If you feel that the premium is too expensive to buy a full insurance plan, what are the must buy pr

Vehicle insurance must purchase third-party liability insurance, excluding deductible insurance, car damage insurance. Seat insurance. You can not buy wading insurance, theft insurance, glass insurance, etc.

1. Compulsory traffic insurance.

2. Car damage insurance.

3. Three (from 500,000).

4. Personnel on the car.

5. Deductible is not included.

6. A third party cannot be found.

How to buy car insurance to be reasonable? (A work of conscience).

Must purchase: compulsory traffic insurance, vehicle and vessel tax, commercial insurance minimum configuration:

1.Full amount of car damage insurance

2.Third-party liability insurance of 1 million

3.The deductible is not counted.

Compulsory traffic insurance]: When there is liability, the maximum compensation for the property loss of the three parties is 2,000 yuan, the maximum compensation for the medical expenses of the three parties is 10,000 yuan, and the maximum compensation for the death and disability of the three parties is 110,000 yuan. When there is no liability, the maximum compensation for the property loss of the three parties is 100 yuan, the maximum compensation for the medical expenses of the three parties is 1,000 yuan, and the maximum compensation for the death and disability of the three parties is 11,000 yuan.

In layman's terms: it is the car subsistence, and the problem cannot be solved if there is a real accident, but the regulations must be bought! ）

Car damage insurance]: If you drive into a railing or fence, you will be compensated by this insurance, and it is recommended to buy!

Third-party liability insurance]: If you hit a car or a person, you will be compensated by this insurance, and it is recommended to buy! [Liability insurance for people on the car]: It is to protect the people in the car, it is recommended to buy!

Whole car theft insurance]: The whole car is stolen and robbed, if it is only the things on the car that are lost, it is not compensated, there is no need to buy. (If you often go to other places and do not have GPS installed, you can consider buying).

Glass Breakage Insurance]: It is a single glass that is broken to rely on this insurance to compensate, if the glass and the car are damaged together, it is the compensation scope of the car damage insurance, so there is no need to buy. (Imported luxury car glass is expensive, you can consider buying).

Body scratch loss insurance]: The car was scratched twice for no reason, and the premium for the second year of your insurance has increased, and the repair cost is about the same as the increased premium, so it is not recommended to buy the general car. (Luxury cars are considered for purchase).

Engine wading loss insurance]: There is compensation for damage caused by the car driving on a flooded road, but it will not be compensated for starting again after the ignition is turned off, and there are few flooded places, even if it is flooded, it will not be driven at all. If you fall directly into the river, it is covered by car damage insurance.

So there is no need to buy.

Repair period cost compensation insurance]: The general accident car will be repaired in a few days, unless it is a major accident to repair for a few months, and the cost compensation for a major accident has no meaning, so there is no need to buy.

Motor vehicle loss insurance can not find a third-party special insurance]: The car was hit by someone else's and the owner of the other party was not found or hit and run, you can use this insurance, you can buy a peace of mind and the premium is not high, you can consider buying.

On-board cargo liability insurance]: must be purchased for commercial trucks.

Compulsory traffic insurance, commercial insurance: three (it is recommended to buy 1 million to compensate the other party, once there is a problem, even if the insurance company comes forward to sue, it is also the insurance company to respond to the lawsuit), car damage (to compensate for serious damage to their own vehicles), body scratches (to compensate for scratches on the surface of the body, generally hundreds of thousands of cars will not sell you scratch insurance after three years, for fear of more claims), broken glass (specially used to compensate for glass), wading (not recommended to buy if you do not run in the wild), car personnel (referred to as seat insurance, used to compensate the car rider due to vehicle problems, Damage in the car), excluding deductibles (exempt car owners from the commercial insurance claims to bear the part of the general 5%--20%), the probability of other types of insurance is too low, not one by one. Hope the above can help you.

Car insurance can be fully insured, but full coverage does not mean full compensation. Only the scope of responsibility of the purchased insurance can be claimed, and those that do not meet the coverage cannot be claimed.

There are two types of car insurance. One is compulsory traffic insurance, which is the insurance that we often have to buy. One is commercial insurance, which is to add a guarantee to a private car.

Commercial insurance is mainly divided into 3 main insurances and 11 additional insurances. The three main insurances include vehicle damage insurance, third-party liability insurance, and vehicle occupant liability insurance. The 11 additional insurances include additional absolute deductible exclusion insurance, body scratch insurance, additional wheel separate loss insurance, additional engine water damage exclusion special clauses, additional statutory holiday limit doubling insurance, additional new equipment loss insurance, additional repair period expense compensation insurance, additional vehicle cargo liability insurance, additional moral injury solatium liability insurance, additional medical expenses liability insurance outside medical insurance, and additional special terms for motor vehicle value-added services.

