CASCO policy - a policy of voluntary car insurance, while insurance - mandatory.Most popular in Russia ranks first insurance policy.What are the main differences between these two types of insurance?
- CASCO - insurance of any kind of transportation (car, boat, train, plane, etc.).When making insurance may only car insurance.
- In the event of an insurance case, the victim should contact either your insurance company (insurance), or contact the perpetrator of the incident (CTP).
- When the policy CASCO has more than full compensation, without depreciation.In addition, also provides for compensation for loss of profits, unlike insurance.
- If possible CASCO insurance is not only a vehicle, but also passengers, cargo, property, whereas in insurance, insurance shall be only liable to the damages caused to third parties.
- When Hull is possible to make repairs at the expense of the insurer, and if insurance is paid only by money spent calculation.
- With comprehensive insurance, there may be deductible.
- extent of the damage when the policy CASCO can identify any specialist, while at the CTP - only an independent expert.
- At CASCO premium is determined by the value of the insurance company, while insurance - is regulated by the state.
This list only the main differences between these two insurance systems.It should also be mentioned that the hull is divided into two types - a full and partial.Full CASCO insurance allows you to insure against all risks: theft, accident, fire, natural disasters, illegal actions of third persons, objects falling on the car and others. And in case of partial hull insurance policyholder has the right to decide what risks in his case are the most important andnot to insure the vehicle from the unlikely risk for him.
If you decide that you need a policy Hull, and your budget is limited, partial comprehensive insurance can be a great way out.Another possible option could be deductible.Establishment of a franchise means that the coating minor damage to the policyholder produces independently.For example, if the deductible is set at 5000 rubles, auto repair to the amount included in this framework, the car owner pays himself.And in the event of damage to a large sum, you should have to apply to the insurance company.
consider several options for savings in the design of the policy Hull.Firstly, it is accident-free driving during the previous year, since the figure is taken into account when calculating the value of the policy.Secondly, the number of people, which is made out insurance.It should seriously consider who will actually drive a vehicle and who could not be included in the list - it will also reduce the cost of insurance.Finally, do not forget about the nice bonuses and discounts that many insurance companies offer their customers when they are applying for the services of partner companies.
Now CASCO growing popularity, and this is easily explained.In addition, the policy of voluntary insurance can be combined with a policy of compulsory.Thus, you will provide comprehensive financial security - in fact in the case of an accident, you can expect a more generous compensation for the hull, and damages to the injured party will take the insurance company with which you have insurance contract.And such comprehensive protection for you and your loved ones need not be too expensive, due to the reasons described earlier.
If you want to be sure of your decision, you can make a pre-payment or payment Casco insurance.
