2012版车险保费计算器-更新车船税算法(1).xls

车辆类型家庭自用车初登日期2014年4月27日新车价格120000起保日期2014年4月28日车损险实际投保金额120000车辆折旧价120000车龄0上年出险次数核核定定座座位位(重重要要）5玻璃类型国产累计赔款金额核定吨位2吨以下上年出险是否涉及人伤是月折旧率0.60%商业车险折扣率100.00%交强险浮动比率100.00%可选免赔额零免赔是否稀有车型否是否投保 不计免赔 投保险种保险金额标准保费不计免赔折后保费是是车辆损失险新车购置价：120,0002,494.00374.102,494.00是是第三者责任险保险金额：500,0001,781.00267.151,781.00是是车上人员责任险司机保额：50,000205.0030.75205.00是乘客保额/每座：50,000520.0078.00520.00否否盗抢险足额保额：120,0000.000.000.00足额投保协商保额：00.000.000.00是否车身划痕险赔偿限额：2,000400.000.00400.00是玻璃单独破碎险 玻璃类别：正常228.00228.00否自燃损失险保险金额：120,0000.000.00否指定专修厂上浮比例：15%0.000.00附加险不计免赔 基准保费：分险种不计免之和750.00750.00否交交强强险险浮动费率：100.00%0.000.00车车船船税税小型轿车请选排气量非小型轿车大中型客车请选类型非大中型客车货车/挂车 请输吨位0.000.00是否挂车否商业险保费小计：6,378.006,378.00总保费合计：6,378.006,378.006,378.00软件名称：车险保费计算器版本：GSHDDK1.0程序制作：董凯声明：仅供中国人寿财险保险股份有限公司内部使用，请勿用作商业用途。说明：2012年更新车船税算法，此次修改比较仓促，没有做详细测试，如在使用中发现BUG，请联系作者，感谢支持，13919451668.车险查询平台 车车辆辆类类型型费费率率行行定定位位三者类别车辆类别家庭自用-6座以下客车三者保额1家庭自用-6-10座客车判断公式1家庭自用-10座以上客车家庭自用车11非营业企业-6座以下客车非营业企业非营业企业-6-10座客车非营业机关非营业企业-10-20座客车非营业货车非营业企业-20座以上客车营业租赁非营业机关-6座以下客车营业公交非营业机关-6-10座客车营业客车非营业机关-10-20座客车营业货车非营业机关-20座以上客车非营业货车-2吨以下非营业货车-2-5吨费率列定位非营业货车-5-10吨车损1非营业货车-10吨以上三者14非营业货车-低速载货汽车营业租赁-6座以下客车营业租赁-6-10座客车实际价值计算 使用月数0营业租赁-10-20座客车车辆实际价值120000营业租赁-20-36座客车营业租赁-36座以上客车营业公交-6-10座客车营业公交-10-20座客车划痕系数判断 新车价1营业公交-20-36座客车定位行使用年限1营业公交-36座以上客车定位列保额1营业客运-6-10座客车营业客运-10-20座客车营业客运-20-36座客车自然险费率确定 车辆使用年限1营业客运-36座以上客车营业货车-2吨以下货车营业货车-2-5吨货车营业货车-5-10吨货车附加险系数计算 可选免赔额车价系数3营业货车-10吨以上货车免赔额系数营业货车-低速载货汽车可选免赔额使用性质系数20特种车-特种车一可选免赔额折扣系数1.00特种车-特种车二玻璃类型21特种车-特种车三特种车-特种车四车船税新车征收月数9小小型型轿轿车车排排气气量量非小型轿车1升（含）以下1升至1.6升（含）1.6升至2升（含）2升至2.5升（含）2.5升至3升（含）3升至4升（含）4升以上车车损损险险费费率率表表车车龄龄11年年(非非营营）车车龄龄22年年(营营业业）费费率率%车车龄龄1-21-2年年(非非营营）车车龄龄2-32-3年年(营营业业）费费率率%车车龄龄2-62-6年年(非非营营）车车龄龄3-466年年(非非营营）车车龄龄44年年(营营业业）费费率率%6461.54%6161.46%6091.45%6281.49%7761.54%7391.46%7311.45%7531.49%7761.54%7391.46%7311.45%7531.49%4021.33%3831.27%3791.25%3901.29%4821.26%4591.20%4551.19%4691.23%4821.36%4591.29%4551.28%4691.32%5021.36%4791.29%4741.28%4881.32%3111.03%2960.98%2930.97%3021.00%3730.98%3560.93%3520.93%3630.95%3731.03%3560.98%3520.97%3631.00%3891.03%3710.98%3670.97%3781.00%2971.14%2831.09%2801.08%2891.11%3841.47%3651.40%3621.39%3731.43%4191.61%3991.53%3951.52%4071.56%2761.96%2631.86%2611.85%2681.90%