1
What is?
vehicle entire vehicle pilfer compensation for stolen vehicle robbed loss, damage insurance and vehicle accessories or loss during the robbery.
2
Cost Calculation
1, premiums
= amount of insurance premiums pilfer + × rates based premiums.
If the vehicle is purchased a new car, the insurance amount is generally calculated in the new car to purchase grid.
Example: Mr. Zhang new car purchase price of 100,000 5 family car as an example, the whole motor vehicle price = 100,000 yuan daoqiangxian 0.49 × percentage rates based premiums + = 120 yuan 610 yuan.
If the vehicle is used later to cars or motor car pilfer whole, to calculate the depreciation of the vehicle in accordance with the useful life.
Example: Mr. Zhang new car to purchase 100,000 of five family car, for example, driving license for the first time on record as of September 2007, 2010 September insurance, insurance amount pilfer 100,000 × (1 – 3 years depreciation rate of 20 percent) = 80,000 or less than 80,000 other insured. Which cost pilfer = 80,000 × 0.49 percentage rates based premiums + = 120 yuan 512 yuan.
Note: Depreciation rates to insure local insurance company shall prevail.
2, claims algorithm
vehicle vehicle was stolen, robbed, robbed, police criminal investigation department above the county level investigation confirmed that over a certain time (most three months) Not falling, be compensated by the contractor in the amount of insurance the insurance company. If the vehicle was not robbery to get back more than three months, the insurance company for compensation in the amount of insurance. If the car was robbery, within three months back, but in the meantime the vehicle is damaged or missing parts, the insurance company liable for repair costs.
= indemnity insurance amount × (1- franchise sum)
3
You Know ?
· whole car pilfer motor vehicle insurance is one of the main commercial vehicle insurance.
· No additional purchase is not deductible corresponding to the purchase of the entire vehicle pilfer vehicle, if the vehicle is involved in an accident, there will be 20 percent deductible portion requires owners themselves.
· If the vehicle is used or used car, the best insurance amount agreed upon by the owners and insurance companies in the real value of the insured vehicle. Generally based on the lower of the actual value and the purchase invoice value, so as not to insure the insured amount is too high, it can not be paid.
If the owner of the motor vehicle registration certificate is lost when pilfer claims, origin certificate of the vehicle, each 1 percent increase in the deductible.
* the whole motor vehicle is daoqiangxian for robbery or loss of the vehicle after the vehicle robbery, if the wheel, the antenna, mirrors, and other components separately stolen, it is not liable of.
· the insured person and others civil, economic disputes and causing the vehicle was robbed, stolen for the exclusion of liability, pilfer not responsible for compensation.
· vehicles leased to others, but the driver of the vehicle at the same time missing, and it is no compensation.
If the case of the stolen vehicle, should the local public security authorities and insurance companies to report within 24 hours, and the writing of proof placed on file robbery in the incident above the county level public security departments.
4
insurance claims techniques
If no fixed garage, often parked in the parking lot or in the open air often business trip, no fixed parking place, the parking or more remote locations. Recommended to consider buying the whole car pilfer vehicle.
· When the insurance claim, the information to be provided are: accidents prove (or above the county public security authorities issued proof of filing), motor vehicle driving license, proof of origin of motor vehicle (such as invoices), vehicle purchase tax proof, motor vehicle registration certificate, insurance and so on.