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又这么巧
保险今天到期，当初正在查阅Policy Booklets - NRMA Comprehensive, 看看几个条列详细是怎么写的，
对于2年内报废赔新车如下：
New replacement vehicleIf we agree to pay your claim as a total loss, then you may choose to replace your vehicle with a new one if all of these apply:you bought your vehicle as a new or demonstrator vehiclethe incident we cover happens within 2 years from when your vehicle was first registeredyour vehicle’s tare weight is less than 2.5 tonnes.Coveredto replace your vehicle with a new one that has the same make, model, engine size, equipment level and paint type if it’s available in Australiato replace any of the following that apply to your vehicle:−modifications−options−accessoriesthe cost for 十二 months registration and CTP insurance for the new vehicle.Conditionsany credit provider noted on your current Certificate of Insurance must agree we can replace your vehiclethe new vehicle must be currently available in Australiayou need to give us the refund you get for your unused registration and any CTP insurance premium.
我的了解是只有是两年内买的新车或是DEMO，被撞报废了，保险都会抵偿给你一辆如出一辙的（假如澳洲境内还有新车的话（不包罗DEMO），外加你车里的附件（贴膜啥的，等等）
所以假如可怜遇到车祸报废（两年内），又赶着同型号小改或大改，能够说保险抵偿是能够帮着降级一下车的配置，但车都报废了，估量变乱也挺重大，所以最佳仍是能免就免，毕竟身材和身心安康是多少钱都买不来的。 但若万一就这么巧的是，现款车子再也不降级出后续的车款了（而当下又没同型号的新车），就不知到该怎么个抵偿阀。。。没看到详细的解释。
此外集体感觉两年内续保的车辆估值其实意义不大，之后的VAULE才会影响到咱们拿到的抵偿还能不克不及买到咱们报废前开的车辆。但若碰到阿谁万一，或许就另有说法了。。。
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论坛元老