{"id":2174,"date":"2022-08-29T11:02:56","date_gmt":"2022-08-29T04:02:56","guid":{"rendered":"https:\/\/news.saladin.vn\/?p=2174"},"modified":"2024-04-25T17:39:11","modified_gmt":"2024-04-25T10:39:11","slug":"quy-dinh-bao-hiem-than-vo-xe-o-to-va-cach-tinh-gia-tri-bao-hiem-than-vo","status":"publish","type":"post","link":"https:\/\/www.saladin.vn\/blog\/bao-hiem-o-to\/quy-dinh-bao-hiem-than-vo-xe-o-to-va-cach-tinh-gia-tri-bao-hiem-than-vo\/","title":{"rendered":"Quy \u0111\u1ecbnh b\u1ea3o hi\u1ec3m th\u00e2n v\u1ecf xe \u00f4 t\u00f4 v\u00e0 c\u00e1ch t\u00ednh gi\u00e1 tr\u1ecb b\u1ea3o hi\u1ec3m th\u00e2n v\u1ecf"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_76 ez-toc-wrap-left counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">M\u1ee4C L\u1ee4C<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #259356;color:#259356\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #259356;color:#259356\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.saladin.vn\/blog\/bao-hiem-o-to\/quy-dinh-bao-hiem-than-vo-xe-o-to-va-cach-tinh-gia-tri-bao-hiem-than-vo\/#1_Bao_hiem_than_vo_o_to_la_gi\" >1. B\u1ea3o hi\u1ec3m th\u00e2n v\u1ecf \u00f4 t\u00f4 l\u00e0 g\u00ec?&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.saladin.vn\/blog\/bao-hiem-o-to\/quy-dinh-bao-hiem-than-vo-xe-o-to-va-cach-tinh-gia-tri-bao-hiem-than-vo\/#2_Bao_hiem_than_vo_o_to_co_bat_buoc_khong\" >2. B\u1ea3o hi\u1ec3m th\u00e2n v\u1ecf \u00f4 t\u00f4 c\u00f3 b\u1eaft bu\u1ed9c kh\u00f4ng?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.saladin.vn\/blog\/bao-hiem-o-to\/quy-dinh-bao-hiem-than-vo-xe-o-to-va-cach-tinh-gia-tri-bao-hiem-than-vo\/#3_Cach_tinh_gia_tri_bao_hiem_than_vo_khi_mua_bao_hiem_o_to_online\" >3. C\u00e1ch t\u00ednh gi\u00e1 tr\u1ecb b\u1ea3o hi\u1ec3m th\u00e2n v\u1ecf khi mua b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 online&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.saladin.vn\/blog\/bao-hiem-o-to\/quy-dinh-bao-hiem-than-vo-xe-o-to-va-cach-tinh-gia-tri-bao-hiem-than-vo\/#4_Nhung_loi_ich_bao_hiem_than_vo_o_to_mang_lai\" >4. Nh\u1eefng l\u1ee3i \u00edch b\u1ea3o hi\u1ec3m th\u00e2n v\u1ecf \u00f4 t\u00f4 mang l\u1ea1i<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.saladin.vn\/blog\/bao-hiem-o-to\/quy-dinh-bao-hiem-than-vo-xe-o-to-va-cach-tinh-gia-tri-bao-hiem-than-vo\/#5_Quy_dinh_bao_hiem_than_vo_xe_o_to\" >5. Quy \u0111\u1ecbnh b\u1ea3o hi\u1ec3m th\u00e2n v\u1ecf xe \u00f4 t\u00f4<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.saladin.vn\/blog\/bao-hiem-o-to\/quy-dinh-bao-hiem-than-vo-xe-o-to-va-cach-tinh-gia-tri-bao-hiem-than-vo\/#6_Thu_tuc_lam_bao_hiem_than_vo_o_to_can_luu_y\" >6. Th\u1ee7 t\u1ee5c l\u00e0m b\u1ea3o hi\u1ec3m th\u00e2n v\u1ecf \u00f4 t\u00f4 c\u1ea7n l\u01b0u \u00fd<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.saladin.vn\/blog\/bao-hiem-o-to\/quy-dinh-bao-hiem-than-vo-xe-o-to-va-cach-tinh-gia-tri-bao-hiem-than-vo\/#7_Ket_luan\" >7. K\u1ebft lu\u1eadn<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n\n\n<div class=\"wp-block-columns has-background is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\" style=\"background-color:#defdff\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1492\" height=\"1253\" src=\"https:\/\/cdn-blog.saladin.vn\/contents\/2024\/04\/24160114\/Si-CarCom.png\" alt=\"\" class=\"wp-image-21922\" srcset=\"https:\/\/cdn-blog.saladin.vn\/contents\/2024\/04\/24160114\/Si-CarCom.png 1492w, https:\/\/cdn-blog.saladin.vn\/contents\/2024\/04\/24160114\/Si-CarCom-300x252.png 300w, https:\/\/cdn-blog.saladin.vn\/contents\/2024\/04\/24160114\/Si-CarCom-1024x860.png 1024w, https:\/\/cdn-blog.saladin.vn\/contents\/2024\/04\/24160114\/Si-CarCom-768x645.png 768w\" sizes=\"auto, (max-width: 1492px) 100vw, 1492px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<p class=\"has-text-align-left has-text-color has-link-color wp-elements-7b7335f33daf8b0bd482d3ad03c7874b\" style=\"color:#1e3888;font-size:16px;line-height:1.1\"><strong>Nh\u1eadn b\u00e1o gi\u00e1 t\u1eeb 6 C\u00f4ng ty B\u1ea3o hi\u1ec3m v\u1eadt ch\u1ea5t \u00f4 t\u00f4<\/strong><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\"><div style=\"gap: 20px;\" class=\"align-button-center ub-buttons orientation-button-row ub-flex-wrap