4 seat car insurance Provides a comprehensive form of protection for your vehicle. It not only protects the owner from common risks such as traffic accidents, theft, fire, but also includes insurance extensions such as legal protection and driver and passenger protection. on the car. This ensures that you and your loved ones have maximum protection in the event of an unexpected incident.
Vietnam Road Administration (Ministry of Transport): The General Department's 2023 report shows that 60% of 4-seat cars circulating in Vietnam participate in voluntary auto insurance in addition to liability insurance. mandatory civil liability. This shows the high demand for comprehensive car protection
In case the car is damaged or has an accident, insurance will cover the costs of repair or replacement of parts, helping you save a lot of unnecessary costs. At the same time, if you encounter a lawsuit related to a traffic accident, 4-seater car insurance also provides legal support and compensation for legal damages that may arise.
In addition, insurance companies also offer many options to suit individual needs, including basic insurance packages and advanced insurance packages with additional services and benefits. In the article below, let's find out 5 information you need to know about 4-seat car insurance to get ready to the most suitable insurance company.
According to current Law, 100% of 4-seat car buyers are required to buy civil liability insurance. It can be understood that this type of compulsory auto insurance operates on the principle of compensating the few with the many. This means that everyone's insurance fees will be pooled into one fund and will be ready to pay compensation to the few people who encounter unexpected incidents.
The scope of liability of civil liability auto insurance has been clearly stated in Circular 22 / 2016 / TT-BTC as follows:
In the case of the owner intentionally causing damage to the vehicle or damage to accessories, parts during the use of 4-wheel cars will not be covered by insurance.
Normally, each civil liability auto insurance will have a term of 1 year as clearly stated on the insurance date. Therefore, don't forget to regularly review your insurance to buy it back in time. If something goes wrong and your insurance expires, you won't be compensated.
Although not compulsory insurance, but buyers of 4-seat cars should also buy additional 2-way physical insurance. This type of insurance will help you pay compensation in both directions when the fault occurs due to you or others.
Some cases that fall within the scope of 2-way coverage that you need to know are:
However, you should remember that immediately after an accident or incident you need to notify the authorities or inspection insurers to be paid.
In addition to compulsory civil liability insurance and material 2-way insurance, you should also refer to some other voluntary insurance for 4-seat cars:
Besides the benefits received specified on the terms of the insurance contract, the owner also needs to know more about the cost of participating in each type of insurance.
With civil liability insurance for 4-seater vehicles, the price will include VAT as follows:
With the voluntary insurance each company offers will also offer different prices for your reference.
Finally, before buying a 4-seater car and taking part in insurance, you should pocket some reputable insurance companies currently on the market to ensure both price and quality. Mostly are well-known companies, have long experience and have direct links with major car maintenance centers.
3 brightest names are:
The price of civil liability insurance for a 4-seat car not used for transportation business is about 500 thousand VND/year and for a 4-seat car used for transport business is about 850 thousand VND/year. You can refer to 5 Pay attention when buying car civil liability insurance shared on the website.
4-seater car physical insurance includes compensation for vehicle physical damage due to collisions, collisions, overturns, other objects falling or colliding, fires, explosions, natural disasters, loss theft, vehicle theft and physical damage after an accident.
Voluntary 4-seater car insurance includes driver insurance, passenger insurance and cargo civil liability insurance.
Current reputable 4-seat car insurance companies include Petrolimex Insurance Company (PJICO), Vietnam Petroleum Insurance Company (PVI) and Liberty Insurance Company.
The term of 4-seat car insurance is usually 1 year.
According to current law, 100% of 4-seat car buyers are required to buy civil liability insurance.
4-seater car insurance compensates for human damage caused by motor vehicles of 100 million VND/person/incident, property damage caused by motor vehicles or motorbikes, 2-wheeled motorbikes, 3-wheeled vehicle is 50 million VND/case and property damage due to cars, motorbikes, tractors, and special vehicles is 100 million VND/case.
In case the car owner intentionally causes damage to the car or damages accessories and spare parts while using the 4-wheeled car, insurance will not cover it.
No, 4-seat car insurance does not limit the number of insured people.
Yes, 4-seat car insurance can include cargo civil liability insurance.
Cars Care Service Price Sheet At Thanh Phong Auto HCMC VietNam:
* The cars that we have mechanics: Mercedes, BMW, Audi, Lexus, Toyota, Honda, Mazda, Mitsubishi, Kia, Daewoo, Hyundai,Ford, Nissan, Volkswagen, Porsche, Chevrolet, Rand Rover, Innova, Fortuner, Vios, Fiat, Bugatti, Ferrari, Bentley, Hummer , Chrysler, Dodge, Renault, Cadillac, Volvo, Subaru, Daihatsu, Ssangyong, Roll-Royce, Peugeot, Smart Fortwo, Tobe M'car, Luxgen, Zotye, Haima, Geely, Baic, Hongqi, Cmc, Mini Cooper, Buick, Opel, Acura, Aston Martin, Vinfast, TQ Wuling, BYD.
To keep your vehicle running properly at all times, we offer a number of services that are carried out by our certified, expert auto service and repair technicians who have years of experience performing everything from oil changes to a complete engine overhaul.
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