What insurance must a mortgage car buy?

According to the relevant laws and regulations of our country, the insurance that must be purchased for a car loan is compulsory insurance, and other insurances are optional insurance. However, when buying a car with an actual loan, compulsory insurance is rarely bought. Car dealers often tell you that if you don't buy these insurances, the car price will not be this price. In this case, you can try to negotiate the price with the car and try to reduce the types of auto insurance you buy.

In addition, you should buy insurance from one insurance company for at least one year, because if you need to change insurance, another insurance company needs you to provide a policy for the previous year.

What insurance must I buy for a mortgaged vehicle?

Mortgaged vehicles must be insured in 4S stores.

What insurance must I buy for a mortgaged vehicle?

1, according to national regulations, compulsory insurance is statutory insurance, with uniform terms and rates throughout the country. This kind of insurance mainly provides timely and basic protection for casualties and property losses caused by traffic accidents, and other insurances can be purchased selectively. In addition, it should be noted that it is best to pay the compulsory insurance for one year, because if you want to buy insurance from other insurance companies, the new insurance company will ask you to show your compulsory insurance policy for the previous year before you can apply. If you buy a car by credit card, the insurance is half a year. At the same time, it should be noted that the first year of compulsory credit card insurance is all-insurance.

2. For most car owners, they often buy third-party liability insurance and whole-vehicle theft and rescue, excluding deductible insurance. For beginners, it is inevitable that some vehicles will be lost due to nervousness, unfamiliar road conditions and poor technology. So I suggest that you can buy car damage insurance, which is an important guarantee for new cars and novices. You can compensate the insured vehicle for the losses caused by accidents such as collision according to the provisions of the contract.

In addition to insuring the car, you should also buy liability insurance for the people in the car for protection. As the saying goes, "the road is like a tiger's mouth", you should put personal safety first when driving. This kind of insurance compensates the injury caused by the accident of this vehicle within the limit of liability. Recommended for novice or frequent drivers, and drivers who often bring family or friends with them.

What insurance must I buy to buy a car?

Hello!

In general, it is best to buy compulsory insurance, third party liability insurance, vehicle personnel liability insurance and deductible insurance.

Automobile insurance mainly includes compulsory insurance and commercial insurance. Compulsory insurance is compulsory by the state. Compared with compulsory insurance, automobile commercial insurance is purchased by the owner himself.

Remind the majority of car owners to predict what risks they may encounter when choosing vehicle insurance, and then buy auto insurance products as needed.

The correct insurance method is: all the insurance that suits your own vehicle must be insured, and it must be fully insured to ensure that you can get full compensation from the insurance company in the event of an accident.

At present, there are many ways to insure auto insurance. You can choose to insure auto insurance directly from the auto insurance company, or through the internet or telephone.

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What insurance must a private car buy?

Hello, auto insurance is divided into compulsory insurance and commercial insurance. Compulsory insurance is compulsory and must be purchased by the state, while commercial auto insurance is optional. But here, I want to remind you that when choosing auto insurance, you should predict what risks you may encounter, and then choose auto insurance products as needed.

What insurance must the van buy?

Compulsory insurance is another kind of insurance that you must buy. You can refer to it: first, "car damage insurance" must be applicable to both new cars and old cars that have been in operation for two years. Even if you are a good driver, as the saying goes, "If you are not afraid of 10 thousand, you are afraid of one thousand." If one day you get hit or scratched, the repair shop will need a lot of money for a little repair, so don't worry if you take out car damage insurance.

Second, three risks: it is best to buy 200,000 lines of three risks. The maximum compensation limit for each accident is divided into several grades: 50,000 yuan, 6,543.8+10,000 yuan, 200,000 yuan, 300,000 yuan, 500,000 yuan, 6,543.8+10,000 yuan or more. Experts suggest that it is best to insure the three risks at 200,000 yuan or 500,000 yuan, especially for novices who just bought a car. They belong to the high-risk group of car accidents, so even if they accidentally have a car accident, they don't have to worry about not being able to take responsibility afterwards. If you choose between two levels of insurance, you can upgrade to one level of insurance.

Third, auto liability insurance has some tips. If you often take your family with you in your car, and you and your family have already taken out accident injury insurance and accident medical insurance, then as a private car, there is no need to take out vehicle personnel liability insurance. Because the coverage provided by accidental injury and accidental medical insurance basically covers the protection provided by vehicle personnel liability insurance. However, if you often take different people in your car, you'd better take out vehicle personnel liability insurance. The maximum compensation limit of vehicle personnel liability insurance is divided into several compensation grades: 1 ten thousand, 20 thousand, 50 thousand, 1 ten thousand.

Fourth, insure against glass risks and see clearly the types of glass. When insuring glass insurance, we should pay attention to choosing imported glass insurance or domestic glass insurance. The premium gap between the two is very large. Because domestic automobile glass is of high quality and low price, it can be compared with foreign countries, so we can consider choosing domestic glass, which can save about half of the insurance premium. Some car owners cherish their cars very much, just like the original ones, and have to choose imported glass. But if you don't pay attention to the types of glass insurance when you buy it, you will know that it is domestic glass insurance when you change the glass, which will bring you great trouble.

5. If you want to choose to exclude the deductible insurance, you'd better insure the special insurance excluding the deductible insurance. According to statistics, car damage insurance and third party liability insurance are the most widely used types of insurance for car owners. Only by taking out the special insurance without deductible can you get 100% compensation for the losses you should bear. Of course, according to different insurance companies, not all additional risks are deductibles, and some are "absolute deductibles" when the owner bears part of the expenses. Therefore, insurance experts remind the majority of car owners to ask about the types of insurance before buying.

