車を法人で買う？社長個人で買う？任意保険の注意点皆さんおはようございま

車を法人で買う？社長個人で買う？任意保険の注意点
皆さんおはようございます！
だいぶ寒くなってきましたね！
今年の雪虫はいつ頃かなぁ。

９月ともなると、半期の締めで「利益が結構出てるなぁ何か買おうかなぁ」という経営者の方もいらっしゃるのではないでしょうか？

『なぜ、社長のベンツは4ドアなのか?』という本が評判でしたが、会社のお財布と社長のお財布を使い分けるというのは、経営者ならば当然かもしれません。

では「会社で車を買うべきか、個人で買うべきか」というテーマについて、自動車保険の観点から注意点をお話させて下さい。
こんな風にハワイを満喫できたらなぁ・・・
とまぁリムジンはさておき、乗用車を買う際に任意保険のことまで気にかけている社長はどれくらいいらっしゃるでしょうか。


自動車保険の特徴であり忘れてはいけないのが『等級』です。
1年で1つ進む割引ですから、取扱を間違えるとこれまで育ててきた期間と割引が水の泡となって勿体無いことになります。

どういうときに等級が失われてしまうかというと、もちろん保険料を払わなかった時ですね。

そして、水の泡にはなりませんが車の買い替えのときも注意が必要なんです。

任意保険に入っていて、お車を買い替えた場合には、車両入替という手続きをします。

例えばこんなケース。
社長が自分のお金で購入して乗っていた車。保険も個人で入っていました。
この度法人で利益が出たので、その車を下取りに出して、法人で車を買いました。

これは、等級を引き継ぐことができません！


車両入替をするためには様々な条件があります。
元々契約上の車両所有者が社長だったなら、法人で車を買ってしまうと、車両入替のできないお車となってしまい、そのお車は再度新規でご契約をいただくことになります。
（ちなみに社長個人のご契約は『中断』という処理をして等級は保存しますので、水の泡にはなりません）

逆もしかりで、法人でかけていた車を買い換えるときに、今度は社長個人のお金で車を買いましたというのもNGです。


順序立てて説明します。

自動車保険の契約上、３つの名義人について正しく設定する必要があります。
①契約者 ： 契約の決定者。補償内容などは契約者でないと明かせませんし変更できません。
②被保険者 ： 契約の主役と思ってください。等級ホルダーです。主たる運転者か所有者を設定します。
③所有者 ： お車の購入代金を実際に支出した方です。必ずしも車検証上の所有者とは限りません。

この３つの理解は、実は保険屋さんでも正しくわかっていない人が少なく無いと思います。
間違っていると最悪保険がおりませんので、ご自身の証券をよく確認して下さい。
実は『契約者』こそ誰にしても構いませんが、以下２つの被保険者・所有者は任意で設定するものではなく、実態に即している必要があるのです。

おそらく①～③まで同一というのが最も多いパターンでしょう。
②だけ奥様というのもよく有りますね。

法人契約では、全てが法人というのがほとんどでしょう。

でも、実は一番使い勝手の良い契約形態はこちらです。
①契約者 ： 法人
②被保険者 ： 個人【社長】
③所有者 ： 法人

主に運転するのが社長ならば、②の被保険者を社長個人にすることは何ら問題ありません。
ここは重要なのでもう一度言います。
主に運転するのが社長ならば、②の被保険者を社長個人にすることは何ら問題ありません。※１


この契約形態ならば、次に買う車の所有者が法人でも社長個人でも車両入替ができるんです。

ただし、一度個人で買って車両入替をしてからは、もう次に法人で買うことはできません。


もし全て社長個人という契約の方で、どうしても法人で車を買いたいという場合には、現在のお車を一度会社名義に変更して下さい。
社長から法人へ譲渡して、車検証も名義変更し、保険契約を以下のように変更するのです。
①契約者 ： 個人 ①契約者 ：個人（法人へ変更も可）※２
②被保険者 ： 個人 ⇒車両入替⇒ ②被保険者 ：個人
③所有者 ： 個人 → 法人 ③所有者 ：法人

これならば等級を無駄にせずに済みます。


お客様が車を買い換えるときに「事前に保険屋さんも連絡しておかなきゃ！」と思い当たればよいのですが、ある日突然経営者であるお客様から「車買ったよ」と連絡を頂くことになりがちです。
そして車検証が届いて「あれ！？法人で車買っちゃったんですか！？」と発覚して困ってしまうのです。

Kết quả (Anh) 2:

