不計免賠通常指的是車(che)輛保(bao)險(xian)(xian)(xian)(xian)中的不計免賠險(xian)(xian)(xian)(xian)：是一種商業險(xian)(xian)(xian)(xian)（車(che)損險(xian)(xian)(xian)(xian)或三責險(xian)(xian)(xian)(xian)）的附加(jia)險(xian)(xian)(xian)(xian)。不計免賠險(xian)(xian)(xian)(xian)作為一種附加(jia)險(xian)(xian)(xian)(xian)，需要以(yi)投(tou)保(bao)的“主險(xian)(xian)”為投(tou)(tou)保前提條(tiao)件，不可以單獨(du)進行投(tou)(tou)保，其保險(xian)(xian)責(ze)任通常是指(zhi)“經特別約定，發生意(yi)外事故后，按照對應投(tou)(tou)保的主險(xian)(xian)條(tiao)款規(gui)定的免賠(pei)(pei)率計算的、應當由被保險(xian)(xian)人自(zi)行承(cheng)擔的免賠(pei)(pei)金額部分，保險(xian)(xian)公司會(hui)在責(ze)任限(xian)額內負責(ze)賠(pei)(pei)償”。

所謂不(bu)計(ji)免(mian)賠(pei)(pei)特(te)約(yue)險(xian)(xian)(xian)，即是(shi)指(zhi)車(che)險(xian)(xian)(xian)中(zhong)的(de)不(bu)計(ji)免(mian)賠(pei)(pei)特(te)約(yue)條款，它屬于(yu)商業附加險(xian)(xian)(xian)的(de)一種。該險(xian)(xian)(xian)種通(tong)常是(shi)指(zhi)經特(te)別(bie)約(yue)定(ding)(ding)，保(bao)險(xian)(xian)(xian)事故(gu)發(fa)生(sheng)后，按照對(dui)應投保(bao)的(de)主(zhu)(zhu)險(xian)(xian)(xian)條款規定(ding)(ding)的(de)免(mian)賠(pei)(pei)率計(ji)算的(de)、應當由(you)被保(bao)險(xian)(xian)(xian)人自行(xing)承(cheng)(cheng)擔(dan)(dan)的(de)免(mian)賠(pei)(pei)額部分，保(bao)險(xian)(xian)(xian)人負(fu)責賠(pei)(pei)償(chang)的(de)一種保(bao)險(xian)(xian)(xian)。投保(bao)后，車(che)主(zhu)(zhu)不(bu)僅可(ke)以享受到按保(bao)險(xian)(xian)(xian)條款，應由(you)保(bao)險(xian)(xian)(xian)公司承(cheng)(cheng)擔(dan)(dan)的(de)那(nei)一部分賠(pei)(pei)償(chang)；還可(ke)享受到由(you)于(yu)車(che)主(zhu)(zhu)在事故(gu)中(zhong)負(fu)有責任，而應自行(xing)承(cheng)(cheng)擔(dan)(dan)的(de)那(nei)部分金額賠(pei)(pei)償(chang)。按照保(bao)險(xian)(xian)(xian)對(dui)象的(de)不(bu)同，不(bu)計(ji)免(mian)賠(pei)(pei)險(xian)(xian)(xian)又可(ke)分為基本險(xian)(xian)(xian)的(de)不(bu)計(ji)免(mian)賠(pei)(pei)和(he)附加險(xian)(xian)(xian)的(de)不(bu)計(ji)免(mian)賠(pei)(pei)，車(che)主(zhu)(zhu)在投保(bao)時應詳(xiang)細(xi)了解。

不計(ji)免(mian)賠(pei)特(te)約(yue)險(xian)(xian)(xian)屬于(yu)附(fu)加險(xian)(xian)(xian)的(de)(de)一種。該險(xian)(xian)(xian)種通常是指(zhi)經特(te)別約(yue)定，保(bao)(bao)險(xian)(xian)(xian)事故(gu)發生后，按照對應投保(bao)(bao)的(de)(de)主險(xian)(xian)(xian)條款規(gui)定的(de)(de)免(mian)賠(pei)率計(ji)算的(de)(de)、應當(dang)由被保(bao)(bao)險(xian)(xian)(xian)人自(zi)行承擔(dan)的(de)(de)免(mian)賠(pei)金額部分，保(bao)(bao)險(xian)(xian)(xian)人負責賠(pei)償。