Insurance Tips
1. Contact your insurance consultant quotation from 10-15 insurance companies, compare rates and make your choice. Do not buy insurance because it offers a salon, or because you saw the ad this insurance company. 2. Get quotes, ask your insurance representative, due to which you can reduce the cost of insurance: a way of settlement of losses, the presence of a franchise, use of diminishing the sum insured, a certificate of accident-free driving, discounts for their transition to another company, special specials. programs, etc. 3. Selecting an insurance company, remember that you do not immediately pay the full cost of insurance.
Most insurance companies give opportunity to pay more insurance payments (in some cases even without appreciation!). 4. Remember that the hull policy – this is your protection against the risks of "Theft" and "Damages." This policy does not cover the risks of temporary or total loss health of the occupants, as well as third party liability. To protect against these risks must be insured under the program third party liability insurance (compulsory and voluntary) as well as from an accident. 5. casco policies, usually sold together with the policy osago (Compulsory Third Party Liability Insurance).
However, not all know / remember that your cmtpl third party liability in the amount insured, which may be insufficient to cover the real costs of third parties through your fault: osago provides insurance protection in an amount not over 120,000 rubles in damage to property (vehicle) of one victim and 160.000 rubles for personal injury or death a victim. Therefore, in addition to the compulsory motor tpl insurance, we also strongly recommend purchasing policies dsago (Voluntary Motor vehicle liability insurance). There are such policies are cheap (in the range 1,500 rubles for a policy with an insurance of 1 million rubles), while significantly minimizing the risks of accidents with expensive cars. 6. Inscribes in policy people with zero experience (especially before age 25 years), do not be surprised that the cost of insurance will rise considerably, as young people with minimal driving experience – the most risky category for insurance companies. 7. In review it is necessary to understand in detail how "arranged" Your insurance, as well as under what conditions and in what time frame is the settlement of damages. 8. Remember that additional equipment (not included in the of the box) are insured separately. Model Hull policy, which is not made optional, will not allow you to receive insurance compensation for your extra set of tuning elements, audio and video equipment and other accessories. 9. In the insurance contract for less than 1 year should be remembered that this is not very profitable, because In this case, insurance companies do not simply divide the value of the annual policy on the appropriate number of months, but to apply the multiplying factor. 10. When concluding a contract of insurance on used car should make copies of relevant documents for the car (right all persons admitted to the management, powers of attorney, vehicle registration document, registration certificate) and be prepared to clean car insurance representative during daylight hours for inspection and photography. The above information – only a small part of what you need to know and understand when insuring your car.
