Any car owner wants to protect hisvehicle against possible damage. CASCO insurance will help to do this in the best way. Many want to learn more about the casco, what it is. But first things first. To begin with, we need to understand what is generally understood as damage.
Damage to the owner of the car - some harm,which caused the car. This can be an act of vandalism, hijacking, damage during an accident. Other types of damage are not excluded. Casco is popular due to the wide range of costs covered by insurance. At the moment the situation is as follows: many people are already thinking about protecting it when planning a car purchase.
Popularity
It can not be said that such car insurance -It's a cheap option, but it is the most popular one today. Thus, if you want to protect your budget from unforeseen, unnecessary expenses, it's time to learn the rules of CASCO. Insurance cases can be different: not the most successful parking, hijacking, causing any harm. If there is any such trouble, a person who has a completed hull will receive a full refund (in accordance with the damage).
Mini-hull - what is it?
The modern market of insurance services providesits customers a lot of proposals, for example, there are different types of hull. What is this - a "mini" -variant of this insurance? He really deserves attention.
This is an insurance product that offersmotorists in virtually all leading domestic insurance companies. In fact, we are talking about a simplified CASCO program, which guarantees reliable protection against risks, will protect a person from serious losses. From what troubles will such insurance help?
- car theft;
- loss of a car or its damage due to a natural disaster or fire;
- Accident or industrial accident;
- damage due to the actions of communal or technical services (for example, damage caused by representatives of law enforcement or rescue services).
List of those risks that will cover the proposal"Mini", varies significantly - everything depends on the specific company. However, there are similarities all the same: sufficiently low cost (if compared with a full policy), and the insurance policy has significant limitations. As a rule, people save up to 30% of the price for insurance, if you choose the "mini" package.
What is the plus?
The main advantage of an incomplete package, ifcompare with a full-fledged CASCO-policy - an impressive economy of finance. This form of insurance is ideal for inexperienced, young drivers, as well as those people whose car is already worn out. If the warranty from the manufacturer has already ended on the vehicle, it is also worth paying attention to the "mini" -variant Casco. Also this tool is convenient in such situation when the motorist does not want to insure the car against all possible risks, for example, you need to drive only a few times a month, and all the rest of the time the car is in the garage or at a paid parking.
Franchise in Hull Insurance
Surely someone has heard of the franchiseCASCO. What it is? This is the part of the damage caused by the insurance, which the owner reimburses on his own, if the insured event has come. As a rule, we are talking about a fixed sum insured, although many firms express this value as a percentage. The situation looks like this: CASCO gives the client a significant discount on its services, but any minor repairs (previously agreed with the representatives of the insurance company) will have to be done by spending money from their own pocket. For cars there are two types of franchise: conditional and unconditional.
Unconditional franchise
In the insurance policy, this procedure is specifiedsomething like this: the owner of the car undertakes an obligation, which consists in the fact that he compensates a certain amount in case he receives damage. It is worth considering a simple example: there is a car that is insured under this program. The franchise limit is, say, 5,000 rubles. If an insured event occurs, for example, by 15 thousand, the company will pay only 10,000 to the owner of the car.
Conditional deductible
What can be said about this offer?With a conditional franchise, the insurance company fully compensates for all the damage caused to the car, only when its size is higher than a certain level. If you pay attention to the reviews on the hull insurance, then in this situation everything looks like this: if the car gets into an accident, but the amount of damage is less than the level of the franchise, the owner pays for repairs. If the damage is greater than the data in the contract, the owner will be paid for the restoration of the car.
Каждый должен сам для себя решить вопрос о том, whether to use the franchise with hull insurance. What it is - many became clear from our article. It is enough to pay attention to the situation in big cities - there is a high risk of minor damage (scratches on the bumper, wings). Insurance companies expect the franchise in such a way that the cost of repair is slightly lower than the established payment level. That is, before you make a choice, you need to try to take into account all the nuances. Franchise is a really great way to save money, especially its maximum option. In such a situation, it will be necessary to pay for casco somewhere two times less than in the usual case. That is, even owners of fairly old cars can seriously think about a CASCO insurance policy - today this is real.
