Where and how to insure the car without any insurance?

buying a car, we do not always think about the future additional costs.If you put aside the expenditure for various tuning, winter tires and all sorts of "gadgets" such as seat covers leather young antelope, the most significant contribution to the vehicle is insurance.But how and where to insure a car?Reviews of companies offering similar services, are so varied that making the right choice is not always easy.Referring to various IC, many customers are often faced with the fact that, in addition to the actual auto insurance, they impose additional paid services.We are talking about life insurance, cargo and so on.It is important, but often do not need it at the moment, is not it?And besides, if there is such a desire, the client can ask the staff requested.But it's the lyrics.So as to insure a car without any insurance and what you need to do?

Types policies

Most often the insurance contract is the vehicle immediately after the purchase of a car and is extended annually.An exception may be a situation where the age of the vehicle acquired more than 10-12 years: in such cases, some companies can and do refuse service.Today, the most popular two types of policies:

CASCO - insurance for the car (a) as a possible theft, and from any damage;
insurance - implies losses owner alien machines affected by your negligence;

One important caveat: when the insured event to receive payments under two policies can not, so if you have both insurance and hull insurance, in case of an accident you have to choose exactly where you request reimbursement of incurred losses.

purchasing a particular auto insurance policy, the owner of the vehicle first and foremost looking for the most favorable terms and price of the service in this case plays an important role.So before you sign a treaty, should carefully review all its nuances.

How sure

life insurance contract is concluded, many car owners are faced with the fact that in addition to the basic services they offer to issue a policy to additional risks, for example, to insure the life of the driver.Such payments are the people disparagingly call "dopami."Sometimes the failure of these services entails the impossibility of execution policy or a significant delay in the timing of its receipt.Is it possible to insure a car without life insurance?It turns out that you can, however, sometimes the process can take some time.So if a car without insurance for life insurance in the "native" companies refuse and draw in terms of design - easier to find another company that provides similar services.But what if you do not want to change the IC?

What if you were denied

basis of Russian legislation, you do not have to pay the additional options.So if, for example, "Rosgosstrakh" to insure a car without "special stages" refuses and change company serving policy is not the time or inclination, you can try to influence the insurers by law.As a rule, people making out the insurance, pay no attention to the overpayment, but if you have this question of principle, as a simple conversation with employees of the company does not bring results - please contact the court or the Anti-Monopoly Committee.

In order to accurately win the case, you need to prove that managers are forced to pay you extra services that you do not need.For this fit a written waiver of the company, which is listed as the cause of the inability to enter into an agreement without life insurance.If such paper to give you refuse, the fact that failure can be recorded on a phone or voice recorder - it can help prove your case.Rather, the court you will win, and all the overpayment will be returned, but will have to pull the nerves considerably.

In addition, there is a possibility that offended insurers will give information about you as a client negligent to their partners, and issue the policy in the future will be problematic.If this has happened to you - immediately complained to the antimonopoly office, prosecutor's office and the court.Beat all the bells, the truth is on your side, because to insure a car without any insurance obligation, any profiled company, and there is no law forcing him to pay you for what you do not need.

Another way

If spoil the nerves and wasting time on litigation do not want to, you can try to do it without exacerbating relations with the organization, serving the policy.Here's another, less "bloody" way to insure the car without additional insurance.Clear instructions:

Go to the site of the selected company and find there information about the basic rates of insurance rates and payment details.
Using the instructions of the Central Bank of the Russian Federation, will calculate the amount of the insurance premium.Make it easy on the respective websites in this regard there are plenty of instructions and examples.
to pay for services, but so that you have on your hands a check or a receipt indicating the purpose of payment, where you have to write a "Payment of insurance premiums, liability insurance policy tool, the car" ... "state number xxxx."
Remove photocopies of the following documents: passport, certificate of title or vehicle registration, driver's license all those who admitted to the management of this car diagnostic card or a certificate of inspection, a check for the payment of the insurance premium.
fill out an application for the conclusion of the insurance contract (the form can be found on the website "Bank of Russia").
made in duplicate cover letter, which prescribes a reference to the following laws: Law number 40, red.from 04/11/14;paragraphs 1.4-1.6 "Regulations on the rules of civil liability insurance of vehicle owners' number 431-P, the statement" Bank of Russia ".
By putting a cover letter inventory of the above documents and their copies.
personally bring all of the above to the office of the insurance company and demand that stamp the receipt date on your copy of the cover letter.
If we accept documents in full employees refused, send them by mail, return receipt requested, be sure to inventory investment.

Most often, after all these actions the insurance company does not ask questions and draw up a policy without imposing additional services.

How and where to insure the car for insurance

Get a car insurance policy can be virtually any company that provides similar services.The people simply referred to as insurance "avtograzhdanki" as the abbreviation stands for "compulsory insurance of civil liability of automobile."To get it, most do not even need to submit to the inspection of the vehicle itself, but the lack of insurance is punishable by a fine.

So where insure the car insurance for?At first glance it may seem that the cost of the policy will be about the same in any company, but in practice this is not the case.But do not chase the cheap, first of all need to think about whether your IC reimburse you for damages, if necessary.Here are some criteria that should be targeted:

price insurance.The low cost of the policy - it is not always a good thing, it is better to stick to the average price category.
rating company insurer.Reputable organizations often offer a variety of promotions and discounts, and they have a proven reputation.
additional services.Sometimes the shares is completely camouflaged imposing unneeded services: health insurance, and life insurance and others.
Convenient location.Think how easy it will be for you to visit the office when necessary.

