汽车专业英语_课件第6章汽车专业英语_课件.pptVIP

　　Insurer: It always subgroups five teams according to its price, every one of which has its base minimal insurance premium. The premium rate refers to the odds between the vehicle’s price and step’s price. 　　Insurant: Can you say it in detailed way? 　　Insurer: The premium is to be calculated in this way. For example, one vehicle whose price is 200,000 RMB, and it is between the step for 200,000 and 300,000(the subgroup is only containing the starting point), you can see about the figure followed and find out its base insurance 2,166, because it is the starting point. Thus the premium is 2,166. 　　If the vehicle’s price is 250,000 RMB, and its premium is 1.038%, then its premium is calculated as follows:250,000 subtracts 200,000 then multiplies 1.038%, and plus 2,166, you can calculate the total value 2,685. 　　Insurant: Don’t the time of usage is unconcerned about it? Insurer: It is different according to the type of insurant, usage of vehicle, number of seat, time of vehicle, but its calculating methods is same. All the contents will be defined in fine print. 　　Insurant: The premium has risen at present, why? Insurer: After an unprecedented wave of car thefts, insurance premiums are set to rise substantially. 　　Insurant: All the calculating methods are same, aren’t they? 　　Insurer: The premium for Risk of Breakage is price multiply premium rate. The calculating methods for other programmers of insurance are different. 　　Insurant: What risks are to be covered for customers as a general rule. 　　Insurer: It is generally divided into two types, one is All Risks which is combined four risks as mentioned before; Another is determined by customer himself. 　　Insurant: An All Risks policy covers every sort of hazard, doesn’t it? 　　Insurer: That’s right. 　　Insurant: What is the insurance premium then? 　　Insurer: The calculating method is familiar to the mentioned before. 　　Insurant: Can you give me an insurance rate and its detailed information? I’ll take a thorough look at