投保车险前，先搞懂这几件事，能少走不少弯路

截至2025年9月底，全国机动车保有量达4.65亿辆，机动车和驾驶人总量均居世界第一，且持续保持高速增长态势。所以购买机动车辆保险非常有必要。它不仅是个人风险的“防护盾”，更是维护道路安全与社会稳定的重要保障 。

By the end of September 2025, the number of motor vehicles in China had reached 465 million, and the total number of motor vehicles and drivers ranked first in the world, and continued to maintain a high-speed growth trend. Therefore, it is necessary to buy motor vehicle insurance. It is not only the “shield” of personal risk, but also an important guarantee to maintain road safety and social stability.

01什么是机动车辆保险？

机动车辆保险是以汽车、电车、电瓶车、摩托车等机动车辆为保险标的的财产保险，主要面向拥有机动交通工具的法人团体和个人，包含交强险和商业险两大类。商业险主险包括车辆损失险、第三者责任险、车上人员责任险及全车盗抢险，附加险涵盖玻璃单独破碎险等类型。其承保范围覆盖自然灾害、意外事故导致的车辆损失及第三者人身财产损害。

Motor vehicle insurance is a kind of property insurance with motor vehicles such as automobiles, trams, battery cars and motorcycles as the subject matter of insurance, mainly for corporate bodies and individuals with motor vehicles, including compulsory traffic insurance and commercial insurance. The main insurance of commercial insurance includes vehicle loss insurance, third party liability insurance, vehicle personnel liability insurance and vehicle theft and rescue, and the additional insurance covers glass breakage insurance and other types. Its insurance coverage covers vehicle losses caused by natural disasters and accidents, as well as personal and property damage to third parties.

02主要分类

机动车辆保险一般包括交强险和商业险，商业险包括基本险和附加险两部分。基本险分为车辆损失险和第三者责任保险、全车盗抢险（盗抢险）、车上人员责任险（司机责任险和乘客责任险）。

附加险包括玻璃单独破碎险、划痕险、自燃损失险、涉水行驶险、无过失责任险、车载货物掉落责任险、车辆停驶损失险、新增设备损失险、不计免赔特约险等。投保主险后才能投保附加险。

下面简单介绍几个重要的种类。

Motor vehicle insurance generally includes compulsory insurance and commercial insurance, and commercial insurance includes basic insurance and additional insurance. The basic insurance is divided into vehicle loss insurance and third party liability insurance, vehicle theft and rescue insurance (theft and rescue insurance), vehicle personnel liability insurance (driver liability insurance and passenger liability insurance). 

 Additional risks include glass breakage risk, scratch risk, spontaneous combustion loss risk, wading risk, no-fault liability insurance, vehicle cargo drop liability insurance, vehicle stop loss insurance, new equipment loss insurance, non-deductible special insurance, etc. Only after the main insurance is insured can additional insurance be insured. 

 The following is a brief introduction to several important categories.

1交强险

交强险全称[机动车交通事故责任强制保险]是中国首个由国家法律规定实行的强制保险制度。

《机动车交通事故责任强制保险条例》[以下简称《条例》]规定：交强险是由保险公司对被保险机动车发生道路交通事故造成受害人[不包括本车人员和被保险人]的人身伤亡、财产损失，在责任限额内予以赔偿的强制性责任保险。

The full name of compulsory traffic insurance is compulsory motor vehicle traffic accident liability insurance, which is the first compulsory insurance system implemented by national laws in China. 

The Regulations on Compulsory Liability Insurance for Motor Vehicle Traffic Accidents (hereinafter referred to as the Regulations) stipulates that compulsory traffic insurance is a compulsory liability insurance in which the insurance company compensates the victim (excluding the vehicle personnel and the insured) for personal injury, death and property loss caused by the road traffic accident of the insured motor vehicle within the liability limit

2车辆损失险

车辆损失险是商业险的主险之一。车辆损失险的保险标的，是各种机动车辆的车身及其零部件、设备等。当保险车辆遭受保险责任范围的自然灾害或意外事故，造成保险车辆本身损失时，保险人应当依照保险合同的规定给予赔偿。

保险责任：

A、保险单上列明的各种自然灾害，如洪水、暴风、雷击、泥石流，地震等。

B、保险单上列明的各种意外事故，如火灾、爆炸、空中运行物体的坠落等。

C、其他意外事故，如倾覆、冰陷、载运被保险车辆的渡船发生意外等。

Vehicle loss insurance is one of the main risks of commercial insurance. The insurance mark of car loss danger, it is the car body of all sorts of motor vehicles and its component, equipment. When the insured vehicle suffers from natural disasters or accidents within the scope of insurance liability, resulting in the loss of the insured vehicle itself, the insurer shall compensate in accordance with the provisions of the insurance contract.  

