Second hand car ownership transfer, as the name suggests, is to change the name of the owner of the vehicle. It is an important procedure that can not be omitted in the process of buying and selling second-hand cars. It will bring inconvenience to both buyers and sellers if the ownership of the car is not transferred. How to charge for the second year insurance of second-hand car ownership transfer? How to calculate insurance after insurance transfer? Let's have a look.
Second hand car premium = insured amount & times; rate & times; rate factor & times; discount factor.
Because the premium rate factor and discount factor are adjusted by the insurance company itself, the customer can not calculate the accurate premium.
Development materials:
The calculation formula of vehicle insurance premium is attached
Vehicle loss insurance premium = basic premium + insurance amount & times; rate
Third party liability insurance premium = fixed premium corresponding to fixed level compensation limit
Vehicle theft insurance premium = actual value of vehicle & times; rate
New equipment loss insurance premium = insurance amount & times; rate
Premium of glass breakage = new car purchase price & times; rate
Spontaneous combustion loss insurance premium = insurance amount & times; rate
Premium of on board liability insurance
Insurance premium of vehicle borne goods falling liability
Exclusive premium = (vehicle loss insurance premium + third party liability insurance premium) & times; rate
1、 Car owner (human) factor
Age: different age groups have different premiums. The cheapest premium is from 30 to 60 years old, followed by over 60 years old, 25 to 30 years old, 20 to 25 years old, and under 20 years old. When the owner is a legal person, the fixed rate will be calculated according to the male rate between 30 and 60 years old.
Gender: in the same age group, male premium is more expensive than female premium.
2、 Vehicle factor
Nature of use: private cars are the cheapest, followed by private vans and other vehicles.
Brand type: the higher the price is, the more expensive the premium is, and the premium of domestic cars with the same price is cheaper than that of imported cars.
Number of claims: the more the number of claims, the more expensive the premium is. Relatively, if there is no number of claims, the cheaper the premium is.