{"id":3561,"date":"2022-01-09T11:02:06","date_gmt":"2022-01-09T10:02:06","guid":{"rendered":"https:\/\/polisarium.ozx.pl\/ubezpieczenie\/ubezpieczenie-ac-autocasco-warta\/"},"modified":"2026-10-26T21:22:15","modified_gmt":"2026-10-26T20:22:15","slug":"bao-hiem-ac-va-bao-hiem-toan-dien-casco-cua-warta","status":"publish","type":"ubezpieczenie","link":"https:\/\/polisarium.pl\/vi\/tu\/warta\/samochod\/ubezpieczenie-ac-autocasco-warta\/","title":{"rendered":"B\u1ea3o hi\u1ec3m AC (Autocasco) c\u1ee7a Warta"},"content":{"rendered":"<h3 class=\"wp-block-heading\">B\u1ea3o hi\u1ec3m to\u00e0n di\u1ec7n xe \u00f4 t\u00f4 \u2013 h\u1ed7 tr\u1ee3 trong tr\u01b0\u1eddng h\u1ee3p xe b\u1ecb h\u01b0 h\u1ecfng, ph\u00e1 h\u1ee7y ho\u1eb7c b\u1ecb tr\u1ed9m c\u1eafp<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">B\u1ea3o hi\u1ec3m to\u00e0n di\u1ec7n (Autocasco) l\u00e0 g\u00f3i b\u1ea3o hi\u1ec3m to\u00e0n di\u1ec7n d\u00e0nh cho xe \u00f4 t\u00f4 trong tr\u01b0\u1eddng h\u1ee3p xe b\u1ecb h\u01b0 h\u1ecfng, ph\u00e1 h\u1ee7y ho\u1eb7c b\u1ecb tr\u1ed9m c\u1eafp. T\u00f9y theo nhu c\u1ea7u v\u00e0 kh\u1ea3 n\u0103ng t\u00e0i ch\u00ednh, b\u1ea1n c\u00f3 th\u1ec3 l\u1ef1a ch\u1ecdn m\u1ed9t trong hai g\u00f3i b\u1ea3o hi\u1ec3m AC: Standard ho\u1eb7c Komfort. M\u1ed7i g\u00f3i \u0111\u1ec1u cung c\u1ea5p b\u1ea3o hi\u1ec3m cho t\u1ea5t c\u1ea3 c\u00e1c r\u1ee7i ro (All Risks).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">B\u1ea1n s\u1ebd \u0111\u01b0\u1ee3c g\u00ec?<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>B\u1ea3o hi\u1ec3m m\u1ecdi r\u1ee7i ro (All Risks) \u2013 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m AC kh\u00f4ng ch\u1ec9 bao g\u1ed3m c\u00e1c s\u1ef1 c\u1ed1 ti\u00eau chu\u1ea9n m\u00e0 c\u00f2n bao g\u1ed3m c\u1ea3 nh\u1eefng s\u1ef1 c\u1ed1 kh\u00f4ng \u0111\u01b0\u1ee3c lo\u1ea1i tr\u1eeb r\u00f5 r\u00e0ng trong h\u1ee3p \u0111\u1ed3ng. \u0110\u00e2y l\u00e0 h\u00ecnh th\u1ee9c thu\u1eadn ti\u1ec7n nh\u1ea5t d\u00e0nh cho kh\u00e1ch h\u00e0ng.<\/li>\n\n\n<li>S\u1eeda ch\u1eefa t\u1ea1i c\u00e1c Trung t\u00e2m D\u1ecbch v\u1ee5 \u1ee6y quy\u1ec1n \u2013 b\u1ea1n c\u00f3 th\u1ec3 l\u1ef1a ch\u1ecdn g\u00f3i b\u1ea3o hi\u1ec3m AC, theo \u0111\u00f3 ch\u00fang t\u00f4i s\u1ebd chi tr\u1ea3 chi ph\u00ed s\u1eeda ch\u1eefa xe c\u1ee7a b\u1ea1n t\u1ea1i trung t\u00e2m d\u1ecbch v\u1ee5 \u1ee7y quy\u1ec1n.<\/li>\n\n\n<li>S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c \u0111\u1ea3m b\u1ea3o \u2013 trong tr\u01b0\u1eddng h\u1ee3p xe b\u1ecb tr\u1ed9m c\u1eafp, ch\u00fang t\u00f4i cam k\u1ebft chi tr\u1ea3 kho\u1ea3n b\u1ed3i th\u01b0\u1eddng b\u1eb1ng v\u1edbi gi\u00e1 tr\u1ecb chi\u1ebfc xe \u0111\u01b0\u1ee3c ghi trong h\u1ee3p \u0111\u1ed3ng. S\u1ed1 ti\u1ec1n n\u00e0y c\u00f3 th\u1ec3 b\u1eb1ng v\u1edbi gi\u00e1 tr\u1ecb tr\u00ean h\u00f3a \u0111\u01a1n.