Insurance liability: 

 A. All kinds of natural disasters listed in the insurance policy, such as flood, storm, lightning strike, debris flow, earthquake, etc. 

 B. All kinds of accidents listed in the insurance policy, such as fire, explosion, falling of objects moving in the air, etc.

 C. Other accidents, such as capsizing, ice sinking, accidents on ferries carrying insured vehicles, etc.

3第三者责任保险

是被保险人或其允许的合格驾驶员在使用被保险车辆过程中发生意外事故、而致使第三者人身或财产受到直接损毁时被保险人依法应当支付的赔偿金额。在此保险的责任核定，应当注意两点：

1、直接损毁，实际上是指现场财产损失和人身伤害，各种间接损失不在保险人负责的范围。

2、被保险人依法应当支付的赔偿金额，保险人依照保险合同的规定进行补偿。

It is the amount of compensation that the insured or the qualified driver allowed by the insured shall pay according to law when an accident occurs in the course of using the insured vehicle and causes direct damage to the person or property of a third party. In the verification of the liability of this insurance, attention should be paid to two points: 

 1. Direct damage, in fact, refers to property loss and personal injury at the scene, and all kinds of indirect losses are not within the scope of the insurer’s responsibility. 

 2. The insurer shall make compensation for the amount of compensation that the insured shall pay according to law in accordance with the provisions of the insurance contract.

3盗抢险

负责赔偿保险车辆因被盗窃、被抢劫、被抢夺造成车辆的全部损失，以及期间由于车辆损坏或车上零部件、附属设备丢失所造成的损失，但不能故意损坏。

Be responsible for compensating for the total loss of the insured vehicle caused by theft, robbery and robbery, as well as the loss caused by the damage of the vehicle or the loss of the parts and accessories on the vehicle during the period, but not intentionally.

3车上人员

保车里的人的意外伤害和死亡。

Protect the accidental injury and death of the people in the car.

03

案例展示

2016年3月15日，马卫兵购买了一辆蓝色个人家庭自用汽车，新车购置价35万元，因与上一家保险公司合约到期。马卫兵于2017年3月15日向中国人民财产保险公司为其汽车进行了投保。双方协商确定如下承保内容：

1. 购买险种：交通强制保险、第三者责任保险、机动车损失保险、玻璃破碎保险、不计免赔特约。

一、交通强制保险责任额：死亡伤残赔偿限额：110000，医疗费用赔偿限额：10000，财产损失赔偿限额：2000，无责任死亡伤残赔偿限额：11000,无责任医疗费用赔偿限额：1000，无责任财产损失赔偿限额：100。

二、机动车损失保险责任额：新车购置价足额投保。

三、第三者责任保险责任额：30万元。

四、玻璃破碎保险责任额：国产玻璃

五、不计免赔特约：机动车损失保险。

2. 保费通过刷卡方式支付，转账日期为2017年3月15日。

3. 保险期限为自2017年3月16日零时起至2018年3月15日零时止。

4. 保险公司当日收到保费后于当日向客户出具了保单及保险发票。

5.如发生争议：诉讼地址约定为中国国际经济贸易诉讼委员会上海分会。

投保人如实告知如下事项：

1.上年投保保险公司：有。

2.上年有无违章：发生一次醉酒后驾驶机动车。

3.上年有无出险：发生一次有责任不涉及死亡的道路交通事故（有赔款）。

4.上年有无过户：无。

5.指定驾驶员为马卫兵本人。 

  中国人民财产保险公司向保监会报备的自主核保因子和渠道因子暂定为1；旧车的家用车（上年发生赔款小于三次）的NCD因子为0.9。

   客户对业务员提出的费率水平表示认可，并在业务员指导下填写完成了投保单。录单员录单时，充分调阅投保人的相关材料后发现：该用户曾因醉酒驾驶过一次，发生了有责任不涉及死亡的道路交通事故。交通强制保险费率需上浮，并将核保结果反馈给了客户确认。客户于当日确认核保结果后立即向保险公司支付了保费，保险公司当日向客户出具了保单及保险发票。

马卫兵买了“交强险+三者险（30万）+车损险+单独玻璃险+不计免赔”。而且马卫兵上年有“酒驾违章+1次有责任事故”，导致交强险保费上浮。所以投保时，这些信息“瞒不住也不能瞒”。同时，机动车辆保险种类繁多，我们要选择适合自己的保险种类及金额投保。