新車乙式保險請益 - 汽車
By Liam
at 2019-09-18T21:18
at 2019-09-18T21:18
Table of Contents
各位車版的大大好,最近已經下定Tiguan,正在和業務討論保險
車主是我的名下,男性26歲,平時周末才會用到車,自己和女友輪流開,
一年大概會載家人3、4次,車上人數最多5人。
下方為業務第一次傳來的富邦產險報價單,
https://imgur.com/mEs5HTl
看完後參考版上文章調整項目如下:
1. 車體險約定駕駛,並刪除免追償
2. 調整第三責任險保額 -- 傷害 ------ 調高至 2,000,000
-- 事故總額 --- 調高至 10,000,000
-- 財損 ------ 降低至 200,000
3. 刪除駕駛人傷害及傷害醫療險,因為已經有保自己的醫療險了
4. 刪除乘客體傷責任險
5. 增加失能增額保額 8,000,000
調整後報價單如下:
https://imgur.com/Rljlvvd
目前未含約定駕駛九折折扣,想請教還有其他增減的建議嗎?
業務說不太建議保約定駕駛,理由有幾項:
1. 理賠範圍比較小
--->我跟女友以外的人會用車頂多就我爸看我換車那天試開一下而已
2. 合約快到期時不能出險做整理
--->這樣第三年的保費就不能有折扣了,而且我有打算做全車貼膜
3. 業務幫客戶保約定駕駛要寫報告
--->業務說過去有約定駕駛客戶要出險被刁難,引起客戶抱怨,所
以公司不希望業務幫忙保約定駕駛。
目前這個業務的服務還不錯,只是約定駕駛這部分不太能夠說服我,
除了上面的保險項目建議以外、要不要約定駕駛這部分也想請教各位
謝謝!
--
Tags:
汽車
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