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  • ขั้นที่ 4 ขับรถดีติดต่อกันเป็นปีที่ 4 ได้ส่วนลดเพิ่มอีก 10 % ได้รับส่วนลดสูงสุด 50 % แม้ว่าปีต่อ ๆ ไปจะยังมีประวัติดีอยู่ก็ตาม

ไม่ว่าเพื่อน ๆ จะทำประกันภัยรถยนต์กับบริษัทประกันภัยที่ไหน ก็สามารถขอรับส่วนลดตรงนี้ได้เพราะเป็นข้อบังคับของ คปภ.
ในกรณีที่เกิดขอเคลมส่วนลดเบี้ยประกันรถยนต์จะถูกลดลงมาตามลำดับ เช่น ขับรถดีมา 4 ปี ได้ส่วนลดสูงสุด 50 % ในปีที่ 6 เกิดขอเคลม ส่วนลดจะถูกลดลงมา 1 ขั้น หรือก็คือ ลบ 10 % จาก 50 % จะเหลือ 40 % นั้นเอง

ระบุชื่อคนขับ

วิธีลดค่าเบี้ยประกันภัยรถยนต์ที่ 2 นี้เปรียบเหมือนกับการลดภาระให้กับทาง บริษัทประกันภัยรถยนต์ เนื่องจากทางบริษัทประกันภัยจะรับผิดชอบเฉพาะบุคคลที่แจ้งเอาไว้กับทางบริษัทประกันภัยเท่านั้น สามารถระบุได้สูงสุด 2 รายชื่อ คิดคำนวณตามอายุของผู้ทำประกันภัยรถยนต์ จะคิดจากคนที่มีอายุมากที่สุด แบ่งตามช่วงอายุได้ 4 ช่วงตามนี้

  • 18 – 24 ปี ได้ส่วนลด 5 %
  • 25 – 35 ปี ได้ส่วนลด 10 %
  • 36 – 50 ปี ส่วนลดเพิ่มขึ้นเป็น 15 %
  • อายุเกิน 50 ปี ขึ้นไปได้ส่วนลดระบุชื่อผู้ขับขี่สูงสุด 20 %
ยอมรับค่าเสียหายส่วนแรก (Deductible)

ส่วนลดเบี้ยประกันที่เหมาะสำหรับผู้ที่มีความสามารถในการขับขี่ระดับนึง เป็นการตกลงช่วยแบ่งเบาภาระค่าเสียหายส่วนแรกกับทางบริษัทประกันภัย เมื่อเกิดอุบัติเหตุแล้วเป็นฝ่ายผิดต้องจ่ายค่าเสียหายส่วนแรกไปก่อน

ตามที่กำหนดตั้งแต่ 1,000 – 5,000 บาท ตามที่ระบุเอาไว้ เช่น เกิดอุบัติเหตุ ระบุค่าเสียหายส่วนแรกไว้ 5,000 บาท เมื่อขอเคลมก็ต้องออกจ่ายเงินไปก่อนตามจริงแต่ไม่เกิน 5,000 บาท หากเกินบริษัทประกันก็จะเป็นคนรับผิดชอบส่วนที่เหลือ

โดยเราจะได้ส่วนลดประกันภัยรถยนต์ตามจำนวนที่ระบุเอาไว้ เช่น ราคาประกันภัยรถยนต์ 20,000 บาท ระบุค่าเสียหายส่วนแรก 5,000 เบี้ยประกันที่ต้องจ่ายจะเท่ากับ 15,000 บาท

วิธีนี้ไม่เหมาะกับผู้เริ่มต้นขับขี่รถยนต์ที่มักเกิดอุบัติเหตุเคลมเล็ก ๆ น้อย ๆ แต่เหมาะกับกรณีอุบัติเหตุใหญ่

ความรู้ประกันภัยรถยนต์

เรื่องของ ประกันภัยรถยนต์ มีเยอะเอามาก ๆ ทั้งคำศัพท์ทางประกันภัย ต่าง ๆ หรือเรื่องของทริคนิคประกันภัยรถยนต์ก็เยอะจนเขียนไม่หมดแต่ก็มีบางเรื่องที่เพื่อน ๆ ควรรู้ก่อนตัดสินใจซื้อประกันรถยนต์กับบริษัทประกันภัย
ค่า Excess คืออะไร

ค่าเสียหายส่วนแรกที่จะต้องจ่ายเมื่อเกิดอุบัติเหตุที่ไม่ได้เกิดจากการชน หรือแบบไม่มีคู่กรณี

คปภ ออกกฎนี้มาเพื่อป้องกันคนหัวหมอที่ต้องการขอเคลมฟรี โดยได้ระบึไว้แบบนี้

“การเคลมที่ไม่ต้องเสีย ค่า Excess จะต้องเกิดมาจากการชน ปะทะ หรือบุบให้เห็นอย่างชัดเจน ไม่ใช่รอยครูด ถลอด หรือเฉี่ยว”

เป็นจำนวนเงิน 1,000 บาทต่อครั้ง

Deductible คืออะไร

เรียกว่าค่าเสียหายส่วนแรกเหมือนกับ ค่า Excess แต่แตกต่างกันโดยสิ้นเชิง

deductible คือค่าเสียหายส่วนแรกที่เรายินยอมที่จะรับผิดชอบร่วมกับบริษัทประกันภัยเมื่อขอเคลมตามที่ระบุในกรมธรรม์ประกันภัยรถยนต์

เบี้ยประกัน คืออะไร

จำนวนเงินที่ผู้ทำประกันภัยจะต้องจ่ายให้กับบริษัทประกันภัยเป็นค่าตอบแทนแลกกับความคุ้มครองมีให้เลือกชำระได้หลากหลายแบบในปัจจุบัน  เช่น ผ่อนประกันรถยนต์ ประกันรถยนต์เปิดปิด ประกันรถยนต์รายวัน เป็นต้น

ทุนประกัน คืออะไร

จำนวนเงินความคุ้มครองที่ บริษัทประกัน จะจ่ายให้กับผู้ทำประกันตามความเสียหายที่ขึ้นเกิดขึ้นจริงและตรงต่อเงื่อนไขของกรมธรรม์