At first glance, CASCO insurance against theft orstealing a car is a fairly simple insurance product. Indeed: the vehicle was lost - the car owner received a corresponding insurance compensation. Not lost - then the compensation is not really something he needs.
But as practice shows, problems with this option car owners are enough, and in the firstturn due to some misunderstanding of the nuances of this type of insurance. Just take and calculate CASCO online or in the office of the insurer and buy a policy - does not mean to provide your financial security. So, for example, many car owners do not even know that theft and theft are different concepts (and different risks). It is not accidental that for such actions in the Criminal Code of the Russian Federation there are two different articles - 166 and 158, respectively:
- Theft of a car is his unlawful and uncompensated withdrawal to someone's advantage.
- Hijacking - taking possession of a vehicle without the purpose of theft.
That is, in the first case - it was appropriated, inthe second - "without demand they took a ride." Therefore, when studying the text of the CASCO policy and the standard rules of insurance, be sure to pay attention to this. By the way, insurance rules must necessarily be studied, since this document may contain important provisions that are not in the policy. Otherwise, you can lose the car, and the insurance refund does not get.
Important "nuances"
Insurers are good at evaluatingpotential risks and causes contributing to their occurrence - this is the essence of insurance activity. Consequently, under the terms of the insurance contract, circumstances that are grounds for refusing to pay insurance compensation are usually indicated.
For example, in a policy or CASCO rulescompulsory requirements for the place of storage of the car. And to prove the fulfillment of these requirements is necessary to the insured and on the basis of written documents. If the policy states that at night the vehicle in the absence of the car owner should only be in a secure parking lot, then it must conclude a written storage contract and receive payment documents for payment of storage. Otherwise, he will be refused insurance indemnity.
A similar situation with the car equipmentanti-theft devices. The policy states that the vehicle must be equipped with a device of a certain type (it is possible that it is installed in a specialized company). So, it is necessary to establish. Not always failure to meet such requirements entails a complete refusal in insurance payment, but often significantly reduces its size.
Insurers also establish other grounds for refusal or reduction of the amount of compensation, including:
- The doors or windows of the car are not closed.
- Careless storage of keys and (or) documents on the car.
- No notice of loss of keys or documents, if such an event occurred.
- Carrying out business activities for the transportation of third parties without prior notice to the insurance company, etc.
Obviously, all of the above circumstancescontribute to an increase in the risk of theft or theft of the car, and therefore the attitude of insurers to them is appropriate. In order to avoid the risk of losing a car, and with it the right to receive insurance compensation, it is better to first study the terms of insurance, and only then think about the price of the policy. After all it's very simple, but for this you need to have a clear idea of what you are ready to pay for.