<\/li>\n\n\n<li>Quy tr\u00ecnh x\u1eed l\u00fd b\u1ed3i th\u01b0\u1eddng \u0111\u01a1n gi\u1ea3n v\u00e0 hi\u1ec7u qu\u1ea3 \u2013 ch\u1ec9 c\u1ea7n m\u1ed9t chi\u1ebfc \u0111i\u1ec7n tho\u1ea1i th\u00f4ng minh l\u00e0 \u0111\u1ee7 \u0111\u1ec3 th\u1ef1c hi\u1ec7n t\u1ea5t c\u1ea3 c\u00e1c th\u1ee7 t\u1ee5c li\u00ean quan \u0111\u1ebfn vi\u1ec7c khai b\u00e1o thi\u1ec7t h\u1ea1i nh\u1edd \u1ee9ng d\u1ee5ng \u201eWarta Mobile\u201d.<\/li>\n\n\n<li>B\u1ed3i th\u01b0\u1eddng ngay c\u1ea3 \u0111\u1ed1i v\u1edbi nh\u1eefng h\u01b0 h\u1ecfng nh\u1ecf nh\u1ea5t \u2013 T\u1ea1i Warta, qu\u00fd kh\u00e1ch c\u00f3 th\u1ec3 nh\u1eadn \u0111\u01b0\u1ee3c kho\u1ea3n b\u1ed3i th\u01b0\u1eddng b\u1ea3o hi\u1ec3m cho nh\u1eefng thi\u1ec7t h\u1ea1i nh\u1ecf nh\u1ea5t, v\u1edbi m\u1ee9c kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 500.000 z\u0142.<\/li>\n\n\n<li>G\u00f3i Kh\u00e1ch h\u00e0ng Th\u01b0\u1eddng xuy\u00ean \u2013 b\u1ea1n s\u1ebd \u0111\u01b0\u1ee3c h\u01b0\u1edfng c\u00e1c \u0111i\u1ec1u ki\u1ec7n \u01b0u \u0111\u00e3i khi mua c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m b\u1ed5 sung, v\u00ed d\u1ee5 nh\u01b0 m\u1ee9c b\u1ea3o hi\u1ec3m cao h\u01a1n v\u1edbi c\u00f9ng m\u1ee9c gi\u00e1.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">B\u1ea3o hi\u1ec3m AC bao g\u1ed3m nh\u1eefng g\u00ec? V\u00ed d\u1ee5<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Tr\u1ed9m c\u1eafp xe \u00f4 t\u00f4 \u2013 khi ai \u0111\u00f3 l\u1ea5y c\u1eafp xe t\u1eeb b\u00e3i \u0111\u1ed7 xe trong khu d\u00e2n c\u01b0 ho\u1eb7c m\u1ed9t \u0111\u1ecba \u0111i\u1ec3m kh\u00e1c.<\/li>\n\n\n<li>K\u00ednh b\u1ecb \u0111\u1eadp v\u1ee1 v\u00e0 thi\u1ebft b\u1ecb b\u1ecb tr\u1ed9m \u2013 khi xe c\u1ee7a b\u1ea1n b\u1ecb h\u01b0 h\u1ecfng trong v\u1ee5 \u0111\u1ed9t nh\u1eadp.<\/li>\n\n\n<li>Va ch\u1ea1m v\u1edbi xe kh\u00e1c \u2013 khi b\u1ea1n th\u1ef1c hi\u1ec7n m\u1ed9t thao t\u00e1c l\u00e1i xe d\u1eabn \u0111\u1ebfn vi\u1ec7c va ch\u1ea1m v\u1edbi xe kh\u00e1c.<\/li>\n\n\n<li>Va ch\u1ea1m v\u1edbi c\u00e2y \u2013 khi b\u1ea1n m\u1ea5t ki\u1ec3m so\u00e1t xe v\u00e0 \u0111\u00e2m v\u00e0o c\u00e2y.<\/li>\n\n\n<li>Thi\u1ec7t h\u1ea1i do \u0111\u1ed9ng v\u1eadt g\u00e2y ra \u2013 khi con ch\u1ed3n c\u1eafn \u0111\u1ee9t d\u00e2y c\u00e1p tr\u00ean xe.<\/li>\n\n\n<li>H\u01b0 h\u1ecfng th\u00e2n xe \u2013 khi th\u00e2n xe b\u1ecb h\u01b0 h\u1ecfng do \u0111i\u1ec1u ki\u1ec7n th\u1eddi ti\u1ebft kh\u1eafc nghi\u1ec7t.