Casco Polis selection is extremely important for each car owner. It is from this document that the decision of all sorts of future problems depends. Of course, by defining the view of the CASCO, it is necessary to take into account the price of the policy, the risks insured and the absence of possible problems with payments. Read more about how to choose the optimal policy, read further.
1
Since the car does not insure from one hijacking, select one of the two remaining options: damage + hijacking, damage. Depending on the hijaciousness of a particular machine, the difference between these two species is calculated.
2
Next, think about what kind of insurance amount you better agree: an aggregate or non-aggregate. When choosing the second option, the amount will not decrease, regardless of the number and volume of previously covered payments for insured events. If you prefer an aggregate amount, then its size will decrease each time the number you have previously received for the insured event.
3
Different companies conclude agreements, taking into account the wear of the car, or not. For example, if your car costs 900 thousand rubles now, after a year and a half its cost will fall 15-20%. In the same way, the insurance coverage is reduced in time. This nuance to some extent reduces the cost of CASCO.
4
There is an opportunity to choose insurance with installment payment at different periods (two payments, four, etc.). Such a service, on the contrary, increases the Casco tariff by 10-15%.
5
It is fundamentally important to determine the type of compensation. In essence, their four, among which you need to choose the most suitable for you:
free repair from the official dealer;
free repair for a hundred towards the company;
payment of cash after assessing the damage (this option significantly increases the cost of CASCO);
payment for accounts for the completed repair (you personally choose a car service, and the insurance company covers checks).
6
Share the definition of the franchise. The term "franchise" is denoted part of the loss that is not coated. If you have chosen the size of a franchise of $ 500, then the payment for the insured event will be less than this fixed amount. As a rule, the presence of a franchise reduces the cost of CASCO by 10-50%.
7
Almost every car is equipped with factory alarm. The insurance policy may cost cheaper if the machine has an additional alarm, since the standard version in some cases is not enough.
Choosing a hull, you need to carefully weighed all moments. Only thinking in advance important aspects, you can get high-quality insurance that satisfies your priorities without unnecessary overpayments.
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