Before insure a car, it is worth to get acquainted with the basic terms used in this procedure, such as "franchise".Insurance agents are required to tell you about all the benefits of the acquisition policy.But not the fact that they explain the nuances of the use of helmets with the franchise.What is it, and under what conditions this service is made, read detailed in this article.
Determination
deductible - the amount of money that a person would have to compensate for their own when the insured event.It may be indicated in% or in absolute terms.Its size is agreed in advance and specified in the policy.The customer gets a discount, if you agree to buy a helmet with a deductible of RESO.
Types
conditional franchise: all payments that exceed its size, the company is fully compensated.But if the cost of restoring the car minor, the insurer will receive nothing under the policy.Example: the franchise is 10 000 rubles, and the cost of construction - 8000 rubles.Under the terms of the contract in this case, the client will receive nothing.But if the amount of the costs will be 12 thousand rubles, the insurance compensates for the damage in full and will not deduct the value of the franchise.In practice, this option is not always used, since often there are cases of fraud, especially when the client increases the amount of damage to the level franchise.
Most often clients prefer to buy policies with a deductible Hull.What does it mean?In any case, the client will receive insurance compensation minus a predetermined amount (unconditional deductible).Example: in the policy spelled out the franchise of 3 thousand rubles.The amount of costs for the restoration of cars - 10 thousand rubles.The customer will receive from them only 7000 rubles.The remaining amount he would have to compensate themselves.Such policies are purchased more frequently.
Additions
CASCO insurance with a deductible of unconditional is of two kinds.Part of the cost that the customer will recover its own, can be expressed as a specific amount or percentage.In the second case, the wear of a vehicle is taken into account.The amount of the deductible and the use of the term varies in direct proportion.
Example: in the policy set CASCO insurance deductible of 15% of the amount of damage.On the restoration of cars need 50 thousand. Rub.From the company (IC), the client will receive 50 * (1-0,15) = 42.5 thousand. Rub.A balance - 7.5 - pay yourself.
Here's how franchise in hull insurance.
Pros
Depending on the situation, driving experience, needs and possibilities of customers such policies have several advantages.
- savings on the purchase. policy with a deductible is always less expensive than without it.Typically, the decrease is twofold value of a fixed amount.Especially it will be noticeable in the costing for young drivers (up to two years).For them, usually installed multiplying factors.The discount increases in proportion to a fixed amount.Calculate the approximate cost of the policy, you can use the online calculator on the website of the insurance company.But buying a product cost to be prepared for the fact that part of the cost in any case will have to compensate themselves.
- Save time. For small scratches on the body or other damage to the client will not have to contact the company for compensation.Compensation franchise hull in such cases is not provided.
- According to statistics, less deductible cars get into accidents. Effective psychological factor.The driver understands that even a car and insured, but part of it will have to compensate for the costs yourself.We can say that the franchise makes people to control the vehicle more carefully.
Benefits Insurance Company
presence of its franchise eliminates the need to run red tape in order to pay a small compensation for 2-3 thousand rubles.The mechanism is always the same paperwork.But the cost of this procedure can greatly exceed the amount of the payment.CASCO with franchise saves the cost of paperwork.This is the advantage of the client's concerns.One does not have to cook every time a packet of documents to obtain a refund in the UK.Especially we have to take into account that the process of registration of securities, if the car needs to be repaired, it may take several months.
Other options
Also considered traditional franchises, UK offer other policies.They are designed for specific groups of customers.
Dynamic Hull deductible, or the payment of the second case.The essence of this proposal is that the first account of the damage reimburse in full the UK.From the second act begins deductible.Sometimes it is the percentage increases with each client's treatment in the UK.At the same time it can change exponentially.
Reduced deductible is only used if the culprit is not an accident the client.CK is obliged to pay damages, even if the other driver fled the scene.
Depending on the time when there was an insurance case can be used separately from the hull deductible.What does it mean?The policy options are spelled out not only damages but also the time in which they arise.If the insured event occurred sooner or later, the client pays all the costs themselves.
Example: the driver uses the car only on weekdays.At the weekend moves by public transport.He decided to issue a temporary CASCO franchise.If an insured event occurs on a weekday, the company compensates all costs.But if the driver gets in an accident on Sunday, the money for the restoration of cars will have to pay out of pocket.
