Every day, the insurance product is becoming increasingly popular under the name "Extended CTP". What is it, is it appropriate to purchase this insurance?
1
Surely, each car owner is known that at present, according to the current legislation, the maximum compensation for insurance of the OSAGO - 120 thousand rubles. Unfortunately, no driver is insured against unpleasant incidents on the road. Well, if damages are covered by this amount due to accidents. And if it is not enough? In this case, the difference has to compensate for the culprit of the accident from personal funds. True, there is another alternative option - to acquire a policy of DSoago in advance.
2
The insurance product of DSAGO is a voluntary autocaretry or an extended CTP. The acquisition of such a policy increases the insurance amount on the OSAGO and covers the damage to the affected side over the limit of the mandatory autocarty. It is important to understand that DSAGO is not a replacement of the CTP, but only a supplement. For example, if due to an accident, the expenses of the affected parties are 200,000 rubles, and the OSAGO insurance covers only 120,000 of them, which means the missing 80,000 are compensated by the insurance company, according to the contract of DSAgo. Extended CTP is a voluntary insurance option, so the amount of payment for this policy determines the car owner, although some insurers offer the client fixed insurance amounts.
3
The procedure for designing DSAGO takes a minimum of time. To expand the CTP, you need to present the current policy of the mandatory autocarty, the document on the registration of the car and the data of those persons that are allowed to manage the machine. As a rule, insurers in the expansion of the CTP do not inspect and do not take pictures of the car. By the way, the blank of voluntary autocitance form does not necessarily have to have with him, so you can leave it at home.
4
The cost of voluntary auto-trap in various insurance companies may differ slightly - as a rule, the price range ranges from 0.15% to 0.5% of the amount of the sum insured. Most often, insurers take into account such factors: the age category of the driver and persons admitted to the control of the car, their driver's experience, the category and brand of vehicle, its year of production and engine power, and, of course, the size of the sum insured. By the way, if the drugs of DSAGO and the CTP are drawn up in a single insurance company, then the client is most likely to get a bonus in the form of a good discount.
5
On the feasibility of registration of voluntary autocitres, first of all, you should think about young car owners with small driver's experience. The lack of experience and maneuverability at the novice on the road often become causes of emergency situations. Also, the expanded insurance does not interfere and fans of high-speed and "aggressive" ride, which regularly violate traffic rules. Experienced drivers who do not respember on the road, as a rule, are very rarely becoming perpetrators of large-scale accidents.
6
Recently, insurers are increasingly proposed in addition to the expanded CCOSGO various pleasant bonuses in the form of useful services. For example, it may be the exit of the emergency master (in the event of a minor vehicle breakdown), which will help to deal with the malfunction of the car. Some of the most common services are also considered to collect certificates (the client is exempt from the collection of necessary certificates, walking around the cabinets and other paper rooms) and "free evacuation of a damaged car" (the client saves several thousand rubles for payment for the evacuation of the car).
Undoubtedly, an expanded CTP is a decent insurance product, however, the need for its design is sometimes too exaggerated. In any case, before signing, carefully examine the insurance contract, especially points with small font.
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