Computation method for compulsory insurance premiums paid after July 1, 2007:
Final premium = basic premium × (1 + floating rate related to road traffic accidents) × (1 + floating rate related to traffic safety violations).
For example: a private car owner with less than 6 seats has not had a responsible traffic accident within one year, but once drunk driving, the premium paid in the second year is: 1050×(1-10%)×(1+30%) = 1228.5 yuan.
As my country’s first compulsory insurance system implemented by national laws, the insurance company is responsible for the personal injury and death and property loss of the victim (excluding the vehicle personnel and the insured) caused by the road traffic accident of the insured motor vehicle. Compulsory liability insurance that compensates within the limit of liability. According to expert analysis, due to the low insured amount of compulsory traffic insurance, the supporting commercial triple insurance has become one of the insurance types recommended in the industry.
The "Regulations on Compulsory Motor Vehicle Traffic Accident Liability Insurance" stipulates that starting from July 1, 2006, all new cars and vehicles whose insurance expires must purchase compulsory vehicle insurance. Among them, the premium for private cars is 1050 yuan, the enterprise is 1,000 yuan, and the party and government agencies of public institutions are 950 yuan. The insurance company will make judgments based on the vehicle sales invoice.
In addition to the compulsory traffic insurance that the state compulsory purchases, new car owners also need to purchase some necessary commercial insurance, including car damage insurance, three liability insurance, theft and rescue insurance, and vehicle personnel insurance.
Taking a vehicle with a price of 150,000 yuan as an example, PICC’s car damage insurance is 2,956 yuan, and the owners of the three liability insurance can choose different insurance amounts such as 50,000 yuan, 100,000 yuan, 150,000 yuan, 200,000 yuan, etc. according to their needs. . The insurance premium for the three liability insurance varies according to different models. The most common passenger car with less than 6 seats has an insured amount of 50,000 yuan, and the insurance premium is usually around 800 yuan; if the insured amount is 100,000 yuan, the premium is around 1,100 yuan. ; If the insured amount is 150,000 yuan, the premium is about 1,200 yuan. Theft and rescue is also based on the price of the insured vehicle. The premium for a car with a price of 150,000 yuan is about 900 yuan. Personnel insurance on a vehicle is usually calculated based on 5 persons per vehicle. The insured amount is 5,000 yuan and 10,000 yuan, respectively, and the insurance premium is about 100 yuan and 200 yuan respectively.
Insurance case:
Ms. Liu, age: 33 years old. Driving experience: 6 years. In the past, I shared a car with my husband, drove skillfully, coupled with women's unique caution and carefulness, and rarely went into danger. Recently, due to the stock market making a lot of money, I bought a white Accord with a one-time payment. The purpose of the vehicle: mainly used for commuting to and from get off work, occasionally traveling by car in Jiangsu and Zhejiang.
Insurance analysis Ms. Liu’s vehicles are mainly used for commuting and commuting, so the main driving area should be “in Shanghai”. The main driver’s driving experience is long, and the number of driving accidents in the past is small, indicating a strong sense of safety, so you can choose the insurance that provides basic protection. It is recommended to apply for insurance online or go to an insurance company to apply for insurance directly, which is convenient and cheap.
Car damage insurance (primary insurance): Refers to the natural disasters (excluding earthquakes) or accidents within the scope of the insurance liability that the insured vehicle suffers, resulting in the loss of the insured vehicle itself, and the insurer shall pay compensation in accordance with the provisions of the insurance contract. Car damage insurance is the basis of additional insurance, and other additional insurances can only be covered by car damage insurance.
Third party liability insurance (primary insurance): Refers to the direct property loss and personal injury of a third party caused by a qualified driver's accident during the use of the insured vehicle. According to the current standard of compensation, general third-party accidents in Shanghai require more than 100,000 yuan in compensation for personal injuries. Therefore, it is recommended that the three parties insure 100,000 to 200,000 yuan; the difference between 100,000 yuan and 200,000 yuan in insurance premiums Not big. If the economy allows, you can choose a 200,000 limit, which can basically meet the protection needs.
Theft rescue (primary insurance): If the car is always parked in a relatively reliable and safe parking lot during use, and there are no particularly secluded sections on the way to and from get off work, you can consider not protecting theft rescue; but if the car belongs to Very common models with a relatively high loss rate must be protected against theft. Ms. Liu's new car is eye-catching, so it is recommended to insure against theft.
Car seat liability insurance (additional insurance): This type of insurance is not recommended. It is recommended to consider life insurance products separately, as the coverage and insurance premiums are generally lower and better. If you often have friends in Ms. Liu’s car, you can also consider buying a little, but you don’t need to buy too much. The guarantee amount is 10,000 to 20,000 yuan per seat.
Separate glass breakage insurance (additional risk): refers to the separate breakage of the vehicle glass during use, pay attention to the word "individual", and if it is caused by other accidents, there is a compensation in the car damage insurance, and it is generally not necessary to buy it.
Spontaneous combustion insurance (additional insurance): When the vehicle is running, due to the failure of the vehicle's electrical appliances, wiring, and fuel supply system, and the spontaneous combustion of the cargo carried, it catches fire and burns, resulting in vehicle loss and reasonable expenses paid for rescue. Ms. Liu’s new car does not need to be bought. Cars over three years old are recommended to be considered.
Car body scratch damage insurance (additional insurance): The cost of repairing a car that is scratched by others (without obvious collision marks) during use. Generally, new cars or novices can buy them. Ms. Liu can consider it according to her own situation. If the family and the unit have a fixed parking lot and the security measures are good, this type of insurance may not be insured.
Excluding deductible (additional insurance): The insurance company is responsible for the compensation for the deductible amount borne by the insured for the compensation caused by the vehicle loss insurance or the third party liability insurance accident of the vehicle. Excluding the deductible additional insurance is almost a good insurance that must be insured, it is recommended to add, especially when encountering a large accident loss, this insurance can greatly reduce the loss of the car owner. In view of the fact that Ms. Liu's new car is in the mid-range, it is recommended to choose an absolute deductible of 500 yuan. Choosing such a deductible will give a corresponding discount on the premium of car damage insurance, which not only saves the time to settle claims with the insurance company after a small scratch, but also saves the premium. At the same time, the big risk can still be borne by the insurance company. Worries.
Related Links: Summary of Auto Insurance Knowledge-Auto Insurance Instructions
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