How to insure that you choose?

In auto insurances, there are a number of options that influence the cost of insurance and the amount of insurance payments.Therefore, the choice of these options should be taken very seriously. To make it easier to compare the conditions offered by various insurance companies, it is best to allocate some major "options".Actually, it and find the insurance contract: What is an insured event - it is important that it is the insurance company believes the insurance event and what pays the money.This includes insurance risks and situations in which the insurance company pays compensation (described earlier: accident, fire, flood, falling objects, etc.). Exclusion from insurance events - those cases where the insurance company does not make payments. For example: a cut tire with no other damage to the car - will not be insured event, or theft of the wheels, or a short circuit without fire. Limitations - is a situation where an insurance company limits you in obtaining insurance payments. For example, if you exceed the allowed speed - the company may deny insurance benefits, or reduce its amount. The same concerns: management in a drunken state, control without rights or the rights are not the appropriate category ... The calculation of compensation - the most important and "slippery" moment in insurance. The contract of insurance must be prescribed by the scheme by determining the amount of compensation (by examination, in its calculation, on account of your service stations, on account of its stations ...). What payment options are acceptable: cash on hand, transfer to the account of SRT or the client's account. As well as options for calculating the amount of compensation for total loss of the vehicle (or its theft) - a special situation and it is very important as an insurance company will calculate the amount of payment in this case. Deductible - the amount of money that you do not pay insurance.For the insurance company is cutting off small losses. For you - the amount that is not worth it to begin "dismantling" the insurance company and the same amount will affect the depreciation policy. The larger the deductible - the lower the cost of insurance policy.This can be% of the value of your car (but not the amount of damage) or a specific amount - for example 3000 rubles. Please note that some insurance companies separately identifiable "franchise through the fault of the driver (ie, when an accident your fault). This franchise is usually larger than the standard for damages. But the most unpleasant thing about this is that, in some cases, have to wait for a court decision that the insurance company made the payment, retaining the appropriate franchise.

The cost of seasonal auto insurances.

Seasonal price of an insurance policy - this is the same "stumbling block", which makes the insurance of this kind is not particularly attractive. Sure would like to see an insurance policy for six months was worth half the price of annual and three months - respectively, a quarter of the price and so on. However, the seasonal pricing of insurance can not be arithmetically in proportion to annual. Primarily because the insurance company present a one-time charges for each insurance policy, regardless of its validity (of the form, processing contracts Intelligence Unit, the introduction of data into a computer database, the payment of a cashier takes money ... the list is not small).Secondly, the insurance company does not forget about the possible increased risk (eg a person who goes only in summer, during the winter lose their driving skills, which increases the likelihood of an accident). Thus, it turns out that the policy Hull for three months (summer) will cost 4 times cheaper, and approximately 50% of the annual insurance. And the price OSAGO for six months - it's not 50 but 70% of the annual policy.

Auto Insurances important facts

    Program car insurance in different companies differ in price, range of services, terms of damages. In most cases, the price of insurance depends on the level of service, service quality, the company name. In this case, there is a standard set of risks from which insure all companies: Damage, destruction and injury of third parties, damage to property of third parties, injury to the occupants.   Full Auto Casco provides compensation for damage due to accident, theft (stealing), unlawful acts of third parties, natural disasters, total loss or loss of the vehicle as a whole or its individual parts, when certain of the insurance contract cases.   Auto CASCO provides protection of property interests in all these cases, except for theft.Insurance covers the cost of additional equipment (if the insured event) on the vehicle equipment mounted on top of full-time (alarm, radio, satellite system, TV, etc.).Accident insurance provides a lump sum if you suffer from the driver or passengers.    Civil Liability Insurance provides car owner insurance protection in case of injury to life, health and (or) property of third parties.Voluntary liability insurance is a policy dostrahovaniem OSAGO.Each insurance company limits the age to insure vehicles.Someone insures cars up to the age of ten years, someone has just five. Term insurance from 30 days to 1 year.The price of insurance (premium) depends on the parameters that may affect the probability of occurrence of insured event and the magnitude of possible harm: make and age of the car, its price, terms and features of operation, the period of insurance, insurable risks and other factors.

CASCO Auto insurances advices

If you have never before encountered auto insurances, you first need an idea, from which it is possible to insure the vehicles and what packages of services offered by insurance companies. In principle, the Ukrainian insurers are not busy "reinventing the wheel", and fear of "wheel" (sorry for the tautology), just as is done throughout the world. And the world's most widespread program of car insurance is called a hull. It covers all the risks associated directly with the car or, if more precise, iron.Total auo risks to Hull are divided into three groups. The first is related to traffic accidents, in which the car of your company can get off easy fright in the form of bruising bumper or seriously damaged - until the complete unsuitability to recovery. The second group of risks associated with illegal actions of third parties - this is when the auto theft, will remove the rubber or kidnap any of the component units, mechanisms, devices. The third group includes all the force majeure: vehicle damage due to natural disaster, spontaneous combustion, explosion, falling trees and even animal attacks.Insurance for all three groups of risks is called a complete hull. But you can take out a combined program either do one of the above-named automobile risks. It already will mean real savings on auto insurance. Full CASCO different insurance companies will cost an average of 5 to 8% of the market value of the car, while a separate accident insurance worth 2-4%, in the event of illegal actions - about the same as in case of force majeure - about 1 %.