<\/li>\n\n\n<li>H\u01b0 h\u1ecfng t\u1ea1i khu v\u1ef1c kh\u00f4ng c\u00f3 ng\u01b0\u1eddi tr\u00f4ng coi \u2013 khi ng\u01b0\u1eddi g\u00e2y ra s\u1ef1 c\u1ed1 l\u00e0m h\u1ecfng c\u1ea3n xe m\u00e0 kh\u00f4ng \u0111\u1ec3 l\u1ea1i th\u00f4ng tin li\u00ean l\u1ea1c.<\/li>\n\n\n<li>N\u01b0\u1edbc tr\u00e0n v\u00e0o xe \u00f4 t\u00f4 \u2013 khi m\u1ed9t c\u01a1n m\u01b0a l\u1edbn b\u1ea5t ng\u1edd \u1eadp xu\u1ed1ng khi\u1ebfn n\u01b0\u1edbc tr\u00e0n v\u00e0o b\u00e3i \u0111\u1ed7 xe ng\u1ea7m.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">B\u1ea3o hi\u1ec3m AC kh\u00f4ng bao g\u1ed3m nh\u1eefng g\u00ec? V\u00ed d\u1ee5<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Xe b\u1ecb h\u1ecfng \u2013 khi \u0111\u1ed9ng c\u01a1 g\u1eb7p s\u1ef1 c\u1ed1 v\u00e0 b\u1ea1n ph\u1ea3i \u0111\u01b0a xe \u0111\u1ebfn x\u01b0\u1edfng s\u1eeda ch\u1eefa, b\u1ea1n s\u1ebd ph\u1ea3i t\u1ef1 chi tr\u1ea3 chi ph\u00ed s\u1eeda ch\u1eefa.<\/li>\n\n\n<li>Hao m\u00f2n xe \u2013 b\u1ea1n t\u1ef1 chi tr\u1ea3 chi ph\u00ed thay m\u00e1 phanh khi ch\u00fang b\u1ecb m\u00f2n.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">So s\u00e1nh c\u00e1c g\u00f3i d\u1ecbch v\u1ee5 h\u1ed7 tr\u1ee3:<\/h3>\n\n\n\n<figure class=\"wp-block-table is-style-stripes tabela-tu\" style=\"font-size:0.9em\"><table><thead><tr><th class=\"has-text-align-left\" data-align=\"left\">\n<p>Ch\u1ecdn phi\u00ean b\u1ea3n<\/p>\n<\/th><th class=\"has-text-align-center\" data-align=\"center\">\n<p align=\"center\">B\u1ea3o hi\u1ec3m xe \u00f4 t\u00f4 to\u00e0n di\u1ec7n ti\u00eau chu\u1ea9n<\/p>\n<\/th><th class=\"has-text-align-center\" data-align=\"center\">\n<p align=\"center\">B\u1ea3o hi\u1ec3m xe \u00f4 t\u00f4 to\u00e0n di\u1ec7n Komfort<\/p>\n<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\">\n<p>B\u1ea3o v\u1ec7 kh\u1ecfi c\u00e1c h\u1eadu qu\u1ea3 c\u1ee7a tai n\u1ea1n v\u00e0 thi\u00ean tai<\/p>\n<\/td><td class=\"has-text-align-center\" data-align=\"center\">\n<p align=\"center\">+<\/p>\n<\/td><td class=\"has-text-align-center\" data-align=\"center\">\n<p align=\"center\">+<\/p>\n<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">\n<p>B\u1ea3o hi\u1ec3m ch\u1ed1ng tr\u1ed9m c\u1eafp, \u0111\u1ed9t nh\u1eadp v\u00e0 ph\u00e1 ho\u1ea1i<\/p>\n<\/td><td class=\"has-text-align-center\" data-align=\"center\">\n<p align=\"center\">+<\/p>\n<\/td><td class=\"has-text-align-center\" data-align=\"center\">\n<p align=\"center\">+<\/p>\n<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">\n<p>Ch\u1ecbu tr\u00e1ch nhi\u1ec7m ngay c\u1ea3 \u0111\u1ed1i v\u1edbi nh\u1eefng h\u01b0 h\u1ecfng