新車隔熱紙、鍍膜與保險 - 開車
By Edwina
at 2021-11-28T18:44
at 2021-11-28T18:44
Table of Contents
家裡的福特開了 20 年,打算換車好一陣子了,前幾天終於簽了一台 VIOS 經典
從隔壁板找到距離跟報價都可以接受的業務,折扣五萬送車身隔熱紙跟一些小東西成交
目前在考慮保險、前檔隔熱紙跟鍍膜,想來請教幾個問題
1.
業務送的車身隔熱紙可以選 FSK CF180 / 3M 8803C / 3M 8702M
考慮到安全性,目前預計選透光率較高的 3M 8702M 加減用,暫不考慮加價升級極光
(沒有很在意隱私性,另外感覺車身再怎麼隔熱頭頂都還是有一大塊鐵板在吸熱)
前檔預計自費 3M M70,但業務目前報價 7500 感覺偏高?
我在網路上看到兩三個人說 M70 前檔 6000 可以搞定是嗎?
2.
我媽一直吵著說要鍍膜,但業務目前報價黑鑽鍍膜 10000 也不便宜,覺得有點猶豫
爬了不少文發現正反意見都有,還是很難決定,原本想說還是算了
我們住的地方滿常下雨,但之後應該上下班都停室內(至少上班期間確定是室內)
且我爸說新車買來會勤洗車(自助洗)
還是想聽聽看大家對於這種情況有沒有需要鍍膜的建議?
3.
我請業務提供了富邦跟新光的報價,富邦比新光貴 801 元
https://imgur.com/a/Jwy5SBK
家裡原本保富邦,之前出險過一次第三責任財損,覺得理賠還滿乾脆的
想請問這兩家大家會怎麼選擇?
4.
如果車子只有家人開,不會借給朋友,是不是就不用加「免追償附加條款」?
5.
看到有人說如果想降低保費,可以考慮加一點車體險或竊盜險的自負額
想請問會建議這樣做嗎?
6.
跟上題有關,業務說如果第一年沒有出險,可以在繳第二年保費後出個險
換黑鑽鍍膜或部分損傷處重新烤漆,想請問會建議這樣做嗎?
他說如果第三年之後車體險從乙式降到丙式,就算保費沒有降低也沒差?
7.
富邦有「59D 強制險附加駕駛人傷害險」跟「50A 駕駛人傷害險」可以選擇
同樣體傷 20 萬、失能死亡 200 萬的保額之下,前者比後者便宜幾百塊但不保障車撞車
但我想說如果是兩車相撞,就有對方的強制險可以賠我們,是否選擇前者即可呢?
而且後者是不是要列進名冊的駕駛人才會賠償呢?
8.
如果跟業務投保就有每天一次不限距離免費拖吊的服務,是否就不用另外追加拖吊險?
9.
車體險約定駕駛人好像還可以折扣,請問如果只有我跟爸爸開車,是不是可以約定一下?
(雖然我妹說她要去學開車,但她不住家裡,應該頂多一年開個一兩次)
另外請問如果有約定駕駛人,是否只有車體險會受影響,其他險種則不會呢?
第一次買車問題有點多,再麻煩大家了,感謝:)
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