{"id":4196,"date":"2022-10-18T09:45:30","date_gmt":"2022-10-18T02:45:30","guid":{"rendered":"https:\/\/news.saladin.vn\/?p=4196"},"modified":"2024-04-25T17:59:56","modified_gmt":"2024-04-25T10:59:56","slug":"bao-hiem-o-to-tu-nguyen-la-gi-co-may-loai","status":"publish","type":"post","link":"https:\/\/www.saladin.vn\/blog\/bao-hiem-o-to\/bao-hiem-o-to-tu-nguyen-la-gi-co-may-loai\/","title":{"rendered":"B\u1ea3o hi\u1ec3m \u00f4 t\u00f4 t\u1ef1 nguy\u1ec7n l\u00e0 g\u00ec? C\u00e1c lo\u1ea1i b\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n xe \u00f4 t\u00f4 v\u00e0 m\u1ee9c ph\u00ed t\u1eebng lo\u1ea1i"},"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\/bao-hiem-o-to-tu-nguyen-la-gi-co-may-loai\/#I_Bao_hiem_tu_nguyen_xe_o_to_la_gi_Bao_hiem_tu_nguyen_co_phai_bao_hiem_vat_chat_khong\" >I. B\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n xe \u00f4 t\u00f4 l\u00e0 g\u00ec? B\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n c\u00f3 ph\u1ea3i b\u1ea3o hi\u1ec3m v\u1eadt ch\u1ea5t kh\u00f4ng?<\/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\/bao-hiem-o-to-tu-nguyen-la-gi-co-may-loai\/#II_Phan_biet_Bao_hiem_tu_nguyen_xe_o_to_va_Bao_hiem_TNDS_bat_buoc_o_to\" >II. Ph\u00e2n bi\u1ec7t B\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n xe \u00f4 t\u00f4 v\u00e0 B\u1ea3o hi\u1ec3m TNDS b\u1eaft bu\u1ed9c \u00f4 t\u00f4<\/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\/bao-hiem-o-to-tu-nguyen-la-gi-co-may-loai\/#III_Cac_loai_bao_hiem_tu_nguyen_xe_o_to_va_muc_phi_tung_loai\" >III. C\u00e1c lo\u1ea1i b\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n xe \u00f4 t\u00f4 v\u00e0 m\u1ee9c ph\u00ed t\u1eebng lo\u1ea1i<\/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\/bao-hiem-o-to-tu-nguyen-la-gi-co-may-loai\/#4_Nhung_quyen_loi_bao_hiem_tu_nguyen_xe_o_to_khac\" >4. Nh\u1eefng quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n xe \u00f4 t\u00f4 kh\u00e1c<\/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\/bao-hiem-o-to-tu-nguyen-la-gi-co-may-loai\/#5_Mua_bao_hiem_tu_nguyen_xe_o_to_de_dang_voi_Saladin\" >5. Mua b\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n xe \u00f4 t\u00f4 d\u1ec5 d\u00e0ng v\u1edbi Saladin<\/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><strong><em><a href=\"https:\/\/www.saladin.vn\/bao-hiem-vat-chat-toan-dien-xe-oto.html\" title=\"\">B\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n xe \u00f4 t\u00f4<\/a> c\u00f3 m\u1ea5y lo\u1ea1i? M\u1ee9c ph\u00ed, quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m t\u1eebng lo\u1ea1i kh\u00e1c nhau th\u1ebf n\u00e0o so v\u1edbi b\u1ea3o hi\u1ec3m TNDS b\u1eaft bu\u1ed9c? C\u00f9ng Saladin t\u00ecm hi\u1ec3u nh\u00e9.<\/em><\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter size-large is-resized advgb-dyn-31656c32\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"477\" src=\"https:\/\/news.saladin.vn\/wp-content\/uploads\/2022\/10\/bao-hiem-o-to-tu-nguyen-la-gi-co-may-loai-1024x477.jpg\" alt=\"\" class=\"wp-image-4198\" style=\"width:719px;height:335px\" srcset=\"https:\/\/cdn-blog.saladin.vn\/contents\/2022\/10\/06002608\/bao-hiem-o-to-tu-nguyen-la-gi-co-may-loai-1024x477.jpg 1024w, https:\/\/cdn-blog.saladin.vn\/contents\/2022\/10\/06002608\/bao-hiem-o-to-tu-nguyen-la-gi-co-may-loai-300x140.jpg 300w, https:\/\/cdn-blog.saladin.vn\/contents\/2022\/10\/06002608\/bao-hiem-o-to-tu-nguyen-la-gi-co-may-loai-768x358.jpg 768w, https:\/\/cdn-blog.saladin.vn\/contents\/2022\/10\/06002608\/bao-hiem-o-to-tu-nguyen-la-gi-co-may-loai-1536x715.jpg 1536w, https:\/\/cdn-blog.saladin.vn\/contents\/2022\/10\/06002608\/bao-hiem-o-to-tu-nguyen-la-gi-co-may-loai-2048x954.jpg 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"I_Bao_hiem_tu_nguyen_xe_o_to_la_gi_Bao_hiem_tu_nguyen_co_phai_bao_hiem_vat_chat_khong\"><\/span><strong>I. <a href=\"https:\/\/news.saladin.vn\/category\/bao-hiem-o-to\/\" title=\"\">B\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n xe \u00f4 t\u00f4<\/a> l\u00e0 g\u00ec? B\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n c\u00f3 ph\u1ea3i b\u1ea3o hi\u1ec3m v\u1eadt ch\u1ea5t kh\u00f4ng?