Chapter 396: Refusal of Insurance (Addition to the Reader's 'Pain in the Heart')

Octavia Travel's two million insurance can still be used, and the guilty Xu Hong finally felt a little better, and said to the two embarrassedly: "I haven't paid attention to the problem of insurance, and I thought that I could only use it once, or add up to two million in a year." ”

"It's calculated separately each time. Fang Yuan warned Xu Hong, "Even if you can use it in full repeatedly, you will buy a car and get insurance in the future, but don't be careless when driving with a high insurance amount." ”

"Yes, the insurance company is not stupid, don't think you've picked up a big bargain. Sun Yanming glanced at the lively crowd next to him, and had to wait for them anyway, so he explained to Xu Hong, "If there is no insurance in a year, the premium for the next year will be discounted, but take us this time, assuming that we lose a full two million, Octavia Travel will not increase the premium for the next year, but don't think about the discount, it is equivalent to a disguised increase in the premium." ”

"I see. Xu Hong nodded heavily, and suddenly remembered a question, "If I have insurance eight times out of ten times a year, but the amount each time is not high, and I can't reach the insurance amount of two million after so many times, will the insurance company still give me a premium increase next year?"

"Even if you don't reach the amount of insurance, you don't need to use it many times, as long as there is a second time, it will go up 100%. Fang Yuan told Xu Hong that whether to increase the premium next year, the insurance company will consider it comprehensively according to the number of accidents and the amount of compensation.

Just like Sun Yanming said just now, once a year, don't worry about using up the sum insured of 2 million, the next year's premium is just no discount, but the premium will not increase.

However, as long as there is a second time, even if the amount is small each time, the premium will increase.

Fang Yuan gave Xu Hong a rough estimate of the increase in costs, which is generally a 25% increase in premiums in the next year, a 50% increase in three insurances, and a 75% increase in four times...... That's pretty much the approximate range.

Fang Yuan emphasized that there are too many insurance trips, and there is another problem that the insurance company will refuse to cover the insurance next year.

"Refuse insurance?" Xu Hong smiled embarrassedly, but he could understand the intention of the insurance company: this car owner has issued insurance so many times a year, how many dishes should he have to drive, God knows if he will hit a Rolls-Royce worth tens of millions, it is better to stay away from this uncle.

Xu Hong is not worried about the insurance company's refusal, there are so many large and small insurance companies in Huaxia, this one can just renew the insurance and change one, what are you afraid of?

"What are you afraid of?" Fang Yuan felt that Xu Hong's idea was too naïve, and he really took the insurance company for a fool?

People's insurance companies rely on this to eat, and the way that ordinary car owners think of, the insurance company has already plugged this loophole.

Don't look at those insurance companies who can come up with any way to compete for customers, but there is cooperation on some key issues.

For example, some insurance companies have information sharing agreements, and one insurance company refuses to renew the insurance policy because of the number of accidents, and it is estimated that it is also the same when it comes to another insurance company.

Just because I was on someone's blacklist, I didn't dare to serve you, the uncle.

Some fraudulent cars rely on their 4S stores or insurance companies to make money, and use the rules of the insurance company to make money, but they will sell the car after a certain number of times, because they are also worried about renewing the insurance.

Therefore, when buying a second-hand car, you must ask the car dealer about the situation of commercial insurance, so as to prevent the original owner from having too many accidents, resulting in an embarrassing situation when paying commercial insurance.

If you forget to ask about commercial insurance, whether the premium will be increased, you can only rely on providence or look at your face.

"Woon, information sharing, can you still play like this?" Xu Hong's old face that was still smiling just now immediately drooped down, and asked Fang Yuan helplessly, "This insurance company can't do it, and that insurance company can't do it, what else can I do?"

"You can find small insurance companies that don't participate in information sharing. Fang Yuan gave Xu Hong a suggestion, there are not all large insurance companies in Huaxia, there are still some small insurance companies, you can go to them to give it a try, maybe you can buy insurance smoothly.

At this time, Xu Hong was a little helpless, he thought that if the number of accidents was too much, he would be blocked by large insurance companies, resulting in his car being unable to be insured, he was really a little afraid: "I think I will buy a car in the future, or I can not let the insurance company out of insurance, so I won't trouble them, and it is better to solve it by myself than to be out of insurance without insurance." ”

"Brother Xu, it's a mistake for you to think so. Fang Yuan disagrees with Xu Hong's idea, buying insurance is not only to meet the country's regulations, to be able to have the right of way normally and not be greeted by the traffic police, but should be a kind of protection.

Sometimes when waiting for a red light, or on the highway, you can see some car owners who take the initiative to stay away from luxury cars, don't laugh, don't look down on them, because now and the previous era when a Jetta sold for 1780,000 yuan is different, luxury cars are everywhere in the streets and alleys, and Rolls-Royce is like a cow's hair, and you really dare to get on a luxury car that you can't afford to provoke.

A luxury car like a Rolls-Royce, if you change it to a China Network 1450,000, there is no more Civic.

After replacing a rear fenders, more than 270,000, a Magotan is gone.

More than 200,000 cars were painted, and a Highlander was gone.

......

These luxury cars ordinary people really can't afford to be scared, and they are fully responsible for touching luxury cars, and there are fewer tragedies in the world where their insurance is not enough and they can only sell their houses?

So as long as you don't have a mine at home, it's not wrong to stay away from these luxury cars when you encounter them on the road.

As a precautionary measure, it is to buy commercial insurance high, especially in big cities, the third party insurance should be bought more than 1.5 million, and it is best to reach the level of 2 million, plus the third party does not count the deductible.

There is also a point to pay attention to when driving, whether it is waiting for a traffic light, or on the highway, keep a distance from those luxury cars, others laugh at it, if something happens to them, they don't pay a penny for themselves, and not getting into trouble is the best explanation for themselves and their families.

In case of an accident on the road, a small scrape between ordinary cars can be private, and when the amount of money involved is large, the police should be called or the police, even if the premium increases in the next year, it can only be admitted.

"Hmm. I understand. Fang Yuan babbled so much, Xu Hong could feel his good intentions, and he still had to find an insurance company when he encountered something, after all, they were the best protection for his property and family, even if the premium increased, it was 10,000 times stronger than selling a house and a car.

Fang Yuan and Sun Yanming gave Xu Hong 'word therapy' here, and finally dispelled the guilt in his heart, Xu Hong was very grateful to the two, although he didn't say anything, but he felt that Fang Yuan and Sun Yanming were both reliable leaders, and it was comfortable to follow such a leader.

He had secretly made up his mind that he would work hard with Fang Yuan in the future and strive to buy a car and a house as soon as possible.