In addition to the franchise, and car insurance with an aggregate amount neagregatnoy and there are two quite legitimate ways to reduce the cost of hull insurance policy.

Consider one such way deeper.

This method can be designated as the assessment of the car at the lowest admissible value of insurance.

It looks all that follows. Suppose you bought a car for 700 000 rubles. Hoping to reduce the price of the policy, (and it is a certain percentage of the sum insured) you specify in the policy the insured amount, say 570 000 rubles.

You come - and you are saved, and insurance received.

Suppose an insured event occurs, you comprise loss of 25 000 rubles, and then pay only 20 500. You rastroenny, accusing the insurer, meanwhile, all the rules, no violations.

What's the matter?

You have to know that employees of insurance companies always know exactly the average market value of the car, which insure.

And, if you claimed the price differs from the average market value within 10%, then nothing to worry about, if you cancel the insurance if the amount of damages in full.

But if the delta in comparison with the claimed amount and the average market value of the car exceeds 10%, then, as a rule goes into effect the so-called rule of proportionality insurance. This means that the damage you compensated in proportion to the sum insured. If the insurance amount is below the market average of 18%, then the amount payable would be correspondingly lower estimates for the same 18%. Proportional insurance - is a legitimate procedure as prescribed in Article 949 of the Civil Code.

Nevertheless, in the policy, this information is not displayed. But it is in the rules of insurance companies.

If the understatement of the sum insured is included proportional insurance, then when inflating it does not happen. If you inflate the sum insured for more than 10%, the insurance company simply will not accept such a policy.

Another way to reduce the cost of hull insurance policy.

This - calculation adjusted for depreciation.
Reduction in CASCO is by taking into account wear of your car.

If you want to receive further details in the insurance case regardless of the age of your machine, you have to pay a large sum for the policy. If you still want to save, then the contract will be reckoned in the calculation of depreciation. But then the difference value Intermedia old and new parts, you have to pay extra out of pocket.

To summarize an overview of all the ways to reduce the cost of hull insurance, it turns out that the savings - it is always a double edged sword. The less we pay for the policy, so when the insurance case to pay more and vice versa. After all, insurance, insurance is always a possibility, and not from something known for certain. So save on the insurance policy CASCO or not - you decide.

Время на сервере: 04.09.2010 03:22:57

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