How much is glass insurance and how to claim glass insurance

Glass Breakage Insurance Premium = New Car Purchase Price * Rate,The rate table is as follows:

Attentive students will find out,There are two types of glass insurance: domestic glass and imported glass. The premium will be different for different types of glass.

For example, the glass insurance rate of insurance company A is:The rate for domestic glass is, and the rate for imported glass is.

Taking a family car with less than 6 seats as an example (the car glass is all domestically produced), the purchase price of the new car is about 6 70,000 yuan, and the purchase price is multiplied by the rateThe ** of glass insurance is about 130 yuan.

Normally, the insurance company's billing system will distinguish whether it is domestic or imported based on the actual underwriting of car insurance. But we need to check to avoid mistakes (which lead to later claim disputes).

In addition, before you buy glass insurance, you should pay attention to a few points, otherwise you will suffer a loss when you buy it, and you may fail to make a claim if you have an insurance!

1. Applicable people of glass insurance

Glass insurance is not suitable for all people, it is most suitable for the following groups:

1) High-end cars (the kind that a windshield is worth hundreds of thousands);

2) Novice: driving skills are not skilled enough, and traffic accidents are prone to occur.

3) Frequently run at high speeds, or often drive on mountain roads;

4) Outdoor open-air parking or poor public security environment;

If yoursThe car is often parked in the parking lot, or the security situation is better near the place of residenceThen there is no need to buy this insurance at all.

If you are one of the above people, or live in the above mentioned area, then you have to buy glass insurance. But be careful when buying.

2. Coverage of glass breakage insurance

According to the provisions of the National Model Clauses for Comprehensive Commercial Insurance of Motor Vehicles of the Insurance Association of China, the protection responsibilities of glass breakage insurance are as follows:

During the insurance period, if the windshield or window glass of the insured motor vehicle is broken separately, the insurer shall compensate according to the actual amount of loss.

Therefore, if the glass of your car (windshield or window glass) is broken, the insurance company will definitely compensate you, because this insurance, like all insurance, has an exclusion clause.

That's it"Glass broken separately during the installation and maintenance of motor vehicles"., the insurance company does not pay compensation, you need to pay attention.

What are the types of car insurance? Do you want to buy them all? 》

Xueba said the official website of insurance

Hello! Generally, you can only buy this insurance if you have enough car damage insurance, and you can't buy it alone!

The full name of glass insurance is glass breakage insurance, it is an additional type of car damage insurance, the specific cost depends on whether your car glass is imported or domestic, imported is generally more expensive than domestic!

You can use the car insurance calculator yourself.

Do the math! It is recommended that you go to the insurance company to make a decision according to the specific situation of your car!

Glass insurance can be claimed as follows:

1. If the windshield or window glass of the vehicle is broken alone, report to the insurance company;

2. Submit maintenance invoices and other claim materials as required, and wait for the insurance company to review;

3. After approval, the insurance company will pay the insurance money according to the contract.

Glass insurance is commercial auto insurance.

one. At present, the glass is broken separately and is included in the car damage insurance.

Middle. After insurance, it can protect the car glass that is broken during the use of the insured vehicle. The "glass" of this risk generally refers to the front and rear windshields and side windows, and does not include headlights, mirror glass, sunroof glass, etc.

After applying for insurance, if the glass of the insured vehicle is broken during the insurance period, you should apply to the insurance company for reporting the accident as soon as possible, operate according to the guidance of the insurance company's staff, and prepare the corresponding claim materials. After the insurance company conducts an investigation and review, the insurance money can be credited to the account.

After finding that the window glass of your car is broken, immediately call the insurance company to report the insurance, and after the insurance company staff verifies on the spot, if it is within the scope of compensation, the insurance company will compensate you in full for the actual loss.

Glass insurance includes window glass and windshield, so the front windshield is also glass insurance, and the process is the same, but the lamp glass and mirror glass are not covered by glass insurance and cannot be compensated.

Article 1 Scope of Insurance.

This insurance is an add-on to the vehicle damage insurance, and only vehicles that have been insured with vehicle damage insurance can take out this additional insurance.

Article 2 Insurance Liability.