wp-block-ub-button\" id=\"ub-button-e6363d88-ddf1-4584-a973-e9d90f26a153\"><div class=\"ub-button-container\">\n\t\t\t<a href=\"https:\/\/www.saladin.vn\/mua-bao-hiem-vat-chat-toan-dien-xe-oto\/thong-tin-xe?utm_source=Blog&amp;utm_medium=Promotion&amp;utm_content=Article&amp;utm_campaign=CarCom_01042026_Camp_PromoAprMay\" target=\"_blank\" rel=\"noopener noreferrer  \" class=\"ub-button-block-main   ub-button-flex\" role=\"button\" style=\"--ub-button-background-color: #14c560; --ub-button-color: #ffffff; --ub-button-border: none; --ub-button-hover-background-color: #1D7243; --ub-button-hover-color: #ffffff; --ub-button-hover-border: none; padding-top: 10px; padding-right: 10px; padding-bottom: 10px; padding-left: 10px; border-top-left-radius: 10px;; border-top-right-radius: 10px;; border-bottom-left-radius: 10px;; border-bottom-right-radius: 10px;; \">\n\t\t\t\t<div class=\"ub-button-content-holder\" style=\"flex-direction: row\">\n\t\t\t\t\t<span class=\"ub-button-block-btn\">MUA NGAY<\/span>\n\t\t\t\t<\/div>\n\t\t\t<\/a>\n\t\t<\/div><\/div><\/div>\n<\/div>\n\n\n\n<p>Ngo\u00e0i b\u1ea3o hi\u1ec3m TNDS \u00f4 t\u00f4, b\u1ea3o hi\u1ec3m th\u00e2n v\u1ecf \u00f4 t\u00f4 c\u0169ng v\u00f4 c\u00f9ng quan tr\u1ecdng. <a href=\"https:\/\/nhandan.vn\/gan-5800-nguoi-chet-do-tai-nan-giao-thong-trong-nam-2021-post679728.html\" target=\"_blank\" rel=\"noopener nofollow\">T\u00ednh chung n\u0103m 2021, to\u00e0n qu\u1ed1c x\u1ea3y ra 11.495 v\u1ee5 tai n\u1ea1n giao th\u00f4ng<\/a>, trong \u0111\u00f3 c\u00f3 11,364 v\u1ee5 l\u00e0 tai n\u1ea1n \u0111\u01b0\u1eddng b\u1ed9 (t\u1eeb 15-12-2020 \u0111\u1ebfn 14-12-2021). Con s\u1ed1 n\u00e0y ch\u01b0a t\u00ednh \u0111\u1ebfn c\u00e1c v\u1ee5 va ch\u1ea1m nh\u1ecf tr\u00ean \u0111\u01b0\u1eddng. Do \u0111\u00f3 \u0111\u1ed1i v\u1edbi h\u1ea7u h\u1ebft t\u00e0i x\u1ebf, b\u1ea3o hi\u1ec3m th\u00e2n v\u1ecf \u00f4 t\u00f4 lu\u00f4n c\u1ea7n thi\u1ebft \u0111\u1ec3 gi\u1ea3m thi\u1ec3u t\u1ed5n th\u1ea5t v\u1ec1 xe trong tr\u01b0\u1eddng h\u1ee3p x\u1ea3y ra va ch\u1ea1m, s\u1ef1 c\u1ed1 khi l\u00e1i xe. H\u00e3y c\u00f9ng Saladin t\u00ecm hi\u1ec3u c\u00e1c <strong><a href=\"https:\/\/www.saladin.vn\/bao-hiem-vat-chat-toan-dien-xe-oto.html\">quy \u0111\u1ecbnh b\u1ea3o hi\u1ec3m th\u00e2n v\u1ecf xe \u00f4 t\u00f4<\/a><\/strong>, c\u00e1ch t\u00ednh gi\u00e1 tr\u1ecb b\u1ea3o hi\u1ec3m th\u00e2n v\u1ecf v\u00e0 c\u00e1c l\u01b0u \u00fd kh\u00e1c khi <strong><a href=\"https:\/\/www.saladin.vn\/bao-hiem-trach-nhiem-dan-su-bat-buoc-xe-oto.html\">mua b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 online<\/a><\/strong> \u1edf b\u00e0i vi\u1ebft d\u01b0\u1edbi \u0111\u00e2y nh\u00e9.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-h-5-desktop-font-size\"><span class=\"ez-toc-section\" id=\"1_Bao_hiem_than_vo_o_to_la_gi\"><\/span>1. <strong>B\u1ea3o hi\u1ec3m th\u00e2n v\u1ecf \u00f4 t\u00f4 l\u00e0 g\u00ec?&nbsp;<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>B\u1ea3o hi\u1ec3m th\u00e2n v\u1ecf \u00f4 t\u00f4 thu\u1ed9c b\u1ea3o hi\u1ec3m v\u1eadt ch\u1ea5t xe, nh\u1eb1m v\u00e0o ph\u1ea7n ngo\u1ea1i th\u1ea5t c\u1ee7a xe nh\u01b0 g\u1ea7m xe v\u00e0 khung xe. C\u1ee5 th\u1ec3 h\u01a1n, c\u00e1c b\u1ed9 ph\u1eadn bao g\u1ed3m: m\u1eb7t calang, t\u1ea5m ch\u1eafn b\u00f9n, c\u1eeda v\u00e0 k\u00ednh xe, h\u1ec7 th\u1ed1ng \u0111\u00e8n, h\u1ec7 th\u1ed1ng g\u1ea1t m\u01b0a, to\u00e0n b\u1ed9 ph\u1ea7n th\u00e2n v\u1ecf kim lo\u1ea1i, nh\u1ef1a, carbon&#8230;v.v. Khi c\u00f3 s\u1ef1 c\u1ed1 g\u00e2y t\u1ed5n h\u1ea1i \u0111\u1ebfn nh\u1eefng b\u1ed9 ph\u1eadn tr\u00ean, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd c\u00f3 tr\u00e1ch nhi\u1ec7m chi tr\u1ea3 ph\u1ea7n chi ph\u00ed kh\u1eafc ph\u1ee5c h\u01b0 h\u1ecfng theo nh\u01b0 th\u1ecfa thu\u1eadn trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_Bao_hiem_than_vo_o_to_co_bat_buoc_khong\"><\/span>2. B\u1ea3o hi\u1ec3m th\u00e2n v\u1ecf \u00f4 t\u00f4 c\u00f3 b\u1eaft bu\u1ed9c kh\u00f4ng?