What's the rate of insurance
The full term of risk insurance is “compulsory liability insurance for motor vehicle traffic accidents”, which is compulsory liability insurance provided by insurance companies for compensation for personal injury, damage to property of victims (excluding the occupants and insured persons) caused by road traffic accidents in insured motor vehicles. Tight insurance is the first compulsory insurance system in china under national law. The premium is based on a uniform national rate, which is set by the state, but the risk price varies for different models, mainly because of the “number of car seats”。
In accordance with the provisions of the ordinance on risk reduction, the owner or manager of a motor vehicle travelling on a road within the territory of the people's republic of china shall be insured against the risk, and if the owner or manager of the motor vehicle fails to do so as required, the traffic administration of the public security organ shall have the right to retain the motor vehicle, notify the owner or manager of the motor vehicle that he/she is insured in accordance with the regulations and shall be fined twice as much as the insurance contribution due。
How to buy insurance
Cars are being bought more and more, but many of them tend to be lost when they choose insurance for their cars. How should insurance companies with different premiums choose the best vehicle-risk product for themselves in the face of a variety of well-known risks?
You have to buy it
Under the compulsory motor vehicle accident liability insurance regulations, all new vehicles and vehicle renewals that are due for insurance are subject to the purchase of vehicles for greater risk starting in 8. The following are the examples: 950 for private cars, 1,000 for non-business vehicles, 950 for non-business vehicles and 1800 for rental of business. The insurance company will base its judgement on invoices for the sale of vehicles。
New vehicle insurance should be complete
In addition to compulsory insurance by the state, new owners are required to purchase the necessary commercial insurance, including vehicle insurance, triple liability, theft and theft insurance, and personal insurance。
I'll pay for the additional insurance
The owner may also choose the additional risk in a targeted manner, depending on the actual condition and use of the vehicle. These types of risk include: individual glass break-up, scratching, non-compensation, etc. If your car is often in and out of the market, where there's a lot of traffic problems, you can think of a scratch. If the car has to park in a parking lot next to the construction site, and there are often small stones coming in, and your windshield is of great value, you are advised to insure yourself against a glass breakup to avoid financial loss. In addition, the summer is hot and cars are prone to spontaneous combustion。
It is important to remind you that new drivers are not immune to bumps and accidents are relatively frequent. Therefore, insurance experts recommend to the owner that if a new car is purchased on a lump sum basis, you are required to purchase the full insurance; if you have purchased a new car in full payment, you are yourself a newcomer, and in order to mitigate your loss, you can consider purchasing all the insurance elements except for the self-fire risk。
The insurance company has to choose
After identifying the types of insurance that should be selected and the concessions that are available, how should we choose insurance companies in the course of purchasing a car? Industry suggests that if your car is new, and it is relatively expensive, you can choose insurance for large companies. Because the higher the size of the vehicle, the higher the cost of repair, the greater the economic pressure that may be placed upon it in the event of an accident, the higher the level of compensation paid by large companies and the higher the level of the fixed maintenance plant。
However, in terms of the premiums paid, in general, the same type of vehicle and insurance cover is higher for large companies than for small companies. If your car is old, or if it's not expensive, it won't be expensive to repair, and your driving skills are more sophisticated, and it is more cost-effective to choose a small company。
In addition, the expert reminds the policyholder that if your car travels frequently for long distances, every effort should be made to select a larger insurance company, which has branches throughout the country and which can deal with losses, settlements, etc. At the local level in case of problems. In addition, the experts suggested that the owner of the vehicle could not only be insured at a heavy price, but should decide in the light of the actual circumstances of his own use, such as the frequency of long journeys, the appointment of a dedicated driver, etc., and the integration of services required in case of risk。
Base rate
There are 42 basic rates for strong risk insurance, with different rates for sub-types of eight main categories, namely, home-owned vehicles, non-business buses, open buses, non-business vans, commercial trucks, special cars, motorcycles and tractors. For the same vehicle, however, a single price is applied nationwide。
Pre-adjustment premium (per annum) for major vehicle serial numbers
Home cars
1 family car under 6
2 family cars 6 and above 1,1001,100
Ii. Unopened buses
3 non-business vehicles under 6
4 enterprise non-business vehicles 6-10 1,1301,100
5 enterprise non-business cars 10-20 1,201,300
6 enterprise non-business vehicles with more than 20 vehicles
7 non-operational vehicles under 6
8 non-operational vehicles 6-10 1,070,070
9 non-run vehicles 10-20 1,1401,140
More than 20 non-operational cars in 10 establishments 1,3201,320
Iii. Business buses
11 business rentals under 6 1 8001 800
12 business rentals 6-10 2,3602,360
13 operating rental 10-20 2 4002,580
14 operating rentals of 20-36 2,5603,730
Over 36,5303,880 business rentals
16 open city public transport 6-10 2,2502,250
17 open city public transport 10-20 2,522,520
20-36 buses in 18 open cities 3,0203,270
Over 36,1404,250 buses in 19 open cities
2,352,350 passenger transports on 20 open roads
21 open road passenger transport 10-20 2,6202,620
22 open road passenger transport, 20-36 3,4203,420
23 open roads with more than 36,6904,690 passengers
Iv. Non-ficial cars
24 unrun vans up to 1,200 tons
25 unrun trucks 2-5 tons 1,4701,630
26 unrun trucks 5-10 tons 1,651,750
27 unrun vans over 10 tons 2,2202,220
V. Exchange cars
28 open vans up to 2 tons
29 open truck 2-5 tons 3,0703,070
30 open vans 5-10 tons 3,4503,450
31 business vans over 10 tons 4,4804,480
Vi. Special vehicles
32 special vehicles i 3,716,040
33 special vehicles 2,4302,430
34 special vehicles 3,0801,320
35 special vehicles iv3,9805,660
Motorcycles
36 motorcycle 50cc and 80120 below
37 motorcycle 50cc-250cc (inclusive) 120180
38 motorcycle 250 cc and three-wheeler 400 400
Tractors
39 tractors are subject to a regional differential rate in accordance with spm 53 freeze
The classification of seats and tonnages is interpreted in accordance with the principle of “start without endpoints”。
Special vehicles i: tankers, gas tankers, liquid tankers; special vehicles ii: specialized water purification vehicles, tankers other than specialized vehicles i, and various specialized motor vehicles for the purposes of barrier clearance, cleaning, cleaning, lifting, loading, uplifting, uplifting, mixing, excavation, bulldozing, refrigeration, temperature protection, etc.; specialized vehicles iv: container towing。
There is no compulsory motor vehicle accident liability insurance for trailers。
4. Low-speed cargo vehicles are subject to reference rates of 14. 7 kw or higher。
We should be careful when making compulsory insurance. Of course, you have to learn that insurance companies have to choose the best of the best. This is how to maximize its interests. If you are in a more complicated situation, you are welcome to have legal advice。
