Because of the characteristics of work or the needs of daily life, many people today choose 4-seat cars as their means of transportation. However, when buying a car, they were advised about many different types of insurance but did not have specific knowledge, so they were extremely confused.
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 people who buy 4-seat cars are required to buy one Civil liability insurance. Understandably, this type of compulsory automobile insurance operates on the principle of compensating the small majority. This means that the fee for participation of everyone will be pooled into a fund and ready to take out compensation payments for a few people who have unexpected problems.
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.
Typically, each civil liability auto insurance will have a term within 1 year with the date indicated on the insurance. Therefore, do not forget to regularly review the insurance to buy it back in time, if there are problems that insurance expires will not 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-seat car and getting insurance, you should pocket some money reputable insurance company currently on the market to ensure both price and quality. Mainly famous companies with many years of experience and direct links with major vehicle maintenance centers.
3 brightest names are:
Let's pocket 5 useful information about 4 seat auto insurance to make the right choice to ensure your interests!
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