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>G\u00f3i b\u1ea3o hi\u1ec3m th\u00e2n v\u1ecf xe \u00f4 t\u00f4 kh\u00f4ng thu\u1ed9c <strong>b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 b\u1eaft bu\u1ed9c \u00f4 t\u00f4<\/strong> m\u00e0 l\u00e0 m\u1ed9t lo\u1ea1i b\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n. Kh\u00e1ch h\u00e0ng s\u1ebd mua d\u1ef1a tr\u00ean nhu c\u1ea7u c\u1ee7a m\u00ecnh. D\u00f9 v\u1eady, theo nhi\u1ec1u cu\u1ed9c kh\u1ea3o s\u00e1t, t\u1edbi 80% t\u00e0i x\u1ebf \u00f4 t\u00f4 \u0111\u1ec1u c\u00f3 g\u00f3i b\u1ea3o hi\u1ec3m n\u00e0y v\u00ec c\u00e1c tr\u01b0\u1eddng h\u1ee3p \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m trong g\u00f3i r\u1ea5t th\u01b0\u1eddng x\u1ea3y ra, \u0111\u1eb7c bi\u1ec7t l\u00e0 v\u1edbi nh\u1eefng ai hay l\u00e1i xe \u0111\u01b0\u1eddng d\u00e0i.<\/p>\n\n\n\n<p>Th\u1eddi h\u1ea1n <strong><a href=\"https:\/\/news.saladin.vn\/category\/bao-hiem-o-to\/\">quy \u0111\u1ecbnh b\u1ea3o hi\u1ec3m th\u00e2n v\u1ecf xe \u00f4 t\u00f4<\/a><\/strong> s\u1ebd t\u00f9y thu\u1ed9c v\u00e0o quy\u1ebft \u0111\u1ecbnh c\u1ee7a ng\u01b0\u1eddi mua, th\u01b0\u1eddng th\u1ea5y nh\u1ea5t l\u00e0 1 n\u0103m. Tuy v\u1eady n\u1ebfu c\u00f3 \u0111i\u1ec1u ki\u1ec7n v\u00e0 nhu c\u1ea7u, b\u1ea1n ho\u00e0n to\u00e0n c\u00f3 th\u1ec3 l\u1ef1a ch\u1ecdn g\u00f3i 2 n\u0103m, 3 n\u0103m,&#8230; Th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m c\u00e0ng l\u00e2u chi ph\u00ed s\u1ebd c\u00e0ng gi\u1ea3m. \u0110\u1ed3ng th\u1eddi, xe c\u1ee7a b\u1ea1n c\u0169ng \u0111\u01b0\u1ee3c b\u1ea3o h\u1ed9 d\u00e0i h\u1ea1n h\u01a1n, kh\u00f4ng c\u1ea7n t\u1ed1n c\u00f4ng s\u1ee9c l\u00e0m c\u00e1c th\u1ee7 t\u1ee5c mua l\u1ea1i.<\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter size-large is-resized advgb-dyn-b7c0e8cd\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"738\" src=\"https:\/\/news.saladin.vn\/wp-content\/uploads\/2022\/09\/bao-hiem-than-vo-o-to-la-gi-cach-tinh-gia-tri-bao-hiem-than-vo-khi-mua-bao-hiem-o-to-online-1024x738.png\" alt=\"Quy \u0111\u1ecbnh b\u1ea3o hi\u1ec3m th\u00e2n v\u1ecf xe \u00f4 t\u00f4 v\u00e0 c\u00e1ch t\u00ednh gi\u00e1 tr\u1ecb b\u1ea3o hi\u1ec3m th\u00e2n v\u1ecf khi mua b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 online\n\" class=\"wp-image-2797\" style=\"width:592px;height:426px\" srcset=\"https:\/\/cdn-blog.saladin.vn\/contents\/2022\/09\/01151123\/bao-hiem-than-vo-o-to-la-gi-cach-tinh-gia-tri-bao-hiem-than-vo-khi-mua-bao-hiem-o-to-online-1024x738.png 1024w, https:\/\/cdn-blog.saladin.vn\/contents\/2022\/09\/01151123\/bao-hiem-than-vo-o-to-la-gi-cach-tinh-gia-tri-bao-hiem-than-vo-khi-mua-bao-hiem-o-to-online-300x216.png 300w, https:\/\/cdn-blog.saladin.vn\/contents\/2022\/09\/01151123\/bao-hiem-than-vo-o-to-la-gi-cach-tinh-gia-tri-bao-hiem-than-vo-khi-mua-bao-hiem-o-to-online-768x553.png 768w, https:\/\/cdn-blog.saladin.vn\/contents\/2022\/09\/01151123\/bao-hiem-than-vo-o-to-la-gi-cach-tinh-gia-tri-bao-hiem-than-vo-khi-mua-bao-hiem-o-to-online.png 1388w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading has-h-5-desktop-font-size\"><span class=\"ez-toc-section\" id=\"3_Cach_tinh_gia_tri_bao_hiem_than_vo_khi_mua_bao_hiem_o_to_online\"><\/span><strong>3. C\u00e1ch t\u00ednh gi\u00e1 tr\u1ecb b\u1ea3o hi\u1ec3m th\u00e2n v\u1ecf khi <a href=\"https:\/\/www.saladin.vn\/bao-hiem-vat-chat-toan-dien-xe-oto.html\">mua b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 online<\/a>&nbsp;<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">3.1 C\u00e1ch t\u00ednh gi\u00e1 tr\u1ecb b\u1ea3o hi\u1ec3m th\u00e2n v\u1ecf<\/h3>\n\n\n\n<p><strong>C\u00e1ch t\u00ednh ti\u1ec1n b\u1ea3o hi\u1ec3m th\u00e2n v\u1ecf xe \u00f4 t\u00f4<\/strong> c\u00f3 c\u00f4ng th\u1ee9c t\u1ed5ng qu\u00e1t nh\u01b0 sau:&nbsp;<\/p>\n\n\n\n<ul class=\"has-primary-50-background-color has-background wp-block-list\">\n<li><strong>Ph\u00ed b\u1ea3o hi\u1ec3m th\u00e2n v\u1ecf = Gi\u00e1 tr\u1ecb th\u1ef1c c\u1ee7a xe&nbsp; x&nbsp; T\u1ef7 l\u1ec7 ph\u00ed.<\/strong><\/li>\n<\/ul>\n\n\n\n<p>Hai kh\u00e1i ni\u1ec7m c\u1ea7n quan t\u00e2m trong c\u00f4ng th\u1ee9c n\u00e0y l\u00e0 <strong>gi\u00e1 tr\u1ecb th\u1ef1c c\u1ee7a xe<\/strong> v\u00e0<strong> t\u1ef7 l\u1ec7 ph\u00ed <\/strong>c\u0169ng c\u00f3 c\u00f4ng th\u1ee9c t\u00ednh ri\u00eang nh\u01b0 sau:<\/p>\n\n\n\n<ul class=\"has-primary-50-background-color has-background wp-block-list\">\n<li><strong>Gi\u00e1 tr\u1ecb th\u1ef1c c\u1ee7a xe = T\u1ef7 l\u1ec7 t\u1ed1i thi\u1ec3u ch\u1ea5t l\u01b0\u1ee3ng c\u00f2n l\u1ea1i c\u1ee7a xe sau th\u1eddi gian \u0111\u00e3 s\u1eed d\u1ee5ng x Gi\u00e1 xe m\u1edbi.