What you need to know when making an insurance policy

Policy OSAGO is a mandatory insurance for car owners. Many do not even think to read the contract before registration, signing it in the blind. This is used by insurance companies and try to deceive their customers to get even more profits.

If the OSAGO policy is issued for the first time, it is better to use the online calculatory on the Internet. It is necessary to take into account the age and experience of drivers who fit into insurance. It is also important where the car owner is prescribed, and the engine power. All insurance companies have the same cost of insurance, but many of them impose additional, which is not mandatory. It will not hurt to know about the discount system: 5% - a discount for those drivers who have already had an OSAA policy and during the year accidents did not happen on their fault; For each subsequent such year - plus 5% to the moment until it reaches 50%.

When insuring a car in another company, discounts persist, the main thing is to take a certificate of troublescence. The same thing happens when another car is insured. It does not even matter - the owner is or simply written by the driver in the insurance policy, the discount is considered by the driver who has the smallest driving experience and age. The price of the policy will double when unlimited insurance is issued. However, in this case, any person is allowed to drove.

It has already been said about the imposition of additional insurance by agents: life insurance, property, desego is voluntary insurance of autocarted responsibility. From this you can refuse. If it does not work, it is necessary to require the bosses, or call the hotline. The execution of the policy is free, also does not pay for the issuance of a duplicate in case of loss.

When applying, it is necessary to collect such documents: insurance policy (with re-registration of insurance), diagnostic card, certificate from the previous insurance company about breakout (in the case of a transition from one company to another), the passport of the car owner, certificate of registration of the car, driver's license certificates that will be insured.

In the case of an accident made by the DPS officers by the fault of one of the drivers, he has all discounts cancel and an increase in the raising coefficient. This could be avoided, but now in most insurance companies a single base.

An important factor when choosing a firm is its location. If, when an insured event occurs, you have to go to another city to estimate losses - this is not always convenient. It is better to find a company that takes losses at the place of residence of the car owner.

When all documents are decorated, you need to carefully re-read the insurance contract and double-check the correctness of data. Upon completion of the design, these documents should be issued: the policy itself, the OSAGO Rules, the payment receipt, the form for notifying the accident. In the case when additional insurance is drawn up, there must be an additional policy and receipts on them.

Owning information, you can avoid additional costs that are not required. It should also be carefully rereading the terms of the contract and, if misunderstanding, everything is not embarrassed, to specify by the insurance agent.