freight rate is rotten. 6-10 seater car, 0-1 year car damage insurance basic premium 756, rate; 1-4 years car damage insurance base premium 713, rate.

1) It is determined according to the purchase price of the new car of the insured motor vehicle at the time of insurance. The purchase price of the new car at the time of insurance shall be determined according to the market sales of the same type of new car (including vehicle purchase tax) signed in the insurance contract at the time of insurance, and it shall be stated in the insurance policy that if there is no market sale of the same type of new car**, it shall be determined by the policyholder and the insurer through negotiation. (2) It shall be determined according to the actual value of the insured motorized vehicle at the time of insurance.

The actual value of the insured motor vehicle at the time of insurance is determined based on the purchase price of the new vehicle at the time of insurance minus the amount of depreciation. The depreciation of the insured motor vehicle is calculated on a monthly basis, and the part less than one month is not depreciated. For example, the monthly depreciation rate of passenger cars with less than 9 seats is only accompanied, and the monthly depreciation rate of 10-seater passenger cars is based on the Qingshang passenger car, and the maximum depreciation amount does not exceed 80% of the purchase price of the new insured motor vehicle at the time of insurance.