This type of car insurance includes compensation when one of the insured events. You can insure the risk of damage from injury, loss or theft of the vehicle (the vehicle).

CASCO insurance does not include the insurer's liability for damages resulting from an insured event in connection with the death and bodily injury, property damage, etc.

Full CASCO offers protection against losses resulting from damage due to accident, fire, spontaneous combustion, explosion, natural disaster, theft, unlawful acts of third persons, except for the damage that has operational nature.

Partial Hull requires compensation for the reduced list of insurance risks, which typically does not include the risk of car theft.

The desire of the owner to insure the car against theft just does not usually cause enthusiasm among the representatives of insurance companies. However, there are insurance companies offering insurance services only from stealing cars to install radiopoiskovyh systems. We offer a program of insurance against theft with a free installation on your car radiopoiskovoy LODZHEK system.

Additional insurance

Together with the optional comprehensive insurance can be insured:

The additional equipment. This insurance of all equipment that is not included in the kit, according to the manufacturer's instructions. For example, acoustic systems, spoilers, lighting equipment, tires, moldings, etc.

Accident insurance of passengers in the car.

Accident - a sudden short-term external event for the insured, which occurred during the term of the contract, which resulted in the injury (death) of the insured as a result of an accident, fire, explosion, natural disasters - except for the illegal actions of third parties.

Accident insurance of the occupants may be made by lump-sum system or system locations.

Lump system - a single sum insured for all the seats in the car, in which insurance premiums for each insured location are made on the basis of interest, approved by the insurance rules.

The system places - in this case, the policyholder himself entitled to determine what part of the sum insured for the place in the car will be paid.

What you need to know about Hull?

You decide to purchase or have purchased a service AUTOCASCO.

What you need to know?

  The insurance company - a financial institution, not the man who sells you the insurance.

Even if you say that everything will be fine, always Find out:

• information about the company (reviews);

• duties of the company;

• conditions of insurance.

The insurance contract usually consists of a policy and rules of insurance, if you only give out a policy of insurance required by the rules!

What is the condition for insurance? The law provides that the insurance contract shall contain the insurance risk (the description of possible events), in case of occurrence of which is insured your car. First of all, know that the car will be insured against loss and damage in strictly defined circumstances, but not from any damages or losses that may occur.

  Do you have a question naturally arises, and where in these rules and policy (published in small print) read the terms of the unknown and how to evaluate? The lawyers of our project will help you.

Phase 1

  Discover the rules of the insurance section named derived from "INSURANCE RISK."

It is here indicated, all events upon the occurrence of which you are obliged to pay compensation. Please note that this list of different insurance companies vary. Do not be lazy to ask your agent rules 4.3 companies and compare this section. And you'll see in some rules there is no "animal action", in other absolutely wretched concept of "disaster" and other differences.

STAGE 2

  Discover the rules of the insurance section named derived from "EXCLUSION FROM INSURANCE COVERAGE."

Attention! In a number of exceptions to the rules of insurance are in the same section as the events themselves insurance. Also, exceptions may be contained in a section named derived from "INSURANCE PAYMENTS."

It was here that are all cases where an event referred to as an insurance risk, and even come, but will not be considered insurance. The so-called "exceptions" are absolutely legal terms. Here begins the "creativity" insurers.

STEP 3

  Discover the rules of the insurance section named derived from "INSURANCE PAYMENTS."

Here you should find out:

A. Take into account whether the wear and tear when paying (often, but it happens!)?

Two. When the car is recognized destroyed?

Three. What are the amounts deducted in determining the amount of payment in connection with the theft or total destruction of the car? Deducted a depreciation of the vehicle and what is its size (this is especially important for those who took out a bank loan and was once the policy for the entire period, without splitting the sum insured on an annual basis)? Whether unpaid fees are deducted, the period for which payment has not approached by insurance (if installment payments)?

4. When and how many times a year you can get paid without recourse to the competent authorities.

STAGE 4

  Discover the rules of the insurance section named derived from "TERMINATION".

You have to figure out how to return the premium, if for some reason you decide to cancel the insurance. Many companies simply do not provide refunds. Some companies deduct previously made payments and the cost of doing business (30% to 50% of the cost of insurance).

STAGE 5

  Examine policy. Pay attention to the fact that the conditions of the policy have a greater legal force with respect to the rules of insurance.

What could be wrong?

A. Insurance of the risk of theft can not come from the insurance payment, and since the installation of protective devices and / or from the date of registration of the vehicle in the traffic police.

Two. The policy may provide for additional exclusions from insurance coverage when you do not pay.

Three. The policy may contain a condition that in case of failure of the insured by the contract premium is not refundable.

4. The policy may contain a mandatory pre-trial dispute settlement procedure with extended timetable for the review of any claims.

Regarding the conditions that allow you to choose from.

A. The sum insured should choose neagregatnuyu (not reduced by payments made).

Two. To avoid restrictions on the possession of the vehicle.

Three. Form of payment to better align as "repair of the insured at the service station"

4. To avoid the restrictions of payments related to your guilt in an accident.

What guarantees exist when buying insurance.

A. When you purchase at the office of the insurance company - no!

Two. When purchasing agent for an insurance company - no!

Three. When buying a policy through a broker organizations that provide additional support (prime example - Insurance Store "Expert") - significantly increases the chance of obtaining compensation.

4. When buying, where less - likely to be deceived!