One place, one rule, it is best to ask the car dealer clearly, and then call the insurance company to ask clearly.
2. What expenses are included in car insurance and how to make accounting entries?
The insurance premium bought when buying a car cannot be included in the cost of the vehicle, but should be included in the relevant expenses according to the purpose of the vehicle. If the vehicle is specially used by the sales department for delivery, it should be included in the sales expense-insurance premium, and other expenses should be included in the management expense-insurance premium. # # # Vehicle purchase price, vehicle purchase tax and other expenses directly related to vehicle purchase are included in the original value of fixed assets.
Insurance premium should be included in the period expenses, such as management expenses.
Borrow: management fee-vehicle insurance fee
Loan: bank deposit (or cash)
# # # included in the vehicle cost.
# # # Management fee-insurance fee
# # # Company purchases automobiles: fixed assets, automobiles, compulsory automobile liability insurance, automobile insurance, prepaid expenses, property insurance, annual automobile payment, management expenses, travel expenses, bank loans for automobile purchase, long-term payables and Xu Hejie loans for automobile purchase;
Other payables XXx
Pay some cash for the car wash.
Should be included in the cost,
Borrow: management fee
Credit: cash on hand, etc.
Third, ask a question about auto insurance with loans.
Hello, I used to work in an insurance company. Before you repay the loan, strictly speaking, you are not the owner, but this is a special agreement of the bank. One of them must be the beneficiary, and it must be written by the bank. So it's more troublesome for you to take the invoice to the insurance company to report what's wrong with the car, and then get the insurance policy and related procedures. If you have an invoice, you will have a policy number. Just report an accident and say your policy number ~! Does not affect normal claims ~! Give it to me. Ha ha laugh
4. What insurance do you need to buy a car with a loan?
1, compulsory insurance: insurance that must be purchased, regardless of whether or not to lend.
2. Vehicle loss insurance: the loss of the loan car 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. Theft and rescue: Lenders are afraid of losing their cars.
5, scratch insurance: high-end cars usually need to be purchased.
As for "excluding deductible insurance", just buy it with the insurance you bought. But if you fight for it, you can only buy the following items: compulsory insurance, excluding deductible insurance, three insurances, car damage insurance and theft insurance. For beginners, it is inevitable that some vehicles will be lost due to nervousness, unfamiliar road conditions and poor technology.