What is the non-deductible in car insurance?
2 Answers
In car insurance, the non-deductible insurance is a type of additional coverage, referring to the non-deductible clauses in the policy, which is a commercial additional insurance. This type of insurance generally means that after an insured incident occurs, based on the deductible amount calculated according to the corresponding main insurance policy provisions, the portion that should be borne by the insured will be covered by the insurer. After purchasing this coverage, the car owner can not only enjoy the portion of compensation that should be covered by the insurance company according to the policy terms but also receive compensation for the amount that should be borne by the car owner due to their responsibility in the accident. Depending on the insured object, the non-deductible insurance can be further divided into non-deductible for basic insurance and non-deductible for additional insurance, which car owners should understand in detail when purchasing. The full name of the non-deductible insurance is "Non-deductible Rate Special Clause," which is an additional coverage to commercial insurance (such as car damage insurance or third-party liability insurance). As an additional coverage, the non-deductible insurance requires the purchase of a "main insurance" as a prerequisite and cannot be purchased separately. Its insurance liability usually refers to "after a special agreement, in the event of an accident, the portion of the deductible amount calculated according to the deductible rate specified in the corresponding main insurance policy provisions, which should be borne by the insured, will be covered by the insurance company within the liability limit."
I remember that winter when I was driving back to my hometown, the car skidded and hit the guardrail. The insurance company said I had to pay the deductible of 2,000 RMB myself first. I was upset for a long time until a friend told me about the "No Deductible" add-on coverage. It means that when you buy insurance, you can add this option, and in case of an accident, the insurance company will cover all costs without you having to pay a penny out of pocket, eliminating the hassle of the deductible. The benefit is less financial pressure and simpler claims; the downside is that the premium will increase by a few hundred RMB, making it suitable for those who frequently drive long distances or novice drivers for extra security. I later added it and didn’t have to pay extra for a minor scrape. I suggest everyone ask clearly when buying car insurance and decide based on driving frequency—don’t take big risks to save a little money.
