I believe that many readers of the first time to buy a car lord and Xiao Bian as the new car on the insurance has been puzzled, basically the new car insurance is to 4 sons (4S shop) to take care of, but 4 son pit father ah! The following Xiao Bian will share several insurance products suitable for novices.
â— Traffic Insurance
Applicable people: all people
Recommended reason: Sorry, because the state regulations must be purchased.
1. What is a strong insurance?
Traffic insurance is a law that requires every owner to purchase compulsory insurance. It effectively ensures that the vehicle has the most basic insurance claims in the event of a traffic accident. Especially for some car owners, impoverished owners. Once a traffic accident occurs, the TAC insurance can replace him to complete the financial compensation that is difficult to pay. If the compulsory traffic insurance is not purchased as required, the traffic management department of the public security organ has the power to detain the motor vehicle and impose a fine of 2 times the premium payable.
2. Why buy a strong insurance?
After the compulsory insurance is purchased, a compulsory traffic insurance sign will be issued to the owner, and the sign must also be attached to the front windshield of the car. If not pasted as required, the traffic police may impose a penalty of 1 point and a fine of 200 yuan on the owner.
3, how much money to buy a strong insurance?
The insurance premiums for the TAC insurance are based on the uniform price of the nationwide implementation of the number of vehicle seats, and the number of new cars under 6 seats is 950 yuan a year, and more than 6 seats are 1100 yuan.
If there is no accident insurance during the insurance period, the benchmark premium will be lowered by 10% and the minimum will be reduced by 30%. However, if there are many accidents, the premiums for the coming year will go up, with a maximum increase of 30%, and even be rejected by insurance companies.
4, what conditions do not pay compensation?
Competing is not for the compensation of all accidents, such as intentionally created accidents, drunk driving, and vehicle damage insurance caused during the vehicle's theft.
5. What is the scope of compensation for compulsory insurance?
The amount of compensation for the TAC insurance is subject to the responsibility and whether it will result in casualties. General vehicle damage, the maximum compensation of 2,000 yuan in the case of responsibility, is 100 yuan in the absence of responsibility.
If any casualties are caused, the maximum compensation for medical expenses is 10,000 yuan and the maximum compensation for death is 110,000 yuan. In the absence of any responsibility, the maximum compensation for medical expenses is 1,000 yuan, and the death compensation is 11,000 yuan.
â— Car damage insurance
Recommended index: novice, bad temper ★★★★★, veteran ★★★
Recommended reason: If you are a newbie, then it is recommended that you must buy. If you have a bad temper, it's crazy to drive and I suggest you buy it. If you are a veteran, you can buy it or not.
For the crowd: novices and fiery, fierce driving style
1. What is car damage insurance?
Vehicle damage insurance refers to the occurrence of an insurance accident by the insured or its permitted driver when driving an insurance vehicle, resulting in damage to the insurance vehicle, and the insurance company is able to compensate within reasonable limits.
2. How much does it cost to buy a car damage insurance?
The premium for vehicle damage insurance has a lot to do with the purchase price of the car and the number of seats. A formula can be calculated, car insurance premium = basic premium + naked car price * rate. The basic premium for ordinary home 5-car damage insurance is 593 yuan, and the rate is 1.5%.
For example, a five-seat home new car, the car price (including the vehicle tax) is 128,000 yuan, then its car damage insurance fee is: 593 +12 8000 * 1.5% = 2513 yuan.
Note: In addition to the compulsory insurance, the other insurance's expense count is the original price. However, in the actual purchase process, there will be a certain discount, and different companies and different insurance companies have different discount rates.
3, car damage insurance under what circumstances do not lose?
The vehicle damage insurance only compensates for the damage of the vehicle body, but the individual damage of some small parts is not covered by the compensation scope, such as rearview mirrors, lights, glass (excluding sunroof glass), paint, wheels (including tires and wheels) )Wait.
For a new car that is not on the card or has not received a temporary license, the damage caused by the accident is not within the scope of the vehicle damage insurance. In addition, if an accident occurs, the perpetrator of the insurance company can only compensate 70% of the loss.
There is also need to pay attention to, when the vehicle damage insurance compensation, according to the use of the vehicle for a certain depreciation and then compensation. The car's depreciation rate is 0.6% monthly depreciation.
â— Third party liability insurance
Recommendation Index: ★★★★★
Recommended reason: All the owners of the editorial department have bought, and they are all 500,000, and 1 million is not too much.
1, what is the three insurance?
Third party liability insurance means that in the event of an accident leading to personal injury or death of property other than the driver and passengers of the vehicle or direct damage to the property, the insurance company shall make compensation according to regulations. For example, an insurance company is responsible for the accidental collision of an electric car with a car, the damage of an electric car, and the compensation for the death of an electric car driver.
2. How much does it cost to buy three risks?
The cost of the three insurance is based on your choice of insurance level. Generally, 5, 10, 15, 20, 30, 50, and 1 million are the mainstream, but you can also choose to insure more than 1 million, but the maximum cannot exceed 50 million. Different levels of premiums are different.
Taking an ordinary 6-seater family car as an example, choose a class of 50,000 and the premium is 710 yuan for 1 year. If you choose 1 million yuan level will have 2234 yuan a year, most people now choose 500,000 or 100 two levels.
3, what are the conditions of the three insurance does not lose?
In the accident caused by the driver's or passenger's casualties of the vehicle, driving to death, hitting his own family, driving a car and damaging his own vehicle, these three risks are not compensated.
4. What is the scope of compensation for the three insurance?
The different responsibilities in the accident, the amount of compensation obtained is also different. Only when the other party takes full responsibility can the full amount of compensation be obtained. If you are fully responsible for your responsibility, the insurance company can have a 20% deductible, the primary responsibility is 15%, and the equivalent liability is 10%, and the secondary liability is 5%.
