After the power battery is included in the three guarantees , is it necessary to buy spontaneous co

There is no need for this, because the three packs have been included due to quality problems, if you are not at ease, you can also buy it, after all, the battery is now naturally frequent. From the category of spontaneous combustion insurance, it is a quality problem. The premium of spontaneous combustion insurance is not high, and many owners of traditional fuel vehicles with older vehicles choose to buy it to protect their own related interests.

For new energy vehicles, but if the vehicle has exceeded the time period of the three-guarantee policy, then spontaneous combustion insurance has become very necessary.

The spontaneous combustion insurance of the vehicle refers to the spontaneous combustion caused by the circuit and other problems during the use of the vehicle during the insurance period, and the insurance company will give corresponding compensation, mainly for the engine of the traditional fuel vehicle; For new energy vehicles, as long as it is within the scope of the three guarantees or within the warranty period promised by the manufacturer, if the vehicle spontaneous combustion is caused by the quality of the power battery, the car company must be responsible for it.

Spontaneous combustion insurance is mainly for the quality of the car itself and spontaneous combustion, so as to launch a vehicle insurance, if it is a single quality problem, then she is actually in conflict with the vehicle three packs, so from the quality of the power battery if the spontaneous combustion is printed, then there is no need to buy this spontaneous combustion insurance, because the power battery is included in the three packs of problems, as long as it is not a human problem that causes damage to spontaneous combustion, then it must belong to the scope of the three packs.

This is to apply for quality claims and three guarantees, from the perspective of laws and regulations, as long as the three guarantees of the vehicle are caused by quality problems, and exclude their own human factors, then for dealers and manufacturers must bear the liability for compensation, of course, if it is not in the warranty period, it is necessary to invest in this kind of spontaneous combustion insurance to ensure safety.

That is to say, in the case of non-man-made, as long as there is a problem with the quality of the battery pack that causes spontaneous combustion, even if there is no spontaneous combustion insurance, you can find the corresponding car company to claim compensation.

For new energy vehicles, as long as it is within the scope of the three guarantees or within the warranty period promised by the manufacturer, if the vehicle spontaneous combustion is caused by the quality of the power battery, the car company must be responsible for it, which has nothing to do with whether you buy spontaneous combustion insurance.

After the power battery is included in the "three guarantees", it is necessary to buy spontaneous combustion insurance.

There is no need, the three packs are still very comprehensive.

I don't think it's necessary to buy spontaneous combustion insurance.

I think it's still necessary to buy spontaneous combustion insurance.

It's necessary, because the technology isn't perfect yet.

Depending on your own needs, it is better to buy it, and the spontaneous combustion of the battery is still a very devastating blow.

You still need to buy it, and you'll know when something happens.

It is necessary, after all, there is a contingency in everything.

Hello! In order to help car owners pass on the economic risks that may be brought about by driving their cars while they are away from home, it is necessary to get a suitable car insurance for their cars as soon as possible.

What information is required to purchase car insurance

If you apply online, you don't need to prepare any documents, you just need to fill in your personal details in the car insurance section, and then get the car insurance** of the major car insurance companies, and choose from them. Different vehicles and different protection needs require different protection plans, and the following are some common insurance solutions recommended for you:

Reassuring compulsory traffic insurance + commercial three liability insurance (200,000 yuan) + car damage insurance + vehicle personnel liability insurance (10,000 yuan) + spontaneous combustion insurance + excluding deductible special contract.

About 60% of car owners choose this type of combination. It is suitable for vehicles parked in parking places with long-term fixed personnel guarding, and also suitable for car owners who have a certain driving experience and are willing to bear part of the risks themselves.

If you choose this insurance plan, the advantage is that in the case of the owner has a certain sense of risk, you can bear some of the avoidable risks to reduce the insurance premium expenditure, for the car owner with such a risk avoidance ability, this is also an affordable insurance program. The cost of this insurance package is about $5,700.

The economic type only buys compulsory traffic insurance, and the insurance premium is 950 yuan. Compulsory traffic insurance only pays for the third party (the injured party) in the accident, and you need to bear the damage or other losses of your own car. About 5% of car owners choose this type of combination.

