agreed on the need to insure the car (on their own initiative or under the pressure of external factors), a person starts looking for a suitable insurance company.The potential customer is usually first looks at the insurer's rates, and only then draws attention to the other terms of the contract (and not always).But the rate will largely depend on the conditions under which objects will be insured auto.
Despite the fact that Hull - voluntary motor vehicle customer, without it will not do no credit transaction.So for many car owners, this contract becomes voluntary-compulsory.To find out more with the conditions and successfully select an insurer need to start to understand what is different from the hull insurance.The main differences between these two types of insurance - auto insurance facilities.In the first case it will be a third party (ie, fear of life and health of other road users, as well as their property, including motor vehicles), then CASCO insurance is the only object of the car itself.
choosing the conditions under which a contract will be drawn up CASCO, the client must understand that the low rate of the contract will certainly accompanied by a high deductible, or exclusion from the list of some of the risks.Both are very important moment, and may in the future affect what will I get a refund upon the occurrence of an event.
franchise (ie the amount deducted from the payment of compensation when) can be specified as a percentage of the cost of cars, and in rubles.If the car insurance includes a high deductible, then seek compensation only makes sense in case of serious damage.Such agreements are generally concluded for an auto loan, reducing the expense deductible rate when the client insurance, in fact, not necessary, and he perceives it only as an additional cost.
With regard to the risks from which the objects are insured auto insurance, the situation is this: if the auto loan, they choose the bank and the customer can not exclude any of the items, in order to reduce the insurance premium.If the insurance is not associated with a loan, the customer chooses, that he include in the contract and what is not.In the case where the objects are insured car insurance all risks CASCO agreement covers traffic accidents (as the fault of the driver, and without it), the illegal actions of unauthorized persons (including theft), natural disasters, falling objects, trees, fire or spontaneous combustion.
To reduce the cost of insurance, the customer may withdraw from settlements, which, in his opinion, is unlikely.As a rule, the contract excludes natural disasters and fire, leaving only the accidents and theft.With an average deductible of 2-4% of the sum insured insurance can 2 times cheaper.Objects of car insurance at the same time can be vehicles both private individuals and predpriyatiy.Mnogie insurers set the maximum age of cars that can be insured under the hull, increasing the tariff on cars older than 8, 9 or 10 years is 1.5, and that in2 times, or even abandoning the security of such vehicles.
choosing an insurance company, which will contract Hull, as well as considering the different conditions of the contract, should pay attention to this process, so that if necessary, easy and hassle to get a refund.