<\/strong><\/li>\n\n\n\n<li><strong>T\u1ef7 l\u1ec7 ph\u00ed = T\u1ef7 l\u1ec7 ph\u00ed c\u01a1 b\u1ea3n (ph\u1ea1m vi c\u01a1 b\u1ea3n) + t\u1ef7 l\u1ec7 ph\u00ed l\u1ef1a ch\u1ecdn b\u1ed5 sung (ph\u1ea1m vi m\u1edf r\u1ed9ng).<\/strong><\/li>\n<\/ul>\n\n\n\n<p>Khi t\u00ednh c\u00e1c gi\u00e1 tr\u1ecb n\u00e0y, ch\u00fang ta c\u0169ng c\u1ea7n l\u01b0u \u00fd \u0111\u1ebfn \u0111\u1ed9 m\u1edbi, c\u0169 c\u1ee7a xe. Trong hai c\u00f4ng th\u1ee9c t\u00ednh <strong>gi\u00e1 tr\u1ecb th\u1ef1c c\u1ee7a xe<\/strong> v\u00e0<strong> t\u1ef7 l\u1ec7 ph\u00ed <\/strong>\u1edf tr\u00ean, c\u00f3 th\u00eam m\u1ed9t v\u00e0i quy \u0111\u1ecbnh trong <strong>T\u1ef7 l\u1ec7 t\u1ed1i thi\u1ec3u ch\u1ea5t l\u01b0\u1ee3ng c\u00f2n l\u1ea1i c\u1ee7a xe sau th\u1eddi gian \u0111\u00e3 s\u1eed d\u1ee5ng <\/strong>v\u00e0 <strong>T\u1ef7 l\u1ec7 ph\u00ed c\u01a1 b\u1ea3n (ph\u1ea1m vi c\u01a1 b\u1ea3n) + t\u1ef7 l\u1ec7 ph\u00ed l\u1ef1a ch\u1ecdn b\u1ed5 sung (ph\u1ea1m vi m\u1edf r\u1ed9ng) <\/strong>\u0111\u1ec3 \u00e1p d\u1ee5ng cho c\u00e1c lo\u1ea1i xe c\u0169, m\u1edbi kh\u00e1c nhau khi mu\u1ed1n mua b\u1ea3o hi\u1ec3m th\u00e2n v\u1ecf xe \u00f4 t\u00f4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3.2 M\u1ee9c b\u1ea3o hi\u1ec3m th\u00e2n v\u1ecf xe \u00f4 t\u00f4 c\u1ea7n l\u01b0u \u00fd<\/h3>\n\n\n\n<p><strong>T\u1ef7 l\u1ec7 t\u1ed1i thi\u1ec3u ch\u1ea5t l\u01b0\u1ee3ng c\u00f2n l\u1ea1i c\u1ee7a xe sau th\u1eddi gian \u0111\u00e3 s\u1eed d\u1ee5ng <\/strong>\u0111\u01b0\u1ee3c quy chi\u1ebfu theo b\u1ea3ng d\u01b0\u1edbi \u0111\u00e2y:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>100% gi\u00e1 tr\u1ecb \u0111\u1ed1i v\u1edbi xe m\u1edbi mua<\/li>\n\n\n\n<li>85% gi\u00e1 tr\u1ecb \u0111\u1ed1i v\u1edbi xe s\u1eed d\u1ee5ng 1 &#8211; 3 n\u0103m<\/li>\n\n\n\n<li>70% gi\u00e1 tr\u1ecb \u0111\u1ed1i v\u1edbi xe s\u1eed d\u1ee5ng 3 &#8211; 6 n\u0103m<\/li>\n\n\n\n<li>55% gi\u00e1 tr\u1ecb \u0111\u1ed1i v\u1edbi xe s\u1eed d\u1ee5ng 6 &#8211; 10 n\u0103m<\/li>\n\n\n\n<li>40% gi\u00e1 tr\u1ecb \u0111\u1ed1i v\u1edbi xe s\u1eed d\u1ee5ng tr\u00ean 10 n\u0103m<\/li>\n<\/ul>\n\n\n\n<p>Ngo\u00e0i ra,<strong> t\u1ef7 l\u1ec7 ph\u00ed c\u01a1 b\u1ea3n (ph\u1ea1m vi c\u01a1 b\u1ea3n) + t\u1ef7 l\u1ec7 ph\u00ed l\u1ef1a ch\u1ecdn b\u1ed5 sung (ph\u1ea1m vi m\u1edf r\u1ed9ng) <\/strong>s\u1ebd \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh r\u00f5 r\u00e0ng trong g\u00f3i h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u1eadt ch\u1ea5t, th\u00e2n v\u1ecf xe \u00f4 t\u00f4. M\u1ee9c ph\u00ed th\u01b0\u1eddng r\u01a1i v\u00e0o kho\u1ea3ng 1.5% \u2013 2% gi\u00e1 tr\u1ecb xe t\u00f9y theo t\u1eebng doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3.3 V\u00ed d\u1ee5 v\u1ec1 <a href=\"https:\/\/news.saladin.vn\/category\/bao-hiem-o-to\/\">c\u00e1ch t\u00ednh ti\u1ec1n b\u1ea3o hi\u1ec3m th\u00e2n v\u1ecf xe \u00f4 t\u00f4<\/a><\/h3>\n\n\n\n<p>H\u00e3y tham kh\u1ea3o v\u00ed d\u1ee5 d\u01b0\u1edbi \u0111\u00e2y \u0111\u1ec3 hi\u1ec3u h\u01a1n v\u1ec1 c\u00e1c c\u00f4ng th\u1ee9c tr\u00ean nh\u00e9. Ch\u1eb3ng h\u1ea1n, b\u1ea1n c\u00f3 m\u1ed9t chi\u1ebfc xe c\u00f3 gi\u00e1 1 t\u1ef7 \u0111\u1ed3ng (t\u1ea1i th\u1eddi \u0111i\u1ec3m b\u1ea1n m\u1edbi mua). Sau hai n\u0103m s\u1eed d\u1ee5ng, b\u1ea1n m\u1edbi ch\u1ee3t nh\u1edb ra v\u00e0 trang b\u1ecb cho xe m\u1ed9t g\u00f3i b\u1ea3o hi\u1ec3m th\u00e2n v\u1ecf xe \u00f4 t\u00f4. Nh\u01b0 v\u1eady, sau 2 n\u0103m s\u1eed d\u1ee5ng, xe c\u1ee7a b\u1ea1n c\u00f3 gi\u00e1 tr\u1ecb l\u00e0:&nbsp;<\/p>\n\n\n\n<p><strong>85% x 1 t\u1ef7 \u0111\u1ed3ng = 850 tri\u1ec7u<\/strong> (v\u1edbi xe s\u1eed d\u1ee5ng 1-3 n\u0103m)<\/p>\n\n\n\n<p>Gi\u1ea3 s\u1eed trong h\u1ee3p \u0111\u1ed3ng v\u1edbi&nbsp; c\u00f4ng ty b\u1ea3o hi\u1ec3m b\u1ea1n mua, t\u1ef7 l\u1ec7 ph\u00ed l\u00e0 1.5%. Nh\u01b0 th\u1ebf, s\u1ed1 ti\u1ec1n b\u1ea1n c\u1ea7n b\u1ecf ra \u0111\u1ec3 mua g\u00f3i b\u1ea3o hi\u1ec3m th\u00e2n v\u1ecf l\u00e0:&nbsp;<\/p>\n\n\n\n<p><strong>850 tri\u1ec7u \u0111\u1ed3ng x 1.5% = 10.2 tri\u1ec7u \u0111\u1ed3ng&nbsp;<\/strong><\/p>\n\n\n\n<p>Tham kh\u1ea3o th\u00eam:<\/p>\n\n\n\n<p><a href=\"https:\/\/news.saladin.vn\/bao-hiem-o-to\/muc-khau-tru-trong-bao-hiem-than-vo-xe-o-to\/\">M\u1ee9c kh\u1ea5u tr\u1eeb \u0111\u00f3ng vai tr\u00f2 g\u00ec trong quy \u0111\u1ecbnh b\u1ea3o hi\u1ec3m th\u00e2n v\u1ecf xe \u00f4 t\u00f4?