If you choose this insurance plan, you can only get the protection of the itemized compensation limit of the compulsory traffic insurance, of which the maximum compensation for personnel is 110,000 yuan, hospitalization is 10,000 yuan, and property loss is 2,000 yuan. Because a large number of traffic accidents generally only involve vehicle or property damage, and the sub-compensation limit of compulsory traffic insurance is only 2,000 yuan, and the compensation limit is only 100 yuan when the owner is not responsible, such a low compensation limit is far from enough for traffic accidents involving vehicle or property damage, therefore, insurance experts generally do not recommend choosing this item.

The information required to answer the new car insurance includes: car purchase invoice, vehicle registration certificate or certificate, if it is an individual insurance, it is also necessary to provide a valid personal identity document, if it is an enterprise insurance, it is necessary to provide an organizational certificate.

Compulsory traffic insurance is a car insurance that is mandatory for the state to purchase, which can be used to protect the rights and interests of traffic accident victims (excluding the vehicle personnel and the insured). When we have a traffic accident, the compulsory traffic insurance is responsible for paying the other party's death and disability, medical expenses and property damage expenses.

If you want to know more about compulsory liability insurance, you can check out this article:

Everything you want to know is here!

If you are caught by the traffic police and do not buy it, you will detain the car, be fined double the premium, and you must buy it immediately before you can get back on the road. In addition, the new car is not given to the household, and the annual inspection cannot be passed.

In fact, commercial auto insurance, except for compulsory traffic insurance, can be purchased voluntarily. However, in commercial auto insurance, there are three types of insurance that are recommended because of their high practicality.

They are three-party insurance, car damage insurance, and deductible insurance. Let me give you an overview of them:

1.All three

The three types of insurance can be understood as a supplement to the compulsory traffic insurance in terms of the amount insured. Now there are so many luxury cars on the road, in case of a traffic accident, the compulsory traffic insurance is definitely not enough. Therefore, it is recommended that the three insurances must be purchased, and the insurance amount should exceed 1 million.

For more information about the three insurances, please see this article:

【Third Party Liability Insurance】Everything you want to know is here!

2.Car damage insurance

Car damage insurance can cover the loss of our own car, in addition, in case of falling objects, accidents, etc., car damage insurance can also help us pay.

It is inevitable that there will be bumps and bumps after driving on the road for a long time, so car damage insurance is a very important car insurance, which is basically a must-buy.

3.Deductible not included

Deductible insurance is not a primary insurance, but an add-on insurance.

Whether it is three-party insurance or car damage insurance, unless we are not responsible in the event of a traffic accident, both types of insurance have certain deductible odds. And if we buy deductible insurance, we can also waive this part of the deductible, and we don't need to pay for it ourselves. Therefore, it is recommended to purchase deductible insurance.

The first is critical illness insurance, 500,000 insurance for life, more than 3,000 a year The second is million medical insurance, more than 200 per year, 3 million sum insured The third accident insurance 500,000 sum insured more than 100 yuan per year The fourth is life insurance, 500,000 sum insured for a fixed term, five or six hundred a year, unfortunately death, this money can support parents and children.

Compulsory traffic insuranceCompulsory traffic insurance is a compulsory insurance in China, and all vehicles must purchase a type of insurance. In the event of a traffic accident, the insurance company can only accompany the party who was hit, which means that the conditions for compensation are limited. At the same time, if you do not buy compulsory traffic insurance, then the car will lose the qualification for annual inspection, therefore, it is not possible to buy compulsory traffic insurance.

Third Party Commercial Liability Insurance.

Most car owners will choose to insure compulsory traffic insurance and third-party insurance. Since the amount of compensation paid by the compulsory liability insurance is limited, the purchase of the third insurance can compensate for the excess of the compulsory liability insurance. Even in the unlikely event of an accident, you will be able to receive a reasonable amount of compensation.

Deductible not included

Compared with the first two, car insurance is a basic type of insurance with independence, and insurance without deductible is an additional type of additional insurance for cars. Its effect is that if you have an accident to compensate for the cost of 1000 yuan, the insurance company will normally compensate you for 80% of the loss of 800 yuan, if you buy the deductible insurance, then you will transfer the remaining 20% of the amount you want to compensate to the insurance company, that is, you can get 100% of the compensation. Therefore, it is also necessary to purchase this type of insurance.

