2024년 09월 16일
KB손해보험 자동차 보험

 

안녕하세요

 

오늘은 새롭게 선보이는 “보험” 카테고리를 소개해드리려고 합니다.

 

첫 포스팅의 고민은 항상 많은 것 같습니다.

 

보험 중에도 많이 찾는 보험이 무엇일까 생각해보니 자동차 보험이 생각이 났습니다.

 

오늘 소개해드릴 보험은 “KB손해보험 자동차 보험”입니다.

 

자동차보험은 일상생활에 없어서는 안될 보험 중 하나로 자리 잡고 있습니다.

 

지금 바로 자세히 설명드리겠습니다. (추가적인 내용은 항상 홈페이지를 확인해주세요)

 

 

 





 

 

KB손해보험 자동차 보험

 

KB손해보험 자동차 보험 보장 안내

 

자동차 보험의 보장은 두 가지 종류입니다.

 

타인의 피해를 보장하는 담보와 자신의 피해를 보상하는 담보입니다.

 

타인의 피해를 보장하는 담보

 

1. 대인 배상

 

자동차 운전 중 발생할 수 있는 사고로 인해 타인에게 입힌 상해와 사망에 대한 보상을 제공하는 보장 내용입니다.

자동차 사고로 인해 타인의 재산 피해나 인체 피해가 발생할 경우, 보험 가입자의 법적 책임을 대신하여 피해자에게 보상을 제공합니다.

이는 사고로 인한 재산 손실과 신체 피해를 최소화하며, 피해자와의 분쟁을 예방하는 역할을 합니다.

 

대인 배상 1

 

자동차사고로 타인을 다치거나 사망하게 한 경우

  • 사망/후유장해 : 1인당 1억 5천 만원 한도
  • 부상 : 1인당 3천 만원 한도

 

대인 배상 2

 

자동차사고로 타인을 다치거나 사망하게 한 경우 대인 1을 초과한 손해액 보상

  • 가입금액 : 1인당 1억 원, 2억 원, 3억 원, 무한

 

2. 대물배상

 

자동차 운전 중 발생할 수 있는 사고로 인해 타인의 재산에 입힌 손해에 대한 보상을 제공하는 보장 내용입니다.

사고로 인해 타인의 자동차, 건물, 시설물 등의 재산에 피해가 발생한 경우, 보험 가입자의 법적 책임을 대신하여 피해자에게 보상을 제공합니다.

이는 자동차 사고로 인한 재산 손실을 최소화하며, 피해자와의 분쟁을 예방하는 역할을 합니다.

 

자동차 사고로 타인의 차량이나 재물을 없애거나 훼손한 경우

  • 가입 금액 : 1사고 당 2천만 원, 3천만 원, 5천만 원, 7천만 원, 1억 원, 2억 원, 3억 원, 5억 원, 10억 원
  • 1사고 당 2천만 원은 의무 가입 입니다.

 

3. 외국산 자동차 충돌 확대 보상

 

외산차와 국산차 간의 충돌 사고 시에 추가적인 보상을 제공하는 보장 내용입니다.

외산차의 부품비용이 국산차에 비해 높은 경우가 많아, 외산차 소유자들이 사고 시에 더 큰 경제적 부담을 갖게 될 수 있습니다.

외산차 운전자들을 위해 외산차와의 충돌 사고 시에 더 넓은 범위의 보상을 제공하여 보다 안정적인 보호를 제공합니다.

 

자신의 피해를 보장하는 담보

 

1. 자기신체사고 or 자동차 상해

 

자동차 운전 중 발생할 수 있는 사고로 인해 운전자 자신이 상해를 입은 경우에 대한 보상을 제공하는 보장 내용입니다.

운전 중 발생하는 사고로 인해 운전자가 상해를 입을 수 있으며, 이로 인해 의료비와 생활에 따른 손실이 발생할 수 있습니다.