2530.97%2410.92%2380.92%2450.94%9642.95%9552.92%9452.89%9642.95%10622.15%10512.13%10402.11%10622.15%10851.94%10741.92%10631.90%10851.94%9761.91%9661.89%9561.87%9761.91%27502.25%27232.22%26952.20%27502.25%9051.79%8961.77%8871.75%9051.79%9241.61%9151.59%9061.58%9241.61%8341.58%8251.57%8171.55%8341.58%23171.86%22931.85%22701.83%23171.86%10252.07%10152.05%10042.03%10252.07%10471.86%10361.84%10261.82%10471.86%9421.83%9331.81%9241.80%9421.83%26482.16%26222.14%25952.11%26482.16%8541.96%8451.94%8371.93%8541.96%10552.06%10452.04%10342.02%10552.06%12582.16%12452.14%12332.12%12582.16%21262.50%21052.48%20842.45%21262.50%7261.67%7181.65%7111.64%7261.67%10552.06%10452.04%10342.02%10552.06%4140.77%4100.76%4060.75%4140.77%3580.67%3540.66%3510.66%3580.67%9081.70%8991.68%8901.67%9081.70%第第三三者者责责任任车车上上人人员员盗盗抢抢5 5万万1010万万1515万万2020万万3030万万5050万万100100万万司司机机座座位位乘乘客客座座位位a3a3基基础础保保费费7351061121013141484178123190.41%0.26%1207521059119712911446172322420.39%0.25%1407521059119712911446172322420.39%0.25%1407581067120613011456173422580.41%0.25%1207771106125413561524181923700.38%0.23%1308461207137014841669199525990.39%0.23%1308561262144915851799217228290.40%0.24%1407191014114612361384164721460.41%0.25%1107601071121113061462174022670.38%0.23%1208391181133614401613192025000.38%0.23%1209381321149416111804214827970.40%0.25%1308001126127413731538183123850.46%0.28%13010821564178319392190262834230.46%0.28%13012501783202321912462294338320.46%0.28%13016462319262228273166377049080.46%0.28%130679957108311671306155720270.46%0.28%13015652362274630053486441858100.50%0.31%10014762227259028333286416654800.40%0.24%9015602393279730763587456960110.42%0.26%9020983313390843385104655986270.42%0.26%80315548745707629273559389123490.42%0.26%8014462184253827773222408453720.43%0.26%6016122432282830943589455059830.44%0.27%9022353436401844225161658186550.50%0.31%90289045655384597670329036118850.50%0.31%9014162137248427183153399652550.43%0.26%6015782381276730283513445258570.44%0.27%9023223503407344565169655186180.50%0.31%80326149225722626072629204121070.50%0.31%8011181744205222602661333543570.77%0.48%13018002807330336374282536870120.77%0.48%13020673223379241764916616380500.77%0.48%130283244175197572267388446110320.77%0.48%1309511483174519222262283637040.77%0.48%130260141664944549165208242107660.57%0.38%12012021547174919332343306945250.57%0.38%1305517208179081105145121290.57%0.38%130247139584697549168478653113040.57%0.38%140玻玻璃璃车车辆辆实实际际价价自自然然险险费费率率国国产产进进口口折折旧旧系系数数1 