What does the total insurance of the tour bus include?

Basic insurance includes compulsory insurance, third party liability insurance (three liability insurance) and vehicle loss insurance (vehicle damage insurance); Additional risks include vehicle theft, vehicle liability insurance, no-fault liability insurance, vehicle cargo drop liability insurance, glass breakage insurance, vehicle stop loss insurance, spontaneous combustion loss insurance, new equipment loss insurance, and special insurance without deductible.

compulsory insurance:

compulsory liability insurance for motor vehicle traffic accidents (hereinafter referred to as "compulsory insurance") is the first compulsory insurance system implemented by national laws in China. "Regulations on Compulsory Motor Vehicle Traffic Accident Liability Insurance" (hereinafter referred to as "Regulations") stipulates that compulsory traffic insurance is compulsory liability insurance in which the insurance company compensates the victims (excluding the vehicle personnel and the insured) for personal injuries and property losses caused by road traffic accidents of the insured motor vehicle within the limit of liability.

the owners or managers of motor vehicles driving on the roads in the People's Republic of China should take out compulsory insurance. At the same time, the "Regulations" stipulate that if the owner or manager of a motor vehicle fails to take out compulsory insurance in accordance with the regulations, the traffic administrative department of the public security organ will detain the motor vehicle, notify the owner or manager of the motor vehicle to take out insurance in accordance with the regulations, and impose a fine of twice the insurance premium that should be paid.

vehicle loss insurance

is responsible for compensating the loss of the vehicle itself caused by natural disasters or accidents. This is the most important type of vehicle insurance. Whether to insure or not to insure this kind of insurance needs to weigh its impact. If you don't, you have to bear all the repair costs after the collision.

Third-party liability insurance

It is responsible for the compensation for personal injury or death of others (that is, third parties) or direct damage to property caused by accidents in the use of insured vehicles. Crashing or bumping into people is the most feared thing when driving. The loss of your car is not counted, and you have to spend a lot of money to compensate others for their losses. Because the compulsory insurance (28 edition) has low compensation for the medical expenses and property losses of the third party, we can still consider buying the third party liability insurance as a supplement after purchasing the compulsory insurance.

vehicle theft rescue

it is responsible for compensating all the losses of the insured vehicle caused by theft, robbery and robbery, as well as the losses caused by vehicle damage or loss of vehicle parts and accessories. After the vehicle is lost, you can get 8% compensation from the insurance company for the actual value of the vehicle (subject to the insurance policy). If the insured lacks car keys (two), driving license, car purchase invoice, etc., he may only get 75% compensation.

On-board liability insurance

It is responsible for the compensation for the personal injury and death of the people on board and the direct damage to the goods carried on the vehicle caused by the accident of the insured vehicle. Among them, the liability for personal injury and death of people in the car is the driver and passenger accident insurance in the past.

No-fault liability insurance

In the process of using the insured vehicle, if a traffic accident occurs with a non-motor vehicle or pedestrian, resulting in casualties and direct property damage to the other party, the insured vehicle party will not be liable for compensation. If the insured refuses to pay compensation, the insurance company will calculate the compensation within the insurance compensation limit specified in the insurance policy according to the Measures for Handling Road Traffic Accidents and the local standards for handling road traffic accidents. Every compensation is subject to an absolute 2% franchise.

On-board cargo drop liability insurance

It is responsible for the economic compensation caused by the third party's personal injury or property damage caused by the cargo falling from the insured vehicle during use. The liability for compensation is calculated within the insurance compensation limit specified in the insurance policy. Every compensation is subject to an absolute 2% franchise.

separate glass breakage insurance

other parts of the vehicle are not damaged during parking or use, only the windshield is broken separately, and the loss of the windshield is compensated by the insurance company.

Vehicle loss insurance

The insurance company will make the following compensation in accordance with the regulations for the loss caused by the vehicle stopping due to the insured accident within the vehicle loss insurance scope:

(1) For partial loss, the insurer will calculate the compensation according to the daily compensation amount agreed in the insurance policy multiplied by the actual number of days from the date of repair to the date of completion of repair;

(2) If the whole vehicle is damaged, the compensation shall be calculated according to the compensation limit agreed in the insurance policy;

(3) within the insurance period, the cumulative calculation of the above indemnity shall be limited to the maximum number of days of indemnity stipulated in the insurance policy. The maximum agreed compensation days of this insurance is 9 days, and the biggest feature of the vehicle stop loss insurance is that the rate is very high, reaching 1%.

spontaneous combustion loss insurance

it is responsible for the losses caused by the failure of the electrical appliances, wiring and oil supply system of the insured vehicle or the fire of the cargo itself.

newly added equipment loss insurance

if an insurance accident within the scope of vehicle loss insurance occurs in a vehicle, resulting in direct damage to newly added equipment on the vehicle, the insurance company will calculate the compensation according to the actual loss. The insurance company will not be liable for the loss of newly added equipment if it is not insured by this insurance.

excluding deductible special insurance

this insurance can only be insured on the basis of both vehicle loss insurance and third party liability insurance. The insurer shall be responsible for the compensation for the deductible amount calculated in accordance with the provisions of the basic insurance clauses within the amount in line with the compensation provisions if the motor vehicle covered by this special insurance accident causes compensation. That is to say, after taking out this insurance, the insurance company will pay all the losses in vehicle loss insurance and third party liability insurance. This is a very good insurance only in 1997. Its value is reflected in: if this insurance type is not covered, the insurance company should distinguish the responsibilities when compensating the losses within the scope of car damage insurance and third party liability insurance: if you take full responsibility, you will pay 8%; Take the main responsibility and pay 85%; Pay 9% for the same responsibility; Take secondary responsibility and pay 95%. The other 2%, 15%, 1% and 5% of the accident losses need to be paid out of your own pocket.