<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading has-h-5-desktop-font-size\"><span class=\"ez-toc-section\" id=\"4_Nhung_loi_ich_bao_hiem_than_vo_o_to_mang_lai\"><\/span><strong>4. Nh\u1eefng l\u1ee3i \u00edch b\u1ea3o hi\u1ec3m th\u00e2n v\u1ecf \u00f4 t\u00f4 mang l\u1ea1i<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading has-h-6-desktop-font-size\"><strong>4.1. B\u1ea3o v\u1ec7 \u201ct\u00fai ti\u1ec1n\u201d c\u1ee7a b\u1ea1n<\/strong><\/h3>\n\n\n\n<p>Ch\u1ee9c n\u0103ng ch\u00ednh c\u1ee7a b\u1ea3o hi\u1ec3m th\u00e2n v\u1ecf xe \u00f4 t\u00f4 h\u01b0\u1edbng t\u1edbi b\u1ea3o hi\u1ec3m c\u00e1c ph\u1ea7n ngo\u1ea1i th\u1ea5t c\u1ee7a xe.&nbsp; Th\u00f4ng th\u01b0\u1eddng trong c\u00e1c v\u1ee5 tai n\u1ea1n hay va ch\u1ea1m, c\u00e1c ph\u1ea7n ph\u1ee5 ki\u1ec7n b\u00ean ngo\u00e0i s\u1ebd th\u01b0\u1eddng xuy\u00ean b\u1ecb \u1ea3nh h\u01b0\u1edfng nh\u1ea5t khi c\u00f3 tai n\u1ea1n. Mua b\u1ea3o hi\u1ec3m th\u00e2n v\u1ecf \u00f4 t\u00f4 s\u1ebd ti\u1ebft ki\u1ec7m \u0111\u01b0\u1ee3c cho b\u1ea1n m\u1ed9t kho\u1ea3n chi ph\u00ed l\u1edbn. \u0110\u1eb7c bi\u1ec7t l\u00e0 c\u00e1c lo\u1ea1i xe sang tr\u1ecdng &#8211; nh\u1eefng lo\u1ea1i xe c\u00f3 ph\u1ea7n ph\u1ee5 ki\u1ec7n \u0111\u1eaft \u0111\u1ecf.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4.2. D\u1ecbch v\u1ee5 t\u1ed1t, thu\u1eadn ti\u1ec7n<\/strong><\/h3>\n\n\n\n<p>Chi ph\u00ed s\u1eeda ch\u1eefa th\u1ef1c t\u1ebf s\u1ebd d\u1ef1a v\u00e0o b\u00e1o gi\u00e1 c\u1ee7a h\u1ec7 th\u1ed1ng gara li\u00ean k\u1ebft v\u1edbi c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u00f3. Trong tr\u01b0\u1eddng h\u1ee3p x\u1ea3y ra v\u00e0 ch\u1ea1m, b\u1ea1n c\u1ea7n g\u1ecdi \u0111i\u1ec7n tho\u1ea1i \u0111\u1ebfn cho c\u00f4ng ty b\u1ea3o hi\u1ec3m. Ph\u00eda c\u00f4ng ty v\u00e0 gara s\u1ebd l\u00e0m vi\u1ec7c, gi\u00e1m \u0111\u1ecbnh t\u1ed5n th\u1ea5t v\u00e0 chi ph\u00ed s\u1eeda ch\u1eefa, b\u1ea1n ch\u1ec9 vi\u1ec7c ch\u1edd \u0111\u1ee3i quy tr\u00ecnh \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n, \u0111\u01b0\u1ee3c \u0111\u1ec1n b\u00f9 t\u1ed5n th\u1ea5t r\u1ed3i \u0111i v\u1ec1 nh\u00e0 ngh\u1ec9 ng\u01a1i m\u00e0 th\u00f4i.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-h-5-desktop-font-size\"><span class=\"ez-toc-section\" id=\"5_Quy_dinh_bao_hiem_than_vo_xe_o_to\"><\/span><strong>5. <a href=\"https:\/\/news.saladin.vn\/category\/bao-hiem-o-to\/\">Quy \u0111\u1ecbnh b\u1ea3o hi\u1ec3m th\u00e2n v\u1ecf xe \u00f4 t\u00f4<\/a><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">5.1. Nh\u1eefng tr\u01b0\u1eddng h\u1ee3p n\u1eb1m trong danh m\u1ee5c \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m <\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Tai n\u1ea1n ng\u1eabu nhi\u00ean, b\u1ea5t ng\u1edd v\u00e0 kh\u00f4ng n\u1eb1m trong s\u1ef1 ki\u1ec3m so\u00e1t c\u1ee7a ch\u1ee7 xe\/ l\u00e1i xe nh\u01b0 c\u00e1c tr\u01b0\u1eddng h\u1ee3p: \u0111\u00e2m, l\u1eadt, va ch\u1ea1m, r\u01a1i, ch\u00ecm, h\u1ecfa ho\u1ea1n, ch\u00e1y n\u1ed5, b\u1ecb v\u1eadt th\u1ec3 l\u1ea1 r\u01a1i v\u00e0o.<\/li>\n\n\n\n<li>C\u00e1c thi\u1ec7t h\u1ea1i b\u1ea5t kh\u1ea3 kh\u00e1ng do thi\u00ean tai nh\u01b0: b\u00e3o gi\u00f4ng, l\u0169 l\u1ee5t, s\u1ea1t l\u1edf, s\u1ea5m s\u00e9t, \u0111\u1ed9ng \u0111\u1ea5t, s\u00f3ng th\u1ea7n, m\u01b0a \u0111\u00e1,&#8230;v.v.<\/li>\n\n\n\n<li>M\u1ea5t c\u1eafp, m\u1ea5t c\u01b0\u1edbp to\u00e0n b\u1ed9 xe<\/li>\n\n\n\n<li>Chi ph\u00ed c\u1ea9u k\u00e9o, ch\u00e1y n\u1ed5 \u0111\u1ed9ng c\u01a1 (ph\u1ea1m vi c\u1ee7a m\u1ee9c \u00e1p d\u1ee5ng s\u1ebd thay \u0111\u1ed5i t\u00f9y v\u00e0o m\u1ed7i c\u00f4ng ty b\u1ea3o hi\u1ec3m kh\u00e1c nhau)<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">5.2. Nh\u1eefng tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb kh\u00f4ng \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m th\u00e2n v\u1ecf xe \u00f4 t\u00f4<\/h3>\n\n\n\n<p><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ng\u01b0\u1eddi l\u00e1i vi ph\u1ea1m ph\u00e1p lu\u1eadt khi v\u1eadn chuy\u1ec3n h\u00e0ng c\u1ea5m, u\u1ed1ng r\u01b0\u1ee3u bia ho\u1eb7c s\u1eed d\u1ee5ng ch\u1ea5t k\u00edch th\u00edch khi \u0111i\u1ec1u khi\u1ec3n ph\u01b0\u01a1ng ti\u1ec7n, c\u1ed1 \u00fd g\u00e2y tai n\u1ea1n.