7-Seater Car Insurance: Essential Protection for Your Family

Mr. Nguyen Van Tuan, owner of a grocery store in Tay Son Street, Dong Da District, Hanoi, takes great pride in his 7-seater car. He believes that his car is not just a means of transportation but also a “talisman” for his entire family. Mr. Tuan carefully chose his license plate based on feng shui, decorated the car’s interior with colors that match his destiny, and most importantly, purchased comprehensive 7-seater car insurance for “peace of mind.”

“Since buying the car, I’ve always felt secure while driving, whether it’s commuting to work, picking up my children, or traveling back to my hometown. You never know when ‘misfortune might strike,’ having insurance alleviates my worries,” Mr. Tuan shared.

Mr. Tuan’s story reflects the concerns of many 7-seater car owners. So, what types of 7-seater car insurance are available? How do you choose the right insurance package that suits your needs and financial situation? Let’s delve into the details in this article!

What is 7-Seater Car Insurance? Why is it Necessary?

7-seater car insurance is a product that covers both civil liability and physical damage specifically designed for 7-seater vehicles. By purchasing insurance, car owners are financially protected against potential risks that may occur while using the vehicle, such as:

• Traffic accidents
• Fire and explosion
• Theft
• Natural disasters, storms, and floods
• Damage or loss due to collisions

Benefits of Purchasing 7-Seater Car Insurance:

• Reduces Financial Burden: In the unfortunate event of an accident, insurance will cover repair, replacement, or compensation costs, saving you a significant amount of money.
• Peace of Mind While Driving: Without worrying about unexpected risks on the road, you can fully concentrate on driving safely and enjoy your journey.
• Protection for Yourself and the Community: Compulsory civil liability insurance helps you compensate for damage to third parties in case of an accident.

Common Types of 7-Seater Car Insurance

Currently, there are many insurance providers in the market offering a variety of 7-seater car insurance packages. However, they can be divided into two main types:

1. Compulsory Civil Liability Insurance (TNDSBB): This is mandatory for all car owners according to the law. When participating in TNDSBB insurance, the car owner will be protected from liability for damages caused by the vehicle to third parties regarding:

• Bodily Injury: Medical expenses, funeral expenses, disability benefits, death benefits, etc.
• Property Damage: Repair or replacement costs for damaged property.

2. Physical Damage Insurance (BHVCTX): This is not compulsory; car owners can voluntarily participate to be financially protected against risks that cause damage to their own vehicle, including:

• Fire and explosion
• Accidents and collisions
• Natural disasters and floods
• Theft of parts or the entire vehicle
• Damage or loss due to other causes (as specified in each insurance package)

7-seater car with insurance advertisement

Reference Price List for 7-Seater Car Insurance

Note: The price list is for reference only; the actual insurance premium may vary depending on:

• Insurance company
• Insurance package
• Vehicle value
• Registration area
• Driver’s accident history

To receive the most accurate quote, please contact insurance agents directly or visit the XE TẢI HÀ NỘI website.

Important Notes When Purchasing 7-Seater Car Insurance

• Choose a Reputable Insurance Company: Consult with friends, relatives, or research information on reputable forums and websites to choose an insurance company with good service and prompt, transparent claims payment.
• Carefully Compare Insurance Packages: Each insurance package will have different premiums and benefits. Carefully read the terms and conditions of each package to choose the one that best suits your needs and financial capabilities.
• Declare Information Honestly: When purchasing insurance, you must fully and accurately declare information about the vehicle and the insured. False declarations can lead to claim denial in the event of an accident.
• Keep the Contract Safe: After completing the insurance purchase procedure, carefully check the information on the contract and keep it safe for future use.