It should be noted that not all insurance companies launch car insurance full insurance is the same, there may be differences, and it does not mean that car insurance full insurance includes all car insurance types, so it is recommended that car owners do not blindly buy the so-called full insurance, and it is better to choose the right car insurance type according to their own needs.

"All insurance" usually includes most of the main insurance and a small part of the additional insurance, and the "full risk" mentioned between each salesman and insurance company does not necessarily include the same type of insurance and the amount is not necessarily the same. Therefore, when you buy "full insurance", you may not buy the type of insurance you need, you may not buy the amount you need, but you buy some insurance that you don't need. Therefore, there is no special need for all-inclusive insurance, so you don't need to buy it.

Extended information: 1: Compulsory traffic insurance: forced to buy, compensate others.

Compulsory traffic insurance** is not high, private cars with less than 6 seats are only 950 yuan a year. However, the amount of claims is also not high, and the compulsory traffic insurance can only compensate others, not themselves.

Therefore, we recommend that you should not only buy compulsory traffic insurance, but also some commercial insurance.

Make the car more secure.

2. Car damage insurance.

Pay for your car. The loss of your car due to traffic accidents and accidents is the responsibility of this insurance.

3: Three-party insurance: compensation for others.

The full name of the three insurances"Motor vehicle third-party liability insurance, accidentally hit someone else's car, are all responsible for this risky land.

4: Deductible is not included.

Fill the pit. When it comes to this type of insurance, Bi Sheng has to mention a concept, that is, free odds. In traffic accidents, commercial insurance, including the three insurances, will be divided according to the accident, and there is a certain deductible odds, with the lowest secondary liability (5%) and the highest full liability (20%).

The one who is responsible for not counting the free odds is to fill in the hole of the free odds.

5: Spontaneous combustion loss insurance.

In the process of using the vehicle, the insurance company shall compensate according to the contract due to the problems of the vehicle's electrical appliances, circuits, oil circuits, oil supply systems, gas supply systems, and the goods themselves, and the friction of motor vehicle operation.

6: Body scratch insuranceThe paint on the surface of the body is scratched separately, but there are no obvious collision marks, which is suitable for new cars and novice customers.

7: Full car theft rescue.

After taking out the whole car theft insurance, the insurance company will pay for the reasonable expenses of the whole car being stolen, robbed or snatched, resulting in loss or damage that needs to be repaired.

Operating environment: mobile phone model: Huawei Mate40 mobile phone version.

The so-called full insurance is not full insurance in the real sense, but it is composed of all the main insurance + several additional insurances, and there are too many additional insurances. If you are a new car, you should be sure of everything, that is, you should be insured if you are a novice driver. Vehicle loss insurance, third-party liability insurance, and vehicle personnel insurance, regardless of deductible, are best insured, and the compensation is a full compensation.

The whole car theft insurance, glass breakage insurance, body scratch insurance, headlights, reversing mirror damage insurance, depending on the specific situation to choose, the meaning can be understood literally. There is also an additional insurance called the choice of special repair factory special insurance, it is recommended that the car is insured, and after the accident, you can independently choose a repair shop with the qualification of Bao Nai to answer the chaos vehicle repair for repair. That is, you can choose a 4S store.

It is cost-effective to buy full coverage for car insurance.

Purchase principle: Principle 1: Priority to purchase sufficient third-party liability insurance;

Principle 2: After buying enough car personnel insurance, then purchase car damage insurance;

Principle 3: Purchase deductible insurance for third-party insurance, driver's passenger seat liability insurance, and vehicle damage insurance;

The original Mark's Oak Rule 4: Other types of insurance (theft insurance, glass, spontaneous combustion, scratch insurance) are purchased in combination with their own needs.

The new car is fully cautious and sensitive to the situation: must be insured (the following types of insurance are not included) car damage + three (at least 30w, depending on the region: Shanghai, Shenzhen, Beijing can be increased to 50w 100w) + vehicle personnel liability insurance + each type of insurance is not deductible.

The new car is about 20w, and the robbery is about 800. Glass Breakage Insurance: If you are worried about glass breakage alone, it can be insured.

Spontaneous Combustion Loss Insurance: Insurable with a higher risk of spontaneous combustion in the first year. Scratch Insurance:

If you have a new car, you should have a full insurance, but if you don't think it's cost-effective, some additional insurance can not be insured, but commercial third-party insurance recommends that you insure 300,000 yuan!