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong><a href=\"https:\/\/news.saladin.vn\/category\/thong-tin-san-pham-bao-hiem\/bao-hiem-o-to-saladin\/\" title=\"\">B\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n xe \u00f4 t\u00f4<\/a><\/strong> l\u00e0 s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m cung c\u1ea5p c\u00e1c ph\u01b0\u01a1ng \u00e1n \u0111\u1ec1n b\u00f9 khi x\u1ea3y ra c\u00e1c s\u1ef1 c\u1ed1 \u0111\u1ed1i v\u1edbi ch\u1ee7 xe ho\u1eb7c chi\u1ebfc xe nh\u01b0 tai n\u1ea1n, ch\u00e1y n\u1ed5, va \u0111\u1eadp, m\u1ea5t c\u1eafp&#8230;<br>Kh\u00e1c v\u1edbi b\u1ea3o hi\u1ec3m TNDS b\u1eaft bu\u1ed9c, c\u00e1c lo\u1ea1i b\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n nh\u1eb1m \u0111\u1ea3m b\u1ea3o quy\u1ec1n l\u1ee3i c\u1ee7a ch\u1ee7 xe, b\u1ea3o v\u1ec7 ph\u01b0\u01a1ng ti\u1ec7n c\u1ee7a ng\u01b0\u1eddi tham gia b\u1ea3o hi\u1ec3m v\u00e0 \u0111\u1ec1n b\u00f9 cho ng\u01b0\u1eddi tham gia b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n<p>Vi\u1ec7c mua b\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n xe \u00f4 t\u00f4 l\u00e0 ho\u00e0n to\u00e0n kh\u00f4ng b\u1eaft bu\u1ed9c. Theo \u0111\u00f3, ch\u1ee7 xe c\u00f3 th\u1ec3 mua b\u1ed5 sung \u0111\u1ec3 gia t\u0103ng t\u00ednh b\u1ea3o v\u1ec7 cho ng\u01b0\u1eddi v\u00e0 t\u00e0i s\u1ea3n, gi\u1ea3m b\u1edbt m\u1ee9c \u0111\u1ed9 nghi\u00eam tr\u1ecdng g\u00e2y ra b\u1edfi c\u00e1c s\u1ef1 c\u1ed1 v\u00e0 gi\u1ea3m thi\u1ec3u g\u00e1nh n\u1eb7ng t\u00e0i ch\u00ednh cho ch\u1ee7 s\u1edf h\u1eefu xe \u00f4 t\u00f4.<\/p>\n\n\n\n<p>B\u1ea3o hi\u1ec3m v\u1eadt ch\u1ea5t (hay b\u1ea3o hi\u1ec3m th\u00e2n v\u1ecf) th\u1ef1c ch\u1ea5t l\u00e0 m\u1ed9t lo\u1ea1i b\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n ph\u1ed5 bi\u1ebfn nh\u1ea5t hi\u1ec7n nay. Do \u0111\u00f3, khi nh\u1eafc t\u1edbi b\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n, nhi\u1ec1u ng\u01b0\u1eddi th\u01b0\u1eddng hi\u1ec3u l\u00e0 \u0111ang n\u00f3i \u0111\u1ebfn b\u1ea3o hi\u1ec3m v\u1eadt ch\u1ea5t. Tuy nhi\u00ean, b\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n xe \u00f4 t\u00f4 c\u00f2n bao g\u1ed3m nhi\u1ec1u lo\u1ea1i b\u1ea3o hi\u1ec3m kh\u00e1c d\u00e0nh cho xe \u00f4 t\u00f4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"II_Phan_biet_Bao_hiem_tu_nguyen_xe_o_to_va_Bao_hiem_TNDS_bat_buoc_o_to\"><\/span><strong>II. Ph\u00e2n bi\u1ec7t B\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n xe \u00f4 t\u00f4 v\u00e0 <a href=\"https:\/\/news.saladin.vn\/category\/bao-hiem-o-to\/\" title=\"\">B\u1ea3o hi\u1ec3m TNDS b\u1eaft bu\u1ed9c \u00f4 t\u00f4<\/a><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>C\u00e1c \u0111i\u1ec3m kh\u00e1c nhau gi\u1eefa <strong><a href=\"https:\/\/www.saladin.vn\/bao-hiem-trach-nhiem-dan-su-bat-buoc-xe-oto.html\" title=\"\">b\u1ea3o hi\u1ec3m TNDS b\u1eaft bu\u1ed9c \u00f4 t\u00f4<\/a> <\/strong>v\u00e0 b\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n xe \u00f4 t\u00f4 \u0111\u01b0\u1ee3c t\u00f3m t\u1eaft nh\u01b0 b\u00ean d\u01b0\u1edbi:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><\/td><td><strong>B\u1ea3o