car insurance coverage

How to save on the purchase of the policy Hull, and do not stay at the same time without compensation if the insured event occurred car insurance coverage

At least once a year prior to each car insurance coverage  owner of the car raises the question - to insure a car or not. For those motorists who have not yet paid the credit for cars, the answer is simple - to insure, as it is a mandatory requirement Bank. It is these car owners seek to maximize savings, buying policies Hull. "There are one major category of insurers, most interested in the economy today - the owners of mortgage vehicles," - says the general manager of the Department Underwriting and methodology of the insurance company "Universal" Sergei Palamarchuk car insurance coverage .



Insurers go to meet them and offer different options for saving. "For example, appeared on the market new programs: from the cheapest - with minimal content and high-deductible, up to the road - with a maximum filling and lack of franchises," - says deputy CEO of the company "Brokbusiness" Marina Onopriychuk. "Case" found out due to what can be lowered the price of CASCO insurance policy and will not appear if the savings are too expensive in the case of an insured event. car insurance coverage

car insurance coverage

The easiest way to reduce your insurance rates by CASCO - is to agree to an increase in the franchise (part of the loss that the insurance case is covered by the client. - "Business"). The standard deductible can range from 0% to 5% of the sum insured. "If last year the average size of the franchise, which is selected by the customer, does not exceed 1% of the amount of the loss, but today more and more people agree on the size of the franchise for more than 1%, in order to save on the cost of the policy," - explains Sergei Palamarchuk. It is worth noting that the increase in the size of the deductible can save 5-10% of the cost of the policy, but in the case of an insured event the owner of the car will not receive roughly the same part of the compensation.
 car insurance coverage
According to insurers car insurance coverage , effectively save with the help of overstatement franchise obtained from customers with good driving skills and great experience. That is, those who rarely gets into an accident. In recent years, many drivers are asked to increase the franchise even as a percentage of the loss, and to a certain amount. "We were approached by a customer with a request to establish a franchise for Hull in the amount of 25 thousand. UAH. He previously considered how he could pay for the repair of cars in case of an accident, but if the accident will not be the price of the policy it will save significantly," - he says Deputy General Director of the Insurance Company "Illichivske" Yuri Volosyuk.

car insurance coverage

If you want to get paid as much as possible, and pay less, such client, insurers are advised to give up the additional options in the policy Hull. For example, insurers often include such contracts CASCO related services in case of accident, as a challenge to doctors of private clinics at the scene of an accident. Excluding this option from the contract hull can reduce the cost of the policy of 5%. Refusal to evacuate cars from the accident site - by 1%.

But if you follow the rules of the road, you can even save up to 25%. The fact is that quite often the contracts provides for the payment of compensation hull in an accident, even if the insured has exceeded the permissible speed. Experienced drivers said that after a crash in which case the machine recovery is usually not subject to, and the payment is not compensated 100% damage. So why pay more for a policy if you can ride within the rules and save money on insurance?

Discounts, bonuses, repair

You can also save money by taking advantage of the promotional programs of the insurers. Many of them offer a variety of discounts and bonuses to retain customers and attract new ones. "As a rule, the size of discounts ranging from 3% to 15%. Also, companies use the discount program with the same amount of discounts, there are also options for cumulative discounts," - says Marina Onopriychuk.

Widely used by insurers discounts for break-even during the ride of the policy Hull. These discounts are usually accumulated: first year up to 5-10%, in the second - 15%. Within a few years, you can "earn" 25 percent or more of a discount, but not to the previous and the new price policy Hull.

The assurances of the insurers, can significantly reduce the cost of the policy, if you agree in advance that auto repair is Implemented offered as a service, which will offer the insurer. However, it should be noted that such a choice is not always available. "The main condition for a new car warranty is repaired at the original SRT. Therefore, it is the owner himself can choose a station. But if such conditions are not, by STO insurer, the client saves considerably on the price of insurance," - explains Yuri Volosyuk. How many will be able to save, it depends on the brand of car. "If it's Mercedes, the savings can be 50%, and if Skoda or Volkswagen, the 10-20%", - says the insurer.

Cheap cheese - at the wrong insurer

Despite the variety of discounts and ekonompredlozheny the auto insurance market, the insurers warn that without the study of the insurance contract and consultation with experts, "peck" on the cheap advertising policies CASCO is not necessary. In fact, the price of insurance is very tied to the exchange rate, since the majority of insured cars today - foreign cars and parts for their repair shop abroad. And if the course is growing, hence the insurance will be more expensive. "Compared to last year, the loss-making companies increased by 2 times, and prices increased by 20-40%," - says Marina Onopriychuk.

However, some insurers continue to advertise a 4% rate of policyholders Hull (at the average market 6,5-9%). "This kind of" cheapness "is likely reflects not the desire of the insurer to help the client, and that such a policy almost from any risk of car does not protect either the insurer obviously does not intend to pay, as it is located in preddefoltnom state" - says one of the insurers.