During the prevention and control of the new coronavirus epidemic, it is recommended that people should not gather in groups, go to public places less, reduce the use of public transportation, and encourage driving private cars or riding bicycles. As a result, more and more people ride electric bicycles. more.
In order to reduce the risk of traffic accidents, management measures have become more and more strict. In addition to licensing the car, you must also wear a safety helmet. Now many insurance companies in the Taiyuan market have launched electric bicycle traffic accident insurance accident insurance , if the cyclist hits someone else, he can be compensated from the insurance money, which greatly increases the ability to resist risks.
Under the situation of prevention and control of the new crown epidemic, the popularity of the electric bicycle market is rising day by day. As the country launches the One Helmet, One Belt Initiative from June 1, an insurance company bundles electric bicycle helmets and traffic accident insurance. They are sold in packages, euphemistically called buying insurance and getting a helmet. As long as you pay 100 yuan a year, you can get the maximum claim amount of 110,000 yuan for the driver and 115,000 yuan for the third party, including 10,000 yuan for medical expenses, 100,000 yuan for death and disability, and 5,000 yuan for the third party. Yuan of compensation for property damage. If you want to increase the claim amount and reduce the risk of greater travel, you can purchase insurance for 240 yuan per year, which will double the driver's claim amount and triple the third-party claim amount.
At first glance, traffic accident insurance for riding an electric bicycle costs 100 yuan to 240 yuan a year, which is money to buy safety protection. But the more formal compulsory traffic insurance for two-wheeled motorcycles. For two-wheeled light motorcycles below 50 cc, you can buy insurance for 80 yuan; for two-wheeled motorcycles below 250 cc, you can get insurance for 120 yuan: 110,000 Death and disability compensation of 10,000 yuan, medical expense compensation of 10,000 yuan, property loss compensation of 2,000 yuan, no-responsibility death and disability compensation of 11,000 yuan, no-responsibility medical compensation of 1,000 yuan and no-responsibility property compensation of 100 yuan.
Even during the discount period, the compulsory traffic insurance premium for two-wheeled mopeds is only 80% of the traffic accident insurance premium for electric bicycles, but the third-party protection compensation amount is equivalent. Since the compulsory traffic insurance can compensate each other for losses after a motorcycle and a motor vehicle collide, both parties can get basic protection. As for the traffic accident insurance for electric bicycles, when there is no discount, the lowest-end restoration price is 200 yuan, which is 1.5 times higher than that of a two-wheeled moped. For the same two-wheeled vehicle, the insurance premium of a low-risk electric bicycle is actually higher than that of a high-risk electric bicycle. Motorcycle insurance is even more expensive, which is illogical.
Another type of traffic accident insurance for electric bicycles and new cars launched by a certain property and casualty insurance company. For 79 yuan per year, you can get: third party liability insurance 22,000 yuan in compensation, death and disability compensation of 20,000 yuan, and medical compensation of 2,000 yuan. Yuan, 1,000 Yuan compensation for the entire vehicle theft. Compared with the former one, the latter has larger coverage but lower compensation amount.
In contrast, insurance companies actually bundle traffic accident insurance for electric bicycles with safety helmets and sell them together, making both insurance premium profits and the price difference between the import and delivery of the helmets. Which insurance is more cost-effective to buy requires multiple comparisons. As the saying goes, the wool comes from the sheep, and buying insurance comes with a helmet. Do you believe it?
(Zhang Qiliang)