hi\u1ec3m TNDS b\u1eaft bu\u1ed9c \u00f4 t\u00f4<\/strong><\/td><td><strong>B\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n xe \u00f4 t\u00f4<\/strong><\/td><\/tr><tr><td><strong>Gi\u00e1 tr\u1ecb ph\u00e1p l\u00fd<\/strong><\/td><td>C\u00f3 gi\u00e1 tr\u1ecb ph\u00e1p l\u00fd, c\u1ea7n xu\u1ea5t tr\u00ecnh khi \u0111\u01b0\u1ee3c CSGT y\u00eau c\u1ea7u<\/td><td>Kh\u00f4ng c\u00f3 gi\u00e1 tr\u1ecb ph\u00e1p l\u00fd khi \u0111\u01b0\u1ee3c CSGT y\u00eau c\u1ea7u xu\u1ea5t tr\u00ecnh<\/td><\/tr><tr><td><strong>\u0110\u1ed1i t\u01b0\u1ee3ng b\u1ed3i th\u01b0\u1eddng<\/strong><\/td><td>Cho b\u00ean th\u1ee9 3 (ng\u01b0\u1eddi b\u1ecb n\u1ea1n do l\u1ed7i c\u1ee7a ch\u1ee7 xe)<\/td><td>Cho ng\u01b0\u1eddi l\u00e1i xe v\u00e0 ng\u01b0\u1eddi ng\u1ed3i tr\u00ean xe<\/td><\/tr><tr><td><strong>Ph\u1ea1m vi b\u1ed3i th\u01b0\u1eddng<\/strong><\/td><td>B\u1ed3i th\u01b0\u1eddng cho ch\u1ee7 xe (ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m) trong c\u00e1c tr\u01b0\u1eddng h\u1ee3p x\u1ea3y ra tai n\u1ea1n l\u00e0m t\u1ed5n h\u1ea1i \u0111\u1ebfn b\u00ean th\u1ee9 3<\/td><td>C\u00f3 th\u1ec3 b\u1ed3i th\u01b0\u1eddng cho thi\u1ec7t h\u1ea1i v\u1ec1 v\u1eadt ch\u1ea5t (th\u00e2n v\u1ecf xe, h\u00e0ng ho\u00e1 tr\u00ean xe) l\u1eabn con ng\u01b0\u1eddi (ng\u01b0\u1eddi ng\u1ed3i tr\u00ean xe) trong c\u00e1c tai n\u1ea1n b\u1ea5t kh\u1ea3 kh\u00e1ng: thi\u00ean tai, ho\u1ea3 ho\u1ea1n, va ch\u1ea1m\u2026<\/td><\/tr><tr><td><strong>Chi ph\u00ed<\/strong><\/td><td>&#8211; Xe \u00f4 t\u00f4 kh\u00f4ng kinh doanh v\u1eadn t\u1ea3i: 437.000 &#8211; 1.825.000- Xe \u00f4 t\u00f4 kinh doanh v\u1eadn t\u1ea3i: 756.000 &#8211; 4.632.000<\/td><td>Ng\u01b0\u1eddi mua c\u00f3 th\u1ec3 t\u1ef1 ch\u1ecdn m\u1ee9c \u0111\u00f3ng, tu\u1ef3 v\u00e0o lo\u1ea1i b\u1ea3o hi\u1ec3m, lo\u1ea1i xe v\u00e0 th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m<\/td><\/tr><tr><td><strong>Th\u1eddi h\u1ea1n hi\u1ec7u l\u1ef1c<\/strong><\/td><td>1 n\u0103m<\/td><td>T\u00f9y theo nhu c\u1ea7u c\u1ee7a ng\u01b0\u1eddi tham gia<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><em>V\u00ed d\u1ee5: Xe Mercedes c\u1ee7a b\u1ea1n c\u00f3 va ch\u1ea1m v\u1edbi m\u1ed9t xe BMW kh\u00e1c do l\u1ed7i \u1edf ph\u00eda b\u1ea1n kh\u00f4ng gi\u1eef kho\u1ea3ng c\u00e1ch an to\u00e0n, khi\u1ebfn 2 xe \u0111\u1ec1u b\u1ecb h\u01b0.<\/em><\/p>\n\n\n\n<p><em>Khi \u0111\u00f3, <strong><a href=\"https:\/\/news.saladin.vn\/tag\/bao-hiem-tnds-bat-buoc-o-to\/\" title=\"\">b\u1ea3o hi\u1ec3m TNDS b\u1eaft bu\u1ed9c \u00f4 t\u00f4<\/a><\/strong> s\u1ebd thay b\u1ea1n \u0111\u1ec1n cho ch\u1ee7 xe BMW v\u1edbi h\u1ea1n m\u1ee9c t\u1ed1i \u0111a \u0111\u00e3 tho\u1ea3 thu\u1eadn l\u00e0 150 tri\u1ec7u. C\u00f2n b\u1ea3o hi\u1ec3m v\u1eadt ch\u1ea5t \u00f4 t\u00f4 d\u1ea1ng t\u1ef1 nguy\u1ec7n s\u1ebd \u0111\u1ec1n chi ph\u00ed s\u1eeda chi\u1ebfc xe Mercedes c\u1ee7a b\u1ea1n.<\/em><\/p>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"III_Cac_loai_bao_hiem_tu_nguyen_xe_o_to_va_muc_phi_tung_loai\"><\/span><strong>III. C\u00e1c lo\u1ea1i <a href=\"https:\/\/www.saladin.vn\/bao-hiem-vat-chat-toan-dien-xe-oto.html\" title=\"\">b\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n xe \u00f4 t\u00f4<\/a><\/strong> v\u00e0 m\u1ee9c ph\u00ed t\u1eebng lo\u1ea1i<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>B\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n xe \u00f4 t\u00f4 hi\u1ec7n nay r\u1ea5t \u0111a d\u1ea1ng, m\u1ed7i g\u00f3i s\u1ebd c\u00f3 quy\u1ec1n l\u1ee3i v\u00e0 m\u1ee9c gi\u00e1 kh\u00e1c nhau. Tr\u01b0\u1edbc ti\u00ean, b\u1ea1n n\u00ean