Reprinted from the http://news.e23.cn/Content/car/2011-03-17/201131700120.html

old car insurance and what standards to calculate premiums? This seemingly simple thing is actually controversial. Many owners reflect, when their old cars are insured, insurance companies are generally insured in accordance with the purchase price of a new car. Is this reasonable?

why can't calculate the premium according to the actual market price of the vehicle?

after consulting the related people in the industry yesterday, the old car was insured by three. The method of seed treatment. The first is that the insurance company is currently insured in accordance with the purchase price of a new car; the second is to be insured in accordance with the actual value of the vehicle; the third is to consult with the insurance company and to be insured by the negotiated price between the two parties. The first is insurance in full, and the latter in two. It is worth noting, however, that unless the total loss occurs, the actual price will not be considered in most claims.

industry people told reporters that the old car in accordance with the new car purchase price is the current insurance industry general implementation of the standard, for the old car owners, insurance companies will generally persuade it to be insured in accordance with the new car price.

but after a reporter's search on the Internet, the insurance company acquiescence according to the purchase price of the new car, but does not provide other choices, many owners think the insurance company did not do the obligation to inform.

on the other hand, when there is a total loss of vehicle, the insurance company only claims the actual price of the vehicle, not the new car price, which is equivalent to receiving a premium for the owner when the insurance is insured.

Case: the information of the word-of-mouth financial network shows that a net friend has an old car in 2003, and when the insurance company is insured in 2009, the insurance company is insured against the "car damage" in accordance with the purchase price of a new car for 191 thousand yuan, but the "robber rush" is required to be insured in accordance with the actual price of 106 thousand yuan. The net friend thinks that the car damage should also be insured in accordance with the actual value of the old car, rather than the purchase price of the new car, and the difference between the two kinds of premiums is about a thousand yuan. The court decides that the insurance company should lose the premium if it loses.

there are different views in the insurance industry for this practice. A person in the claim Department of a financial company tells a reporter that the owner does not have to be insured in full when the owner is insured, and can also choose the other two other ways mentioned in the previous article, that is, to be insured in accordance with the actual value or the negotiated value of the insurance company.

but at the practical level, most consumers still choose to take full insurance, that is, according to the purchase price of new cars. On the one hand, the full insurance is generally the default insurance method of the insurance company. It does not tell the owner that it can choose other ways. On the other hand, in most of the claims, full insurance is more cost-effective for owners.

the above claims department said that, once the risk is out, the manual and spare parts costs for vehicle maintenance are calculated according to the current market price. "It is impossible for an insurance company to take an old part for you because it is an old car out of danger. It is sure to replace a new part, considering the actual cost of maintenance, so it is reasonable to insure the old car at the purchase price of a new car."

but for the full loss vehicle, its claim is paid in accordance with the actual value of the vehicle before the risk. In this case, it is not fair for the owner to pay the premium according to the new car price.

and from the various claims cases currently exposed, it is easy to claim disputes often in the total loss of vehicles.

has the expert suggestion that the old car is insured against the car damage, the insured and the insurer should make the necessary consultation according to the actual conditions, and the insurance company should also inform the owner of the possible situation in detail in order to avoid the dispute in the future.