明台34 - 機車
By Steve
at 2021-09-06T11:07
at 2021-09-06T11:07
Table of Contents
文長
這裡做出獨斷的結論
各位可以看完整討論後自行判斷
前提: 希望保任意險以後能享受到備而不用的拖吊服務
怕撞超跑→新光出局
保駕駛人→明台出局
保費划算→富邦出局
因為最近這段期間可能比較會騎車(但應該不太會載人)
覺得除了最基本的強制險應該也要多一點對自己和第三人的保障
在板上爬了一下文章 也去了隔壁保險板 發現討論不是很多 或者被洗掉了
想簡單請教幾個問題
1. 我本來是保富邦的不過發現除了把道路救援拿掉
光是強制險續約就比我去第一個比較的明台試算還貴
想請問大家在挑保險的時候有沒有比較推薦的公司和險種
不得不說富邦的網頁寫的真的是比較不親近使用者
我光是在自選和超額之間點來點去就要一直遭受讀取時間傷害
兩邊的險種又不太一樣 也沒有說明小視窗之類的設計 要比較超麻煩的
https://i.imgur.com/llXQoZ2.jpg
2. 我從google爬到有人表示明台34的範圍=31+32+39
但有幾件事不能理解也沒有概念 想請教大家的意見
a. 第三人500萬和1000萬一年才差20塊不到
甚至把保額提到2000萬都差不到100塊錢
雖然很難想像怎樣的狀況會賠到2000萬
各位會建議把保額放在什麼水準呢
b. 看起來34可以用更低的價格得到31+32+39更高的額度
什麼情境下31+32+39會是比34更的好的選擇
c. 慰問金的意義在哪裡
d. 目前我個人沒有任何的人身保險(意外/傷害)
而意外/傷害/醫療的適用範圍不限於騎車
那駕駛人傷害險相對的優點有什麼呢?
感謝
--
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