What insurance must I buy to buy a car with a loan?

Generally speaking, buying a car with a loan requires buying auto insurance at the same time. Auto insurance is divided into compulsory insurance and commercial insurance. Compulsory insurance is statutory insurance, and uniform terms and rates are implemented throughout the country. As long as the vehicle is on the road, it must be insured with compulsory insurance first, even if it is picked up in different places, it has not been officially registered. Commercial insurance is your choice. Generally speaking, 4S stores require full insurance, and you need to pay a renewal deposit, which will be refunded after your loan is repaid. But if you fight for it, you can only do the following: compulsory insurance, excluding deductible insurance, three risks, car damage insurance, theft and emergency rescue. For beginners, it is inevitable that some vehicles will be lost due to nervousness, unfamiliar road conditions and poor technology. Therefore, it is best to buy all risks for vehicle insurance, such as car damage insurance. Car damage insurance is the main type of vehicle insurance. Generally speaking, it should be compulsory insurance, especially the compensation limit for property losses caused by compulsory insurance is low, and car damage insurance can be used as an effective supplement, so car damage insurance is an important guarantee for new cars. In addition to buying auto insurance, you should also buy driver insurance for protection, because auto insurance is to protect the car rather than the insured. As the saying goes, "the road is like a tiger's mouth", you should put personal safety first when driving. Despite our superb driving skills, we still have to guard against unpredictable external risks.

What insurance must I buy for a full car?

Insurance that must be bought for full car purchase: compulsory insurance (compulsory purchase). Commercial insurance (voluntary purchase).

Compulsory insurance includes: the liability limit of compulsory insurance for motor vehicle traffic accident liability.

First, the liability compensation limit of motor vehicles in road traffic accidents.

1. Death and disability compensation limit: 1 1 ten thousand yuan.

2. Compensation limit for medical expenses: 1 10,000 yuan.

3. Limit of compensation for property losses: 2,000 yuan.

Second, the liability limit of motor vehicles in road traffic accidents.

1. Death and disability compensation limit: 1 1 000 yuan.

2. Compensation limit for medical expenses: 1 1,000 yuan.

3. Property loss compensation limit: 100 yuan.

Commercial insurance generally includes:

Vehicle loss insurance

Third party liability insurance

Theft and rescue

Vehicle personnel liability insurance

Body scratch loss insurance

Separate glass breakage risk

Risk of spontaneous combustion loss

Marine insurance (engine loss insurance)

Designate special insurance.

You must buy compulsory insurance, as well as vehicle loss insurance and third party liability insurance.

Matters needing attention in purchasing auto insurance:

1, don't take off insurance when buying auto insurance:

Over-insurance means that the insurance time of the vehicle has expired and the insurance has not been renewed. It is very troublesome for the insurance company to check your car before buying auto insurance.

2. Pay attention to the purchase time of insurance:

Auto insurance is generally bought after a new car has obtained a certificate of approval. If you renew your auto insurance, you can buy auto insurance within one month after the expiration of the auto insurance in the previous year.

3. Choose the right insurance project:

The insurance for new cars should be as comprehensive as possible, especially for beginners, who need to buy car damage insurance, theft insurance, separate painting and separate glass. Of course, they have to choose tens of thousands of three insurances according to their personal economic situation. This can be based on your own economic conditions.

What insurance do you need to buy a car with a loan?

1. compulsory insurance: insurance that must be purchased regardless of whether there is a loan. 2. Vehicle loss insurance: the loss of the loan vehicle is guaranteed by a third party (insurance company). 3. Third-party liability insurance: In fact, sometimes the injured person is much more valuable than the loan car. 4. Rescue: Lenders are afraid of losing their cars. 5. Scratch insurance: high-end cars usually need to be purchased. As for "excluding deductible insurance", you only need to buy it with the purchased insurance. However, if you fight for it, you can only buy the following: compulsory insurance, excluding deductible insurance, tripartite insurance, car damage insurance and home invasion insurance. For beginners, it is inevitable that some vehicles will be lost due to nervousness, unfamiliar road conditions and poor technology.

How to buy insurance when buying a car with a loan?

You can directly contact the insurance company to renew your insurance when you borrow money to buy a car, and provide materials such as driving license and owner's ID card for renewal.

According to Article 11 of the Regulations on Compulsory Liability Insurance for Motor Vehicle Traffic Accidents, the insured shall truthfully inform the insurance company of important matters when applying for insurance.

Important matters include the type, brand model, identification code, license plate number, nature of use, name (name), gender, age, residence, identity card or driver's license number (organization code) of the motor vehicle, accident situation of the motor vehicle before renewal of insurance and other matters specified by the insurance supervision and administration institution of the State Council.

Extended data:

"Regulations on Compulsory Liability Insurance for Motor Vehicle Traffic Accidents" Article 10 When applying for insurance, the applicant shall choose an insurance company qualified to engage in compulsory liability insurance for motor vehicle traffic accidents, and the selected insurance company shall not refuse or delay underwriting. The insurance supervision and administration institution of the State Council shall announce to the public the insurance companies qualified to engage in compulsory liability insurance for motor vehicle traffic accidents.

Nineteenth motor vehicle traffic accident liability compulsory insurance contract expires, the applicant shall timely renew the insurance, and provide the insurance policy for the previous year.