不計免(mian)(mian)(mian)賠通常指的是(shi)車(che)(che)輛保險(xian)中的不計免(mian)(mian)(mian)賠險(xian)：是(shi)一種商業險(xian)（車(che)(che)損險(xian)或三責險(xian)）的附(fu)加險(xian)。不計免(mian)(mian)(mian)賠險(xian)作為一種附(fu)加險(xian)，需要以(yi)投(tou)保的“主險(xian)”為(wei)投(tou)保(bao)前提條件，不可(ke)以單(dan)獨進行投(tou)保(bao)，其保(bao)險(xian)責(ze)任(ren)通常是指(zhi)“經特別(bie)約(yue)定(ding)，發生意外事故后，按照對(dui)應(ying)投(tou)保(bao)的主險(xian)條款(kuan)規定(ding)的免(mian)賠率計算的、應(ying)當由被保(bao)險(xian)人自行承擔的免(mian)賠金(jin)額部分，保(bao)險(xian)公司會在(zai)責(ze)任(ren)限額內負責(ze)賠償”。

所謂不(bu)(bu)計免(mian)賠(pei)特約(yue)(yue)險(xian)(xian)(xian)(xian)，即是指車(che)險(xian)(xian)(xian)(xian)中的(de)(de)不(bu)(bu)計免(mian)賠(pei)特約(yue)(yue)條款，它屬于(yu)商業(ye)附(fu)加(jia)險(xian)(xian)(xian)(xian)的(de)(de)一種。該險(xian)(xian)(xian)(xian)種通常是指經特別約(yue)(yue)定，保(bao)(bao)險(xian)(xian)(xian)(xian)事(shi)故(gu)(gu)發生后(hou)，按(an)(an)照對應投(tou)保(bao)(bao)的(de)(de)主(zhu)(zhu)險(xian)(xian)(xian)(xian)條款規定的(de)(de)免(mian)賠(pei)率計算的(de)(de)、應當由被保(bao)(bao)險(xian)(xian)(xian)(xian)人自行(xing)承擔(dan)的(de)(de)免(mian)賠(pei)額部(bu)(bu)分(fen)，保(bao)(bao)險(xian)(xian)(xian)(xian)人負責賠(pei)償(chang)的(de)(de)一種保(bao)(bao)險(xian)(xian)(xian)(xian)。投(tou)保(bao)(bao)后(hou)，車(che)主(zhu)(zhu)不(bu)(bu)僅(jin)可(ke)以享(xiang)受到按(an)(an)保(bao)(bao)險(xian)(xian)(xian)(xian)條款，應由保(bao)(bao)險(xian)(xian)(xian)(xian)公司(si)承擔(dan)的(de)(de)那一部(bu)(bu)分(fen)賠(pei)償(chang)；還可(ke)享(xiang)受到由于(yu)車(che)主(zhu)(zhu)在事(shi)故(gu)(gu)中負有責任，而應自行(xing)承擔(dan)的(de)(de)那部(bu)(bu)分(fen)金額賠(pei)償(chang)。按(an)(an)照保(bao)(bao)險(xian)(xian)(xian)(xian)對象的(de)(de)不(bu)(bu)同，不(bu)(bu)計免(mian)賠(pei)險(xian)(xian)(xian)(xian)又(you)可(ke)分(fen)為(wei)基本險(xian)(xian)(xian)(xian)的(de)(de)不(bu)(bu)計免(mian)賠(pei)和附(fu)加(jia)險(xian)(xian)(xian)(xian)的(de)(de)不(bu)(bu)計免(mian)賠(pei)，車(che)主(zhu)(zhu)在投(tou)保(bao)(bao)時應詳細了解(jie)。

不計免賠特約險(xian)屬于附加(jia)險(xian)的一(yi)種。該險(xian)種通(tong)常是指(zhi)經特別約定(ding)，保險(xian)事(shi)故發生后(hou)，按照對應投保的主險(xian)條款規定(ding)的免賠率計算的、應當由被(bei)保險(xian)人(ren)自行承擔的免賠金額部分，保險(xian)人(ren)負責賠償。