t\u00ecm hi\u1ec3u v\u1ec1 3 lo\u1ea1i <strong>b\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n xe \u00f4 t\u00f4<\/strong> ph\u1ed5 bi\u1ebfn:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1. B\u1ea3o hi\u1ec3m thi\u1ec7t h\u1ea1i v\u1eadt ch\u1ea5t xe \u00f4 t\u00f4<\/strong><\/h3>\n\n\n\n<h4 class=\"wp-block-heading\">1.1. Ph\u1ea1m vi b\u1ed3i th\u01b0\u1eddng<\/h4>\n\n\n\n<p>Khi xe c\u1ee7a b\u1ea1n g\u1eb7p tai n\u1ea1n, s\u1ef1 c\u1ed1 b\u1ea5t ng\u1edd, b\u1ea5t kh\u1ea3 kh\u00e1ng, b\u1ea3o hi\u1ec3m v\u1eadt ch\u1ea5t \u00f4 t\u00f4 s\u1ebd b\u1ed3i th\u01b0\u1eddng chi ph\u00ed s\u1eeda ch\u1eefa c\u00e1c thi\u1ec7t h\u1ea1i v\u1ec1 v\u1eadt ch\u1ea5t c\u1ee7a xe. C\u00e1c s\u1ef1 c\u1ed1 \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m chi tr\u1ea3 th\u01b0\u1eddng l\u00e0:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0110\u00e2m, va ch\u1ea1m, l\u1eadt, \u0111\u1ed5, ch\u00ecm, r\u01a1i to\u00e0n b\u1ed9 xe.<\/li>\n\n\n\n<li>Xe b\u1ecb c\u00e1c v\u1eadt th\u1ec3 kh\u00e1c r\u01a1i v\u00e0o.<\/li>\n\n\n\n<li>H\u1ecfa ho\u1ea1n, ch\u00e1y, n\u1ed5.<\/li>\n\n\n\n<li>Thi\u1ec7t h\u1ea1i b\u1ea5t kh\u1ea3 kh\u00e1ng do thi\u00ean tai.<\/li>\n\n\n\n<li>M\u1ea5t xe do tr\u1ed9m, c\u01b0\u1edbp.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">1.2. M\u1ee9c tr\u00e1ch nhi\u1ec7m b\u1ea3o hi\u1ec3m &amp; Ph\u00ed b\u1ea3o hi\u1ec3m<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong><em>M\u1ee9c b\u1ea3o hi\u1ec3m to\u00e0n b\u1ed9 xe:<\/em><\/strong> b\u1eb1ng gi\u00e1 tr\u1ecb th\u1ef1c t\u1ebf c\u1ee7a xe t\u1ea1i th\u1eddi \u0111i\u1ec3m giao k\u1ebft h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m.<\/li>\n\n\n\n<li><strong><em>M\u1ee9c b\u1ea3o hi\u1ec3m th\u00e2n v\u1ecf xe:<\/em><\/strong> b\u1eb1ng gi\u00e1 tr\u1ecb th\u00e2n v\u1ecf t\u00ednh theo t\u1ef7 l\u1ec7 ph\u1ea7n tr\u0103m (%) tr\u00ean g\u00ad\u00ad\u00ad\u00ad\u00ad\u00ad\u00adi\u00e1 tr\u1ecb th\u1ef1c t\u1ebf c\u1ee7a xe t\u1ea1i th\u1eddi \u0111i\u1ec3m giao k\u1ebft h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m.<\/li>\n<\/ul>\n\n\n\n<p><strong><em>Ph\u00ed b\u1ea3o hi\u1ec3m v\u1eadt ch\u1ea5t \u00f4 t\u00f4 = Gi\u00e1 tr\u1ecb th\u1ef1c c\u1ee7a \u00f4 t\u00f4 x T\u1ef7 l\u1ec7 ph\u00ed (%).<\/em><\/strong><\/p>\n\n\n\n<p>Trong \u0111\u00f3:&nbsp;<\/p>\n\n\n\n<p><em>Gi\u00e1 tr\u1ecb th\u1ef1c c\u1ee7a \u00f4 t\u00f4 = T\u1ef7 l\u1ec7 t\u1ed1i thi\u1ec3u ch\u1ea5t l\u01b0\u1ee3ng c\u00f2n l\u1ea1i c\u1ee7a \u00f4 t\u00f4 sau m\u1ed9t th\u1eddi gian s\u1eed d\u1ee5ng x Gi\u00e1 \u00f4 t\u00f4 khi mua m\u1edbi<\/em><\/p>\n\n\n\n<p>V\u00ed d\u1ee5:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Xe m\u1edbi mua: 100% gi\u00e1 mua m\u1edbi<\/li>\n\n\n\n<li>\u00d4 t\u00f4 s\u1eed d\u1ee5ng t\u1eeb 1 \u0111\u1ebfn 3 n\u0103m = 85% gi\u00e1 xe m\u1edbi.<\/li>\n\n\n\n<li>3 \u0111\u1ebfn 6 n\u0103m: 70% gi\u00e1 xe m\u1edbi.<\/li>\n\n\n\n<li>6 \u0111\u1ebfn 10 n\u0103m: 55% gi\u00e1 xe m\u1edbi.<\/li>\n\n\n\n<li>Xe s\u1eed d\u1ee5ng tr\u00ean 10 n\u0103m: 40% gi\u00e1 xe m\u1edbi.<\/li>\n<\/ul>\n\n\n\n<p><em><strong>T\u1ef7 l\u1ec7 ph\u00ed = t\u1ef7 l\u1ec7 ph\u00ed c\u01a1 b\u1ea3n + t\u1ef7 l\u1ec7 ph\u00ed l\u1ef1a ch\u1ecdn b\u1ed5 sung<\/strong><\/em><\/p>\n\n\n\n<p>T\u1ef7 l\u1ec7 ph\u00ed s\u1ebd \u0111\u01b0\u1ee3c th\u1ecfa thu\u1eadn r\u00f5 gi\u1eefa ng\u01b0\u1eddi mua v\u00e0 nh\u00e0 cung c\u1ea5p trong h\u1ee3p \u0111\u1ed3ng, m\u1ee9c t\u1ef7 l\u1ec7 ph\u00ed th\u01b0\u1eddng th\u1ea5y l\u00e0:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0110\u1ed1i v\u1edbi xe c\u00e1 nh\u00e2n: th\u01b0\u1eddng