운전자들이 이러한 상황에서도 보다 안정적인 경제적 보호를 제공하여 안심하고 운전할 수 있도록 합니다.

 

자동차 사고로 본인 또는 가족이 다치거나 사망한 경우

 

  • 자기신체사고 가입 금액(사망/후유장해) : 1,5천만 원,3천만 원, 5천만 원, 1억 원 (부상 : 1.5천만 원, 3천만 원,5천만 원, 1억 원)
  • 자동차상해 가입 금액(사망/후유장해) : 1억 원, 2억 원,3억 원, 5억 원 (부상 : 1천만 원, 2천만 원, 3천만 원,5천만 원, 1억 원)

 

2. 무보험차상해

 

보험 가입자가 보험에 가입하지 않은 상대방 차량과의 충돌 사고 시에 추가적인 보상을 제공하는 보장 내용입니다.

상대방이 보험에 가입하지 않은 경우, 사고로 인해 생기는 손해를 보상 받기 어렵습니다.

운전자들을 위해 무보험차와의 충돌 사고 시에도 보다 안정적인 경제적 보호를 제공하는 보장입니다.

 

무보험차량 , 뺑소니차량으로 본인 또는 가족이 다치거나 사망한 경우

 

  • 가입금액 : 1인당 2억원, 3억원, 5억원
  • 대인배상I, 대인배상II, 대물배상, 자기신체사고(자동차상해)에 모두 가입하는 경우에 한하여 가입할 수 있습니다.

 

3. 자기차량손해

 

운전자가 자신의 차량에 발생하는 손해를 보호하는 보장 내용입니다.

차량은 사고, 분실, 도난 등 다양한 위험에 노출되어 있으며, 이로 인해 생기는 손해는 경제적으로 큰 부담이 될 수 있습니다.

운전자들이 자신의 차량을 보다 안정적으로 보호받을 수 있도록 자기차량손해 보장을 제공합니다.

 

자동차사고로 자기차량에 직접적인 생긴 손해

 

  • 자기부담금 : 자차사고 발생시 자기차량손해 보험금의 20% 또는 30%
    (자기부담금 20% 기준 : 피보험자가 부담하는 최고금액은 사고건당 50만원이며, 최저금액은 보험계약의 물적사고 할증기준금액의 10%)

 





 

KB손해보험 자동차 보험 특약 할인

 

1. 운행거리가 적은 경우라면, 마일리지 특약 가입으로 5~35%

 

2천km이하: 35% / 4천km이하 : 30% / 6천km이하 : 26% / 8천km이하 : 20.5%

1만km이하 : 17% / 1만2천km이하 : 7.1% / 1만5천km이하 : 5%

 

※ 연간 운행거리가 1만5천km이하로 짧은 고객이시라면 운행거리에 따른 추가 할인율을 확인하세요.

 

할인율 산정 방식

마일리지 특약의 할인율은 고객의 운전 습관에 따라 동적으로 산정됩니다.

주행 데이터와 운전 습관을 분석하여 다음과 같은 요소를 고려하여 할인율이 결정됩니다

 

  1. 주행 거리: 주행한 거리가 짧을수록 보험료 할인율이 높아집니다.주행 거리가 적을수록 사고 발생 확률이 낮아져 할인 혜택을 받을 수 있습니다.
  2. 주행 패턴: 운전 중 급 가속, 급제동 등의 급격한 변화가 적을수록 할인율이 높아집니다.안정적인 주행 습관을 갖춘 운전자에게 더 큰 할인이 제공될 수 있습니다.
  3. 시간대: 일반적으로 야간이나 새벽 시간대에 운전하는 경우 더 높은 사고 발생 확률로 인해 할인율이 낮아질 수 있습니다.

 

 

2. 안전운전에는 할인이 정답! 티맵안전운전할인 특약가입으로 3~12.3%할인

 

TMAP 어플안에서 안전운전프로그램을 작동하고 목적지 설정 후 누적 1,000km이상 주행하여

산정된 점수가 65/70점 이상일 경우 할인해 드립니다.

