Tag: financial

Casco insurance – a complex, exciting and time-consuming process for the insured. You always want to find an optimal product, pay less and get complete protection against all risks. But a large number of insurance companies and their offers is not alone. "What is to stop? "- An issue that insurer asks himself every time a purchase agreement Casco. It's no secret that among a lot of insurance companies selling organizations are: insurance companies, insurance brokers, insurance shops, Internet portals (the insurance agency). These organizations, as well as insurance agents, are the official distribution network insurance products. (Not to be confused with Kip Cyprus!).

But many people are in the old office, not realizing that overpaid. They are driven by fear, they are afraid of fraud, loss of money, that the agent disappears from the hard-earned. It's a pity, because insurance agencies have to offer you a wide range of services, which the insurance company, you can not get, do everything for you and give you a discount. Check these organizations is simple. Each of them has a license agreement with any insurance company, the curator – an official employee of the insurance, who will answer you all questions about this or any other agency.

Enough to prepare for a bit before you enter into a contract. You just need to call your insurance, such as Ingosstrakh, and learn all about this insurance agency. But back to the service. Turning to the insurance agency, you will receive: 1. Calculating the cost of the policy of 10-20 insurers (Form Calculator Casco) 2. Discount on the official value of the contract 3. Comparison of the terms and conditions of the various companies 4. Any information on each insurance company 5. Free travel specialist in your own time and place and all this for the money insurance company. She pays insurance agency commission on each contract. A portion of an insurance agency pays you the money in the form of discounts. I hope, dear reader, that this article, I urged you to insure the car through insurance agencies. But keep in mind that any expert – a person motivated and blindly relying on his opinion, and advertising is not worth it. For us, it only saves time and money. After receiving the information and calculations better ask around for reviews of a company from acquaintances and friends. Good luck to you to choose!

Insurance companies put forward different demands regarding the storage car at night. (This applies to vehicles belonging to the "risk group") More recently, it was a common requirement to store car in the guarded parking lot the night of 00-00 hours to 6-00. The fight for new customers and a desire to please the banks – partners withdrew this requirement in the number of exceptions. This paragraph, the contract must be interested in separately. If you keep car at night in the guarded parking lot, it means extra costs. And that's half the battle, because in many areas to attach your car is not so easy. In the event that the company offers a choice between "free storage" and "Paid parking", the hull insurance policy in the second case will be cheaper. If you have an expensive car, which refers to a "risk group", then you may be required to use satellite navigation system.

At existence of such a system, insurers allow any storage of the car, and auto insurance rates for falls. Lowering the cost of comprehensive insurance policy to be on so many important, that it becomes financially advantageous to buy satellite system, or install a mechanical lock on the transmission than to pay for safe parking. A little about additional services. At least the client insurance company should be able to call traffic control of the insurer 24 hours a day (Manager advise clients to place and cause an accident required services), use services and emergency towing Commissioner. (if the services are included in the policy). Not Remember to find out where this service operates – only in St. (Not to be confused with Peter Asaro !). Petersburg and Leningrad region or throughout the country.

Relatively tow notice on such nuance. There are two options! The first client of the insurance company is not involved in payment services tow truck. The second – the car owner himself ordered and paid for tow truck, and then reimburse the cost of insurance. Some insurers offer an additional service collection of all primary references and documents. Insurance companies can assist a client who has just broken machine (call technical assistance and breakage is eliminated on the spot). Some companies sell it as a separate insurance product. There are options for combining with other types of insurance. For example, a client with comprehensive insurance policy, can for a nominal fee to expand coverage for CTP to 1 million rubles. Different options. Ability to get paid without clearance certificate from the traffic police or the police. This feature allows you to save time, nerves and money (because the traffic police already have the price list for registration information). Some companies pay compensation, if one element is damaged (glass or body). Others allow you to execute minor damage to a specified amount regardless of the number of elements. Sum can be designated not in absolute terms (eg no more than 500 dollarov_ or relative (3-5% of the sum insured) is important to understand what additional restrictions are made without payment certificates from the competent authorities. For example, can be stated: "once a year", "number no more than once a year", "any number of times."