nh\u1ecf nh\u1ea5t<\/p>\n<\/td><td class=\"has-text-align-center\" data-align=\"center\">\n<p align=\"center\">+<\/p>\n<\/td><td class=\"has-text-align-center\" data-align=\"center\">\n<p align=\"center\">+<\/p>\n<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">\n<p>Khi x\u00e1c \u0111\u1ecbnh m\u1ee9c ph\u00ed b\u1ea3o hi\u1ec3m cho n\u0103m t\u1edbi, d\u00f9 \u0111\u00e3 x\u1ea3y ra m\u1ed9t v\u1ee5 b\u1ed3i th\u01b0\u1eddng, b\u1ea1n v\u1eabn s\u1ebd \u0111\u01b0\u1ee3c coi l\u00e0 ch\u01b0a t\u1eebng c\u00f3 v\u1ee5 b\u1ed3i th\u01b0\u1eddng n\u00e0o<\/p>\n<\/td><td class=\"has-text-align-center\" data-align=\"center\">\n<p align=\"center\">B\u1ea1n c\u00f3 th\u1ec3 mua th\u00eam t\u00f9y ch\u1ecdn n\u00e0y<\/p>\n<\/td><td class=\"has-text-align-center\" data-align=\"center\">\n<p align=\"center\">+<\/p>\n<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">\n<p>Kho\u1ea3n b\u1ed3i th\u01b0\u1eddng s\u1ebd chi tr\u1ea3 chi ph\u00ed cho c\u00e1c ph\u1ee5 t\u00f9ng ch\u00ednh h\u00e3ng (t\u00f9y ch\u1ecdn kh\u1ea5u hao \u0111\u00e3 thanh to\u00e1n)<\/p>\n<\/td><td class=\"has-text-align-center\" data-align=\"center\">\n<p align=\"center\">B\u1ea1n c\u00f3 th\u1ec3 mua th\u00eam t\u00f9y ch\u1ecdn n\u00e0y<\/p>\n<\/td><td class=\"has-text-align-center\" data-align=\"center\">\n<p align=\"center\">+<\/p>\n<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">\n<p>Kho\u1ea3n b\u1ed3i th\u01b0\u1eddng s\u1ebd chi tr\u1ea3 chi ph\u00ed s\u1eeda ch\u1eefa t\u1ea1i tr\u1ea1m d\u1ecbch v\u1ee5 \u1ee7y quy\u1ec1n<\/p>\n<\/td><td class=\"has-text-align-center\" data-align=\"center\">\n<p align=\"center\">B\u1ea1n c\u00f3 th\u1ec3 mua th\u00eam t\u00f9y ch\u1ecdn n\u00e0y<\/p>\n<\/td><td class=\"has-text-align-center\" data-align=\"center\">\n<p align=\"center\">+<\/p>\n<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">\n<p>Sau khi x\u1ea3y ra t\u1ed5n th\u1ea5t, b\u1ea1n v\u1eabn \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m \u0111\u1ea7y \u0111\u1ee7 \u2013 s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m kh\u00f4ng b\u1ecb gi\u1ea3m<\/p>\n<\/td><td class=\"has-text-align-center\" data-align=\"center\">\n<p align=\"center\">B\u1ea1n c\u00f3 th\u1ec3 mua th\u00eam t\u00f9y ch\u1ecdn n\u00e0y<\/p>\n<\/td><td class=\"has-text-align-center\" data-align=\"center\">\n<p align=\"center\">+<\/p>\n<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">\n<p>Cam k\u1ebft r\u1eb1ng ch\u00fang t\u00f4i s\u1ebd chi tr\u1ea3 cho b\u1ea1n to\u00e0n b\u1ed9 kho\u1ea3n b\u1ed3i th\u01b0\u1eddng (kh\u00f4ng c\u00f3 kho\u1ea3n t\u1ef1 chi tr\u1ea3, m\u1ee9c mi\u1ec5n tr\u1eeb hay