Car damage insuranceCar damage insurance is undoubtedly a necessary insurance with the widest scope of claims, regardless of the car has been damaged, such as collision, scratches, water soaking, etc., you can get the insurance company's claim, and the amount of compensation ultimately depends on the cause of the incident, the degree of damage and many other conditions to judge.

The above 4 must be bought, and the others depend on the insurance situation of the previous year.

Compulsory traffic insurance, vehicle damage insurance, third-party liability insurance, and deductible insurance.

Compulsory insurance: Compulsory insurance is a mandatory purchase of car insurance, the car must be bought on the road, after the accident, mainly to the injured party. Including property damage up to 2,000 yuan, medical expenses up to 10,000 yuan, ** disability up to 110,000 yuan.

Vehicle Damage Insurance: Vehicle damage insurance is used to compensate for the cost of repairing your car. The more expensive the car, the higher its **. But the benefits are also obvious, whether it's hitting a utility pole or other traffic accidents, you can use it to repair your own vehicle.

Third Party Liability Insurance: Third Party Liability Insurance is very important, but it is important to note that the goal of this type of insurance is not our own. If we hit a pedestrian or hit other vehicles while driving, we all rely on third-party liability insurance to pay for it (it is recommended to buy 1 million insurance for three-liability insurance).

Deductible insurance: Deductible insurance is an additional insurance, which is generally purchased together with car damage insurance. You must know that there is a certain deductible in insurance, and you have to pay for an accident, but if you attach a deductible, you can ensure that you get full compensation.

Auto insurance is divided into compulsory traffic insurance and commercial insurance, compulsory traffic insurance is mandatory, the state stipulates that it must be bought, commercial insurance is voluntary, and it is generally purchased according to the following principles:

a] Veteran old car. Superb driving experience plus old cars, due to the risk to the third party can not be advanced in advance, commercial third party liability insurance must be purchased, but also to protect the risk of the driver and the passengers in the car to protect, the rest of the insurance can also be waived or choose to buy according to the specific situation.

b] veteran new car. Veteran driving skills are more superb, small accidents are not much, but from the relevant data, relatively large traffic accidents are often related to the old driver, so the insurance amount is relatively high three liability insurance, car damage insurance, car personnel liability insurance is best included in the insurance program, its rich experience in using the car (including driving and parking), so that the other risks of its vehicle are relatively low, theft, scratches, glass broken alone and other risks can be selected according to their specific circumstances.

c] new car for newbies. Novices driving a new car, the skills are definitely not skilled enough, and scratches are inevitable, so the first thing to choose is vehicle loss insurance. Body scratch insurance can make the vehicle be compensated for the loss of malicious or unintentional scratches by others.

The probability of a new car being stolen is high relative to an old car, and the whole car theft insurance must be included in the insurance plan of the new car. The probability of spontaneous combustion of a new car is relatively small, and the spontaneous combustion loss insurance can be ignored. Therefore, compulsory traffic insurance, car damage insurance, commercial third-party liability insurance, total vehicle theft insurance, vehicle personnel liability insurance, and scratch loss insurance contain most of the risks that may be encountered, and can basically form a relatively complete insurance plan.

v] Novice old car. The biggest risk for novices is that they are not skilled, and the performance of old cars is definitely not as good as that of new cars, and the possibility of injury to third parties is relatively large. Therefore, a relatively high amount of commercial three liability insurance is indispensable for the risk of vehicle self-loss, and it is best to choose insurance for car damage insurance; The aging of the vehicle increases the probability of spontaneous combustion of the vehicle, and it is necessary to purchase spontaneous combustion loss insurance; The risk to the occupants of the vehicle should also be guarded against.

For an old car, theft insurance and scratch insurance can be waived or reduced to purchase.

Compulsory traffic insurance is a new car, second-hand car must be purchased insurance, commercial insurance should be purchased according to the situation of their own car, in general, commercial insurance in the third party commercial liability insurance, car damage insurance, excluding deductible special insurance is the purchase of more types of insurance.

What is car insurance? Which ones are a must-buy.

Motor vehicle insurance, also known as "car insurance", is a kind of transportation insurance that takes the motor vehicle itself and its third-party liability as the subject of insurance. Its insurance customers are mainly corporate bodies and individuals with various motor vehicles; The subject matter of its insurance is mainly various types of automobiles, but it also includes special vehicles such as trams and battery cars, as well as motorcycles.