●2. Third-party liability insurance (main insurance): refers to the economic compensation liability that should be borne by the insured according to law. If an accident occurs in the process of using the insured vehicle by a qualified driver, the insurer will be responsible for compensation for direct property losses and casualties of a third party. According to the current compensation standard, it is recommended to buy at least 654.38+million yuan, and it is best to buy 200,000 yuan, because the price of 50,000 yuan, 654.38+million yuan and 200,000 yuan is not much different. In short, you can feel at ease after buying this kind of insurance.
●3. Vehicle loss insurance (main insurance): refers to the loss of the insured vehicle caused by natural disasters (excluding earthquakes) or accidents within the scope of insurance liability, and the insurer shall compensate according to the provisions of the insurance contract. This kind of insurance is just the opposite of the third party, because the three kinds of insurance are for others, while the car damage insurance is for yourself. Remember to buy car damage insurance.
●4. Theft rescue (main insurance): If your car has been parked in a relatively safe parking lot during daily use, and there is no particularly secluded road section on the way to and from work, you can consider not carrying out theft rescue protection (for cars with poor public security and no fixed parking lot in your area, or your car is a very common model with a high loss rate, you must carry out theft rescue protection).
●5. Vehicle personnel liability insurance (additional risks)
It is not recommended to buy personnel liability insurance on board, because the insurance rate is high and the coverage is still relatively narrow. It is recommended to consider life insurance products separately, and the insurance coverage and premium are generally lower and better! If your car is often used by family and friends or operated by vehicles, you can also consider buying some, but you don't need to buy too much. The guarantee amount is 1 10,000-20,000 yuan per seat.
●6. Separate glass breakage insurance (additional insurance): refers to the separate glass breakage during the use of this vehicle. Pay attention to the word "separate". If it is caused by other accidents, there is compensation in the car damage insurance. If it is a domestic car, glass is not expensive. If you want to save the premium, you can not buy it. You must specify the glass to import.
●7. Self-ignition insurance (additional insurance, including some clauses in vehicle damage insurance): reasonable expenses paid for vehicle loss and rescue due to the failure of vehicle electrical appliances, wiring and oil supply system and spontaneous combustion of goods. Well-known brands and new cars are not recommended, and cars over three years old are recommended to be considered. Some insurance companies also give away self-ignition insurance or include it in car damage insurance.
●8. Scratch risk (additional risk)
Scratched by others during use (no obvious collision marks), which needs to be repaired. Generally speaking, novices should buy a new car.
●9. Excluding deductible (additional risks): The insurance company shall be responsible for the deductible borne by the insured due to the insurance accident of vehicle loss insurance or third party liability insurance.
These are some insurance explanations.
Here are some of my own views:
1. Compulsory traffic insurance is compulsory according to national regulations, so it must be purchased.
2. It is recommended to buy third-party liability insurance of more than 300,000 yuan. There are too many luxury cars on the road now, so I can't afford to get hurt. If you are a novice, it is recommended to buy 500 thousand.
3. I also want to buy vehicle loss insurance, calculated according to the car price.
4. Theft and rescue, prevention first.
The glass is broken separately. If you often run the highway, buy it.
If you don't buy this, the insurance company will only bear most of the responsibility. If you buy it, the insurance company will bear 100%.
7. You don't need to buy scratch music. Vehicle loss insurance is 2000 yuan, free on site. Just go to the 4s shop and scratch it. There is no need to buy self-ignition insurance for new cars. If the new car catches fire, you can get it.
Summary: Compulsory insurance+third party liability insurance (300,000-500,000 yuan)+car damage insurance+burglary insurance+glass insurance+excluding deductible.