r\u01a1i v\u00e0o kho\u1ea3ng 1,5 &#8211; 2,5%<\/li>\n\n\n\n<li>Xe ch\u1edf h\u00e0ng: 2,8 &#8211; 4,6%<\/li>\n\n\n\n<li>Tr\u01b0\u1eddng h\u1ee3p xe d\u1ecbch v\u1ee5\/ taxi: 3,5 &#8211; 5,9%<\/li>\n<\/ul>\n\n\n\n<p>V\u00ed d\u1ee5: B\u1ea1n mua b\u1ea3o hi\u1ec3m v\u1eadt ch\u1ea5t cho xe \u00f4 t\u00f4 c\u00e1 nh\u00e2n tr\u1ecb gi\u00e1 460.000.000 \u0111\u1ed3ng, \u0111\u00e3 s\u1eed d\u1ee5ng tr\u00ean 10 n\u0103m. Khi \u0111\u00f3:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>M\u1ee9c b\u1ea3o hi\u1ec3m = 460.000.000 \u0111\u1ed3ng<\/li>\n\n\n\n<li>Chi ph\u00ed b\u1ea3o hi\u1ec3m (ph\u00ed c\u01a1 b\u1ea3n + ph\u00ed l\u1ef1a ch\u1ecdn b\u1ed5 sung \u0111\u01b0\u1ee3c th\u1ecfa thu\u1eadn l\u00e0 2%)&nbsp; = 460.000.000 x 40% x 2% = 3.680.000\u0111<\/li>\n<\/ul>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong><em>L\u01b0u \u00fd khi mua:<\/em><\/strong> Tr\u01b0\u1edbc khi mua b\u1ea3o hi\u1ec3m thi\u1ec7t h\u1ea1i v\u1eadt ch\u1ea5t \u00f4 t\u00f4, b\u1ea1n c\u1ea7n t\u00ecm hi\u1ec3u k\u0129 gi\u00e1 tr\u1ecb xe t\u1ea1i c\u00e1c th\u1eddi \u0111i\u1ec3m \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o quy\u1ec1n l\u1ee3i v\u1ec1 m\u1ee9c b\u1ed3i th\u01b0\u1eddng. Ngo\u00e0i ra, b\u1ea1n n\u00ean tham kh\u1ea3o nhi\u1ec1u bi\u1ec3u ph\u00ed b\u1ea3o hi\u1ec3m \u0111\u1ec3 ch\u1ecdn \u0111\u01b0\u1ee3c m\u1ee9c chi ph\u00ed mua b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p v\u1edbi t\u00e0i ch\u00ednh c\u1ee7a m\u00ecnh nh\u1ea5t.<\/p>\n<\/blockquote>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2. B\u1ea3o hi\u1ec3m tai n\u1ea1n v\u1edbi ng\u01b0\u1eddi ng\u1ed3i tr\u00ean xe<\/strong><\/h3>\n\n\n\n<h4 class=\"wp-block-heading\">2.1. Ph\u1ea1m vi b\u1ed3i th\u01b0\u1eddng<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>B\u1ed3i th\u01b0\u1eddng thi\u1ec7t h\u1ea1i v\u1ec1 th\u00e2n th\u1ec3, t\u00e0i s\u1ea3n c\u1ee7a ng\u01b0\u1eddi l\u00e1i ph\u1ee5, l\u01a1 xe khi ng\u1ed3i tr\u00ean xe.<\/li>\n\n\n\n<li>C\u00e1c thi\u1ec7t h\u1ea1i th\u00e2n th\u1ec3 c\u1ee7a h\u00e0nh kh\u00e1ch tr\u00ean xe n\u1ebfu g\u1eb7p s\u1ef1 c\u1ed1 trong khi xe \u0111ang tham gia giao th\u00f4ng ho\u1eb7c \u0111ang d\u1eebng cho kh\u00e1ch l\u00ean xu\u1ed1ng.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">2.2. M\u1ee9c tr\u00e1ch nhi\u1ec7m b\u1ea3o hi\u1ec3m &amp; Ph\u00ed b\u1ea3o hi\u1ec3m<\/h4>\n\n\n\n<p>Trong tr\u01b0\u1eddng h\u1ee3p ng\u01b0\u1eddi ng\u1ed3i tr\u00ean xe (h\u00e0nh kh\u00e1ch, l\u01a1 xe ho\u1eb7c l\u00e1i ph\u1ee5) t\u1eed vong ho\u1eb7c th\u01b0\u01a1ng t\u1eadt, s\u1ed1 ti\u1ec1n b\u1ed3i th\u01b0\u1eddng s\u1ebd b\u1eb1ng s\u1ed1 ti\u1ec1n th\u1ecfa thu\u1eadn trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, th\u01b0\u1eddng r\u01a1i v\u00e0o kho\u1ea3ng 5.000.000 \u0111\u1ed3ng \u0111\u1ebfn 200.000.000 \u0111\/ng\u01b0\u1eddi\/v\u1ee5.<\/p>\n\n\n\n<p><strong><em>&#8211; Ph\u00ed b\u1ea3o hi\u1ec3m (t\u00ednh theo n\u0103m) = 0,1% x M\u1ee9c b\u1ea3o hi\u1ec3m<\/em><\/strong><\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><em><strong>L\u01b0u \u00fd khi mua<\/strong><\/em>: Khi mua xe d\u00f9ng \u0111\u1ec3 kinh doanh d\u1ecbch v\u1ee5 nh\u01b0 Grab, taxi, xe kh\u00e1ch, ch\u1ee7 xe n\u00ean mua k\u00e8m g\u00f3i b\u1ea3o hi\u1ec3m tai n\u1ea1n ng\u01b0\u1eddi ng\u1ed3i tr\u00ean xe \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o cho t\u00e0i x\u1ebf v\u00e0 h\u00e0nh kh\u00e1ch \u0111\u01b0\u1ee3c h\u01b0\u1edfng quy\u1ec1n l\u1ee3i \u0111\u1ec1n b\u00f9 trong tr\u01b0\u1eddng h\u1ee3p x\u1ea3y ra tai n\u1ea1n.