【Car owner's car knowledge]4S stores generally recommend that new car owners buy "full insurance", but full insurance does not mean full insurance. Should you buy spontaneous combustion insurance? Buy insurance in the second year, and enjoy discounts according to the accident situation, but phone insurance seems to be cheaper, whether to renew or buy insurance Replacement of insurance? The car has already begun to depreciate in the third year. What problems should I pay attention to when buying insurance at this time?
1st year full insurance does not mean full insurance
"Full insurance does not mean full insurance", many car owners may not know this truth. In general, all-inclusive insurance includes 15 and 16 types of insurance, but most of the all-insurance provided by 4S stores includes 8 types of insurance, namely traffic compulsory insurance, vehicle loss insurance, excluding deductible insurance, third-party liability insurance, and vehicle insurance. Personnel liability insurance, full car theft and rescue, scratch insurance, and separate glass breakage insurance. In fact, with the exception of compulsory compulsory insurance, the other 7 types of commercial insurance are optional.
We generally recommend that car owners buy full insurance in the first year, and the amount of insurance claims for car damage insurance and third-party liability insurance can be set higher.
Whether to buy "spontaneous combustion insurance" depends on the manufacturer
It should be noted that the so-called "all risk" does not include spontaneous combustion loss insurance. According to past thinking, new cars generally do not need to buy this insurance, because during the warranty period, the manufacturer will be responsible for spontaneous combustion. The premise is that car manufacturers can be brave enough to take responsibility. In recent years, the phenomenon of "spontaneous combustion" of some new cars within less than a year has occurred frequently, but car manufacturers have evaded responsibility. In this case, car owners who have not purchased spontaneous combustion insurance are more troublesome.
Spontaneous combustion loss insurance refers to the loss caused by the fire of the insured vehicle due to its own circuit and oil circuit failure, and the insurance company is responsible for compensating part of it. Some more cautious new owners may also consider choosing an insurance company that can provide "spontaneous combustion insurance" for new cars. "The cost of spontaneous combustion insurance for a general economical sedan is between 200 yuan and 300 yuan. If the car owner proposes to buy spontaneous combustion insurance, 4S stores can also add it."
In the second year, you can save insurance premiums if you have no insurance or violation records
The first year the car owner buys insurance is the 4S shop agency. The reporter also received a call from a car owner a few days ago: The 4S shop helped to buy the insurance, but the insurance policy did not seem to be given to me. I don't know how to renew it now.
The competition in Shenzhen's new car market is fierce, and many 4S stores offer the "buy a car to get insurance" discount, which leads to some careless new car owners who are not sure about the types of insurance they have purchased after purchasing insurance, and which auto insurance companies are not too clear. There is no option to renew for the second year.
If you are unfamiliar with car insurance, car owners can make some preparations in advance and make sure you have a bottom line through online inquiries and recommendations from friends. After inquiries, go to buy a car and car insurance, and you can understand in your heart and not be led by the nose of the 4S shop.
According to common sense, which insurance company to choose in the first year, the insurance company will call to ask whether to renew the insurance in the second year. At present, most insurance companies implement floating car insurance discounts. For car owners with too many claims records and a large amount, the insurance company will cancel or reduce the discount rate. Whether the auto insurance renewal enjoys a discount is not only related to the number of accidents in the previous year, but also related to four factors: 1. Benchmark fee for insurance; 2. Number of claims in the previous year; 3. Model level; 4. The accident condition of the vehicle. No insurance and violation records can save premiums, but now the China Insurance Regulatory Commission has implemented an online system, and the number of insurance trips in the last insurance company will be recorded.
"Now car owners change insurance companies, not necessarily to save money, but to choose a company with a good attitude in claim settlement."
Phone insurance is tricky
In the second year, there are more choices for telephone insurance. Many car owners are attracted by advertisements of insurance companies that "purchase insurance by phone can save 15%". Many telephone insurances are suspected of fraud. Taking theft and rescue as an example, for a car of 150,000 yuan, the claim amount for theft and rescue is 150,000 yuan, but the telephone insurance may be set at 130,000 yuan, but the premium is relatively cheap by about 100-200 yuan.
In addition to purchasing insurance in 4S stores, telephone and online insurance has become an important channel for auto insurance sales. More and more car owners pay more attention to customer service after insurance. After the price of auto insurance is transparent, it has entered the era of "joint service". Some car owners can buy car insurance online or by phone, and they can get a 15% discount, which is four or five hundred yuan cheaper than the price quoted by the insurance company salesman. But in the case of minor accidents, there is no "understander" consultation. "In contrast, telephone insurance is more suitable for old car owners who know more about auto insurance."
In the 3rd year, some insurance must be covered
"The frequency of changing cars in Shenzhen is every three years." Car owners who have not been insured in the past two years think that buying full insurance is too wasteful, so they save some types of insurance. However, it is best to buy car damage insurance, third-party insurance, and excluding deductible insurance, and it is time to consider spontaneous combustion insurance.
"Some types of insurance can be saved, while others can't be saved." You must buy insurance without deductibles. This type of insurance is a combination of auto damage insurance and commercial third-party insurance. If you do not take this insurance, in the event of an accident, the insurance company will have a certain deductible. Generally unilateral accident or take full responsibility in the accident, you have to bear 20%. Regardless of whether you are a novice or a veteran, it is best to buy car damage insurance and three-way insurance at the same time.
After the car is driven to the third year, those who have not purchased spontaneous combustion insurance should also beware of "spontaneous combustion caused by circuit aging", and it is also necessary to spend several hundred yuan to purchase "spontaneous combustion insurance".
High-end car glass insurance can not be saved
For high-end car and luxury car owners, it is recommended to purchase separate glass breakage insurance for the first four or five years. If you don't take this insurance, you can't get compensation if the glass is broken alone, and the 4S shop has a very high price for the glass accessories of this type of car, and the owner will be more troubled when this situation occurs. Scratch insurance can also be purchased by car owners depending on the parking lot. Taking a BMW car as an example, the cost of repainting a scratch may be one or two thousand yuan, while the insurance premium is only 100-200 yuan. Recommended for car owners who park frequently in unattended locations.
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