Vehicle insurance policyholders how to deal with the new changes in the market

Beijing on November 4 (xinhua Youbin) on November 1 start of the implementation of the new motor-set 500 yuan because the deductible from society and the market a strong reaction. China Insurance Regulatory Commission property insurance supervision system of the Director of the Department of Special recently said Dong Bo, the People's Insurance Ju Sunxian new products are approved by the China Insurance Regulatory Commission, is not suspected irregularities. This policy of the People's Insurance confirmed that the new vehicle insurance in line with normal procedures introduced, but the majority of owners of the insured as a friend, who may be more concerned about security after the implementation of the new vehicle insurance, other insurance companies will not follow up, the insured How to effectively deal with it »

The People's Insurance auto insurance adjustments have two most obvious changes, a Jusun Xian is the absolute increase in non-deductible, which is small Gua small Ceng maintenance of less than 500 yuan in their own small accident policyholders pay. Second, insurance rates vary by model. PICC Property Insurance due to sit tight in the first auto insurance market to Kau Yi, therefore, PICC Property Insurance's every move, the market will cause great concern.

OSE: We have not yet received the documents, no adjustment is not yet clear adjustment.

Green: It is now also not received notice of price hikes insurance rates.

To press time, there were no reports of the Pacific Property Insurance Company, Ping'an Insurance Company and other property insurance companies are adjusting their auto insurance rates for the news. However, the industry said, because the people of the auto insurance market-nearly 70 percent of, so it has strong control over the market, the People's Insurance price adjustment, reflecting the auto insurance market was moving in the direction of the market .

For car owners, to the insured vehicles a year must face the problem. However, in the face of various insurance companies so many conditions, prices of different products, car owners how to choose the right insurance products, according to the order of how the insured can achieve the "Hua Xiaoqian doing big things"? » Jiangtai Insurance Brokers Limited Zhang Jian proposal must first establish a correct sense of insurance.

Zhang Jian: determine what insurance to buy there are so few standards, a look at it is the probability is not high, it is one in the aftermath of the losses caused to you how much those I can not bear not force the focus must be to insure .

Consumers to buy insurance, they can contact through a variety of several insurance companies on their vehicles, then compared each company to tailor your car and ordered the vehicle insurance policy portfolio. Relatively speaking, large-scale insurance companies price your policy, but the advantage of the company for losses outlets, can help repair shop online for implementing long-range damage, claims faster speed. Now 40% -50% of the insured is based on claims by the way, made a report after the car, documents and commissioned by the claims of insurance companies to recommend to the repair shop, just at home waiting for notice to fix the car back .

Zhang Jian said that, if you buy a new car, the best recommendations of the vehicles lost insurance, third party liability insurance, liability insurance personnel on board, all stolen cars these basic types of insurance-Qi. When the insured must pay attention, we can not blindly to save money without full insurance, there is no need to spend more over-insured. A wise choice is full insurance, is the value of the number of vehicles on the number of security.
If a vehicle approaching scrapped period, I suggest you only Bao third party liability insurance, because such close of the scrapped vehicles, poor condition, and then obviously put a lot less cost-effective.

Zhang Jian: At least from now after the implementation of SGX, I personally think that third party liability insurance to buy right foot. Because of traffic accidents is not an individual's will to transfer the case of if you do not have full third party liability insurance, once a relatively high amount of the claim, then the driver may have to the earth.

With the insurance, Zhang Jian also recommended that, in addition to Chesun Xian, third party liability insurance for two, in addition to more than 10 additional insurance for private car owners in the main there are four: the poor driving skills for the non-novice Mianpei special risk; luxury car is necessary to buy a separate broken glass insurance; no fixed parking lot, area security situation in poor and often drive the owners of the best run of all cars on the security Daoqiang Xian; new car was rubbing a zoned A most distressed owners can spend more scratches San Wubai yuan insured risk.

Finally, we advise consumers, the insurance companies of auto insurance terms are different, what most reasonable, the insured can do more, according to their choice of the specific conditions of insurance companies and vehicle insurance.