-
Anonymous users2024-02-06Common additional insurances mainly include scratch insurance, glass breakage insurance, spontaneous combustion insurance and special engine loss insurance. Scratch insurance is generally only available to new cars that are less than three years old, which is quite practical, but the premium is not low, and the owner can decide for himself according to the actual use of the car. Glass insurance is worth recommending, because 35% of the area of the whole car is glass, and it is not uncommon for the glass to be injured by stones while driving, and the ** of the car glass itself is not bottom, so it can be on it.
As for spontaneous combustion insurance, I don't think it means much for new cars, after all, spontaneous combustion is rare for new cars. The engine special loss insurance is what we often call wading insurance, as long as the owner does not take risks, it is almost useless.
-
Anonymous users2024-02-05Whether you want to buy or not depends on the situation!
Full car theft insuranceIt is the main insurance in commercial auto insurance, whileSpontaneous combustion loss insuranceGlass breakage insuranceThey are all additional insurance, and the additional insurance is essentially a supplement to the main insurance of car insurance, that is, to make up for the shortcomings of the main insurance in terms of coverage. Both the main insurance and the rider are under the category of commercial insurance in the car insuranceWhat types of car insurance are included, and what are the corresponding functions, I have made a summary, you can save for your own use: what are the types of car insurance?
Do you want to buy them all?
1. Whole car theft rescue
The stipulation isOnly the whole carInStolen more than 60 daysYou can't get a claim until later, so generally speaking, if the value of the car is not very high, or if it is not often parked on the side of the road, you can not buy it.
2. Spontaneous combustion loss insurance
Most of today's cars are of good quality, and generally speaking, there will be no spontaneous combustion, and if there is spontaneous combustion, you should find the manufacturer to claim compensation as soon as possible. Therefore, for a new car, it is not necessary to buy, but forAn old car that is more than 5 years oldYou need to buy it.
3. Glass breakage insurance
OnlyFront and rear windshieldswithWindow glassIf the headlights, mirrors, and sunroof are damaged, they will not be compensated. Therefore, if the value of the car is not high, you can also choose not to buy, if the car is seven or eight hundred thousand, or even millions, it is still recommended to buy!
Of course, there is more to the riders than just the three mentioned aboveI have made a summary of some types of add-ons and whether you need to buy them, you can take a look here: There are so many add-ons for car insurance, which ones are necessary to buy? Hope!
-
Anonymous users2024-02-04Because you didn't say the specific situation and the vehicle, I will temporarily calculate it according to the 5-seater new car for a family of 300,000 yuan: compulsory traffic insurance: accidents between the two parties, compensation for each other.
The state compulsorily buys 950 vehicles and vessels tax 360); Vehicle Damage Insurance: The loss of one's own vehicle. (Sum Insured 300,000, Premium 4343); Third Party Liability Insurance:
Accidents between the two parties, the liability of the car, and the compensation above the limit of the compulsory traffic insurance. (Sum Insured 200,000, Premium 1182); Theft Insurance: Reasonable repair of damaged parts on the vehicle after the vehicle has been stolen or robbed.
tires do not count, 1035); Scratch Insurance: Scratches on the car body. (used for less than 2 years, the sum insured is 2,000, and the premium is 585); Glass breakage insurance alone:
Broken glass, excluding sunroofs. (Sunroof is a car damage insurance, 570); Deductible: After an accident, the insurance company will compensate according to the deductible amount of the insured insurance.
If all of the above items are insured according to the above amount. ps: This is the direct sales of PICC, if you use electricity (that is, **marketing, new insurance), it will be much cheaper, and if there is no insurance in the first year, the amount in the second year will also be discounted.
Since the specific situation you wrote is not very clear, it can only be estimated, because the situation may vary from place to place, so it is recommended that you consult the insurance company first. View the original post
Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"
-
Anonymous users2024-02-03Whether or not to purchase full car theft insurance varies from person to person.
The insurance liability of the motor vehicle theft insurance is the loss of the vehicle caused by the theft, robbery or robbery of the whole vehicle, as well as the reasonable expenses of repairing the damage caused by the theft, robbery and robbery or the loss of parts and accessories on the vehicle.
Whether to buy a full car theft insurance, you can comprehensively consider your own economic strength, the security of the surrounding environment, the newness of the vehicle and the value of many factors. For example, in areas with poor security, the chance of vehicle robbery and theft will also increase. Insure your car with "theft protection" so that even if your car is stolen, you can minimize your financial losses through insurance claims.
-
Anonymous users2024-02-02Hello, I recommend you to buy, because I see a lot of glass to break small stones, China's roads are really not very good, there are many car owners who have to repair at their own expense without buying. If you buy a theft insurance car, you are not afraid to park it, and there is an insurance company if you steal it. Hope it helps.
If you have a problem with the car, ask the car master. 4S shop professional technician, 10 minutes to solve. 】
-
Anonymous users2024-02-01It is necessary to buy glass insurance, theft insurance to see if you usually have a parking space, it is generally useless, my car did not buy theft insurance [There is a problem with the car, ask the car master. 4S shop professional technician, 10 minutes to solve. 】
-
Anonymous users2024-01-31Hello! If you are a newbie, you can only buy it for the first time, and you don't need to buy it after that. It is recommended not to buy. If you have a problem with the car, ask the car master. 4S shop professional technician, 10 minutes to solve. 】
If I have car damage but I don't buy windshield insurance, will the insurance company pay for it? Is it necessary to buy it at all?
Health insurance refers to the insurance company that passesSickness insurance, medical insurance, disability income loss insurance, long-term care insurance, etc., which pays insurance benefits for expenses or losses incurred in the event of injury to the insured person due to health reasons. People who don't know enough about this kind of insurance knowledge can also take a look at this insurance science:Ultra-complete! >>>More
I think it is very necessary to buy health insurance for children, especially children's critical illness insurance, because one thing that impresses me particularly is that the neighbor's child, who is already in the fifth grade of primary school, has been treated in the hospital for a long time because of a serious illness, the child's mother cries every day, the whole family is exhausted, in order to treat the child, the family's car and house are sold, but in the end the child is still not saved, because I have been sad for a long time, it is really unpredictable. So based on this matter, I bought a children's critical illness insurance for my child in Ping An Good Life Insurance**, the applicable age is from full month to 18 years old, covering 30 common critical illnesses, with a maximum insurance amount of 500,000, which is responsible for the child and also gives the family a guarantee, of course, I hope my child has been healthy. You can ask me for advice, and if you don't understand, you can continue to ask.
For people of any age, health protection is an important part that cannot be ignored, especially for the prevention of diseases, and comprehensive preparation is required. Children are often expected by the whole family for the future, and all aspects are of concern to parents, so it is necessary for children to buy critical illness insurance. Especially for preschool children, who are still young and their immunity to diseases has not yet developed, in addition to the basic protection of medical insurance, the importance of critical illness insurance is self-evident for more comprehensive protection against health and disease. >>>More
Let's talk about medical insurance first, medical insurance is only a national welfare, the reimbursement amount is limited, and the out-of-pocket ratio is also high. >>>More