Hull

Another fairly popular type of policy is CASCO.Insure the car in this case can, in addition to insurance, although this is not mandatory.The list of risks under this contract can include almost anything:

theft;
damage in case of an accident;
broken glass from a pebble off from under the wheels of a car going in front;
cut wheels;
drop any foreign objects, such as icicles or brick;
dings and scratches of unknown origin;
any other risks.

In this case it does not matter who is at fault in the insurance case, the payment will still cover the losses.It all depends only on the cost of the policy - the greater the possible risks is included in it, the more expensive it is.So, as you can imagine, Hull - fun is not cheap, the cost of car insurance is often 10-15% of the price of the vehicle itself.However, despite the high cost, the policy CASCO is very popular, especially among novice drivers.

In this case, the answer to the question "How to insure the car without additional insurance" is quite difficult.Due to the fact that the hull is entirely voluntary, insurance companies are trying to put as much as possible additional requirements.There are cases when the "enterprising" management offered novice drivers to decorate policy for alarm in case of sudden closure of (supposedly without this point to insure the car against theft impossible).Unfortunately, the fight against such phenomena is quite difficult - it is easier to change the insurance company.

What affects the price of CASCO

Thinking about where to insure the car on Hull, should take into account some of the factors that could affect the price of the policy.In most cases it depends on:

brand cars and cost - than it is, the more expensive the policy;
motorist age and driving experience - what it is, the cheaper the policy;
«antiquity" of the machine itself - the newer the car, the cheaper the insurance, and vehicle age 10-15 years and can not insure;
the presence and level of anti-theft systems;
place and conditions of car - the yard, garage, guarded or unguarded car park;
value of the franchise - damage not exceeding the size of the franchise, is eliminated for the personal funds of the client;
population density in the region of auto operation - for example, the risk of accident in the city is much higher than in a small village.

also cost of the policy CASCO may increase:

list of insurance claims;
place auto repair - auto repair selectable UK is cheaper, but the repair it can result in a tidy sum;
limit on the amount of interest paid when the insured event;
size of payments in cases where cars can not be repaired and must be disposed of;
the possibility of "Green Card" for travel abroad;
additional life insurance of the driver or passengers;
possibility of registration of installments;
complexity and timing of the procedures for handling the situation, for the recognition of an insurance case;
more.

Insurance via the Internet

Lately, no matter what kind of policy you arrange, large insurance companies offer the service of drawing up a contract remotely.So, how to insure the car through the Internet and how it is reliable?To begin, we note that despite the fact that this service is very convenient, it is still not entirely safe.Trust in this case is only stable proven companies.So before you decide to insure the car through the Internet, please read carefully reviews the organization offering such a service, or a proxy agent.

essence of the process is as follows:

choose an insurance company and go to its official website;
carefully studying the conditions of registration and CASCO insurance policy, choose the right and leave the online application for its registration;
in some cases have added to fill out a short form, which contains information about the car and other non-sensitive information;
specify the date and time at which you would like to take the courier insurance company.

During this period, after processing, a messenger will come to you with a ready-insurance policy, which will have to pay on the spot upon receipt.You can also select the place where you bring the document - home or to work, as you prefer, the main thing - to be there at the appointed time.This is quite convenient, as it is not no need to spend precious time on trips to the office, do not need to "hang" in traffic, stand in a queue manager and the cashier, and so on.Your time and your nerves will remain with you.

order not to waste time on a visit to the office of the company, you can also take advantage of special agents, intermediaries, which often also have their own pages on the Internet.Agent - a person, having a contract with an insurance company and a provider of brokerage services.Most of these people have 10 to 20% of the cost of the policy, so if you use the services of one and the same person all the time, it can even make you a discount, and the policy will cost a bit cheaper.However, there need to be careful doubly so as not to "run into" in the fraud.

credit car - a forced choice of the insurance company

But the question "where better to insure the car, take out a loan" is not necessary at all.The fact that the banks issuing loans to buy cars, more often sent to the client in a particular company, with whom he signed an additional contract of service.If you do not insure credit car exactly where you told the money you are likely to get.

However, there is one caveat: most banks do not cooperate with one IC, but to inform the customer about this "forgotten".So before you arrange the loan, ask the representative of the institution a list of all the organizations with which they work, and choose the one that suits you best.Later, at the conclusion of the credit agreement, require the ability to serve exactly where you want.Most often, banks do not want to lose customers because of such a "trifle" and go forward.

Nuances insurance

There are also some special cases in which the execution of the policy may be difficult.Here you are, for example, know how to insure a car without a vehicle inspection?It seems that way, but there are some nuances.Some insurance companies offer their customers get a "policy with the condition."This means that you will be given a document, but the need to write a statement saying that you agree to provide pass inspection later, for example, for a week.

Also, you may be offered a short-term policy issue, that is to insure the car for a month or two weeks.It is just the same, and means that during this time you will have time to pass inspection and return of principal "protection" document.If the time has come to renew the insurance, and the old tehtalon valid for another six months, then pereprohodit it does not need, it is possible to issue a policy on what to eat.If you purchased a new car, the ticket inspection you do not need, because you will only take place after three years.

Due to the significant appreciation of the policy, some car owners would like to arrange it early on "old" prices.But is it possible to insure the car in advance, know not everyone.Renew the insurance policy may not be earlier than one month prior to its expiration.So that those motorists who have the validity of the compulsory insurance policy expire in early May, could theoretically save a little, of course, if you guessed the date of rate increases.

with hard hat is worse - if you are renewing an existing policy, it can be done no earlier than two weeks before the end of the previous one.And if you make out a new or want to change the insurance company, the account here and goes all day.However, some companies can issue policy "with reservation".This means that in the contract of insurance will be included on the label that the period of validity starts with the passage of re-inspection of the vehicle, the date of which is assigned to the day preceding the expiry date of the insurance.