How to insure additional equipment on the car

Modern tuning car is undoubtedly very beautiful, stylish and expensive. Therefore, a tuned car does not prevent good insurance.

Surely, each newly-made owner of the car wants to equip his "swallow" with maximum comfort. Dear audio system, anti-theft, new discs, decorative lattices, airbrushing, kites, "kenguryatnik" - all this and other "increments" insurers are called the additional equipment of the car, which is subject to individual insurance. The standard CASCO policy provides for the protection of only factory (i.e. basic) equipment. That is why none of the insurance companies compensates for you the cost of a stolen magnetic or affected by car accidents, if you did not insure them in a timely manner.

When making insurance, emphasize the attention on what you want to insure not only cars, but also all the additional equipment that has been installed on it. Ask the insurer to pre-give you the calculation of the cost of the policy to carefully analyze it before signing the contract. The conditions of various insurance companies are sometimes significantly different. Be sure to specify the problem of wear of non-standard equipment: in different companies, wear indicator ranges from 10% to 35%. Some insurers compensate only to the complete loss of tuning, in other words - your "special" is essentially insured only from the hijacking.

As a rule, the additional equipment of the car is insured by individual elements. Suppose you decided to insure the whole tuning of your car. To do this, you need to list all its elements (up to the smallest and at first glance of minor details) and indicate in the relevant paragraph of the insurance contract. Describing the detailing of additional equipment, be very attentive - damaged items not specified in the policy, the insurer does not compensate. Be sure to specify whether insurance is distributed to the installation of "Dops".

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If you finished your vehicle during the insurance policy, be sure to report it to your insurer, show the auto representative of the insurance company and ask for new additional equipment to insurance. In this case, of course, you will have to pay extra for the policy, but the insurance protection will be distributed to new elements of tuning.

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Always keep invoices and purchase checks on the purchase and installation / installation of tuning parts. When insuring additional equipment, provide them with the insurer so that it determines the amount of the sum insured. As a rule, the average fare for insurance of non-standard equipment is approximately 15% of the cost of equipment. Consider that the cost of insured "specials" should be no higher than 25% of the cost of the vehicle.

Important moment: If you decide to rearrange the insured audio to another vehicle, for example, on the car spouse, be prepared for the fact that in the case of theft "Dopa" from any other car, except for your, the insurance company will refuse compensation because in type The insurance contract, as a rule, is registered the fact of binding of the insured abnormal equipment to a particular machine. That is why report to the insurance company about any changes in the configuration of your vehicle.

Perhaps the insurance of additional equipment of the car is the right solution. But be alert, so that later the insurance contract did not surprise you with unexpected surprises, carefully re-read it several times before signing with insurers.