Buy a car in the corporation? Buy at the president personally? Of any insurance Notes
everyone Good morning!
It has become considerably colder!
I wonder when to time this year of Yukichu. If it becomes September, or it will not be for some people in the management of "I wonder if you buy something Naa have come quite a profit" in tightening of the six-month period? "Why, Benz president of 4 or door of the?" Although the present that was the reputation, because use both your wallet and the president of the wallet of the company, you may of course, if management. In "What to buy a car in the company, or to buy an individual" for the theme, let me tell you notes from the point of view of automobile insurance. Like this to Naa ... When you can indulge in a Hawaii Toma limousine aside, or will come how much the president that cares to be of any insurance when you buy a passenger car. Forget be a feature of the car insurance that do not is a "grade". Because it is one advance discount in one year, a mistake in handling the period that has been brought up to this discount will be that there is no undue importance become naught. And say what kind of when the grade is lost to, of course it is when you did not pay the insurance premiums. And, it needs attention even when it does not result in naught car replacement. It has entered into any insurance, in the case of replacement of your car, and then the procedure of vehicle replacement. For example, such a case. Car that president was riding to buy with their own money. Insurance was also entered in the individual. Since the profits in this time corporation came out, we put out the trade-in the car, I bought a car in the corporation. This is, it can not take over the grade! There are a variety of conditions in order to a replacement vehicle. If it was originally vehicle owner is president of the contract, and will buy a car in the corporation, becomes a car that can not be the replacement vehicle, the car will be asked for your contract again with the new. (By the way, your contract of president individual because you want to save the grade to the process of "interruption" and is not a naught) vice and vice, when you get a new one a car that was missing in the corporation, now president of personal NG is also because I bought a car with the money. It describes in an orderly sequence. On the contract of automobile insurance, you need to set correctly for the three nominee. ① subscribers: contract of decision-makers. Such as the contents of compensation can not be changed to not let obvious not to be a contractor. ② insured: Please think that the leading role of the contract. It is a grade holder. Set the main driver or owner. ③ owner: You were actually spending your car of the purchase price. Not necessarily the owner of the car on the verification. The three understand, actually I think that not a few people who do not understand correctly even Hoken'ya's. Because it does not cage the worst insurance and wrong, please review the securities of your own. In fact, it does not matter to anyone "contractor" what, following two of the insured, the owner is not intended to be set in an arbitrary, you need to have the actual situation. Probably the most common pattern is that the same until ① ~ ③. I There is also good because his wife just ②. In the corporate contract, it is that all of the corporation would be almost. But, in fact, the most easy-to-use contract form is here. ① contractor: corporation ② insured: personal [president] ③ owner: corporation if the president is to drive to the main, do not have any problem to the insured of ② to the president personally. Here is called again because it is important. If mainly to drive the president, it does not have any problem to the insured of ② to the president personally. ※ 1 If this contract form, then buy the car owner I can replacement vehicle in the President personally in corporation. However, after the replacement vehicle bought in once individual, you can not buy anymore then corporation. If all the people of the contract that the president personally, in the case that want to buy a car in absolutely corporation, change the current of your car once in the company name. To transfer from the president to the corporation, the car also verified name change, we change as follows: insurance contract. ① contractor: Personal ① subscribers: individual (change to the corporation also acceptable) ※ 2 ② insured: Personal ⇒ vehicle replacement ⇒ ② insured: Personal ③ owner: individual → corporation ③ owner: corporation if this you need without wasting grade. To our customers but we may have hits I think "pre-Hoken'ya's if not even keep in contact!" When you get a new one the car, that get a contact from one day you, the sudden management and "I bought the car." It will tend. And reached the car verification "there!? Do you've bought the car!? Corporate" I embarrassed coming to light with.

Kết quả (Anh) 3:

Buy a car? Buy individual president? Note any insuranceGood morning, everyone!It has become cold!When the snow this year.And the moon, and in the way of its management that "something good comes out of you can buy?"Why, President of Benz reputation in the door and ask if the company president to use your wallet and purse, and if you just might."You should buy a car company in the theme of" buy in from the viewpoint of the automobile insurance, personal notes, please tell me.In this way you can enjoy Hawaii...Apart from the limousine and well, when to buy a car for any insurance company to how much be?Features of automobile insurance should not be forgotten that "grade".Discount is from one year to one and ever growing period, and make a mistake and it will become a waste water and discounts.When do you lost grade, of course, did not pay insurance premiums at the time.Then, have come to nothing when the car that need attention.In any case, insurance, buying a car in the procedure of the vehicle.For example, such a case.The car rides his money to buy. It was in the personal insurance.At this time, so that the interests of the car trade in Japan was to buy a car.This won"t be able to take over the class!For various vehicles to the switching condition is.The original of the contract was president of vehicle owners, and buy a car, the vehicle can not change it, my car and the car will be in the new contract.(not to have the president"s personal "contract processing is interrupted and the grade, so save.And vice versa, the one in the car when it is in the next president of NG personal money and buy a car.Order made.Automobile insurance, you need three to holders of the right to set.The Contractor shall: Determination of the contract. The content cannot reveal the compensation contract and can not change.Whether the insured person: think of the contract. Degree holder. The main driver / owner.Whether the owner: actually paid for the purchase price of the car. Not necessarily, as long as the owner on the car.These three understanding actually think there"s even less insurance man know correctly.Wrong is not the worst since the securities and insurance, please check your own as well."Contractor" who is in you, the following two arbitrarily set by the insured person, the owner, not based on actual need.Most probably the same to your favorite patterns.There are only 2 as well as wife.The corporation contract, almost all of the juridical person.But, in fact, the ease of use of contracts.The Contractor shall:Whether the insured person: "president.Owner: (III)If the president of a main drive, President of insured individuals don"t have any problem.It says here again.If the president of a main drive, President of insured individuals don"t have any problem. * 1If this contract, is the owner of the car in the next president of the corporation can buy a personal vehicle.However, once personal change to buy a car, can not buy more then a juridical person.If a contract and all individuals, President, I want to buy a car, and the car once now to change the name of the company.Transfer from the president to change the name of the car to change the insurance contract in the following manner.Whether the contract: Contract: private individuals (to change) * 2Whether the insured vehicle is whether the personal: to change the insured person:Whether the owner: whether the individual owner: Corporation, CorporationSame grade