Because of the characteristics of the job or the needs of everyday life, many people now choose 4-seater cars as a means of transportation. However, when buying a car they are advised on many different types of insurance but they do not have specific knowledge, so it is very surprising. The following article, let's find out Top 5 information to know about car insurance 4 seats to get ready to the most suitable insurance company.
Under the current Law, 100% of people buying a 4-seater car are required to buy 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 liability scope of civil liability automobile insurance is 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.
+ Note: Car theft and theft insurance
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:
Let's pocket 5 useful information about 4 seat auto insurance to make the right choice to ensure your interests!
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