auto insurance clarifications

henghengzhu · 发表于 2012-3-21 15:30

Sorry for can not type Chinese.

I have two questions need your suggestions: If there is only one car in the family, and the husband is the principal driver, the wife may drive the car once in a while. Does the wife have to be added on the auto insurance policy as a "secondary driver"? What's the pros and cons of the options "add" or "do not add"?

Much appreciated for your help!

wil · 发表于 2012-3-21 15:36

通常这个不是你能决定的, 保险公司会要求有驾照的人都加在policy里面,除非你有自已的保险;

watercress · 发表于 2012-3-21 15:51

Add: may pay less for premium.
Not add: the casual driver don't get to have insurance history so insurance premium will be higher if s/he decide to purchase auto insurance in the future.

精打细算 · 发表于 2012-3-21 15:51

需加上。　保险公司风险提高。

除非你在一些保险公司享有顶级评级，否则保费一般会涨。涨幅介于另一个人的风险与驾龄，　如果新手的话，一般是以新手单独保费的２５％。　

要享有顶级评级，必须起码有６年无事故以上的经验，　没有交通罚单记录等。
有问题可以参考我们的汽车保险自动报价。　

点击以下广告试试。
|
|
|
V

henghengzhu · 发表于 2012-3-22 08:56

Thank you all for your great inputs!

账号		自动登录	找回密码
密码			注册