<\/li>\n\n\n\n<li>Xe kh\u00f4ng c\u00f3 \u0111\u0103ng ki\u1ec3m, ch\u1edf qu\u00e1 t\u1ea3i tr\u1ecdng cho ph\u00e9p, vi ph\u1ea1m giao th\u00f4ng, t\u00e0i x\u1ebf kh\u00f4ng c\u00f3 gi\u1ea5y ph\u00e9p l\u00e1i xe \u0111\u00fang quy \u0111\u1ecbnh.<\/li>\n\n\n\n<li>Thi\u1ec7t h\u1ea1i do kh\u1ee7ng b\u1ed1, chi\u1ebfn tranh,&#8230;&nbsp;<\/li>\n\n\n\n<li>Tr\u01b0\u1eddng h\u1ee3p xe b\u1ecb h\u1ecfng h\u00f3c, hao m\u00f2n trong qu\u00e1 tr\u00ecnh s\u1eed d\u1ee5ng ch\u1ee9 kh\u00f4ng ph\u1ea3i nh\u1eefng y\u1ebfu t\u1ed1 ngo\u1ea1i lai g\u00e2y t\u00e1c \u0111\u1ed9ng.&nbsp;<\/li>\n\n\n\n<li>Tr\u1eeb khi c\u00f3 th\u1ecfa thu\u1eadn ri\u00eang v\u1edbi c\u00f4ng ty b\u1ea3o hi\u1ec3m, xe x\u1ea3y ra va ch\u1ea1m, g\u1eb7p tai n\u1ea1n hay b\u1ecb m\u1ea5t c\u1eafp ngo\u00e0i l\u00e3nh th\u1ed5 c\u1ee7a Vi\u1ec7t Nam s\u1ebd kh\u00f4ng \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m \u0111\u1ec1n b\u00f9 t\u1ed5n th\u1ea5t.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"6_Thu_tuc_lam_bao_hiem_than_vo_o_to_can_luu_y\"><\/span><strong>6. Th\u1ee7 t\u1ee5c l\u00e0m b\u1ea3o hi\u1ec3m th\u00e2n v\u1ecf \u00f4 t\u00f4 c\u1ea7n l\u01b0u \u00fd<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Khi g\u1eb7p nh\u1eefng t\u00ecnh hu\u1ed1ng va ch\u1ea1m tr\u00ean \u0111\u01b0\u1eddng ph\u1ed1, b\u1ea1n c\u1ea7n l\u01b0u \u00fd nh\u1eefng \u0111i\u1ec1u d\u01b0\u1edbi \u0111\u00e2y nh\u1eb1m gi\u00fap quy tr\u00ecnh y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng, gi\u00e1m \u0111\u1ecbnh t\u1ed5n th\u1ea5t cho \u00f4 t\u00f4 di\u1ec5n ra thu\u1eadn l\u1ee3i h\u01a1n.&nbsp;<\/p>\n\n\n\n<p>Khi g\u1eb7p tai n\u1ea1n, va ch\u1ea1m nghi\u00eam tr\u1ecdng, g\u00e2y thi\u1ec7t h\u1ea1i l\u1edbn cho chi\u1ebfc xe, b\u1ea1n n\u00ean gi\u1eef nguy\u00ean hi\u1ec7n tr\u01b0\u1eddng. Sau \u0111\u00f3 g\u1ecdi \u0111i\u1ec7n \u0111\u1ebfn hotline c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m, v\u00e0 th\u00f4ng b\u00e1o cho c\u01a1 quan ch\u1ee9c n\u0103ng c\u00f3 th\u1ea9m quy\u1ec1n \u0111\u1ec3 gi\u00fap b\u1ea1n x\u1eed l\u00fd. <\/p>\n\n\n\n<p>N\u1ebfu b\u1ea1n g\u1eb7p tai n\u1ea1n \u1edf xa v\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m kh\u00f4ng \u0111\u1ebfn k\u1ecbp, b\u1ea1n n\u00ean ch\u1ee5p l\u1ea1i \u1ea3nh hi\u1ec7n tr\u01b0\u1eddng \u0111\u1ec3 xin x\u00e1c nh\u1eadn c\u1ee7a c\u00e1c c\u00e1 nh\u00e2n, c\u01a1 quan ch\u1ee9c n\u0103ng c\u00f3 th\u1ea9m quy\u1ec1n. Khi mang xe \u0111i gi\u00e1m \u0111\u1ecbnh th\u00ec th\u1ee7 t\u1ee5c s\u1ebd di\u1ec5n ra nhanh h\u01a1n, b\u1ea1n s\u1ebd \u0111\u01b0\u1ee3c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u1ec1n b\u00f9 t\u1ed5n th\u1ea5t theo quy \u0111\u1ecbnh.<\/p>\n\n\n\n<p><strong>C\u1ea9m nang \u00f4 t\u00f4<\/strong>:  <a href=\"https:\/\/www.saladin.vn\/blog\/tag\/bao-hiem-tai-nan-o-to\/\" target=\"_blank\" rel=\"noreferrer noopener\"><span style=\"background-color:#f0fdf4\">B\u1ea3o hi\u1ec3m tai n\u1ea1n \u00f4 t\u00f4<\/span><\/a>&nbsp; &nbsp;<a href=\"https:\/\/www.saladin.vn\/blog\/tag\/bao-hiem-tnds-o-to\/\" target=\"_blank\" rel=\"noreferrer noopener\"><span style=\"background-color:#f0fdf4\">B\u1ea3o hi\u1ec3m TNDS \u00f4 t\u00f4<\/span><\/a>&nbsp; &nbsp;<a href=\"https:\/\/www.saladin.vn\/blog\/tag\/bao-hiem-vat-chat-xe-o-to\/\" target=\"_blank\" rel=\"noreferrer noopener\"><span style=\"background-color:#f0fdf4\">B\u1ea3o hi\u1ec3m v\u1eadt ch\u1ea5t xe \u00f4 t\u00f4<\/span><\/a>&nbsp; &nbsp;<a href=\"https:\/\/www.saladin.vn\/blog\/tag\/kinh-nghiem-lai-xe-an-toan\/\" target=\"_blank\" rel=\"noreferrer noopener\"><span style=\"background-color:#f0fdf4\">L\u00e1i xe an to\u00e0n<\/span><\/a>&nbsp; &nbsp;<a href=\"https:\/\/www.saladin.vn\/blog\/tag\/phuot-xuyen-viet\/\" target=\"_blank\" rel=\"noreferrer noopener\"><span style=\"background-color:#f0fdf4\">Ph\u01b0\u1ee3t xuy\u00ean Vi\u1ec7t<\/span><\/a>&nbsp; &nbsp;<a href=\"https:\/\/www.saladin.vn\/blog\/tag\/thu-tuc-quy-dinh\/\" target=\"_blank\" rel=\"noreferrer noopener\"><span style=\"background-color:#f0fdf4\">Th\u1ee7 t\u1ee5c quy \u0111\u1ecbnh<\/span><\/a><\/p>\n\n\n\n<div class=\"wp-block-group alignfull is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group alignfull has-background is-layout-constrained