Bao hiem xe Uc: CTP, third party va comprehensive khac nhau

Uc co ba cap bao hiem xe — khong phai ai cung can comprehensive nhung CTP la bat buoc.

Chon dung giam chi phi ma van an toan phap ly.

Tóm tắt nhanh

• CTP: bat buoc moi bang/territory, bao nguoi bi thuong.
• Third party property: bao xe/tai san nguoi khac, khong bao xe minh.
• Comprehensive: bao ca xe minh du la loi ai.
• Chi phi: phu thuoc tuoi xe, dia diem, lich su lai xe.

3 loai bao hiem xe tai Uc

• CTP: Bat buoc — bao tham thuong than the
• Third party property: Bao xe nguoi khac, phi ~$300–$600/nam
• Comprehensive: Bao toan bo, phi ~$800–$2.000+/nam

So sanh phi theo tuoi xe

• Xe cu (> 10 tuoi): comprehensive co the khong dang vi phi cao hon gia tri xe
• Xe moi hoac vay ngan hang: comprehensive la bat buoc theo hop dong vay
• Xe gia tri trung: third party fire & theft la lua chon o giua
• So sanh gia: NRMA, Allianz, Budget Direct, Youi

Câu hỏi thường gặp

CTP duoc tinh bao nhieu moi nam?

Khac theo bang: NSW ~$400–$600, VIC ~$300–$450. Tinh vao phi dang ky xe hang nam.

Tai nan khong phai loi minh co duoc bao hiem khong?

Comprehensive bao ca truong hop nay. Third party chi bao loi cua nguoi khac khi ho co comprehensive.

Tham khao financial adviser co dang ky truoc khi mua bao hiem tai chinh.

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