一分赛车

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专用保险·延长保修

业务介绍·专用保险常识·理赔须知

机动车保险

  • 强制险

    交强险

     
     
    国家规定强制购买的保险
     
     
     

  • 商业险

    基本险

    机动车损失保险
    机动车第三者责任保险
    机动车车上人员责任保险
    机动车全车盗抢保险
     
     

    附加险

    玻璃单独破损险
    自燃损失险
    车身划痕损失险
    发动机涉水损失险
    不计免赔率
    其他附加险

机动车交通事故责任强制保险

责任限额是什么?

  • 交强险合同中的责任限额是指被保险机动车发生交通事故,保险人对每次保险事故所有受害人的人身伤亡和财产损失所承担的最高保险金额。
  • 责任限额分为死亡伤残限额、医疗费用赔偿限额、财产损失赔偿限额以及被保险人在道路交通事故中无责任的赔偿限额。
  • 其中无责任的赔偿限额分为无责任死亡伤残赔偿限额、无责任医疗费用赔偿限额以及无责任财产损失赔偿限额。

每次事故的赔偿限额是多少呢?

  • 有责任事故

    死亡伤残赔偿
    110000元

    医疗费用赔偿
    10000元

    财产损失赔偿
    2000元

  • 无责任事故

    死亡伤残赔偿
    11000元

    医疗费用赔偿
    1000元

    财产损失赔偿
    100元

责任免除

  • 因受害人故意造成的交通事故的损失
  • 被保险人所有的财产以及被保险机动车上的财产遭受的损失
  • 被保险机动车发生交通事故,致使受害人停业、停驶、停电、停水、停气、停产、通讯或者网络中断、数据丢失、电压变化等造成的损失以及受害人财产因市场价格变动造成的贬值、修理后因价值降低造成的损失等其他各种间接损失
  • 因交通事故产生的仲裁或者诉讼费用以及其他相关费用

机动车辆损失险

  • 0 1

    保险责任

    a.PENGZHUANG、QINGZHUANG、ZHUILUO

    b.HUOZAI、BAOZHA

    c.WAIWUZHUILUO、QINGTA

    一分赛车d.YILIEMINGDEZIRANZAIHAI(XIANGJIANBAOXIANTIAOKUAN)

    e.SUOZAICHESHANGHUOWU、RENYUANZHUANGJI

    f.ZAIYUNBEIBAOXIANJIDONGCHEDEDUCHUANZAOSHOUZIRANZAIHAI (ZHIXIANYUJIASHIRENSUICHUANDEQINGXING)

  • 0 2

    免赔率

    一分赛车a.SHIGUZERENMIANPEI:QUANZE20%,ZHUZE15%,TONGZE10%,CIZE5%

    b.YOUDISANFANGPEICHANG,WUFAZHAODAODISANFANG,SHIXING30%JUEDUIMIANPEILV

    一分赛车c.WEIFANANQUANZHUANGZAIGUIDING,DANFEISHIGUZHIJIEYUANYIN,ZENGJIA10%JUEDUI MIANPEILV

  • 0 3

    常见的责任免除

    一分赛车a.GUYIPOHUAI、WEIZAOXIANCHANG

    b.LIKAIXIANCHANG

    c.YINJIU、DUPIN

    d.DIZHEN

  • e.ZHANZHENG、BAOLUAN

    一分赛车f.GONGYOU、GAOWEN、ZIRAN、BUMINGYUANYINDEHUOZAI

    g.WEIFAGAIZHUANG

    一分赛车h.CHELUN/BOLIDANDUSUNHUAI

车上人员责任保险

  • 0 1

    保险责任

    BAOXIANQIXIANNEI,BEIBAOXIANRENHUOQIYUNXUDEJIASHIRENZAISHIYONGBEIBAOXIANJIDONGCHEGUOCHENGZHONGFASHENGYIWAISHIGU,ZHISHICHESHANGRENYUANZAOSHOURENSHENSHANGWANG,BAOXIANRENANHETONGGUIDINGYUEDINGFUZEPEICHANG