wp-container-core-group-is-layout-7b61d197 wp-block-group-is-layout-constrained\" style=\"background-color:#defdff;padding-top:var(--wp--preset--spacing--superbspacing-xxlarge);padding-right:var(--wp--preset--spacing--superbspacing-small);padding-bottom:var(--wp--preset--spacing--superbspacing-xxlarge);padding-left:var(--wp--preset--spacing--superbspacing-small)\">\n<div class=\"wp-block-group alignwide is-content-justification-space-between is-layout-flex wp-container-core-group-is-layout-70cc1671 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group is-layout-constrained wp-container-core-group-is-layout-fe6fb673 wp-block-group-is-layout-constrained\">\n<p class=\"has-text-align-left has-text-color has-superbfont-xlarge-font-size\" style=\"color:#1e3888\"><strong>B\u1ea2O HI\u1ec2M V\u1eacT CH\u1ea4T \u00d4 T\u00d4 5.0<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-left has-text-color\" style=\"color:#1e3888;font-size:28px\"><strong>5 B\u01af\u1edaC MUA, 5 PH\u00daT XONG, D\u1ec4 NH\u01af KH\u00d4NG!<\/strong><\/p>\n<\/div>\n\n\n<div style=\"gap: 20px;\" class=\"align-button-center ub-buttons orientation-button-row ub-flex-wrap wp-block-ub-button\" id=\"ub-button-42c93faa-2a57-4a45-813e-ae9ad97925a0\"><div class=\"ub-button-container\">\n\t\t\t<a href=\"https:\/\/www.saladin.vn\/mua-bao-hiem-vat-chat-toan-dien-xe-oto\/thong-tin-xe?utm_source=Blog&amp;utm_medium=Promotion&amp;utm_content=Article&amp;utm_campaign=CarCom_01042026_Camp_PromoAprMay\" target=\"_blank\" rel=\"noopener noreferrer  nofollow \" class=\"ub-button-block-main   ub-button-flex\" role=\"button\" style=\"--ub-button-background-color: rgb(20, 197, 96); --ub-button-color: rgb(255, 255, 255); --ub-button-border: none; --ub-button-hover-background-color: #313131; --ub-button-hover-color: #ffffff; --ub-button-hover-border: none; padding-top: 10px; padding-right: 10px; padding-bottom: 10px; padding-left: 10px; border-top-left-radius: 10px;; border-top-right-radius: 10px;; border-bottom-left-radius: 10px;; border-bottom-right-radius: 10px;; \">\n\t\t\t\t<div class=\"ub-button-content-holder\" style=\"flex-direction: row\">\n\t\t\t\t\t<span class=\"ub-button-block-btn\">MUA NGAY<\/span>\n\t\t\t\t<\/div>\n\t\t\t<\/a>\n\t\t<\/div><\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"7_Ket_luan\"><\/span>7. K\u1ebft lu\u1eadn<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>V\u1edbi r\u1ea5t nhi\u1ec1u \u01b0u \u0111i\u1ec3m b\u00ean tr\u00ean, b\u1ea3o hi\u1ec3m th\u00e2n v\u1ecf \u00f4 t\u00f4 nghi\u1ec5m nhi\u00ean tr\u1edf th\u00e0nh m\u1ed9t lo\u1ea1i b\u1ea3o hi\u1ec3m b\u1ea1n-c\u1ea7n-ph\u1ea3i-c\u00f3 cho b\u1ea5t c\u1ee9 m\u1ed9t t\u00e0i x\u1ebf xe \u00f4 t\u00f4 n\u00e0o. Saladin hi v\u1ecdng nh\u1eefng ki\u1ebfn th\u1ee9c b\u00ean tr\u00ean s\u1ebd cung c\u1ea5p cho b\u1ea1n m\u1ed9t n\u1ec1n t\u1ea3ng th\u00f4ng tin v\u1eefng ch\u1eafc \u0111\u1ec3 t\u1ef1 m\u00ecnh l\u1ef1a ch\u1ecdn \u0111\u01b0\u1ee3c c\u00e1c ph\u01b0\u01a1ng \u00e1n t\u1ed1t nh\u1ea5t.&nbsp;<\/p>\n\n\n\n<p>Tham kh\u1ea3o th\u00eam:<\/p>\n\n\n\n<p><a href=\"https:\/\/news.saladin.vn\/bao-hiem-o-to\/nhung-cau-hoi-khi-mua-bao-hiem-o-to-online\/\">Nh\u1eefng c\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p khi mua b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 online<\/a><\/p>\n\n\n\n<p><\/p>\n\n\n\n<p class=\"has-neutral-color has-text-color has-link-color wp-elements-b437948250e73815526d419624d9b6b3\"><em>B\u00e0i vi\u1ebft ch\u1ec9 mang t\u00ednh ch\u1ea5t tham kh\u1ea3o. Vui l\u00f2ng li\u00ean h\u1ec7 v\u1edbi Saladin \u0111\u1ec3 \u0111\u01b0\u1ee3c t\u01b0 v\u1ea5n v\u00e0 h\u1ed7 tr\u1ee3 t\u00ecm \u0111\u01b0\u1ee3c c\u00e1c s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p.