 

(70점 이상: 12.3%할인 65점 이상: 3% 할인)

 

 

3. 대중교통을 자주 이용한다면, 대중교통 이용 할인 특약 가입으로 5~8%

 

기명피보험자한정특약 가입일 경우 12만원이상 8%, 6만원이상 5% 할인

부부한정특약 가입일 경우 24만원이상 8%, 12만원이상 5% 할인

 

(3개월 누적 대중교통 이용 실적)

 

 

4. 만 6세 이하 자녀가 있는 운전자라면,보험료 8% 절약 하는 자녀할인특약

 

보험 가입자(부모)와 부 보험 가입자(자녀) 간의 가족 구성원들에게 보험료 할인을 제공하는 특약입니다.

 

부모와 부 보험 가입자의 관계에 따라 적용되며, 자녀들의 보험료에 특정 비율의 할인 혜택을 부여합니다.

 

 

5. 건강도 챙기면서 할인도 받으려면! 걸음수 할인특약으로 3% 할인

 

고객들의 일일 걸음수를 측정하기 위해 스마트 웨어러블 기기나 스마트폰 앱을 활용합니다.

 

고객들은 일정한 기간 동안(일반적으로 한 달) 걸음수를 측정하고, 이를 보험사에 제출합니다.

 

측정된 걸음수가 일정 목표치를 달성한 경우, 보험료 할인 혜택을 받을 수 있습니다.

 

점수 확인시점 직전 90일 이내 5천보 이상 달성일수가 50일 이상인 경우 할인해 드립니다.

 

 

6. 내 차가 안전하도록 첨단 안전 장치를 장착했다면 특약으로 4~7% 할인

 

– 차선이탈방지장치 + 전방충돌방지장치 장착시 7%할인
– 차선이탈방지장치 장착시 4%할인
– 전방충돌방지장치 장착시 4%할인

최초출고시에 기본부속으로 출고된 경우 사진증빙없이 자동할인해 드립니다.

출고시 옵션으로 선택한 경우 확인할 수 있는 사진(차량앞모습1장, 차량실내장착표시사진1장 또는 2장) 첨부

출고이후 추가한 부속이나, 블랙박스의 부가기능으로 할인이 불가함에 주의하시길 바랍니다.

 

 

7. 블랙박스를 장착하셨다면, 특약으로 1~4.7% 할인

 

개인소유 승용자동차 : 차량연식 3년미만 4.7%할인, 차량연식 12년미만 2.9%할인, 차량연식 12년이상 할인X
개인/법인 소유 업무용자동차 : 차량연식 7년미만 3.9%할인, 차량연식 10년미만 1.0%할인

 

8. 3년 연속 무사고 운전 고객님들께는 최대 13.0% 할인!

 

3년 연속 무사고 안전 운전자에게 보험료를 할인해 드립니다.
3년 연속 무사고 할인율은 피보험자의 무사고 연속기간 및 연령, 성별, 차종 등에 따라 상이합니다.

 

(개인소유 업무용 소형차는 16.4% 할인)

 

※ 모든 자세한 내용은 KB손해보험 홈페이지 방문하여 확인하시길 바랍니다.

 


 

경제 관련하여 매번 올리고 있는 상황입니다.

 

적금과 예금 중심으로 시작했지만 점점 소재가 많이 없어졌습니다.

 

그래서 카테고리를 많이 늘려보자는 생각에 보험, 나아가서는 대출까지 할 예정입니다.

 

매번 긴 글 잘 봐주셔서 감사합니다.

 

 

연 이율이 10%가 넘는 적금이 있다??

↓↓↓↓↓↓↓↓↓↓↓↓↓↓↓↓↓↓

130 thoughts on “KB손해보험 자동차 보험 보장 내용 & 할인 특약 (최대 35% 할인)

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