Casco insurance rules. How to "dress" the car in a "helmet"?

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

The booming influx of vehicles has spawned the phenomenon of auto insurance. A great way to protect your car, provided that you can get into the hands of conscientious and honest insurers. Hull insurance has gained great popularity in Russia. It will be discussed further.

What is this?

Casco is a type of car insurance, the purpose of which is to compensate for damage in case of damage or theft of a car, and if there is a special clause in the conditions, the he alth of the driver can also be protected. Such insurance is purchased on the voluntary basis of the owner of the vehicle.

When is a payout made?

Each insurance company establishes a list of insured events. It looks like this:

• accidents, failures in the ground and under the ice, fires, explosions, theft, theft, robbery and more.
• Harm and damage to the victims, if it arose through the fault of the driver, as a result of violations of the rules and obligations.
• Loss by insured personslegal capacity if this happened during an accident.
• Contingencies of the car owner.

Is it worth it?

In this matter, the choice always remains with the owner of the car. If the vehicle was bought on credit, then until the full repayment of the amount it will be the property of the bank, and this organization will definitely take care of the insurance at the expense of the debtor.

When you buy a car yourself, the decision on insurance is also free. If the driver is confident in the need for the services of insurers, then he should responsibly choose a company and conditions that are convenient for him.

What affects the cost of Casco?

Buying Casco is an expensive pleasure. In order not to suffer unnecessary losses, you need to take into account the details and nuances of the programs and tariffs offered by the UK.

When studying this issue, you need to focus on the following points:

• The sum insured determined by the insurance contract. Within its limits, the UK pays compensation to the victims. For example, according to the rules of hull insurance in VSK, the safety reserve can be both reduced and not reduced, while other organizations may limit themselves to only one type. In the first case, the insurance company makes payments from the total amount, gradually bringing it to zero, in the second case, the reserve always remains unchanged and will be the same for all insured events. It is clear that the cost of the latter will be higher.
• Degree of protection against threats. The owner has the right to choose full orpartial level. In the first case, insurance can be claimed for damage and for theft, in the second - for one of the incidents. Hiding the car in a garage reduces the risk of theft, which means you can save money and buy a partial policy.



• With or without depreciation, payments are made. Casco "Rosgosstrakh" according to the rules of insurance provides only one option. While many companies give the customer a choice.
• Terms for filing an application in insurance cases. The longer this period, the better. For comparison, 10 days is accepted in RESO, according to the rules of hull insurance in Ingosstrakh, this period is 7 days.
• Car repair place. Whether this moment is determined by the owner freely or, at the choice of the UK, the company repairs the car in partner workshops. It is not difficult to guess that this option is more convenient and cheaper for the insurer. The amount of the Casco itself will also fall below.
• Availability of additional services. It should be understood that their presence will significantly increase the cost of insurance.
• Installment. This option will allow you to pay for the insurance policy within a few months. She will not make it cheaper, but will allow the owner not to go broke completely and “in one sitting.”

Insurance rules. What else to explore?

When choosing an insurance company, you should not focus solely on the price characteristics of the policy. An offer that is too cheap will lure the newcomer into a trap and only shake all the means out of the poor. When reading the Casco insurance rules, you shouldfocus on the following information:

1. Machine storage. This requirement is not found in all companies. Some of them settled this issue even for the dark time of the day. According to such rules, cars should "spend the night" only in guarded parking lots.
2. Clear terminology. In order to have an airbag in disputes or evade payments, unscrupulous organizations avoid the full description of concepts.



3. Insured events. The company should clearly outline this issue. The car owner will be morally and financially ready for situations when he will have to solve the problem at his own expense.
4. Wear rates. It should be noted that each company sets them at its own discretion, therefore, in case of similar events, customers of different organizations will receive different amounts.
5. Packing requirements. If the car is stolen, some UK require proof that the owner has taken the necessary measures to ensure the safety of the car.
6. Casco insurance rules for a new car. Many companies adhere to the rule about the beginning of the insurance. This milestone comes after the vehicle is registered with the traffic police.

Pitfalls

No one wants to overpay. Insurers are no exception. Companies strive to minimize losses. In this regard, the organization establishes clearly defined points for which insurance payments are not due.

Such lists are formed by each company separately and differcan drastically. However, it is possible to see a certain standard, insured events will definitely not be damage due to:

• Radiation exposure.
• Mass unrest.
• Military action.
• Nuclear explosions.
• Seizure of the car by government agencies, if there are legal grounds for this.

Also, insurance does not cover lost profits and moral damage.

Careful consideration of these circumstances by the car owner will help to avoid unnecessary disagreements and financial waste in the future.