<\/em><\/p>\n\n\n<div class=\"wp-block-ub-divider ub_divider ub-divider-orientation-horizontal\" id=\"ub_divider_7fb4fb86-0bbe-4916-b312-3c5a8bed64e5\"><div class=\"ub_divider_wrapper\" style=\"position: relative; margin-bottom: 2px; width: 100%; height: 2px; \" data-divider-alignment=\"center\"><div class=\"ub_divider_line\" style=\"border-top: 2px solid #ccc; margin-top: 2px; \"><\/div><\/div><\/div>\n\n\n<p class=\"has-text-align-center\"><strong>M\u1eccI NHU C\u1ea6U T\u01af V\u1ea4N V\u00c0 TH\u1eaeC M\u1eaeC LI\u00caN H\u1ec6<\/strong><\/p>\n\n\n\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-829b1d53 wp-block-columns-is-layout-flex\" style=\"margin-bottom:0\">\n<div class=\"wp-block-column has-text-color has-background has-link-color wp-elements-57dcfbfab3f79008775569f15cda7bcd is-layout-flow wp-block-column-is-layout-flow\" style=\"color:#000000;background-color:#ffe7a9;padding-top:2em;padding-right:2em;padding-bottom:2em;padding-left:2em\">\n<p class=\"has-text-align-center has-normal-font-size\" style=\"line-height:0.5\"><strong>Hotline<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center\" style=\"font-size:20px;font-style:normal;font-weight:700;line-height:0.1\">1900 638 454<\/p>\n\n\n\n<hr class=\"wp-block-separator has-text-color has-css-opacity has-background is-style-wide\" style=\"background-color:#000000;color:#000000\"\/>\n\n\n<div style=\"--ub-icon-rotation:rotate(0deg);--ub-icon-size:40px;--ub-icon-justification:center;--ub-icon-border-top:  undefined;--ub-icon-border-right:  undefined;--ub-icon-border-bottom:  undefined;--ub-icon-border-left:  undefined\" class=\"wp-block-ub-icon\" id=\"ub-icon-6fe39665-9687-4805-a08b-8cb9136d0eed\"><div class=\"ub_icon\"><div class=\"ub_icon_wrapper\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 512 512\"><path d=\"M497.39 361.8l-112-48a24 24 0 0 0-28 6.9l-49.6 60.6A370.66 370.66 0 0 1 130.6 204.11l60.6-49.6a23.94 23.94 0 0 0 6.9-28l-48-112A24.16 24.16 0 0 0 122.6.61l-104 24A24 24 0 0 0 0 48c0 256.5 207.9 464 464 464a24 24 0 0 0 23.4-18.6l24-104a24.29 24.29 0 0 0-14.01-27.6z\"><\/path><\/svg><\/div><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column has-text-color has-background has-link-color wp-elements-f9eb0e952eefc6334c0ed0cca37a0b77 is-layout-flow wp-block-column-is-layout-flow\" style=\"color:#000000;background-color:#d0cef3;padding-top:2em;padding-right:2em;padding-bottom:2em;padding-left:2em\">\n<p class=\"has-text-align-center has-normal-font-size\" style=\"line-height:0.5\"><strong>Email<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center\" style=\"font-size:20px;font-style:normal;font-weight:700;line-height:0.1\">cs@saladin.vn<\/p>\n\n\n\n<hr class=\"wp-block-separator has-text-color has-black-color has-alpha-channel-opacity has-black-background-color has-background is-style-wide\"\/>\n\n\n<div style=\"--ub-icon-rotation:rotate(0deg);--ub-icon-size:40px;--ub-icon-justification:center;--ub-icon-border-top:  undefined;--ub-icon-border-right:  undefined;--ub-icon-border-bottom:  undefined;--ub-icon-border-left:  undefined\" class=\"wp-block-ub-icon\" id=\"ub-icon-f3a12b16-4fe6-4a09-9d7c-ddf1ba2433b2\"><div class=\"ub_icon\"><div class=\"ub_icon_wrapper\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\" aria-hidden=\"true\"><path d=\"M20,4H4C2.895,4,2,4.895,2,6v12c0,1.105,0.895,2,2,2h16c1.105,0,2-0.895,2-2V6C22,4.895,21.105,4,20,4z M20,8.236l-8,4.882 L4,8.236V6h16V8.236z\"><\/path><\/svg><\/div><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column has-text-color has-background has-link-color wp-elements-e813327978d5c9622d233ca6561fe404 is-layout-flow wp-block-column-is-layout-flow\" style=\"color:#000000;background-color:#8cece0;padding-top:2em;padding-right:2em;padding-bottom:2em;padding-left:2em\">\n<p class=\"has-text-align-center has-normal-font-size\" style=\"line-height:0.5\"><strong>Website<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center\" style=\"font-size:20px;font-style:normal;font-weight:700;line-height:0.1\">saladin.vn<\/p>\n\n\n\n<hr class=\"wp-block-separator has-text-color has-black-color has-alpha-channel-opacity has-black-background-color has-background is-style-wide\"\/>\n\n\n<div style=\"--ub-icon-rotation:rotate(0deg);--ub-icon-size:40px;--ub-icon-justification:center;--ub-icon-border-top:  undefined;--ub-icon-border-right:  undefined;--ub-icon-border-bottom:  undefined;--ub-icon-border-left:  undefined\" class=\"wp-block-ub-icon\" id=\"ub-icon-7c3843d8-7f5c-4f60-8526-a7681251c1a4\"><div class=\"ub_icon\"><div class=\"ub_icon_wrapper\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 496 512\"><path d=\"M336.5 160C322 70.7 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T\u00ednh chung n\u0103m 2021, to\u00e0n qu\u1ed1c x\u1ea3y ra 11.495 v\u1ee5 tai n\u1ea1n giao 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