<\/p>\n<\/blockquote>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3. B\u1ea3o hi\u1ec3m \u0111\u1ed1i v\u1edbi h\u00e0ng h\u00f3a tr\u00ean xe:<\/strong><\/h3>\n\n\n\n<h4 class=\"wp-block-heading\">3.1 Ph\u1ea1m vi b\u1ed3i th\u01b0\u1eddng<\/h4>\n\n\n\n<p> B\u1ea3o hi\u1ec3m h\u00e0ng ho\u00e1 s\u1ebd b\u1ed3i th\u01b0\u1eddng cho nh\u1eefng thi\u1ec7t h\u1ea1i, m\u1ea5t m\u00e1t \u0111\u1ed1i v\u1edbi h\u00e0ng h\u00f3a tr\u00ean xe c\u1ee7a b\u1ea1n, trong c\u00e1c tr\u01b0\u1eddng h\u1ee3p \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">3.2 M\u1ee9c tr\u00e1ch nhi\u1ec7m b\u1ea3o hi\u1ec3m &amp; Ph\u00ed b\u1ea3o hi\u1ec3m<\/h4>\n\n\n\n<p>Th\u01b0\u1eddng r\u01a1i v\u00e0o kho\u1ea3ng t\u1eeb 10.000.000 \u0111\/t\u1ea5n &#8211; 100.000.000 \u0111\/t\u1ea5n, tu\u1ef3 theo lo\u1ea1i xe, m\u1ee9c \u0111\u1ed9 thi\u1ec7t h\u1ea1i, gi\u00e1 tr\u1ecb h\u00e0ng ho\u00e1 v\u00e0 tho\u1ea3 thu\u1eadn gi\u1eefa ng\u01b0\u1eddi mua v\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n<p><strong><em>&#8211; Ph\u00ed b\u1ea3o hi\u1ec3m (tham kh\u1ea3o) = 0.55 % x M\u1ee9c tr\u00e1ch nhi\u1ec7m b\u1ea3o hi\u1ec3m<\/em><\/strong><\/p>\n\n\n\n<p><em>V\u00ed d\u1ee5: B\u1ea1n th\u1ecfa thu\u1eadn m\u1ee9c tr\u00e1ch nhi\u1ec7m b\u1ea3o hi\u1ec3m l\u00e0 50.000.000\u0111\/ t\u1ea5n, b\u1ea1n ph\u1ea3i tr\u1ea3 ph\u00ed b\u1ea3o hi\u1ec3m = 0.55% x 50.000.000 =&nbsp; 275.000\u0111\/ n\u0103m<\/em><\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong><em><span style=\"text-decoration: underline;\">L\u01b0u \u00fd khi mua:<\/span><\/em><\/strong> G\u00f3i b\u1ea3o hi\u1ec3m n\u00e0y s\u1ebd ph\u00f9 h\u1ee3p h\u01a1n n\u1ebfu xe c\u1ee7a b\u1ea1n \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng cho m\u1ee5c \u0111\u00edch kinh doanh v\u1eadn t\u1ea3i. N\u1ebfu l\u00e0 xe \u00f4 t\u00f4 c\u00e1 nh\u00e2n, b\u1ea1n c\u00f3 th\u1ec3 c\u00e2n nh\u1eafc b\u1ecf qua s\u1ea3n ph\u1ea9m n\u00e0y.<\/p>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"4_Nhung_quyen_loi_bao_hiem_tu_nguyen_xe_o_to_khac\"><\/span><strong>4. Nh\u1eefng quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n xe \u00f4 t\u00f4 kh\u00e1c<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Ngo\u00e0i ra, b\u1ea1n c\u00f3 th\u1ec3 tham kh\u1ea3o th\u00eam ho\u1eb7c nh\u1edd t\u01b0 v\u1ea5n v\u1ec1 nh\u1eefng quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n m\u1edf r\u1ed9ng cho xe \u00f4 t\u00f4 nh\u01b0:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>B\u1ea3o hi\u1ec3m m\u1ea5t c\u1eafp b\u1ed9 ph\u1eadn<\/strong>: B\u1ed3i th\u01b0\u1eddng cho ch\u1ee7 xe trong tr\u01b0\u1eddng h\u1ee3p b\u1ecb t\u1ed5n th\u1ea5t c\u00e1c b\u1ed9 ph\u1eadn c\u1ee7a xe do b\u1ecb m\u1ea5t c\u1eafp, th\u01b0\u1eddng gi\u1edbi h\u1ea1n 1 l\u1ea7n\/1 b\u1ed9 ph\u1eadn trong v\u00f2ng 1 n\u0103m. Ph\u1ee5 ph\u00ed cho b\u1ea3o hi\u1ec3m m\u1ea5t c\u1eafp b\u1ed9 ph\u1eadn th\u01b0\u1eddng l\u00e0 c\u1ed9ng th\u00eam 10 \u2013 20% ph\u00ed b\u1ea3o hi\u1ec3m v\u1eadt ch\u1ea5t \u00f4 t\u00f4 th\u00f4ng th\u01b0\u1eddng.<\/li>\n\n\n\n<li><strong>B\u1ea3o hi\u1ec3m th\u1ee7y k\u00edch<\/strong>: B\u1ed3i th\u01b0\u1eddng cho ch\u1ee7 xe trong tr\u01b0\u1eddng h\u1ee3p xe b\u1ecb t\u1ed5n th\u1ea5t do \u0111i hay \u0111\u1eadu ngay trong v\u00f9ng ng\u1eadp n\u01b0\u1edbc. Ph\u1ee5 ph\u00ed cho b\u1ea3o hi\u1ec3m th\u1ee7y k\u00edch \u00f4 t\u00f4 th\u01b0\u1eddng l\u00e0 c\u1ed9ng th\u00eam 8 \u2013 12% tr\u00ean ph\u00ed b\u1ea3o hi\u1ec3m v\u1eadt ch\u1ea5t \u00f4 t\u00f4 b\u00ecnh th\u01b0\u1eddng.