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 %.
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