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什么是汽车保险零折旧率 Blog Featured Image
Video Series保险360

什么是汽车保险零折旧率

  欢迎收看保险360, 我是 Cassandra。身为车主,你一定会尽一切可能让你的车子维持在最好的状态。 但是,万一发生事故了,你需要一笔资金去修理你的汽车来恢复事故发生前的状态。 保险公司在进行理赔时,都会以车子发生事故前的状态作为衡量标准而进行理赔,并不是以全新车子状态进行理赔。因此,你的理赔金额可能会比较低,所以你也可能会需要自掏腰包补上修理费的结余。 你会问为什么?这是因为,车子都有折旧率。什么是折旧率呢?也就是英文所说的Depreciation Value。以最简单的方式去了解,就是资产降值了, 比如新车永远都会比二手车来的贵, 其他资产也是相同的道理。 也因为有折旧率的关系,许多保险公推出了车险零折旧率,也就是zero depreciation,以提供车主更完善的保险配套。 那什么是车险零折旧率呢?其实这是综合性保险配套的附加选项,车主可依据本身的意愿去选择是否需要此选项。一般上,保险公司都会建议购买新车的车主选择这个附加选项。为什么呢?车险零折旧率到底有什么好处?尽管车主可能会付比较高的保险费,但从长远的角度来看,一旦车主在发生事故后,车主便无需担心修理费的问题,因为保险公司将会赔偿更高的理赔金额。这主要也是因为,保险公司将不会因汽车零件的折旧率来扣除你的理赔金额。刚刚我们有提到,一般保险公司都会建议购买新车的车主添加这个附加选项。那么,你可能会问,如果我是购买二手车呢?又或者,我是否真的需要呢?其实这个答案可以从几项因素作为衡量标准。 首先,大部分保险公司只会为车龄少于5年以上的车主提供此附加选项。这是因为,车龄越大的汽车,汽车零件的折旧率就会越高、修理的费用也可能更高,因此,保险公司一般不会为车龄大的汽车提供此附加选项。其次,汽车保险会因为汽车品牌和型号而有所不同,所以如果你的汽车零件比较贵,也会建议你加额购买此选项, 因为这可以更全面的保障你的需求,以至于你无需担心因事故所造成的损失。 再来,就是车主的个人因素,这也包括了车主是否是新手或是经验不足的驾驶者,以及车主所居住的城市。一般新手发生车祸率会比经验丰富的驾驶者来的高,加上如果车主居住在繁忙的城市如雪隆区,一般都会建议车主购买这个附加选项。 希望通过今天的视频,你已经更了解车险零折旧率的好处和加额购买此选项的条件及考量因素。如果你喜欢我们的保险360系列,记得按赞与分享!记得订阅我们的频道还有开启小铃铛,这样你就不会错过新影片的通知。 我们下次见!...

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Welcome To Your Malaysia One-stop Insurance Blog

Insurance is an essential aspect in terms of securing oneself in the event of a liability. Insurance isn’t treated as an investment, but rather as a hedge in the event of an unpredictable event. However, the same research that goes into investment also goes into insurance because it’s something that ends up having a financial impact (or otherwise) on you. And while an individual can secure various aspects of their lives through insurance, it can be hard to comb through information spread across various domains.

The Need For An Insurance Blog

Research into insurance can be an extensive and exhaustive process. Insurance research includes looking for the type of insurance you want first. A person has the option of life insurance, health insurance, motor insurance, car insurance, auto insurance, general insurance, etc.) Then, it’s important to evaluate the sub-type of insurance you’re looking for, and the cover you’re looking for as well. Depending on the type of insurance, an individual will have several options to choose from and customize their insurance policies. After that, you need to analyze, compare, and evaluate the insurance options available at your disposal. You can only do so if you have information, analytics, and data that’s easily accessible to enable you to make an informed decision.

The Solution – FinCrew

As the need for insurance grew, so did the need for education and access to insurance information. And insurance buyers aren’t looking for just information. They’re looking for meaningful information so that they can make an informed decision. More often than not, these critical decisions lead to insurance purchases. We realized that insurance buyers have a hard time and limited options when buying insurance because of a lack of information made available to them. Fincrew was developed to bridge the gap of giving insurance buyers the information they’re looking for, important data points, and the latest news in one place. Whether you’re looking to buy new insurance, renew existing insurance, evaluate insurance and quotes, evaluate insurance providers, features of various insurance policies, read news impacting insurance policies, and more, the Fincrew blog has got you covered.

Fincrew insurance blog is dedicated to bringing you the latest insurance news, articles on insurance, and a guide to help insurance buyers evaluate and buy the best insurance suited to their needs. This means that any potential insurance policy buyer looking for information on any insurance can find it on Fincrew, one of the best insurance blog in Malaysia.

1. Insurance Guide

If you’re starting out and looking for information on the various types of insurance, our comprehensive insurance guide will help you understand, analyze, evaluate, and compare insurance in Malaysia. If a person is looking for life insurance, then they need to know what term life insurance is. Your insurance guide helps you understand the different insurance plans, insurance coverage, premium payments, annual limits, policy terms and conditions, and more in a comprehensive, yet easy to understand format.

2. Insurance Articles

The blog is also home to several various insurance topics covered in the form of in-depth articles on the Insurance Industry. The insurance articles break down and analyze various components that you need to be aware of when making an insurance decision. The articles are periodically updated to reflect the latest information so that viewers have access to the right information at all times. So you have access to information and articles based on car insurance, general insurance, health insurance, life insurance, motor insurance, the advantages of having insurance, or which provider may be a better insurance provider for you.

3. Insurance News Malaysia

The insurance industry is continuously developing, and much news-based information can impact how you avail insurance in Malaysia. It’s crucial to stay up-to-date with the latest insurance news, Malaysia. As this does have a bearing on your current or future policies. This includes news from corporations, agencies, media, the government, insurance providers, among many others. With extensive coverage of past events as well as current affairs, this section will help you understand how you can use this to make decisions in the present and future.

 

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