<\/li>\n\n\n\n<li><strong>B\u1ea3o hi\u1ec3m gi\u00e1n \u0111o\u1ea1n s\u1eed d\u1ee5ng xe<\/strong>: Chi tr\u1ea3 cho ch\u1ee7 xe ti\u1ec1n ph\u00e1t sinh n\u1ebfu xe \u0111ang b\u1ecb gi\u00e1n \u0111o\u1ea1n s\u1eed d\u1ee5ng v\u00ec tai n\u1ea1n, b\u1ecb c\u01a1 quan ch\u1ee9c n\u0103ng t\u1ea1m gi\u1eef ho\u1eb7c \u0111ang trong qu\u00e1 tr\u00ecnh s\u1eeda ch\u1eefa.<\/li>\n<\/ul>\n\n\n\n<p>Xem th\u00eam: <a href=\"https:\/\/news.saladin.vn\/bao-hiem-o-to\/tai-sao-nen-mua-bao-hiem-o-to-tu-nguyen\/\">T\u1ea1i sao n\u00ean mua b\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n xe \u00f4 t\u00f4? M\u1ee9c b\u1ed3i th\u01b0\u1eddng v\u00e0 c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb<\/a><\/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<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"5_Mua_bao_hiem_tu_nguyen_xe_o_to_de_dang_voi_Saladin\"><\/span>5. Mua b\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n xe \u00f4 t\u00f4 d\u1ec5 d\u00e0ng v\u1edbi Saladin<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>N\u1ebfu kh\u00f4ng qu\u00e1 kh\u00f3 \u0111\u1ec3 b\u1ea1n s\u1eafm m\u1ed9t chi\u1ebfc \u00f4 t\u00f4, th\u00ec vi\u1ec7c mua b\u1ea3o hi\u1ec3m b\u1ea3o v\u1ec7 cho t\u00e0i s\u1ea3n quan tr\u1ecdng n\u00e0y c\u1ee7a m\u00ecnh c\u0169ng tr\u1edf n\u00ean d\u1ec5 d\u00e0ng h\u01a1n b\u1ea1n ngh\u0129. B\u1ea1n c\u00f3 th\u1ec3 t\u00ecm th\u1ea5y th\u00f4ng tin v\u1ec1 c\u00e1c g\u00f3i <strong><a href=\"https:\/\/news.saladin.vn\/tag\/bao-hiem-tu-nguyen-xe-o-to\/\" title=\"\">b\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n xe \u00f4 t\u00f4<\/a><\/strong> \u1edf b\u1ea5t k\u1ef3 trang web n\u00e0o c\u1ee7a c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m uy t\u00edn nh\u01b0: B\u1ea3o Vi\u1ec7t, B\u1ea3o Minh, Liberty&#8230;<\/p>\n\n\n\n<p><br>M\u1ed9t c\u00e1ch thu\u1eadn ti\u1ec7n h\u01a1n l\u00e0 b\u1ea1n c\u00f3 th\u1ec3 t\u00ecm mua b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 tr\u00ean <a href=\"https:\/\/news.saladin.vn\/saladin-co-gi-moi\/bao-hiem-mot-cham-saladin\/\" title=\"\">n\u1ec1n t\u1ea3ng b\u1ea3o hi\u1ec3m c\u00f4ng ngh\u1ec7 Saladin<\/a>. Saladin gi\u00fap b\u1ea1n c\u00f3 th\u1ec3 d\u1ec5 d\u00e0ng so s\u00e1nh, ch\u1ecdn l\u1ef1a v\u00e0 qu\u1ea3n l\u00fd c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 c\u1ee7a m\u00ecnh, \u0111\u1eb7c bi\u1ec7t trong tr\u01b0\u1eddng h\u1ee3p b\u1ea1n ch\u1ecdn mua nhi\u1ec1u g\u00f3i b\u1ea3o hi\u1ec3m kh\u00e1c nhau. <\/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<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 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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 70.7 287.8 8 248 8s-74 62.7-88.5 152h177zM152 256c0 22.2 1.2 43.5 3.3 64h185.3c2.1-20.5 3.3-41.8 3.3-64s-1.2-43.5-3.3-64H155.3c-2.1 20.5-3.3 41.8-3.3 64zm324.7-96c-28.6-67.9-86.5-120.4-158-141.6 24.4 33.8 41.2 84.7 50 141.6h108zM177.2 18.4C105.8 39.6 47.8 92.1 19.3 160h108c8.7-56.9 25.5-107.8 49.9-141.6zM487.4 192H372.7c2.1 21 3.3 42.5 3.3 64s-1.2 43-3.3 64h114.6c5.5-20.5 8.6-41.8 8.6-64s-3.1-43.5-8.5-64zM120 256c0-21.5 1.2-43 3.3-64H8.6C3.2 212.5 0 233.8 0 256s3.2 43.5 8.6 64h114.6c-2-21-3.2-42.5-3.2-64zm39.5 96c14.5 89.3 48.7 152 88.5 152s74-62.7 88.5-152h-177zm159.3 141.6c71.4-21.2 129.4-73.7 158-141.6h-108c-8.8 56.9-25.6 107.8-50 141.6zM19.3 352c28.6 67.9 86.5 120.4 158 141.6-24.4-33.8-41.2-84.7-50-141.6h-108z\"><\/path><\/svg><\/div><\/div><\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>B\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n xe \u00f4 t\u00f4 c\u00f3 m\u1ea5y lo\u1ea1i? M\u1ee9c ph\u00ed, quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m t\u1eebng lo\u1ea1i kh\u00e1c