Polis voluntary motor hull insurance will be adequate protection against losses in the event of an accident, drowning, theft or fire of the vehicle.The cost of the policy depends on several factors, and in this case the insurance is divided into partial when only covered damage and complete when the car owner returns the sum of the loss in case of theft or damage.Basic requirements for the policyholder if Hull are caused by the specific rules of the insurance company, and they relate to the driving experience, the tariffs, the number of hijackings certain brands of cars.
insurer can choose independently or using the services of a broker, paying attention to the following criteria.For example, the company must have a license to conduct insurance activities, to make payments in full and in due time, have a lot of positive feedback and the experience of the implementation of such services, offering design policy for optimum conditions.In any case, the auto insurance begins with determining the exact cost of the machine, then the amount of the contribution is calculated and executed directly after the execution of the policy itself.Before placing the contract should carefully read all his points, which describes not insurance and insurance cases.
acquisition policy CASCO - is not just an event that requires an appropriate approach.Therefore it is recommended to use the pre-hull online calculator shows the approximate price of the policy.The cost of insurance will be linked to the type and brand of vehicle, year of manufacture machine, experienced motorist.For example, if the driver of 20 years, his experience of driving at least two years, and the insured vehicle is among the most frequently stolen vehicles CASCO policy will cost a round sum.
A brand new cars often can be insured at a discount, take advantage of special promotions and programs of automakers and salons.For these cars cost of the policy may amount to 5-6% of the price of the machine.Most often, the cost of CASCO is 6-12% of the price of the "iron horse", and in the case of auto insurance with the right wheel and a decent-life, it can increase up to 15-17% or even more.It should be remembered that domestic cars and foreign cars that were released over a decade ago, CASCO insurance (online calculator) will be available is difficult, because this service offers only a limited number of insurers.
Automatic Calculator located on the sites of insurance companies, an effective tool for determining the price of the policy is not, as at the time of counting, he considers only the basic data.Therefore, after a preliminary count need to phone with the insurance company and find out whether they are taken into account at the time of car insurance following nuances:
- number of drivers who admitted to the management of the machine;
- Driving experience person making out the insurance;
- cost of the machine itself and losses of the insurance model;
- Garage storage vehicle and the distribution of the satellite signal.
Based on the response, the representative of the insurance company's drivers have an opportunity to analyze the profitability of buying the policy.For example, if the policyholder has a decent driving experience, drive your vehicle yourself, keep your vehicle on the parking lot or in the garage, terms of auto insurance may be the most beneficial for him.However, in any case, must first get acquainted with the exact calculation of the value of the policy Hull, and carefully examine the insurance contract, and only then draw conclusions and take out insurance.
