Cars are an essential means of transportation in Australia. Australian adults are rare, taxis are few and expensive, private cars are very popular, and each family has an average of 1.4 vehicles. However, about 1700 people die in traffic accidents each year in Australia, 1/3 of them in drunk driving accidents, far more than the number of officers and soldiers killed in any major battle in Australia. In particular, Australia is driving in the right direction, many new immigrants and foreign students who have driven in China before come to Australia are very uncomfortable, especially makes the driving habits on the right difficult to adapt, causing a lot of traffic accidents. ALSON, who studied at MONASH University, told journalist: "it was only after I came to Australia that I found that the city was really big, taxis were expensive, public transport could not arrive in many places, and many friends lived in different areas far away. If I didn`t buy a car, it was really inconvenient. I found that the cars on the Australian side were actually very cheap. I was a novice, and my parents were also worried about my safety problems." I hope I buy more comprehensive car insurance, but there are so many insurance companies in Australia, I don`t know which one to choose. Is there any difference in their service? Is there a difference between car insurance in China and Australia? " I believe ASLON questions a lot of new immigrants will have, buy car insurance, can transfer car accident losses can also drive at ease, is essential, but for the native language non-English new immigrants to buy car insurance, what are the points for attention? How to buy their own cost-effective insurance? Let`s take a look at this special report.
China and Australia car insurance is very different according to different circumstances to choose insurance
Tom, a business investment migrant who has been in Australia for four years, told journalist: "I think the biggest difference between car insurance in Australia and China is the problem of integrity. When there is a car accident difference in China, neither side can go. When the insurance company comes out of the scene, the insurance company has to take pictures and keep a license. If you do not wait for the insurance company to come, you may not be able to claim compensation." It is relatively simple to buy insurance in China, but it will be more troublesome when you claim a claim. I often need the staff of the insurance company to come and check the situation. Here in Australia, I find that although I have to submit a lot of information when I go to buy insurance online, even in the area where you often visit, I don`t have to meet with the people of the insurance company at all when I guarantee the claim. Just send it directly to the designated garage, but you have to pay a Excess fee (bottom fee here in Australia.) it`s not that you don`t have to pay a fee at all. However, the insurance premium in China will not increase your premium next year because you repair more cars this year. Only if the overall price of some kind of car insurance increases, it will not increase the price separately according to your personal situation. Unlike in Australia, everyone`s premium is different. Integrity is very important to Australia, although the insurance company people will not come to check, but if you submit the information is not true, the insurance company will refuse to pay for it. "
Tina, who works for a well-known car insurance company in Melbourne, said in an interview with journalist: "Automobile insurance is called Automotive Insurance, in English, that is, you pay the insurance company A $1000 a year (for example). If your car has a collision accident (not counting anchor), the insurance company will pay you the corresponding compensation according to the type of insurance you buy, and if your car breaks down, If the repair costs $3000, the insurance company will pay $3000 to the repair shop to fix your car, and then charge you $500 declaration fee or bottom fee. In Victoria, vehicle insurance is roughly divided into two categories: the first is called third party insurance (3rd Party Insurance),), which means that if a traffic accident occurs, it is caused by your mistake, then the insurance company will compensate you for the repair of the vehicle you hit, but will not pay to repair your own car. Some people feel that there is no need to spend this kind of money that is not good for others, especially some foreign students. But if some international students don`t buy insurance, they have to spend a lot of money except when car accident has to settle their claims. Usually, third-party insurance is only about 400 yuan a year. I suggest that even if you buy a car that is only worth a dime, you should at least buy a third-party insurance. If you have a problem, you can really help you a lot. Simply put, buy third party insurance may happen: the first is to hit someone else`s car, your fault, after paying the declaration fee, the insurance company to pay for the other side of the vehicle, their own money to repair their own car. The second is that you were hit by someone else`s car, the other person`s fault, the insurance company to help you recover repairs from the other company to repair your car. Third, you were hit by someone else`s car, the other person did not buy insurance, the insurance company paid for part of the repair of your vehicle, and then the insurance company itself recovered from the other person. "
"the second type of car insurance, called full insurance (Comprehensive Insurance), is more expensive, usually between A $700 and A $2000," Tina continued. "it varies greatly depending on the driver`s age and insurance history, as well as the type of vehicle, but it provides full insurance. It means that even if your mistake is caused, the insurance company will fully compensate the other party and your own vehicle for repairs. All you have to do is pay the premium (Excess fee), of course, the annual insurance will increase next year. To put it simply, what may happen after buying full insurance: first, hit someone else`s car, your fault, and the insurance company after paying the declaration fee to compensate you for the repair of the other party`s vehicle and your own vehicle. Second, you were hit by someone else`s car, the other person`s fault, the insurance company to help you recover repairs from the other company to repair your car. Third, you were hit by someone else`s car, the other person did not buy insurance, the insurance company paid for all the repairs to your vehicle, and then the insurance company recovered it from the other person. My advice is that if the value of the vehicle you buy is not high, say, less than A $5000, it is not worth paying a high annual insurance and premium every year, then you need to buy a third party insurance, at least to prevent damages for bumping into expensive vehicles. If the value of the vehicle is more than A $10000, it is recommended to buy full insurance, and if the value of the vehicle depreciates in a few years, and if you are confident of your own technology, you can consider replacing it to the third risk. "
Buying insurance can`t just look at premium expert advice to help you save money
