Insurance "Driver" - Some Considerations

Each type of Insurance has a different scope of liability, each car owner also has different needs, each "car" (depending on market value, old or new) will consider to join. Is that suitable? Thanh Phong Auto sends you a few notes that are helpful when you decide to participate

The note when choosing to buy car physical insurance

As the previous article Thanh Phong Auto has discussed depending on the financial capacity as well as your travel environment that buyers consider choosing the appropriate Insurance package, the general experience is, if the vehicle you own is valuable On average (around VND 1 billion), it is advisable to buy hull and flood (hull) insurance, and in the case of luxury cars, it should buy parts theft insurance.

The following are key factors to consider when choosing a physical insurance package for a car:

Insurance of floods and natural disasters

For flood insurance or flood insurance, although it is very important, not all insurance companies offer this service, so you should ask if the insurance package you are about to buy comes with two items. this or not. The cost of replacing and repairing this vehicle is quite large, especially for imported luxury cars, the damage of the water attack can be from several hundred million to several billion dongs, so pay close attention and Don't regret the money that comes with these two items in your insurance plan.

+ Note: 6 strange smells help identify the condition of cars

Spare parts theft insurance

With this type of insurance, it is important to note that many companies will not compensate if the vehicle breaks the rearview mirror while parked on the street unattended. Some companies also limit the number of stolen parts, the number of stolen cases, ... .. With the current high security risk, the "attaching" compensation when the mirror is accidentally stolen or Exterior details are what you should do, do not let “lose your cow to build a barn”.

Free rescue, repair place

Most insurance companies only reimburse the cost of the rescue if the customer has the option of buying garage repairs and has limited scope and conditions for the rescue. The cost of repairing in a genuine garage can be 15% - 20% higher, so in the price list of many insurance companies, customers have to pay an extra fee if they want to choose the repair garage themselves.

How to buy material insurance cost savings

Of course fees are a factor many people are very interested in, but this should not be the decisive factor. The low fee, the service quality is also commensurate, but in some cases if customers do not pay close attention to the contract, it is sometimes cheaper to think expensive. Therefore, customers should consider carefully before making a decision, not just care about premiums.

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