What does the non-deductible insurance in car insurance mean?
2 Answers
Non-deductible usually refers to the non-deductible insurance in vehicle insurance, which is an additional coverage to commercial insurance (such as vehicle damage insurance or third-party liability insurance). Non-deductible insurance means that if the insured vehicle covered under vehicle damage insurance and third-party liability insurance is involved in an accident within the scope of insurance liability, resulting in vehicle damage (excluding theft) or third-party liability compensation, the insurer will be responsible for compensating the amount stipulated in the Terms and Conditions. Additional information: There are several situations where the non-deductible insurance does not take effect: When compensation should be made by a third party but the third party cannot be found: Compensation should be made by a third party but the third party cannot be found. In this case, the police should be notified. When resolving a traffic accident on your own but unable to determine the cause of the accident: For example, if two vehicles are involved in a scrape and later move to the roadside after negotiation but fail to retain photos and position marks from the scene, and neither party can provide clear evidence and cause when reporting the case, then even if non-deductible insurance is purchased, full compensation cannot be obtained. Frequent claims: If claims are made too frequently, even with non-deductible insurance, the insurer may still require the policyholder to bear certain losses as a penalty for such risky and abnormal behavior of frequent claims.
I've been driving for over twenty years, and the no-deductible insurance is a practical add-on in auto insurance. It means that when you have an accident, the insurance company not only covers the compensation but also takes care of the entire deductible portion, so you don't have to pay a single penny out of pocket. Typically, the deductible is around 200 to 500 yuan, such as in common cases like minor scratches from a single-vehicle accident. I've always found this type of insurance to be hassle-free—it doesn’t cost much, just an extra few dozen yuan a year, and it saves a lot of disputes when filing a claim. For example, once I had a minor accident with a few hundred yuan in repair costs. If I hadn’t bought this insurance, I would’ve had to pay out of pocket, which would’ve been a big loss. I recommend all drivers add this coverage—spending a little money for peace of mind, especially when driving in big cities with complex road conditions. After all, insurance is all about being prepared for the unexpected.
