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What is Comprehensive Car Insurance?

1 Answers
LeDominic
07/30/25 8:26am
Comprehensive car insurance includes compulsory traffic insurance and several basic coverages such as vehicle damage insurance, third-party liability insurance, passenger liability insurance, glass breakage insurance, and full vehicle theft insurance. It also includes additional coverages like spontaneous combustion insurance, water damage insurance, and scratch insurance, along with the special no-deductible liability insurance. Below is a detailed introduction to comprehensive car insurance: 1. Compulsory Traffic Insurance: A mandatory insurance required by the state, covering third-party personal injuries and property damage. The premium for the first year is fixed—950 RMB for private cars with fewer than 6 seats and 1,100 RMB for those with 6 seats or more. The premium for the second year will be adjusted based on whether the owner was involved in any at-fault accidents during the first year. Vehicle Damage Insurance: Covers the loss of your own vehicle, with the coverage amount typically matching the vehicle's value. 2. Third-Party Liability Insurance: In the event of an insured accident, the insurance company compensates for third-party personal injuries and property damage. It is recommended to purchase coverage of 1 million RMB. 3. Theft Insurance: Covers losses caused by the theft, robbery, or hijacking of the entire vehicle. 4. Passenger Liability Insurance: Compensates for injuries or deaths of passengers inside the insured vehicle in case of an accident. 5. Spontaneous Combustion Insurance: Covers losses caused by fires resulting from vehicle circuit, wiring, fuel line issues, or friction during operation. 6. Water Damage Insurance: Covers engine damage caused by water ingress while driving.
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