In fact, insurance is very simple, but all of us often lack a car insurance thinking. What is car insurance thinking? Generally speaking, a car of more than 100,000, in addition to compulsory insurance, a year of car insurance is cheap, then five or six thousand, a year to pay a premium, if this year is OK, no claims, the money will be consumed, the second year to re-insurance can be, of course, if not out of risk, renewal may be 4s shop gift fuel card or several maintenance. When we get on the car insurance, we can basically choose to choose, such as vehicle damage insurance, third party liability insurance, theft insurance, car personnel liability insurance and so on. In the view of many owners, especially those who have insured for the first year, the basic options are selected; Of course, the second oldest driver will not think so, and many chicken rib options have learned to choose.
When buying car insurance, we hope to never be in danger, after all, in an accident, there is never a winner, whether the responsible party or not. Buy car insurance, we hope not to use, and in our hearts, we never want to get back the premium paid. But when we buy insurance for individuals, what do we think? Buy insurance, get out the insurance kind of works; Buy insurance. If it doesn't happen, can I get my premium back? As a result, most of the insurance sold to people has the function of "return", which is also the characteristic of many traditional insurance. No insurance, no claims, all premiums paid will be returned to you. However, the wool out of the sheep, the return of insurance in the end how expensive, less than seven or eight thousand, more than ten million also abound. Car insurance is lucky not to have an accident, but to buy their own insurance is useless, the premium can not get back is a loss;To be honest, this is really double standard!
Buy insurance, how to use car insurance thinking? The biggest problem of people and car insurance is a health notice, people can be insured when they are healthy, but if they are sick, a lot of insurance can not be insured, so we usually recommend that people's insurance be insured until 70 years old or life. If you can pay a piece of money, you will be safe for a lifetime, which is the simplest appeal. If you are simple, insurance is not complicated. For example, for most of us, what is the biggest fear? It's a serious illness, because a serious illness basically destroys your life savings. Then serious illness insurance is very important. But how to buy serious illness insurance? If your needs are simple: I hope that I have paid the money, when one day I need this insurance can be saved in a crisis, then a serious illness insurance with simple responsibility is enough, for a 30-year-old person, it is only about 3,000 yuan. If your needs are complicated: I hope I pay the money, if I get sick and need the insurance company to reimburse me, but if I don't get sick, I pay these premiums you have to pay me back. Such a return of serious illness insurance, the same protection needs at least 8,000 premiums. We're all trying to figure out how to make sure we don't lose, but if you take advantage, someone else does. To buy insurance for yourself and your family, you may want to use the car insurance thinking.
