会社の車の保険はどうしたらいいの？最近では、ネットで保険料や補償内容を

会社の車の保険はどうしたらいいの？
最近では、ネットで保険料や補償内容を比較検討することができるようになりましたが、会社の車の保険の場合、ネット経由で加入できる所はまだまだ少ないです。ダイレクト系損保は個人向けがほとんどで、法人向けを扱っている所が少ないのがその理由です。

会社の車の保険で、法人向け自動車保険を選ぶなら、自動車保険見積もりサービスを利用することです。無料で複数の保険会社に自動車保険の見積もりを請求することができるので、とても便利で、自動車保険を選び際に役立つ情報も色々と教えてくれます。

法人自動車保険は、個人自動車保険と違って、会社やサービスなどで特色が大きく異なります。

様々な種類があるので、自動車保険見積もりサービスを利用して、しっかりと比較検討していきましょう。保障対象が個人ではなく、対象が会社になるので、より慎重を期す必要があります。
法人向けの自動車保険の考え方
法人契約の自動車保険はすべての保険会社で10代以上はフリート契約になると決められています。

コレは、10台の内1台でも事故を起こせば連帯責任ですべての車の保険料に影響する保険です。

その代わりかなりの割引がなされているので、個別契約とのメリットはどちらとは言い切れないでしょう。

法人で車を維持するメリット

弁護士特約の場合、弁護士に交渉や解決などを依頼した際の費用を保険金として支払ってもらえるなどの特典があります。

また、法人名義にすれば、損金で落とせるメリットがあります。車自体を法人名義にすると、経費扱いで諸費用を落とすことができます。

黒字決算をしている法人であれば、経費で落とすことができ、そのメリットはかなり大きいです。

但し、従業員が運転する場合は、年齢条件、運転者限定を、条件に合うように保険に加入しないといけません。

また、リスク細分化型の保険は注意しておかないと、保険がおりない可能性もあります。誰が主に運転するかなど、条件が厳しくなっているからです。さらに会社を整理して個人所有に戻す際、割引なしからスタートになります。
個人と法人どっちがお得？

コレはどちらがトクと感じるかの問題になります。

価格だけでみますと法人契約のほうが安いです。

しかし、個人契約の手厚い補償は自動車保険としては魅了的です。

その手厚い補償を求めるのでしたら、個人で契約するのが良いでしょう。

しかし、保険料はアップします。

また、途中で個人の保険を法人契約に切り替えて、等級を引き継ぐことは基本的に出来ませんので注意が必要です。

Kết quả (Anh) 2:

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Kết quả (Anh) 3:

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