any car owner wants to protect your vehicle from possible damage.CASCO insurance will do it well.Many want to learn more about the comprehensive insurance, what it is.But first things first.First you need to understand that even today is meant by the damage.
Damage to the owner of the car - any damage which caused the car.It may be an act of vandalism, theft, damage in an accident.Does not exclude other types of damage.Casco is popular because of the wide range of costs that are covered by insurance.At the moment the situation is that many people are still in the planning of buying a car is already thinking about his defense.
Popularity
is not to say that this car insurance - cheaper option, but that it is today the most popular.Thus, if you want to protect your budget from unexpected, extra costs, it's time to learn the rules of Hull.Insurance cases can be different: not a good parking, theft, causing any harm.If there was any such trouble, the person who has drawn up comprehensive insurance will be paid in full compensation (according to the damage).
Mini-Casco - what is it?
modern insurance market provides its customers a lot of offers, for example, there are different types of Casco.What is it - a "mini" -version of this insurance?He really deserves attention.
It's such an insurance product that offers motorists in virtually all major domestic insurance companies.In fact, we are talking about the simplified program hull, which ensures reliable protection against the risks will protect a person from serious losses.From what troubles will such insurance?
- car theft;
- loss or damage cars due to natural disaster or fire;
- accidents or industrial accidents;
- damage due to the actions of municipal and technical services (for example, the damage inflicted by representatives of law enforcement or emergency services).
list of the risks that the proposal cover "small" varies considerably - it all depends on a particular firm.However, common features still there: relatively low cost (compared to the full policy), the insurance policy also has significant limitations.Generally, people can save up to 30% on the price of Casco insurance, if the package is selected "mini".
What plus?
The main advantage of an incomplete package, when compared with a full-CASCO policy - impressive savings of Finance.This form of insurance is ideal for inexperienced and young drivers, as well as those people whose car had worn out.If the warranty from the manufacturer is over the vehicle, also pay attention to the "mini" -version Casco.Also, this tool is useful in a situation where the motorist does not want to insure the car against all possible risks, if, for example, you need only go a few times a month, and all the rest of the car is in a garage or on a paid parking lot.
franchise in Hull
Surely someone heard about CASCO franchise.What it is?So we call on the part of the damage insurance, which reimburses the owner of your own, if an insured event occurs.As a rule, we are talking about a fixed sum insured, although many companies express the value as a percentage.The situation is as follows: the company CASCO provides the client with a significant discount on their services, but some small repairs (the stipulated advance with representatives of the insurance company) will have to comply with spending money from his own pocket.For cars there are two types of franchises: conditional and unconditional.
Unconditional franchise
In the insurance policy stipulated the procedure like this: the owner of the vehicle undertakes to that is that it compensates for a certain amount in the event that if it receives damage.It is necessary to consider a simple example: a machine that is insured under this program.Limit the franchise is, say, 5,000 rubles.If the insured event occurs, for example, 15 thousand, the company will pay the owner of a car only 10 000.
conditional franchise
What can be said about this proposal?When a conditional franchise the insurance company to fully compensate all damages that suffered the machine only when its size is higher than a certain bracket.If we look at the reviews of Hull, in this situation, it looks like this: if the car gets into an accident, but the amount of damage is less than the Planck franchise, the owner pays for repairs himself.If the damage is greater than the data in the contract, the owner will pay for the restoration of the vehicle.
Everyone must decide for himself the question of whether to use the franchise with Hull.What is it - it became clear to many of our articles.Suffice it to draw attention to the situation in the big cities - there is a high risk of minor damage (scratches on the bumper, wings).Insurance companies expect the franchise is so that the cost of repairs was slightly lower than the specified level of payments.That is, before making a choice, you should try to take into account all the nuances.Franchise - a really wonderful way to save money, especially its maximum option.In such a situation for the comprehensive insurance will have to pay somewhere in the two times less than in the conventional case.That is, even the owners of old cars can be enough to seriously think about the insurance policy CASCO - now it's real.