nhau th\u1ebf n\u00e0o so v\u1edbi b\u1ea3o hi\u1ec3m TNDS b\u1eaft bu\u1ed9c? C\u00f9ng [&hellip;]<\/p>\n","protected":false},"author":9,"featured_media":4222,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"ub_ctt_via":"","advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","footnotes":""},"categories":[9],"tags":[56,118,192],"class_list":["post-4196","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bao-hiem-o-to","tag-bao-hiem-tnds-bat-buoc-o-to","tag-bao-hiem-tu-nguyen-xe-o-to","tag-bao-hiem-vat-chat-xe-o-to"],"aioseo_notices":[],"featured_image_src":"https:\/\/cdn-blog.saladin.vn\/contents\/2022\/10\/06010331\/84.png","author_info":{"display_name":"Saladin","author_link":"https:\/\/www.saladin.vn\/blog\/author\/saladineditor\/"},"author_meta":{"display_name":"Saladin","author_link":"https:\/\/www.saladin.vn\/blog\/author\/saladineditor\/"},"featured_img":"https:\/\/cdn-blog.saladin.vn\/contents\/2022\/10\/06010331\/84-300x151.png","coauthors":[],"tax_additional":{"categories":{"linked":["<a href=\"https:\/\/www.saladin.vn\/blog\/category\/bao-hiem-o-to\/\" class=\"advgb-post-tax-term\">B\u1ea3o hi\u1ec3m \u00f4 t\u00f4<\/a>"],"unlinked":["<span class=\"advgb-post-tax-term\">B\u1ea3o hi\u1ec3m \u00f4 t\u00f4<\/span>"]},"tags":{"linked":["<a href=\"https:\/\/www.saladin.vn\/blog\/category\/bao-hiem-o-to\/\" class=\"advgb-post-tax-term\">b\u1ea3o hi\u1ec3m TNDS b\u1eaft bu\u1ed9c \u00f4 t\u00f4<\/a>","<a href=\"https:\/\/www.saladin.vn\/blog\/category\/bao-hiem-o-to\/\" class=\"advgb-post-tax-term\">b\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n xe \u00f4 t\u00f4<\/a>","<a href=\"https:\/\/www.saladin.vn\/blog\/category\/bao-hiem-o-to\/\" class=\"advgb-post-tax-term\">B\u1ea3o hi\u1ec3m v\u1eadt ch\u1ea5t xe \u00f4 t\u00f4<\/a>"],"unlinked":["<span class=\"advgb-post-tax-term\">b\u1ea3o hi\u1ec3m TNDS b\u1eaft bu\u1ed9c \u00f4 t\u00f4<\/span>","<span class=\"advgb-post-tax-term\">b\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n xe \u00f4 t\u00f4<\/span>","<span class=\"advgb-post-tax-term\">B\u1ea3o hi\u1ec3m v\u1eadt ch\u1ea5t xe \u00f4 t\u00f4<\/span>"]}},"comment_count":"0","relative_dates":{"created":"Posted 4 years ago","modified":"Updated 2 years ago"},"absolute_dates":{"created":"Posted on 18\/10\/2022","modified":"Updated on 25\/04\/2024"},"absolute_dates_time":{"created":"Posted on 18\/10\/2022 9:45 AM","modified":"Updated on 25\/04\/2024 5:59 PM"},"featured_img_caption":"","series_order":"","_links":{"self":[{"href":"https:\/\/www.saladin.vn\/blog\/wp-json\/wp\/v2\/posts\/4196","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.saladin.vn\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.saladin.vn\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.saladin.vn\/blog\/wp-json\/wp\/v2\/users\/9"}],"replies":[{"embeddable":true,"href":"https:\/\/www.saladin.vn\/blog\/wp-json\/wp\/v2\/comments?post=4196"}],"version-history":[{"count":11,"href":"https:\/\/www.saladin.vn\/blog\/wp-json\/wp\/v2\/posts\/4196\/revisions"}],"predecessor-version":[{"id":22408,"href":"https:\/\/www.saladin.vn\/blog\/wp-json\/wp\/v2\/posts\/4196\/revisions\/22408"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.saladin.vn\/blog\/wp-json\/wp\/v2\/media\/4222"}],"wp:attachment":[{"href":"https:\/\/www.saladin.vn\/blog\/wp-json\/wp\/v2\/media?parent=4196"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.saladin.vn\/blog\/wp-json\/wp\/v2\/categories?post=4196"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.saladin.vn\/blog\/wp-json\/wp\/v2\/tags?post=4196"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}