When to buy a policy
- subject to availability of funds to cover part of the cost of self.Discount provided with the purchase of the policy, will just be spent on repairs.But the insured event may not occur.Then, the benefit is obvious.
- Confidence in driving skills and the availability of long-term trouble-free experience.If the driver feels like a fish in water at the wheel, the policy hull with a deductible will save you money.The probability of an accident is always there.But if a safe driving style proved many years of experience, the franchise will help to save the family budget.
- Full CASCO includes "Damage" and "theft."For example, a client wants to insure only the first risk, as he is confident in their skills and small scratches on the body will not pay attention.Then it is necessary to purchase a full helmets with high deductible (7% or greater), compensating "Damage"."Theft" can be insured not all companies, or rather, this service is available in a package with other.Therefore, in such cases it is necessary to acquire a full policy.
When the franchise is to refuse
According to statistics, this service is not profitable customers, who often find themselves in an accident.In particular, this applies to novice drivers and those who feel insecure while driving.So people better to purchase insurance at full price, taking into account all factors.Minor accidents such clients occur several times a month.
profitable to franchise
In the market there are different types of policies that might be appropriate in some customers.An experienced driver is better to buy a complete hull, which is completely good any damage caused by third parties.People who have recently received a law, pay attention to the insurance with a deductible dynamic.Big discount for them is not provided, but the psychological factor will still operate.Drivers whose main risk is the possibility of theft or destruction of, better to buy helmets with the maximum amount deductible, for example, the program "50 to 50".
ratio amounts
Each IC itself calculates the limit to damages.Cases where have used the franchise 0 or 100%, is extremely rare.But always acts the same rule: the lower the value of the object, the greater the costs will have to compensate the customer.CASCO with franchise in RESO usually provided on the following conditions: 0.5-1% of the costs for the restoration of the vehicle as a result of road accidents, illegal actions of others, and 5% for the risk of theft compensate the client.If this article cost is 0%, then the price of the policy of expensive cars can be up to 6% of the value of the vehicle, domestic - 3.96%.
Credit Car Insurance
understand all of the nuances of the policy still stands.Especially if the vehicle is purchased on credit.Banks have their lists of partners-insurers, which pre-approved terms and conditions.To conclude the contract with the largest companies in the market, customers can by buying JSC "Sberbank" CASCO.The deductible on such transactions is provided on a mandatory basis.Although the cost of the policy can be reduced without increasing their risks.For example, if a customer wants to insure the vehicle only on the amount of the loan, ie 70-80% of the price of the car.But in this case, the bank will be more protected.The payment will be proportional to the size of the loan minus the deductible.The funds transferred to the account of a service, which was engaged in the restoration of the vehicle, or the bank, if the vehicle has been stolen or completely destroyed.But if the amount of payment does not cover the balance of the loan, the client will still have to repay part of the debt from his pocket.
miser pays twice
When the agent says: "We are ready to slightly reduce your tariff", the client must understand that in such a case, he will have to compensate for the greater part of the funds themselves.A small saving in the early stages is expressed in increasing the rate (amount) of the franchise.Unfortunately, the insurance culture in Russia is underdeveloped.Because people do not fully understand the essence of all the concepts and the link between the payment and deductible, you agree to the offer to purchase insurance agents with 5-10% of personal expenses.
50 to 50
only insurance deductible is fixed in advance.But in this case the car is insured from the fact that it could hit someone.Most often, the drivers take on this policy for the period of inspection.So for them the key factor is the price.It operates the same rule.By reducing the price of the policy, the UK increases the franchise.But such insurance may be appropriate only for experienced drivers.But they realize their mistake only when the insured event, when it turns out that the policy covers only 50% of the costs.
Conclusion
to insure a car from the damage that it can be applied as a result of actions of third parties must be purchased CASCO insurance policy with a deductible.What it is?In the case of an accident the client can contact the insurance company for compensation of costs for the restoration of the vehicle.After placing all the securities payment will be made within the limits of the sum insured, but minus the deductible.That is, the insured person still bear part of the losses, but their size will be registered in advance in the agreement in the form of a fixed amount or percentage.
