Body scratch loss insurance for several years, body scratch insurance for several years

Scratch insurance is the full name of body scratch loss insurance, which is an additional insurance for car damage insurance.

There are scratches on the body, but there are no obvious collision marks, and you can't use car damage insurance to make a claim, so you need to use body scratch insurance.

Scratch insurance is the full name of body scratch loss insurance, when the insured vehicle has no obvious collision marks on the surface of the body paint scratched alone, the insurance company can be responsible for compensation according to the actual loss, scratch insurance is an additional insurance of car damage insurance, only under the premise of motor vehicle loss insurance can be insured scratch insurance, can not be insured separately.

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, 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.

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.

Therefore, car owners need to combine many factors to decide whether to buy scratch insurance, and it is not just about figuring out how much the vehicle scratch insurance is.

How much is car scratch insurance generally a year.

Generally, you can only insure a car that is less than two years old. First of all, it is certain that body scratch insurance has a limit on the age of the vehicle, mainly to prevent moral hazard. A person from a property insurance company said that the company's body scratch insurance only covers vehicles within 3 years, and generally does not sell body scratch insurance for vehicles that are more than 3 years old; Another property insurance company also said that body scratch insurance is indeed not something that can be bought if you want to, and only new cars within 3 years are easy to buy body scratch insurance.

Scratch insurance is an add-on to the vehicle damage insurance, which means that it can only be insured if the vehicle damage insurance is insured, and cannot be insured separately. Moreover, the number of accidents for scratch insurance is included in the total number of accidents in the current year. There is no limit to the number of times in the annual policy, and the amount of compensation cannot exceed the limit of the sum insured.

Although scratch insurance is good, it is not possible to insure under any circumstances, because scratch insurance is simple to handle, moral hazard is large, and the loss ratio is high, which is a loss-making insurance. At present, many insurance companies stipulate that cars that are more than two years old can no longer be insured for body scratches. The general reimbursement amount is about 2,000 yuan to 5,000 yuan, that is, the odds of vehicle scratches are between 15% and 20%.

Another point to note is that there is a limit to the insurance time of car scratch insurance, and car scratch insurance can generally only cover the age of the car for less than two years.

Body Scratch Damage Insurance Clause "Motor vehicles insured with motor vehicle damage insurance can be insured with this additional insurance.

First, 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 losses caused by intentional acts.

Article 3 The insurance amount 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 Handling (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.

At present, most of our domestic insurance companies are only insured for 3 years for the scratch insurance of vehicles, and more than 200,000 medium and high-level car insurance for 5 years, basically more than 5 years of car insurance few insurance companies.

Generally, you can only insure a car that is less than two years old. Each insurance company has different requirements for the number of years that can be insured.

Legal Analysis: Insurance companies have restrictions on annual vehicle insurance. At present, PICC stipulates that only new cars within 1-2 years can purchase scratch insurance; Pacific stipulates that the age of the vehicle insured by scratch insurance cannot exceed 5 years; Dadi stipulates that the age of the vehicle bridge shall not exceed three years.

Restrictions vary from insurance company to insurance company.

Legal basis: Insurance Law of the People's Republic of China

Article 10 An insurance contract is an agreement between the policyholder and the insurer on 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.

Article 11 The conclusion of an insurance contract shall be made through consensus and the rights and obligations of all parties shall be determined in accordance with the principle of fairness.

Except for those required by laws and administrative regulations, insurance contracts are voluntarily established to resist interference.

This mainly depends on the value of your car. Ping An Auto Insurance can insure this kind of additional insurance for the first 3 years of the purchase of a new car, and this insurance can be purchased. If the vehicle is relatively luxurious, the insurance time can be appropriately expanded, generally within 5 years.

Because when this period is exceeded, it is relatively troublesome to obtain evidence, which will also cause dissatisfaction among many customers, in order to avoid this situation, Ping An Auto Insurance has set a time to be able to open the insurance. However, in addition to considering how many years the scratch insurance can be bought, one of the issues that need to be considered is the number of accidents. For new cars, scratch insurance is generally insured.

However, if some car owners have been insured too many times, then Ping An car insurance may be denied. The reason for this is to prevent some car owners from driving recklessly while driving, relying on their own scratch insurance. With a limit on the number of times, scratch insurance can not only prevent accidents, but also increase the safety awareness of car owners.

Scratch insurance is an additional insurance, and as an additional insurance, it is necessary to meet certain conditions of the mountain bridge. Although the rider is a little less important than the main insurance, it is more practical than the main insurance. No matter how many years you can buy scratch insurance, as long as Ping An Auto Insurance is still willing to insure this project, then you had better insure such an additional insurance, which does not cost much and is very available.

Article 11 of the Insurance Law of the People's Republic of China stipulates that when concluding an insurance contract, consensus shall be reached through consultation, and the rights and obligations of all parties shall be determined in accordance with the principle of fairness and early violence.

Except where laws and administrative regulations stipulate that insurance is mandatory, insurance contracts are concluded voluntarily.

However, in addition to considering how many years the scratch insurance can be bought early, one of the issues that needs to be considered is the number of accidents. For new cars, scratch insurance is generally insured. However, if some car owners have been insured too many times, then Ping An car insurance may be denied.

The Vehicle Scratch Damage 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.

During the insurance period of Ranxiang, if the paint on the surface of the insured vehicle without obvious collision marks is scratched separately, the insurer shall be responsible for compensation according to the actual loss in accordance with the provisions of this contract.

Insurance Liability:

The insurance company is responsible for compensation, and there are no obvious collision marks on scratches, such as: the vehicle is parked in the community, and the child naughtily scratches the body paint with a sharp object, in this case, if the insurance is insured, you can get a claim. If the vehicle is scratched due to an accident while driving, it is covered by the vehicle damage insurance.

Exclusion of Liability:

Losses caused by the intentional acts of the insured and his or her family members, the driver and his or her family members.

Sum Insured:

The insurance amount 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.

Compensation Processing:

1) Compensation shall be calculated according to the actual repair cost within the insured amount.

2) 15% of the compensation is waived for each indemnity section.

3) During the insurance period, if the accumulated compensation amount reaches the insured amount, the insurance liability of this additional insurance shall be terminated.

Exclusion of Liability:

1) Losses caused by the intentional acts of the insured and his family members, the driver and his family members.

2) The loss of the insured vehicle caused by a civil or economic dispute between another person and the insured or his family members;

3) The loss of natural aging and damage to the surface of the body.