How to compensate for theft insurance without deductible

There is a certain deductible for the whole car theft insurance, that is to say, the insurance company needs to compensate according to the deductible of the accident, but if the owner purchases the theft insurance without deductible, the risk of vehicle theft can be completely transferred to the insurance company. If a theft insurance is added, the deductible is not included. Then, in the unfortunate event of an insured event, the insurance company will pay 100% of the benefits.

According to the provisions of the theft insurance contract, when the insured vehicle has a specified insured accident, if the owner does not have the deductible insurance for theft insurance, a certain absolute deductible shall be deducted when making insurance compensation.

In addition, after the insured vehicle is stolen, robbed or snatched, if the insured cannot provide the motor vehicle registration certificate, motor vehicle driving license, vehicle purchase invoice and other proof of motor vehicle origin, vehicle acquisition tax payment certificate or tax exemption certificate, the absolute free odds will be increased; If the insured vehicle is stolen and the original set of car keys is missing, the absolute deductible odds will also be added.

The amount of theft insurance claims without deductible is based on the actual amount of loss caused by car theft and robbery. Under normal circumstances, in the event of theft of the insured vehicle, the owner should contact the insurance company as soon as possible to report the case, confirm the relevant matters and apply for compensation.

In the event of a theft or robbery, keep all the belongings, such as the full set of keys to the vehicle, so that you can get a normal claim. Conversely, if the key is missing, the insurance company's exclusive odds will increase, and the car owner will be able to receive a corresponding reduction in claims. Of course, because of the theft insurance, the car owner deliberately does it is not within the scope of the claim.

If the car is stolen, there will be a 20% waiver.

1. The deductible special insurance can be "special" main insurance and other additional insurance types, and the deductible of each insurance type needs to be calculated separately, and then summarized and added to finally obtain the total cost of the deductible special insurance;

2. Different insurance companies have different insurance rates without deductible insurance, but most insurance companies have non-deductible insurance rates for third-party liability insurance, motor vehicle pure loss insurance, vehicle personnel liability insurance, body scratch insurance, etc., which are 15% of the purchase amount of each type of insurance, and the rate of non-deductible insurance for theft insurance is 20% of the purchase amount of this insurance;

3. Only on the basis of both vehicle loss insurance and third-party liability insurance can be insured without deductible insurance. The insurer shall be responsible for the compensation for the deductible calculated in accordance with the provisions of the basic insurance within the amount that meets the compensation requirements. In other words, after applying for this insurance, the insurance company will compensate for all losses incurred by the vehicle in terms of vehicle damage insurance and third-party liability insurance.

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