Những bảo hiểm bắt buộc cho ô tô

Những loại bảo hiểm bắt buộc mà người mua ô tô cần biết

 

Trong bài viết chúng tôi liệt kê cả những loại bảo hiểm không bắt buộc nhưng rất có lợi về mặt kinh tế khi xảy ra những sự cố khi tham gia giao thông. Mong qua bài viết này chủ xe có thể tìm hiểu kỹ hơn và chọn mua loại bảo hiểm phù hợp và tiết kiệm nhất.

Những loại bảo hiểm không thể thiếu khi mua ô tô

 

  1. Bảo hiểm trách nhiệm dân sự bắt buộc

 

Theo quy định của Luật giao thông đường bộ, đây là loại bảo hiểm ô tô bắt buộc khi tham gia giao thông.

Trong trường hợp bạn gây ra tai nạn ô tô, bảo hiểm trách nhiệm dân sự này sẽ bồi thường các thương tích cho bên thứ ba và thiệt hại về tài sản của họ. Sau đây là mức giá tham khảo của loại bảo hiểm này:

Stt Loại xe Phí bảo hiểm năm(đồng)
A Xe ô tô không kinh doanh vận tải 437.000
1 Dưới 6 chỗ 794.000
2 Từ 6 đến dưới 11 chỗ 1.270.000
3 Từ 12 đến 24 chỗ 1.825.000
4 Trên 24 chỗ 933.000
5 Xe vừa chở người vừa chở hàng  
B Xe ô tô kinh doanh vận tải  
1 Dưới 6 chỗ theo đăng kí 756.000
2 6 chỗ theo đăng kí 929.000
3 7 chỗ theo đăng kí 1.080.000
4 8 chỗ theo đăng kí 1.253.000
5 9 chỗ theo đăng kí 1.404.000
6 10 chỗ theo đăng kí 1.512.000
7 11 chỗ theo đăng kí 1.656.000
8 12 chỗ theo đăng kí 1.822.000
9 13 chỗ theo đăng kí 2.049.000
10 14 chỗ theo đăng kí 2.221.000
11 15 chỗ theo đăng kí 2.394.000
12 16 chỗ theo đăng kí 3.054.000

 

  1. Bảo hiểm người ngồi trên xe và tai nạn lái phụ xe

 

Khi mua bảo hiểm này thì phía bên công ty bảo hiểm sẽ chịu trách nhiệm thanh toán thiệt hại về thương tật thân thể hoặc tử vong cho người đang ở trên xe, khi lên xe hoặc khi xuống xe trong quá trình xe đang tham gia giao thông. Các trường hợp tai nạn xảy ra sẽ căn cứ vào tình hình thực tế để bồi thường bảo hiểm thoả đáng. Vì thế khi xảy ra vấn đề nên giữ nguyên hiện trường và liên lạc ngay với công ty bảo hiểm để giải quyết.

Chủ xe ô tô cần nghiên cứu kỹ các hạng mục trong hợp đồng và cân nhắc các các điều khoản hợp đồng bảo hiểm khi xảy ra sự cố, những tiêu chí về giá cả, chất lượng để lựa chọn phù hợp.

Mức phí bảo hiểm sẽ là 0,1% mức bảo hiểm mà người mua yêu cầu được hưởng theo thoả thuận với công ty bảo hiểm.

 

  1. Bảo hiểm thiệt hại vật chất xe cơ giới

 

Bảo hiểm này sẽ giúp các chủ xe được bồi thường khi có những thiệt hại vật chất xe xảy ra do tai nạn bất ngờ hoặc các sự cố ngoài sự kiểm soát như va chạm lật đổ, hoả hoạn, cháy nổ, tai nạn thiên nhiên, bị cướp hoặc bị mất cắp, các tai nạn khác tuỳ trường hợp cụ thể. Đặc biệt, một số công ty còn thanh toán những chi phí cần thiết khác nhằm ngăn ngừa, hạn chế tổn thất phát sinh thêm như những chi phí đưa xe thiệt hại tới hiện trường và nơi sửa chữa gần nhất.

Dựa trên thỏa thuận giữa công ty bảo hiểm và chủ xe theo giá trị thực tế tại thời điểm tham gia bảo hiểm hoặc nội dung ghi trên giấy chứng nhận bảo hiểm, giá trị bảo hiểm và số tiền bảo hiểm của người mua sẽ khác nhau. Thông thường mức phí bảo hiểm cho 1 năm sẽ từ 1,5% giá trị xe trở lên.

 

  1. Bảo hiểm trách nhiệm dân sự của chủ xe đối với hàng hóa vận chuyển trên xe

 

Nếu xe được sử dụng với mục đích vận chuyển hàng hóa thì loại bảo hiểm này khá phù hợp. Công ty bảo hiểm sẽ chịu trách nhiệm tổn thất mất mát hàng hóa được vận chuyển trên xe theo các điều khoản hợp đồng giữa chủ xe và chủ hàng. Khi gặp rủi ro với hàng hóa, trong phạm vi tổng mức trách nhiệm bảo hiểm ghi trên giấy chứng nhận bảo hiểm, phía bảo hiểm sẽ thanh toán cho chủ xe số tiền mà chủ xe phải bồi thường thiệt hại theo quy định của Bộ Luật Dân sự.

Thậm chí một số hãng bảo hiểm còn thanh toán hoàn toàn các chi phí cần thiết và hợp lý nhằm: bảo quản, xếp dỡ hàng hóa lưu kho hoặc ngăn ngừa giảm nhẹ tổn thất hàng hóa trong quá trình vận chuyển.

Phí bảo hiểm (1 năm, chưa bao gồm VAT) = 0,55% x MTN bảo hiểm / tấn x số tấn trọng tải của xe theo đăng ký.

Mức trách nhiệm bảo hiểm (MTN) : Từ 10.000.000 đ/tấn đến 50.000.000 đ/tấn

 

Lưu ý : Mức trách nhiệm bảo hiểm/ tấn không phải là mức trách nhiệm tối đa trên 1 tấn hàng hóa

 

Bạn nên lựa chọn những công ty bảo hiểm có chất lượng hoặc garage uy tín và thuận tiện cho việc đi lại, sửa chữa để giải quyết nhanh chóng và tốt nhất khi xảy ra sự cố.

 

Tìm hiểu thêm tin tức tại Dịch Vụ Đăng Kiểm Sauto:

Những bảo hiểm bắt buộc cho ô tô

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