Taking part in automobile insurance is considered an ideal solution to help you ensure the rights of body, life and property when participating in traffic. However, in addition to compulsory insurance, there are many voluntary insurance that make customers hesitate. Do not worry, this article we will share to you Top 4 information to know when buying professional car insurance.
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1. What is professional car insurance?
Professional car insurance is a broadly understood concept covering many types of insurance that can guarantee your benefits.
A type of insurance is considered professional when it has a high responsibility range, providing many utility services. Besides, when an unexpected incident or accident occurs, the insurance company pays compensation quickly and conveniently.
Currently, in addition to the compulsory civil liability insurance for motor vehicle owners, there are many other voluntary insurance packages for car owners. In particular, the most necessary is insurance for automobile material, insurance for goods transported in the car and accident insurance for drivers, assistant cars and passengers.
2. Some professional car insurance you should consult
Compulsory civil liability insurance for motor vehicle owners
- Participants: all vehicle owners participating in traffic in the territory of Vietnam
- Scope of liability: bodily, life and property damage to third parties and passengers on vehicles under contract of carriage due to unexpected incidents or accidents
Civil liability insurance for motor vehicle owners with cargoes
- Participants: all owners of cars use cars for the purpose of transporting business goods participating in traffic in the territory of Vietnam.
- Scope of responsibility: loss of goods transported on vehicles under the Civil Law, the cost of preserving and unloading of goods to prevent losses during the transport of goods
Auto physical damage insurance
- Conditions of participation: motor vehicles joining in traffic on the territory of Vietnam
- Scope of responsibility: damage to vehicle material due to accident, unintended accident, damage due to fire, explosion, fire, natural disaster, natural disaster, theft, theft of the whole vehicle
Accident insurance for drivers, assistant drivers and passengers
- Conditions of participation: people participating in traffic on motor vehicles in the territory of Vietnam
- Scope of liability: damage to body and life of the insured, including driver, assistant, and person sitting in the car due to an accident or incident.
3. Based on what factors to assess the professionalism of insurance
To know which auto insurance is professional to join, buyers must pay attention to the following factors:
- Is the level of liability on insurance appropriate to the needs of motor vehicle owners?
- How much is the compensation level, is it satisfactory?
- Utilities services provided by the insurance company such as free rescue, damage repair in large genuine garages,….
- Benefits that the insured receives
All this information will be clearly stated on the insurance terms so it can be easily reviewed and considered. Do not join voluntary insurance that does not bring you many benefits.
4. A number of professional auto insurance companies for you
To meet the needs of Vietnamese customers, more and more insurance companies were born. This makes it difficult for car owners to choose to participate in professional auto insurance to ensure all benefits.
Here are some professional auto insurance companies you can refer to:
- Petrolimex Pjico Insurance Company
- Petroleum PTI insurance company
- Mic Military Insurance Company
- Bao Viet Insurance Company
- Bao Minh Insurance Company
- Xuan Thanh Insurance Company
- BSH Insurance Company
- UIC Insurance Company
Most of these insurance companies have many years of experience in the field of automobile insurance and have links with many large automobile and garage maintenance centers nationwide.
Hopefully the top 4 information you need to know about professional auto insurance that we share on the article has helped you gain the basic knowledge to make your choice. Don't forget to choose the most professional car insurance company and insurance package to ensure your benefits.
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