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When buying best auto insurance, essentially you are buying a paper plate guarantee payment of those unwanted risks that may occur in the future.

When buying insurance, essentially you are buying a paper plate guarantee payment of those unwanted risks that may occur in the future.



Auto insurance compensation for financial damage arising from an accident involving a car. It is a trading link between you and the insurance company, whereby when you premiums (insurance) and insurance companies committed to compensation for the damage under the provisions of the best auto insurance contract.

When buying insurance, customers would also like to when the problem will be quick and fair compensation, was replaced in the car or garage and genuine spare parts. However, to get those things, understanding as well as to consider thoroughly before putting pen to sign buy this type of insurance is extremely necessary. In the framework of this article, Autocar Vietnam will help readers better understand auto insurance issues as well as the experience for this issue.

On the auto insurance market currently has four common insurance forms include: compulsory insurance of civil liability of owners of motor vehicles, insurance of civil liability of owners of vehicles for goods transport on car insurance, physical damage of motor vehicle insurance, who sits on the car and driver accident car accessories. In it, insurance of civil liability of owners of motor vehicles is the type that all individuals or organisation owns a car must buy according to the law of Vietnam.

3 types of insurance remains entirely voluntarily by agreement with the auto insurance company. Especially in that, with physical types of insurance, the auto insurance company will indemnify the damage to the car caused the accident, outside the control of the owner of the car, drive the car in the case of collision,

Buy best auto insurance means buying a paper plate guarantee payment of those unwanted risks that may occur in the future.

There is a delivery contract between the owner and the auto insurance company, that car owners insurance premium and the insurance company is responsible for compensation for the damage specified in insurance contract.




The first customer car owners often buy coverage for the vehicle based on the advice of the car salesman or the introduction of acquaintances.

The lengthy, complex documents in the contract may be the cause for many people put their trust in the insurance salesman, they are only interested in the premium amount and level of reimbursement. This can cause them to pay higher premiums but when trouble does not return best auto insurance services as desired.

So, the first person to buy the right car insurance depending on the financial possibilities as well as its travel environment that choose this type of voluntary insurance accordingly. After many years of use, they will cast the experience to select the most suitable product.

For example, for the line of cars the average value, you should purchase the hull and flooding (glass house), the line of cars to buy more best auto insurance for stolen parts.

According to preliminary statistics of the Department of management, the insurance supervision Department (Ministry of Finance), the first 6 months, motor vehicle insurance continues to be the leading business revenue than the other services, although the decrease of 3% compared with the same period in 2013, reached 2,424 billion.

Motor vehicle insurance is still considered one of the leading retail products and continues to be the insurance companies push the harness in order to offset the other services are being reduced. These companies are tapping the motor vehicle insurance is quite good on the market today including insurance, PJICO, PTI, PVI, Bao Minh, MIC, Liberty ...




Represents a non-life insurance business, said, with regard to motor vehicle insurance business, new sales contract number is still rising. However, many customers trying to save on premiums by not buying additional products such as accident insurance for people sitting on the car or the voluntary liability insurance. The amount the client refused to renew because of economic difficulties has tended to rise higher before.

In General, motor vehicle insurance plate tends to decrease, but the insurer expected, this reduction is not extended into the third quarter and the fourth quarter/2014. The economy continued to recover along with best auto insurance the sales of new cars of Autos are rising up pretty strong foundation for this belief.

Meanwhile, a representative of insurers share, currently, some big cars want to increase in sales should have actively approached the reputable insurance companies to donate link insurance for customers to purchase the car. In addition, not least the Bank are the development of bancassurance (insurance sales through banks) should also actively seek insurance partner to cooperate.

"The trend in the coming time, the Bank will closely and considered the provision of insurance services is a vital profession brings in revenue. The Bank will probably create more conditions for motor vehicle insurance development, "said representative and said that the insurer was the Bank choose to co-operate not because of cheap fee or Commission high, that would be the business for good products and services, bringing promising high returns for long term partners.

According to experts in the industry, 6, 2014, turnover of motor vehicle insurance business in decline, but in return, the rate of compensation at high levels of the previous year has dropped close to standard compensation rate of best auto insurance.

1. the health insurance Card is issued to people who join health insurance and as a base to enjoy best auto insurance, the benefits of medical insurance under the provisions of this law.

2. Each person is only granted a medical insurance card.



3. the health insurance card point value used shall be as follows:

a) for participants of health insurance as defined in paragraph 3 of article 50 of this law, the health insurance premiums from the second onwards or medical insurance participants prescribed in clause 2 Article 51 of this law, the health insurance card worth using from the date of medical insurance premiums;

b) for health insurance participants as defined in paragraph 3 Article 50 of this law first health insurance or health insurance intermittently, the health insurance card worth the use after 30 days from the date of medical insurance premiums; particularly for the rights of high-tech services, the health insurance card worth the use after 180 days from the date of medical insurance premiums;

c) for children under 6 years old, the health insurance card worth the use on young enough to 72 months of age.

4. the health insurance Card not worth using in the following cases:

a) expiry of the card was used;

b) card being repaired, erasing;

c) people with the name on the card does not continue to participate in health insurance.

5. Organization of the model regulations health insurance medica,l insurance card, health insurance card management in the country and the slowest to January 2014 must implement the release of health insurance cards have pictures of medical insurance participants.

The insured person not only the manufacturer of the product need product liability insurance. Distributors and retailers in the distribution insurance channels are also responsible for goods supplied to the customer.




Some examples of product liability
-Concrete manufacturer-defects of the bearing bars led to the demolition of best auto insurance at the House.

-Electrical equipment-misuse of material or wrong installation makes inhabitants use the injury, death or cause a fire
-Food suppliers-contaminated food or drink or using inappropriate materials which cause food poisoning for the customers
-Manufacturer of children's toys-toy's parts causing best auto insurance injury to children or do not have the recommended age can play
-Transportation manufacturer-defective products causing traffic accidents.
-Pharmaceutical manufacturers recommend or pharmaceutical manuals not satisfactory to harm patients.