When making Casco, each owner of the car faces the concept of "franchise". What does this mysterious word mean - "freezing" cheese in a mousetrap or a really advantageous offer?
1
Casco franchise is the size of the amount of money, which in the event of an insurance event, the owner of the vehicle pays independently. The franchise itself, as well as its size (this is either a clear fixed figure in a monetary equivalent, or the percentage of the price of the insured car) is negotiated between the client and the representative of the insurance company preliminarily before designing the insurance policy.
2
There are two versions of the casco franchise - conditional and unconditional. The essence of the conditioned franchise is: in the event of an insurance event, the insurance company will fully compensate for all expenses if they exceed the amount of the conditional franchise amount registered in the contract. Expenditures within the franchise completely pays the car owner. For example: the size of the conditioned franchise is $ 300, the losses in the amount of $ 299 will fall on the shoulders to the client, but the loss in the amount of $ 301 has already paid insurance.
3
Currently, the unconditional franchise is most often choosing. Its essence is as follows: when the insured event occurs, the car owner independently pays for all expenses within the amount of the franchise amount prescribed in the contract. In case the spending exceed its size, insurance compensate for the client the difference. For example: the size of the unconditional franchise is $ 400, the losses in the amount of $ 399 will have to pay the owner of the insured car, in the case of losses in the amount of $ 470, insurance is paid $ 70.
4
Determining the size of the franchise at the design of the CASCO, really evaluate how much the insurance event you can cover yourself. An important nuance: Specify a service station, what could be the cost of eliminating possible damage to the car. Suppose you have determined the size of a franchise in $ 250, and the cost of the most primitive repair work on the service was assessed in a large amount. It goes without saying that the execution of an agreement with such a franchise is inappropriate.
5
The unconditional franchise significantly reduces the cost of the policy. As a rule, the more its size, the cheaper the CASCO. Such a franchise is justified if you consider yourself a neat and experienced driver, practically do not fall into unpleasant stories on the road and leave your car or in the garage under a reliable lock, or on a paid protected parking lot.
6
In the case when the amount of discounts for the decoration of the franchise is large enough and exceeds the size of the franchise itself, you can also think about the feasibility of registration of the unconditional franchise. Another argument in favor of the franchise is a decent time saving and getting rid of paper rolls due to a small chip or scratch, for which insurance at best compensate for no more than a few thousand rubles.
7
For used franchise cars, CASCO is most often mandatory (about 10%). In some cases (if persons who have undergone 25 years have been admitted to the auto control of the car, or those who are less than 3 years old) franchise is obligatory and at the design of the CASCO for a new vehicle.
8
If the car for you is a convenient means of movement, and small defects of the chip type are not particularly upset (or if you are able to pay for small repair yourself), it means that the optimal size of the unconditional franchise for you is about 1-2% of the cost of the insured car. The larger franchise (from 5%) is recommended to those who want to protect their car from the hijacking or serious damage due to an accident.
And finally: if you go carefully, thanks to the franchise, save a significant amount of money and time.
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