  • 0 2

    免赔率

    SHIGUZERENMIANPEI:QUANZE20%,ZHUZE15%,TONGZE10%,CIZE5%

  • 0 3

    常见的责任免除

    a.GUYIPOHUAI、WEIZAOXIANCHANG

    b.LIKAIXIANCHANG

    c.YINJIU、DUPIN

    d.WUZHENGJIASHI

    e.DIZHEN、ZHANZHENG、BAOLUAN

  • 一分赛车f.BEIBAOXIANREN、JIASHIRENDEGUYIXINGWEI

    g.CHESHANGRENYUANJIBING、FENMIAN、FANZUIXINGWEIZAOCHENGDEZISHENSHANGWANG

    一分赛车h.WEIFA、WEIZHANGDACHENGRENYUANDERENSHENSHANGWANG

机动车第三者责任保险

  • 0 1

    保险期限内

    一分赛车BAOXIANQINEI,BEIBAOXIANRENHUOQIYUNXUDEJIASHIRENZAISHIYONGBEIBAOXIANJIDONGCHEGUOCHENGZHONGFASHENGYIWAISHIGU,DUIDISANZHEZAOCHENGDERENSHENSHANGWANGHUOCAICHANZHIJIESUNSHI,BAOXIANRENANHETONGGUIDINGYUEDINGFUZEPEICHANG

  • 0 2

    常见的事故

    一分赛车a.CHELIANGXINGSHIZHONGPENGZHUANGXINGREN、PENGZHUANGZIXINGCHEZAOCHENGDUIFANGRENSHENSHANGHAI

    一分赛车b.CHELIANGXINGSHIZHONGYUQITACHELIANGXIANGZHUANGZAOCHENGDUIFANGCHELIANGSUNSHANG

    一分赛车c.CHELIANGXINGSHIZHONGPENGZHUANGDIANXIANGAN、GAOSUGELIDAIDENGGONGGONGSHESHIDESUNHUI

  • 0 3

    免赔率

    a.SHIGUZERENMIANPEI:QUANZE20%,ZHUZE15%,TONGZE10%,CIZE5%

    b.WEIFANANQUANZHUANGZAIGUIDING,SHIXING10%JUEDUIMIANPEILV

  • 0 4

    常见的责任免除

    a.GUYIPOHUAI、WEIZAOXIANCHANG

    b.LIKAIXIANCHANG

    c.YINJIU、DUPIN

    d.DIZHEN、ZHANZHENG、BAOLUAN

    e.DISANZHEGUYIXINGWEI、FANZUIXINGWEI、EYICHUANTONGXINGWEI

    f. LVSHIFEI、SUSONGFEI、ZHONGCAIFEI

机动车全车盗抢险

  • 0 1

    保险责任

    一分赛车a.BAOXIANJIDONGCHEBEIDAOQIE、QIANGJIE、QIANGDUO,JINGCHUXIANDIXIANJIYISHANGGONGANXINGZHENBUMENLIANZHENGMING,MAN60TIANWEICHAMINGXIALUODEQUANCHESUNSHI

    一分赛车b.BAOXIANJIDONGCHEBEIDAOQIE、QIANGJIE、QIANGDUOHOU,SHOUDAOSUNHUAIHUOCHESHANGLINGBUJIAN、FUSHUSHEBEIDIUSHIXUYAOXIUFUDEHELIFEIYONG;

    c.BAOXIANJIDONGCHEBEIQIANGJIE、QIANGDUOGUOCHENGZHONGSUNHUAI,SHOUDAOSUNHUAIXUYAOXIUFUDEHELIFEIYONG。

  • 0 2

    常见的责任免除

    a.BUNENGCHUJUDANGDIXIANJIGONGANBUMENCHUJUDEDAOLIANZHENGMING

    一分赛车b.GUYIPOHUAI、WEIZAOXIANCHANG

    c.DIZHEN、ZHANZHENG、BAOLUAN

    d.BEIBAOXIANREN、JIASHIRENDEGUYIXINGWEI

    e.FEIQUANCHEDAOQIANG

    f.XINZENGSHEBEISUNSHI

  • 0 3

    免赔率

    一分赛车a.FASHENGQUANCHESUNSHIDE,JUEDUIMIANPEILVWEI20%

    一分赛车b.FASHENGQUANCHESUNSHIDE,BEIBAOXIANRENWEINENGTIGONG《JIDONGCHEDENGJIZHENGSHU》、JIDONGCHELAILIPINGZHENGDE,MEIQUEYIXIANGZENGJIA1%DEJUEDUIMIANPEILV

