In other words, the shopping guide minimizes the profits of the merchants, and the consumers go to the third-party merchants for consumption through the shopping guide, and the third-party merchants give the shopping guide a certain profit commission, and the shopping guide returns a part of this commission to the consumers.
That is, the discount of commercial insurance is equivalent to 30% discount. The travel tax and compulsory insurance of each company are the same, but the rebate of commercial insurance is different. The higher the rebate, the greater the discount and the cheaper the insurance. Rebates are different from discounts. The discount is calculated according to the number of adventures consumers took last year. Don't risk a 60% discount for one year, a 50% discount for two years, and a 7.2% discount for one adventure. This is automatically recognized by the system, and the rebate of commercial insurance is given to consumers according to the policies or activities at that time.
Extended data:
Advantages: The beauty of this model is that all businesses or customers who participate in this model can get tangible results. Then everyone will benefit, and some people will not. What is not affordable is the competitors who participate in the return mode, and customers will gradually flow from being their consumers to the merchants who do the return mode.
Disadvantages: By the end of June 2008, the number of automobile drivers in China had reached 654.38+53 million, ranking among the top in the world. However, the penetration rate is very low, still lower than the global average. So the prospect of returning to the industry depends on the number of people and the rise and fall of the industry. This is the disadvantage of auto insurance rebate.
Purchasing principle
First, give priority to buying full third party liability insurance.
The third party is the most important type of automobile insurance. After all, you don't have to drive if the car is destroyed, but the compensation of others can't be exempted. When buying auto insurance, we should put the ability to compensate others for losses in the first place.
Second, the insurance amount of the three risks should refer to the local compensation standard.
The compensation standards are different across the country. According to the maximum compensation standard of auto insurance, if 1 person dies, the maximum compensation in Shenzhen can reach 1.5 million yuan, and the maximum compensation in Beijing may be 800,000 yuan. For example, in the traffic accident in 2008, one person died, and the deceased was 30 years old. The compensation is calculated as follows, and it is estimated that 600,000 yuan will be needed.
Third, after buying enough personal insurance in the car, buy car damage insurance.
Fourth, buy car damage insurance first, and then buy other types of insurance.
Traffic accidents are often accompanied by car damage, so there is no need to say more here.
Five, the purchase of three insurance, driver passenger seat liability insurance, car damage insurance deductible insurance.
Spend a little more money, so that the insurance company won't deduct the fee when it claims.
Six, other insurance (theft insurance, glass insurance, spontaneous combustion insurance, scratch insurance) combined with their own needs to buy.
For example, other types of insurance, such as burglary insurance, glass insurance, spontaneous combustion insurance, scratch insurance and so on. Compared with the above-mentioned risk of 1-5, it will not have a serious impact on family happiness and finance.
Insurance characteristics
The compensation method of motor vehicle insurance is generally repair, but if the replacement price of the vehicle is cheaper than the repair cost, the insurance company is likely to claim total loss of the vehicle. Generally speaking, the insured amount of motor vehicle insurance is the purchase price of the new car or the value of the vehicle at the time of insurance. However, when the vehicle depreciates in use, the insurance company will set an absolute deductible, so in the case of total loss, the indemnity will definitely be lower than the insured amount. The insurance period of this kind of insurance is generally within one year. If there is no claim within the insurance period, you can enjoy the preferential rate of no compensation when you renew your insurance.
(1) The risk rate of the subject matter insured is high.
Motor vehicles are means of transportation, and the normal state is to keep moving, which is easy to cause personal and property losses due to collision. Moreover, due to the imperfection of early administrative licensing procedures, many drivers do not have basic operating skills. Traffic facilities and management have been gradually improved, and the accident rate of motor vehicles is high.
(2) There are many businesses and high insurance rates. ?
Due to the high accident rate of motor vehicles, motor vehicle owners and traffic management departments transfer risks through insurance, so motor vehicle insurance business increases and insurance rates are high.
(3) The types of insurance are complex and professional, which is easy for consumers to misunderstand.
Motor vehicle insurance is divided into basic insurance and additional insurance, of which additional insurance cannot be insured independently. Basic insurance includes third party liability insurance (three liability insurance) and vehicle loss insurance (vehicle damage insurance); Additional risks include vehicle theft, vehicle liability insurance, no-fault liability insurance, vehicle cargo falling liability insurance, glass breakage insurance, vehicle stop loss insurance, spontaneous combustion loss insurance, new equipment loss insurance, special insurance without deductible, etc. However, many types of insurance can not be understood literally, and some insurance company staff are misleading when introducing insurance, which leads to consumers' inability to better understand the terms of various types of insurance, resulting in misunderstandings and disputes.
④ Uncertainty.
As motor vehicles travel on land with great mobility and irregular travel, it undoubtedly increases the uncertainty and unpredictability of dangerous accidents and insurance losses for insurers.
(5) Expand insurable interest.
For example, as long as the insured allows qualified drivers to use the insured motor vehicle, and an insured accident as stipulated in the insurance contract occurs, resulting in property losses or personal injuries to a third party, the insurer shall be liable for compensation. When the insurer undertakes this responsibility, the condition only requires that the driver is a qualified driver and the insured agrees to drive the insured motor vehicle, but does not require him to own, possess or manage the motor vehicle. This is actually the expansion of insurable interests in insurance contracts and the amplification of insurance liability.
(6) Free preferential treatment.
Non-indemnity preferential treatment is a unique system of motor vehicle insurance, and its core is to solve the problem that insurance premium is directly related to actual loss under the condition of uneven risk distribution.
In order to encourage the insured and their drivers to strictly abide by the traffic rules and drive safely, the motor vehicle insurance business in various countries adopts the "no compensation preferential treatment" system.
(7) safeguarding public interests.
Motor vehicle third party liability insurance, as a liability insurance business inseparable from motor vehicles, is a statutory insurance business in most countries. The reason why countries treat this business specially is to safeguard the public interest, that is, to ensure that the victims of road traffic accidents can get effective economic compensation. Therefore, automobile insurance is the best way to protect drivers' personal rights and interests.
References:
Baidu encyclopedia-motor vehicle insurance