c\u00e1c kho\u1ea3n kh\u1ea5u tr\u1eeb kh\u00e1c)<\/p>\n<\/td><td class=\"has-text-align-center\" data-align=\"center\">\n<p align=\"center\">B\u1ea1n c\u00f3 th\u1ec3 mua th\u00eam t\u00f9y ch\u1ecdn n\u00e0y<\/p>\n<\/td><td class=\"has-text-align-center\" data-align=\"center\">\n<p align=\"center\">+<\/p>\n<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">\n<p>Trong tr\u01b0\u1eddng h\u1ee3p xe b\u1ecb tr\u1ed9m c\u1eafp ho\u1eb7c h\u01b0 h\u1ecfng ho\u00e0n to\u00e0n, s\u1ed1 ti\u1ec1n b\u1ed3i th\u01b0\u1eddng s\u1ebd b\u1eb1ng gi\u00e1 tr\u1ecb xe \u0111\u01b0\u1ee3c ghi trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, t\u1ee9c l\u00e0 S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c \u0111\u1ea3m b\u1ea3o<\/p>\n<\/td><td class=\"has-text-align-center\" data-align=\"center\">\n<p align=\"center\">S\u1ed1 ti\u1ec1n b\u1ed3i th\u01b0\u1eddng t\u01b0\u01a1ng \u0111\u01b0\u01a1ng v\u1edbi gi\u00e1 tr\u1ecb chi\u1ebfc xe v\u00e0o ng\u00e0y x\u1ea3y ra tai n\u1ea1n<\/p>\n<\/td><td class=\"has-text-align-center\" data-align=\"center\">\n<p align=\"center\">+<\/p>\n<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">\n<p>Tr\u01b0\u1eddng h\u1ee3p xe b\u1ecb tr\u1ed9m c\u1eafp ho\u1eb7c h\u01b0 h\u1ecfng ho\u00e0n to\u00e0n (xe kh\u00f4ng qu\u00e1 3 n\u0103m tu\u1ed5i): s\u1ed1 ti\u1ec1n b\u1ed3i th\u01b0\u1eddng b\u1eb1ng gi\u00e1 tr\u1ecb xe ghi tr\u00ean h\u00f3a \u0111\u01a1n<\/p>\n<\/td><td class=\"has-text-align-center\" data-align=\"center\">\n<p align=\"center\">S\u1ed1 ti\u1ec1n b\u1ed3i th\u01b0\u1eddng t\u01b0\u01a1ng \u0111\u01b0\u01a1ng v\u1edbi gi\u00e1 tr\u1ecb chi\u1ebfc xe v\u00e0o ng\u00e0y x\u1ea3y ra tai n\u1ea1n<\/p>\n<\/td><td class=\"has-text-align-center\" data-align=\"center\">\n<p align=\"center\">B\u1ea1n c\u00f3 th\u1ec3 mua th\u00eam t\u00f9y ch\u1ecdn n\u00e0y<\/p>\n<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">\n<p>Kho\u1ea3n b\u1ed3i th\u01b0\u1eddng cho h\u00e0nh l\u00fd b\u1ecb h\u01b0 h\u1ecfng<\/p>\n<\/td><td class=\"has-text-align-center\" data-align=\"center\">\n<p align=\"center\">\u2013<\/p>\n<\/td><td class=\"has-text-align-center\" data-align=\"center\">\n<p align=\"center\">+<\/p>\n<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">\n<p>D\u1ecbch v\u1ee5 h\u1ed7 tr\u1ee3 \u0111\u00e3 bao g\u1ed3m trong gi\u00e1 b\u1ea3o hi\u1ec3m AC<\/p>\n<\/td><td class=\"has-text-align-center\" data-align=\"center\">\n<p align=\"center\">Phi\u00ean b\u1ea3n Ti\u00eau chu\u1ea9n<\/p>\n<\/td><td class=\"has-text-align-center\" data-align=\"center\">\n<p align=\"center\">G\u00f3i 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