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唔同既保險公司, 有唔同既收費. 唔同既因素下都有影響到保費的上下調整. 想保費平啲, 其實只係得一樣野可以做, 轉保險公司 (有機會自負額高左, 又有可能再底啲又平啲).
保費計算, 其中涉及的
1) 車款, 2) 出廠年份, 3) 職業, 4)NCD (aka NCB)
🚗當中的車款, 特別係出廠年份, 先令保費比較貴的主因.
當一部車踏入某啲年份開始, 大部分的第三者保費開始慢慢加價. 某部分既車, 車齡10幾年以上, 每年既升幅更高達 10%.
🔆 大部分職業對於保費並沒有特別既調整.
但有一部分既職業就有影響. 當中包括車房/車行, 保安業, 無業. 而仲係學生就更加貴. 視車款而定, 可能有啲車貴多幾百, 但又唔會足而令到成個保費以千聲咁加上去.
🔯 NCD/NCB (No Claim Discount/Bonus)
每年唔都有拆扣直到去到60%. 呢個其實對於舊年份既車黎講只係用黎 offset 左每年既保費升幅. 例如2009年既一部Toyota Sienta, 今年2024年保費大約 $3700幾 (30% NCD), 出年2025年保費預計大約 $3700幾 (40% NCD).
📬係申請投保既過程, 當中兩個問題會問到投保人是否曾經係過去某啲年份做過索償(被第三者申索), 及是否曾違例扣分、觸犯交通規則或被警方起訴.
如果中左其中一樣, 您就gg啦. 先唔講保費NCD會由 60% 去到 30%, 就連下一次是否可以續保都成問題. 保險公司會認為該投保人既風險大左, 決定加大保費或拒絕續保. 拒絕續保的話, 轉投保公司更加困難, 通常絕大部分都會拒絕承保.
所以, 如果作為車主既您, 借車俾朋友的話, 您都深相佢係一個非常了得既渣車技術. 🍻
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Different insurance company have slightly difference in vehicle insurance premium, with different factors affecting the cost. The only thing that you can do to reduce the premium possibly only change to another insurance firm (with possibly higher excess, but might have a chance to get a lower excess).
Calculation of premium involve (but not limited to)
1) Vehicle Model, 2) Manufacture Year, 3) Job/industry, 4)NCD (aka NCB)
🚗Vehicle models, especially manufacture year, is the main cause of the premium factors.
After a vehicle entered a specific age, most of cost (for third party) will start to increase. For specific vehicle with 10 something years-old, the increase could be as high as 10% of the last payment.
🔆 Most job/industry do not have special adjustment on the premium
But, some specific jobs like garage, security, and/or without jobs normally affect a slight increase in the cost. Student is possibly the most expensive of all. Depending on the vehicle model, these jobs could cause a hundred, or a few hundred HKD increase.
🔯 NCD/NCB (No Claim Discount/Bonus)
NCD offers a great discount but not for vehicles with 10 something years of history since manufactured. Any increase in NCD in this case simply offset any increase in % next year. An example of a Toyota Sienta 2009 third party insurance fee is around HK$3700 something (with 30% NCD) this year 2024, and predict to be the same price in 2025 (with 40% NCD)
📬Upon filling the application for vehicle insurance, there are two sections involved if the applicant had file a claim , or whether he/she has violated any traffic rules, under prosecution, and/or license points deducted over the past few years.
If you fall into even one of these categories, you are screwed. It's not about dropping the 60% NCD to 30%, but whether you can still continue the insurance for the next year. Most insurance companies do not want these hot potato as they are considered high risk. If you received a reject letter, you most likely won't find any other insurance firm to accept your application.
Hence, if you always lend your vehicle to friends/relatives, you should believe in his trusted skills 🍻