1年年以以下下1-21-2年年2-62-6年年6 6年年以以上上交交强强险险0.42%0.19%0.31%0.60%0.15%0.18%0.20%0.30%9500.44%0.19%0.31%0.60%0.15%0.18%0.20%0.30%11000.44%0.23%0.37%0.90%0.15%0.18%0.20%0.30%11000.39%0.14%0.25%0.60%0.00%0.00%0.00%0.00%10000.52%0.13%0.25%0.60%0.00%0.00%0.00%0.00%11300.49%0.15%0.28%0.90%0.00%0.00%0.00%0.00%12200.54%0.16%0.30%0.90%0.00%0.00%0.00%0.00%12700.36%0.14%0.25%0.60%0.00%0.00%0.00%0.00%9500.43%0.13%0.25%0.90%0.00%0.00%0.00%0.00%10700.43%0.15%0.28%0.90%0.00%0.00%0.00%0.00%11400.50%0.16%0.30%0.90%0.00%0.00%0.00%0.00%13200.50%0.11%0.16%0.90%0.00%0.00%0.00%0.00%12000.50%0.11%0.16%0.90%0.00%0.00%0.00%0.00%14700.50%0.11%0.16%0.90%0.00%0.00%0.00%0.00%16500.50%0.11%0.16%0.90%0.00%0.00%0.00%0.00%22200.50%0.11%0.16%1.10%0.00%0.00%0.00%0.00%22200.40%0.19%0.32%1.10%0.30%0.30%0.30%0.30%18000.43%0.19%0.32%1.10%0.30%0.30%0.30%0.30%23600.47%0.21%0.36%1.10%0.30%0.30%0.30%0.30%24000.49%0.26%0.44%1.10%0.30%0.30%0.30%0.30%25600.53%0.28%0.48%1.10%0.30%0.30%0.30%0.30%35300.46%0.19%0.32%0.90%0.30%0.30%0.30%0.30%22500.43%0.21%0.36%0.90%0.30%0.30%0.30%0.30%25200.48%0.27%0.45%0.90%0.30%0.30%0.30%0.30%30200.52%0.29%0.50%0.90%0.30%0.30%0.30%0.30%31400.47%0.20%0.32%0.90%0.30%0.30%0.30%0.30%23500.45%0.22%0.36%0.90%0.30%0.30%0.30%0.30%26200.49%0.27%0.45%0.90%0.30%0.30%0.30%0.30%34200.53%0.29%0.50%0.90%0.30%0.30%0.30%0.30%46900.50%0.13%0.18%1.10%0.30%0.30%0.30%0.30%18500.50%0.13%0.18%1.10%0.30%0.30%0.30%0.30%30700.50%0.13%0.18%1.10%0.30%0.30%0.30%0.30%34500.50%0.13%0.18%1.10%0.30%0.30%0.30%0.30%44800.50%0.13%0.18%1.40%0.30%0.30%0.30%0.30%44800.52%0.08%0.16%0.90%0.00%0.00%0.00%0.00%37100.51%0.09%0.16%0.90%0.00%0.00%0.00%0.00%24300.51%0.09%0.18%0.90%0.00%0.00%0.00%0.00%10800.51%0.10%0.19%0.90%0.00%0.00%0.00%0.00%3980盗盗抢抢车车身身划划痕痕险险车车船船税税车车价价、车车龄龄20002000元元50005000元元1000010000元元2000020000元元客户群免赔额(元)新车购置价30万以下2年以内4005707601140新车购置价30万以下2年及以上61085013001900家庭自用车300新车购置价30万-50万2年以内58590011701780500新车购置价30万-50万2年及以上9001350180026001000新车购置价50万及以上2年以内8501100150022502000新车购置价50万及以上2年及以上1100150020003000