During the insurance period, if the windshield or window glass of the insured vehicle is broken separately during the use of the insured vehicle, the insurer shall compensate according to the actual loss.

On the basis of consultation with the insurer, the policyholder voluntarily chooses to insure according to the imported or domestic glass, and the insurer bears the corresponding insurance liability according to its choice.

The premium for glass insurance** is based on the vehicleThe purchase price of a new vehicleand the insuredTypes of glassThe premium calculated by the corresponding rate.

How much does a one-year glass insurance cost? The senior sister has calculated the premiums of glass insurance and other types of car insurance, and the car owners are poking quickly: buy too much and waste, and buy less and suffer a loss! How much does it cost to buy car insurance a year?

1.Premiums for glass breakage insurance alone

The cost of glass shatter insurance is related to the vehicle's **.

Glass Breakage Insurance** = New Car Purchase Price * Rate。The rates are as follows:

For example: a domestic economic family car, set the car glass is domestic, the purchase price of the new car is about 100,000, the purchase price is multiplied by the rate, and the glass insurance is about 190 yuan. The cost is not high, but because the condition of the vehicle is different, whether it is chicken or not varies from car to car.

2.Which cars need glass insurance?

The value of the vehicle is as high as that of a luxury car or a niche carOwners of this type of "vehicle to zero ratio" can consider insurance. Because the maintenance ** is relatively high, one more additional insurance and one more protection can reduce personal losses.

Vehicles often take the highway, vehicles are often parked inOpen-air parkingOrThe parking area is not safeof car owners are advised to take out insurance.

New car or carValuables have been kept for a long time, car owners who are easy to be targeted should be insured.

The configuration scheme of car insurance is not certain, and the car owner can choose according to the needs and needs of the car. What other types of insurance are necessary for car owners? Space is limited, senior sister is written in this article, welcome to pick it up:

1. If the insurance is insured according to the rate of imported glass, the insurance company will compensate according to the rate of imported glass, and if the insurance rate of domestic glass is selected, the insurance company will compensate according to the rate of domestic glass.

2. Glass insurance, that is, the insurance company is responsible for compensating for the loss of broken glass of the insured vehicle during the use of the vehicle. Broken glass refers to the situation in which only the windshield and window glass (excluding the headlights and mirror glass) of the insured vehicle are damaged.

3. Glass insurance is an additional insurance to vehicle loss insurance, and only vehicles that have been insured with vehicle loss insurance can be insured with this additional insurance.

Note]: The insurance company usually pays for the actual loss of broken glass, and does not need to determine the insurance amount when applying for insurance, but it is necessary to determine whether it is insured according to domestic or imported glass, so as to determine what kind of glass compensation is made when making a claim.

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

1. Case filing and investigation: After receiving the notice of the accident, the insurer shall immediately send someone to conduct an on-site investigation to understand the loss and its causes, check the insurance policy, and register the case;

2. Review of certificates and materials: The insurer shall review the relevant certificates and materials provided by the policyholder, the insured or the beneficiary to determine whether the insurance contract is valid, whether the insurance period has expired, whether the loss is the insured property, whether the claimant has the right to claim compensation, and whether the place where the accident occurred is within the scope of insurance, etc.;

3. Verification of insurance liability: After receiving the request for compensation or payment of insurance money from the insured or beneficiary, the insurer shall promptly make an assessment of whether it should bear the insurance liability and how much responsibility it should bear, and notify the insured or beneficiary of the verification result;

4. Fulfillment of compensation obligations: On the basis of the verification of liability, the insurer shall perform the obligation of compensation or payment of insurance money within 10 days after reaching an agreement with the insured or beneficiary on compensation or payment of insurance amount. If the insurance contract only stipulates the amount of insurance and the period of compensation or payment, the insurer shall perform the obligation of compensation or payment of insurance money in accordance with the agreement of the insurance contract.

Millions of car purchase subsidies.

Separate glass breakage insurance means that during the parking and normal use of the insured vehicle, the other part of the orange reed is not damaged and the round bridge is damaged, and only the windshield or window glass is damaged separately, and the insurance company voluntarily compensates for the actual loss, excluding the damage of the headlights and mirror glass.