â— Whole vehicle robber insurance
Recommended index: ★★★★
Recommended reason: Long-term running night road, mountain road, or long-term parking in the informal parking lot owners recommend purchasing.
1. What is the entire vehicle robbery insurance?
It is well understood to look at the name. It is an insurance service that provides compensation services for vehicle losses caused by the theft and robbery of the entire vehicle. If an entire vehicle is stolen and robbed by the Public Security Criminal Investigation Department at or above the county level for investigation and verification, and there is no whereabouts within 60-90 days, the insurance company will directly pay compensation.
2. How much money does it cost to buy a stolen robbery?
There is a formula that can be calculated for premiums for full vehicle robberies: full vehicle stolen insurance premium = (car price - depreciation fee) * premium rate + fixed premium. The depreciation fee is 6‰ per month and is valid only for renewal of used cars or used cars. The new car will not have to worry about it. Premium rates and fixed premiums vary according to different models and uses, while the basic premium for a five-seater car is RMB 120 and the rate is 0.49%. To make it easier for everyone to understand, give two examples to illustrate. Example 1: A 128,000 yuan ordinary home with 5 new cars, the whole vehicle robber insurance premium = 128000 * 0.49% +120 = 747.2 yuan. Example 2: A 128,000 yuan ordinary home 5-seater has been used for 2 years. The renewal premium insurance premium for full-car robbers = (128000-128000*6‰*24 months)*0.49%+120=656.9 yuan.
2. What is the condition of stolen emergency insurance?
If not the entire vehicle is stolen, only the components on the car such as tire hubs, lights, mirrors and so on. In addition, if the vehicle has been retrofitted, unless there is a separate purchase of new equipment insurance for the modified part, the original vehicle will be compensated when the entire vehicle is stolen.
4, the scope of compensation for theft
After a robbery accident occurs, it is necessary to provide a motor vehicle registration certificate, a motor vehicle driving permit, a car purchase invoice, and a vehicle purchase tax payment certificate to prove the origin and legality of the vehicle. Absent any the same, increase the absolute deductible rate of 0.5%. If the entire vehicle is stolen, an additional 5% absolute deductible will be lost if the original vehicle key is lost.
â— Excluding free insurance
Recommended index: ★★★
Recommended reason: Low premiums, many accidents can get you full compensation
1. What is the exemption from insurance?
Excluding the full name of the exemption and insurance is excluding the special clause of exemption, it is a kind of additional insurance. In many accidents, insurers can have 5%-20% deductibles. When the owner purchases a deductible, you can avoid these deductible rates to get you full compensation.
2. How much does it cost to buy a discount insurance?
The cost of excluding insurance and insurance is quite cheap, and its premium = 20% (car damage insurance + 3 insurance). If a 128,000 yuan five-seat family car, bought a 500,000 three-insurance insurance, then its premiums without discounting and insurance are: (1920 + 1721) * 20% = 728 yuan. This is a calculation method that does not include deductible compensation. In addition, it can be purchased separately for commercial insurance without considering deductible compensation. It seems that everyone now likes to purchase separately.
3. What is the case without compensation?
The purchase of non-deductible compensation is not a compensation under any circumstances, it also has four situations that do not compensate: the accident did not leave a certificate to cause the traffic police to be unable to blame, the car stopped by the road was scratched or the third party escaped, only to purchase the basic insurance Excluding free insurance, the car was stolen, and the deductible rate was increased frequently.
Summary: Many car owners choose to purchase insurance at the 4S shop for convenience or to get 4S shop car discount after buying a car. And most car owners do not need to buy what kind of insurance to buy because they do not know how to buy, they have chosen to buy full insurance by default. In fact, there are only a few more useful daily insurance policies. You only need to understand in general terms what protection they can provide. The corresponding cost is very easy to determine which ones you should buy or not. In Xiao Bian's opinion, if you do not understand insurance at all. If you do not want to buy insurance in the 4S shop and you are pitted, it is sufficient to select several types of insurance recommended in this article.
• Materials:
o Conductor: Cat6A UTP stranded, 24AWG, 7x0.2, bare copper
o Insulation: polyethylene with color marking on white cores
o Unshield: individual foil for each pair, with general ground wire
o Outer jacket and boots: PVC, CMX, CM, CMR, leaded and lead-free as well as LSZH versions are available
• Nominal outer diameter: 6.0 ±0.2mm
• Color code: BL/WH-BL, WH, GN/GN-WH or BR/BR-WH
• Cable colors: grey, others colors from RAL and Pantone are available
• Mechanical characteristics:
o Cable to plug tensile strength: 9kgsf (90n) minimum
o Minimum bending radius: 22mm
o Storage temperature: -20 to +80°C
o Durability: 750 mating cycles
o Plug housing: UL 94-V0, UL 94-V2 and polycarbonate
o Plug contact material: 50μ-inch gold plating over 100μ-inch nickel-plated copper alloy
o Fire performance: IEC 332.1, VW1, IEC 332.3 versions available depends on the jacket type
o Product length: 0.5 to 100m (optional)
• Electrical performance:
o Contact resistance: 20mΩ (maximum)
o Voltage: 75V (maximum)
o Dielectric strength: 1,000V/ 1 minute minimum RMS
o Current: 1.0A (maximum)
o Insulation resistance: 500MΩ minimum at 500V DC
o Performance test: 100% Patch Cord test for Cat6A, Cat6 and optional for Cat5E Patch Cord
• Certificates: ISO 9001:2001, ISO 14001, OHSAS 18001, UL and REACH
• RoHS Directive-compliant
• Packaging: 1 piece/bag
• Production capacity: 20,000 pieces/day
• Unit price: USD 1.5 to 5.0/piece
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