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alex_xu0320 发表于 2015-1-8 01:15 
按月付保费的还要补齐全年的？
我之前在racv，claim时问人家可否把我剩下的保费推给我，人家说writeoff的 ...
我用的保险公司是要补全的。看了GIO的网站上解释的很清楚：http://www.gio.com.au/payments/pay-by-the-month
Total Loss
If we decide repairs are not economical for your car or boat, or we pay out a claim for the full sum insured on your home, we will deduct the remaining instalments due for the full period of insurance from the amount we pay for the claim and your cover then stops.
RACV上也有解释
http://www.racv.com.au/wps/wcm/c ... w+we+settle+a+claim
If your vehicle is a total loss – Comprehensive Insurance
If you have Comprehensive Insurance and we consider your vehicle to be a total loss:
we will:
pay you the agreed value or market value depending on the cover listed on your current Certificate of Insurance after deducting:
any unpaid premium, and
any applicable excesses, and
the unused portions of the registration and Compulsory Third Party Insurance (if applicable) that you are entitled to. What will be unused will depend on the time between registration and the incident and the refund rules in your State or Territory.
if we pay a total loss:
your Policy comes to an end and no refund of premium is due to you, and
the vehicle becomes our property.
具体的就看RACV怎么定义unpaid premium
另一个链接http://www.racv.com.au/wps/wcm/c ... hat+you+should+know
You can pay your premium:
annually in one lump sum, or
by monthly instalments by direct debit from an account or credit card you nominate, if we offer that option to you.
我理解的不乐观按月付是要补齐全的。最好是买的时候跟保险公司确认清楚。书面的。 |
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