玻璃单独破碎险

  • 0 1

    保险责任

    BEIBAOXIANJIDONGCHEFENGDANGBOLIHUOCHECHUANGDEDANDUPOSUI

  • 0 2

    常见的责任免除

    a.ANZHUANG、WEIXIUGUOCHENGZHONGDEBOLIDANDUPOSUI

    一分赛车b.DENGJU、CHEJING、TIANCHUANGBOLI

自燃损失险

  • 0 1

    保险责任

    YOUYUBEIBAOXIANJIDONGCHEZISHENYUANYINHUOSUOZAIHUOWUZISHENYUANYINQIHUORANSHAOZAOCHENGBENCHESUNSHI

  • 0 2

    免赔率

    一分赛车a.ZIRANJINZAOCHENGDIANQI、XIANLU、YOULU、GONGYOU、GONGQIXITONGDESUNSHI

    一分赛车b.SHANZIGAIZHUANG、JIAZHUANGDIANQIJISHEBEIDAOZHIDEQIHUO

    c.RENGONGZHIJIEGONGYOU、GAOWENHONGKAODECAOZUOZAOCHENGDESUNSHI

车身划痕损失险

  • 0 1

    保险责任

    BEIBAOXIANJIDONGCHESHIYONGGUOCHENGZHONG,FASHENGDEWUMINGXIANPENGZHUANGHENJIDECHESHENHUAHENSUNSHI

  • 0 2

    常见的责任免除

    a.BEIBAOXIANREN、JIASHIRENDEGUYIXINGWEI

    一分赛车b.YINTOUBAOREN、BEIBAOXIANRENYUTARENDEMINSHI、JINGJIJIUFENDAOZHIDESUNSHI

    一分赛车c.CHESHENBIAOMIANZIRANLAOHUA、SUNHUAI、FUSHIZAOCHENGDESUNSHI

发动机涉水损失险

保险责任

BEIBAOXIANJIDONGCHESHIYONGGUOCHENGZHONG,YINFADONGJIJINSHUIDAOZHIDEFADONGJIZHIJIESUNSHI

不计免赔率

  • 0 1

    保险责任

    一分赛车BAOXIANSHIGUFASHENGHOU,ANZHAODUIYINGTOUBAOXIANZHONGYUEDINGDEMIANPEILVJISUANDE,YINGDANGYOUKEHUZIXINGCHENGDANDEMIANPEIJINEBUFEN,BAOXIANGONGSIFU ZEPEICHANG

  • 0 2

    常见的责任免除

    a.JIDONGCHESUNSHIBAOXIANZHONGYOUDISANFANGFUZEPEICHANGERWUFAZHAODAODISANFANGDE

    b.WEIFANANQUANZHUANGZAIGUIDINGERZENGJIADE

    一分赛车c.FASHENGJIDONGCHEQUANCHEDAOQIANGYUEDINGDEQUANCHESUNSHIBAOXIANSHIGUSHI,BEIBAOXIANRENWEINENGTIGONG《JIDONGCHEDENGJIZHENGSHU》、JIDONGCHELAILIPINGZHENGDE,MEIQUEYIXIANGZENGJIADE

    d.JIDONGCHESUNSHIBAOXIANZHONGYUEDINGDEMEICISHIGUJUEDUIMIANPEIE

为什么要投保不计免赔率附加险

ZAICHELIANGSUNSHIXIAN,DISANZHEZERENBAOXIANDENGJIBENXIANZHONG,JUNCUNZAISHIGUZERENMIANPEILV,JIGENJUBAOXIANJIDONGCHEYIFANGZAISHIGUZHONGSUOCHENGDANDEZERENBILIQUEDINGDEMIANPEILV,JULILAISHUO, FASHENGDANCHESHIGUSHI,BAOXIANJIDONGCHEYIFANGFUQUANBUSHIGUZEREN,SHIGUMIANPEILVWEI20%。YEJIUSHISHUO,JIASHECHELIANGSUNSHIDEXIULIFEISHI2000YUAN,ZEYIJUBAOXIANTIAOKUAN,BAOXIANGONGSI PEIFUDEBAOXIANJINWEI2000*(1-20%)=1600YUAN,YOU400YUANSHIXUYAOTOUBAORENLAICHENGDANDE。