Motor vehicle insurance, that is, "auto insurance", is a means of transport insurance marked by the motor vehicle itself and the third party's liability. Its insurance customers are mainly legal persons and individuals who own various motor vehicles; The subject matter of insurance is mainly various types of cars, but it also includes special vehicles such as trams, battery cars and motorcycles.
Motor vehicles refer to automobiles, trams, battery cars, motorcycles, tractors, various special mechanical vehicles and special vehicles.
First, the calculation method of automobile insurance
(1) car damage insurance: car price ×0.9%+ basic premium (342 yuan)
(2) Third party liability insurance: 200,000 yuan for accidental claims and 952 yuan for fixed premium.
(3) On-board passenger insurance: the insured amount is 10000 yuan per seat, 10000×0.29× number of seats.
(4) Emergency rescue for stolen vehicles: vehicle price ×0.42%
(5) Risk of glass breakage: car price ×0. 12%
(6) The car damage insurance is not included and deductible: the car damage insurance premium is × 15%.
(7) No deductible for the third party: the premium of third party liability insurance × 15%.
(8) Compulsory traffic insurance: 950 yuan
Second, the calculation method of automobile insurance premium
(1) Car damage insurance: 1 15800×0.9%+ basic premium (342 yuan) = 1384.2 yuan.
(2) Third-party liability insurance: claim 200,000 yuan, fixed premium 952 yuan =952 yuan.
(3) Personnel insurance for seats on the train: the insured amount is 10000 yuan per seat, 10000×0.29%×5 (seats) = 145 yuan.
(4) Emergency rescue for stolen vehicles: 1 15800 yuan ×0.42%=486.36 yuan.
(5) Risk of glass breakage: 1 15800 yuan× 0.12% =138.96 yuan.
(6) The car damage insurance is not included and deductible: the car damage insurance premium 1384.2 yuan × 15%=207.63 yuan.
(7) No deductible for the third party: the premium for the third party liability insurance is 952 yuan × 15%= 142.8 yuan.
(8) Compulsory traffic insurance: 950 yuan
(9)*** premium: compulsory insurance+commercial insurance =950 yuan +( 1384.2 yuan +952 yuan+145 yuan +486.36 yuan+138.96 yuan +207.63 yuan+1443 yuan).