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發表於 05-9-23 10:55 |只看該作者

車保問題

想問如果買二手車, 車保買NCB(第一次買車). 大約要幾錢. 同保險公司買係唔係會平d, 邊間會抵d.

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DanielRoth

洋房

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發表於 05-9-23 10:58 |只看該作者

Re: 車保問題

It depends on the price of the car and whether you are buying Third Party ins or Full ins.

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tommythumb

大宅

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發表於 05-9-23 11:18 |只看該作者

Re: 車保問題

多數黎講，你經broker會平過直接同保險公司買，而且 broker 亦有較多保險公司既產品比你選擇。

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TOTOBABA

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發表於 05-9-23 12:42 |只看該作者

Re: 車保問題

其實妳最重要係睇清楚份保險公司份保單, 價錢不會有太大出入, 因承保公司都係比個 net 價個 agent , Final price 就睇個 agent 食幾多, 但千萬不要貪平呀, 拎個 car info 去 quote多幾間價, 睇個 terms 是否 OK , price 相差少少不打緊, Terms 最重要, 但Price 相差太大就要小心 la....

RykerMama 寫道:
想問如果買二手車, 車保買NCB(第一次買車). 大約要幾錢. 同保險公司買係唔係會平d, 邊間會抵d.

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發表於 05-9-23 15:17 |只看該作者

Re: 車保問題

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august19

大宅

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發表於 05-9-23 15:52 |只看該作者

Re: 車保問題

請問你係咪買全保?$10,000.00?????

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發表於 05-9-23 16:13 |只看該作者

Re: 車保問題

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TOTOBABA

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8^#

發表於 05-9-23 16:35 |只看該作者

Re: 車保問題

基本上當你買新車 (上會), 財務公司都一定要你買全保, 否則有乜大煲野, 抄大 or 被偷, 都有份 insurance cover, 你唔駛供死會, 保障大家, 二手車就好睇車價la, 如不用上會或好鬼平就不用買全保 la, 三保一定要買, 通常供車如 4年, 第三年可問財仔可否只買三保, 因架車都供左一大截, 加上車價貶值, 又有 NCB ....只買三保 ok ka la.....總之 Terms 好重要

conniechan1975 寫道:
it depend on the price of your car, also how many years your driving experience, how o r u etc. for me, my car is a echo around 130,000 and my NCB is 0 and i am over 25 years old. my insurance is 10000 per year. can u belive it? a echo need 10000.

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發表於 05-9-23 16:58 |只看該作者

Re: 車保問題

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TOTOBABA

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10^#

發表於 05-9-23 17:50 |只看該作者

Re: 車保問題

wow..好有錢ar.... Fully paid ....一次過....

如妳覺得架車抄大 (total loss) or 被偷了冇所謂, 三保law...全保所以咁貴, 妳個份 insurance terms 係 total loss or 被偷, 都在第一年賠足比妳, 妳睇下份 insurance D terms....反正妳一次過比哂錢, 點解妳今年年頭買 Echo ar, $130000 唔太合理, 九月尾已轉了新款Echo ---叫 (YARIS). Toyota 早就抬高 Echo price 迎接 New Yaris.
馬力提升哂!!!!! 9月30日有 New YARIS 車展 Harbour city

conniechan1975 寫道:
i pay all price when i buy my echo. do u mena i should buy 3rd party only? i thought i buy a new car. so i should buy full coverage

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發表於 05-9-23 18:24 |只看該作者

Re: 車保問題

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liulokyi

大宅

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發表於 05-9-23 20:11 |只看該作者

Re: 車保問題

I am operating an insurance agency company. The insurance premium you paid for your echo is quite high. Maybe you buy the insurance throught the car sales or directly with the insurance company. Actually, most of the terms is the same for the several common insurance company. The cheapest way to buy motor insurance is through insurance agency or broker. They can reduce their commission to the customer. Due the the great competition, the premium now is very low.

Buy 3rd party or comprehensive (全保) depends on whether you using finance company or not. If you use finance company (i.e.上會), you must buy comprehensive insurance. Otherwise, it depends on you and the car value. If your car is target model or high power, the premium is also higher.

P.S. my company do not serve motor insurance as the premium profit margin is extremely low.

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