At first glance, CASCO insurance against theft or theft of the car - a fairly simple insurance product.Indeed propane vehicle - the car owner received the corresponding insurance compensation.Not gone - and then refund it is not particularly something and need.
But as practice shows, the problems with that option at Hull car owners there is enough in the first place because of some misunderstanding nuances of this type of insurance.Just take and calculate Hull online or at the office of the insurer and buy a policy - not a means to ensure their financial security.For example, many car owners are not even aware that the hijacking and theft - are different concepts (and various risks).It is no accident for such actions in the Criminal Code set aside two different articles - 166 and 158 respectively:
- Theft of car - it is illegal and uncompensated seizure in someone's favor.
- theft - taking a vehicle without a purpose of plunder.
That is, in the first case - it was given, the second - "without asking took a ride."Therefore, the study of the text of the policy Hull, and standard rules of insurance be sure to pay attention to it.By the way insurance rules is imperative to examine, as in this document may contain important provisions that are not in the policy.Otherwise, you may lose the car and the insurance compensation and did not get.
Important "nuances»
Insurers are perfectly able to assess the potential risks and facilitate their emergence reasons - this is the essence of the insurance business.Therefore, under the contract of insurance is usually specified circumstances constitute grounds for refusal to pay insurance indemnity.
For example, in the policy or regulations hull may contain mandatory requirements for the storage of the vehicle.And to prove compliance with these requirements is necessary to the insurer and on the basis of written documents.If the policy states that at night the vehicle without the vehicle owner should only be on a guarded parking lot - so he must have a written contract of storage and get payment documents for payment of storage.Otherwise, the insurance reimbursement will be denied.
situation is similar to the vehicle anti-theft devices.The policy states that the vehicle must be equipped with a device of a certain type (perhaps that is set to a specialized company).So, you need to install.Not always non-compliance with such requirements entails a complete rejection of the insurance compensation, but are often significantly reduces its size.
Insurers also establish other grounds for refusal or reduction of the amount of compensation, including:
- Leaving doors or windows of the car is not locked.
- Negligent storage of keys and (or) documents on the car.
- lack of notice of loss of keys or documents, if such an event occurred.
- entrepreneurial activities on the transport of third parties without prior notification of the insurance company, etc.
Obviously, all of these circumstances contribute to an increased risk of theft or theft of the car, but because the attitude of insurers to them appropriate.To avoid the risk of losing the car, and with it the right to receive the insurance indemnity is best to examine the conditions of the insurance, and then think about the price of the policy.After calculate Hull online it is very simple, but it does have a clear idea of what are willing to pay.