"Australia does not force car owners to be insured from law," Mr. Lin, who runs a garage in Melbourne, told journalist. "it`s voluntary whether or not to take insurance," Mr. Lin, who runs a garage in Melbourne, told New immigrants. The amount of premium and your car actually have a very large relationship, the car is good, of course, expensive, in addition to this, and your driving age, gender, have a bad record of the police station and so on have relationship. When applying for insurance again, the insurance company asks these things in great detail, and then calculates that each person`s premium is different. Australian premiums can also be paid in installments, but naturally they have to pay more. Therefore, it is suggested that it will be cheaper for you to pay for sexual intercourse at a time. All insurance companies in Australia have starting insurance, and if they report repairs this year, the money will be more expensive next year, so many people may not go to the insurance company at all if the impact is not very serious. Each insurance company divides the insured into different risk levels. (rating), starts at 6, that is, the highest level and the highest premium. If there are no accidents in the first year, then the grade and premium will be slightly reduced in the second year, and if there are no accidents, the premium will be reduced year by year. If you suddenly have an accident in one year and ask the insurance company to claim a claim, your risk level and premium will be greatly increased the next year. There are also insurance companies offering concessions, if someone does not have an accident all the year round, then promoted to a gold card customer, then even if an accident claims, the next year will not raise premiums. Another point that everyone should pay attention to, buy car insurance, must start from the first day of buying a car, do not have a fluke mentality to say that I wait two weeks to deal with the insurance. Usually newcomers who have just bought a car are the most prone to accidents in the first two weeks. Insurance companies have a payment extension, that is to say, you just go to the insurance company, do not have to pay, as long as you hand in all the car information, you can take effect immediately, and then you need to pay the full payment in the next month or so. In this month, even if you have not paid the money, but in the event of an accident, the insurance company will pay. "
Mr. Lin said: "generally speaking, the contract of insurance is calculated on a monthly basis as well as on a year-by-year basis. Basically, the annual payment is more cost-effective. Basically, the third liability insurance (Third Party Property) and the Road Rescue Insurance (Roadside Assistance- Classic) are the basic insurance for long-distance travel, and the third liability insurance on this side means that in the event of an accident, the insurance company will compensate the other party for the loss of the vehicle. When the other party does not have the third liability insurance and your car is damaged by the accident, the insurance company will compensate you up to 3000 Australian dollars (because the insurance company is different, it may be different), and the road rescue insurance is that when you go out of the car, you can call the insurance company for help. Basically, please protect the Classic class, even the insurance company will send someone to open the door for you. Moreover, the annual fee is not expensive, the road rescue insurance (Roadside Assistance- Classic) is more than 100 yuan a year, the third liability insurance (Third Party Property) depends on your age and basic information, the whole insurance process is over in about 20 minutes. RACV`s service attitude and rescue speed should have a reputation in Australia. If you have already bought a car, you might as well consider planning to buy insurance in advance. We can`t predict a lot of things in different places. Especially Holiday, even if your car breaks down downtown, you have to spend a lot of money to solve the problem in super-expensive Australia. "
"I don`t think insurance can be cheap," Ms. MARY, who has been in Australia for three years as a business investment migrant, told journalist. "I chose RACV`s car insurance when I bought a car before, because their ads are on TV every day, mainly because they have the best road rescue in Victoria (Roadside Assistance- Classic), has a lot of RACE rescue cars patrolling the road every day.) This risk is more than A $100 a year, but it really helps! Once my family and I went to the mountains to pick cherries, but I didn`t expect the car tires to leak. It was more than 6: 00 in the afternoon. It was really urgent. There was no one in the mountains. I immediately called RACV, and their rescue car came, helped me change the spare tire, and then told me where to repair the tire or replace a new tire tomorrow. It really helped me a lot. Buying insurance is to guard against unexpected needs, so I strongly recommend that you buy this. "
Melbourne Insurance salesman Tian suggested: "there are a lot of insurance companies in Australia, consumers may be confused not to know which is better, there is a star rating system called CANSTAR CANNEX to help you compare financial products according to level and function, is a standard system that benefits consumers, and, AAMI, Budget Direct and Commonwealth Bank continue to show industry leadership in CANSTAR CANNEX`s latest car insurance star rating. , Budget Direct has been praising, Budget Direct in previous years, with every state doing well. Especially won almost a big victory in the driver Evaluation Award (the driver profile awards), and they won seven out of every eight drivers. Budget Direct is now the fastest-growing insurance company in Victoria. In Victoria, AAMI is particularly popular, winning not only the "National Award" (National Award), but also Victoria`s "Best Award" (Best Value Award), Commonwealth Bank`s car insurance. After a market survey conducted by the Federal Bank in 2008, the Federal Bank launched its own car insurance product, which is underwritten by Allianz Insurance, although the Federal Bank`s insurance business has not been launched for a long time. But it can also be said that the insurance industry in the dark horse, I believe that in the future will be more and more loved by everyone. "
Tina said: "because many insurance companies in Australia encourage customers to buy insurance online, some insurance companies can even offer dozens of yuan discount, you can go to several different companies to make a QUOTA quotation, these are free, you have a sequence code after you get the budget form, if you pay within a specified time, say, within a week, the insurance will take effect." So you can never leave the house in front of the computer to compare the three. There is also, many people only pay attention to the annual cost of insurance, but ignore the Excess fee (bottom fee) and other additional fees, which is the misunderstanding of many people when buying insurance, in fact, premium is only part of an insurance policy. When the accident really happens, you will find that there are many links that have not been paid attention to before may have a vital impact on the claim. For example, how much is the "bottom fee" (less than $500 or thousands), and how long it takes to choose the maintenance garage and the claim process. The average big insurance company, such as AMMI and RACV, has a lot of designated car repair sites in Virginia. You may have chosen the insurance of a cheap, small company, but you find that it is not worth the loss if you have to go far away when you have to repair it. Finally, Australian insurance companies value customer loyalty. If you already buy house and property insurance in a company, it will be much cheaper for you to benefit from loyalty discounts when you continue to insurance your car. "