非营业用客车30050010002000营业用客车30050010002000非营业用货车30050010002000营业用货车30050010002000特种车30050010002000新车购置价（元）5万以下5-10万10-15万15-20万20-30万30-50万50万以上0.870.920.940.950.950.970.980.760.840.890.930.930.950.960.650.740.830.880.880.900.930.520.580.690.780.780.850.890.870.920.950.950.950.970.980.760.840.920.920.930.950.960.650.740.870.870.880.900.930.520.580.760.760.780.850.890.870.920.950.950.950.970.980.760.840.920.920.930.950.960.650.740.870.870.880.900.930.520.580.760.760.780.850.890.870.920.950.950.950.970.980.760.840.920.920.930.950.960.650.740.870.870.880.900.930.520.580.760.760.780.850.890.870.920.950.950.950.970.980.760.840.920.920.930.950.960.650.740.870.870.880.900.930.520.580.760.760.780.850.890.870.920.950.950.950.970.980.760.840.920.920.930.950.960.650.740.870.870.880.900.930.520.580.760.760.780.850.89机动车辆保险保费试算投保建议书险险别别序序号号投投保保险险别别是是否否投投保保保保险险金金额额/赔赔偿偿限限额额保保险险费费（元元）主险1车辆损失险是120,0002494.002第三者责任险是500,0001781.003车上人员责任险驾驶员1人是50,000205.00乘客4人是50,000520.004盗抢险否120,000小计：840,0005000.005000.00附加险1车身划痕险是2000400.002玻璃单独破碎险是国产228.003自燃损失险否1200004指定专修厂否15.00%5附加险不计免赔是分险种不计免之和750.00小计：1378.001378.00商业险合计：6378.006378.00交强险否最高122000车船税否新车按剩余月数缴纳出单保费：6378.006378.00经经办办人人员员信信息息栏栏：打打印印后后由由经经办办人人员员保保存存备备用用，可可避避免免重重复复试试算算。投保人信息姓名业务员信息姓名联系电话联系电话车牌号码车牌号码 投投保保手手续续一一、新新车车投投保保1、个人客户：需提供以下资料的复印件：购车发票、车辆合格证、身份证、行驶证（车辆上户后提供）；2、企事业单位：需提供以下资料的复印件：购车发票、车辆合格证、组织机构代码证、行驶证（车辆上户后提供）。二二、旧旧车车投投保保（即即续续保保）1、个人客户：需提供以下资料的复印件：身份证、行驶证；2、企事业单位：需提供以下资料的复印件：组织机构代码证、行驶证。三三、交交强强险险投投保保手手续续1、投保人首次投保交强险的，应提供行驶证复印件。新车尚未取得行驶证的，应提供新车购置发票复印件或出厂合格证复印件，待车辆获得牌照号码办理批改手续时，再提供行驶证复印件；2、在原承保公司续保交强险的业务，投保人不需再提供资料；3、对于从其他保险公司转保的业务，投保人应提供行驶证复印件、上期交强险保险单原件或其他能证明上年已投保交强险的书面文件。试算单位：*中心支公司试算日期：2014年6月28日95519（财险）电话中心，为您提供24小时不间断专线电话服务。税 目计税单位年基准税额备 注乘用车按发动机汽缸容量（排气量）分档1.0升（含）以下的每辆240元核定载客人数9人（含）以下1.0升以上至1.6升(含)的420元1.6升以上至2.0升(含)的480元2.0升以上至2.5升(含)的720元2.5升以上至3.0升(含)的1800元3.0升以上至4.0升(含)的3000元4.0升以上的4500元商用车客 车中型每辆960元核定载客人数20人以下大型每辆1020元核定载客人数20（含）人以上，包括电车货 车整备质量每吨96元包括半挂牵引车、三轮汽车和低速载货汽车等挂车整备质量每吨按照货车税额的50%计算其他车辆专用作业车整备质量每吨96元不包括拖拉机轮式专用机械车96元摩托车每辆72元船舶机动船舶不超过200吨的净吨位每吨3元吨拖船、非机动驳船分别按照机动船舶税额的50%计算；拖船按发动机功率每1千瓦折合净吨位0.67吨计算超过200吨但不超过2000吨的4元吨超过2000吨但不超过10000吨的5元吨超过10000吨的6元吨游 艇不超过10米的艇身长度每米600元超过10米但不超过18米的900元超过18米但不超过30米的1300元超过30米的2000元辅助动力帆艇600元