What is AUTOCASCO?
AUTOCASCO - is car insurance in case of accident or theft. Moreover, not many are aware that you can insure not only the car but also motorcycle, bus, construction equipment. Some believe that a policy of compulsory insurance solves all the problems and...
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What doing when are an accident with animals?
If in the overwhelming number of accidents occur involving only machines or vehicles and pedestrians, then on regional roads are frequent accidents with animals and birds. And what do you do when an accident involving animals and whether it is an insurance event for auto insurance?
Accidents with animals - Causes and Consequences
I would like to warn motorists that an accident with animals is not so harmless, and may suffer losses as a wild heroes of the accident on the forest road and the vehicle.
The most likely and most unpleasant meeting for the driver can be met with a deer. First, elk weighs half a ton and has a very impressive size. Second, it is very moving and courageous animal - a noisy freeway it is not too scary. When an accident with a deer is extremely good chance not only damage the car and injure the animal, but there is a real opportunity for a serious injury or even death of the driver and passenger cars.The second most popular falling under the wheels of cars woodsman - is a wild boar, especially in the spring during the mating rut, when the animal becomes alert and is in an excited state.
However, accidents with animals are not just a traffic accident with damage to his car and, possibly, personal injury (especially if the driver and the passengers were not wearing). Shooting down an elk or wild boar, you cause material damage to public property, which are wild animals. And you can get to a large fine. Precedent for such a penalty has already been created in the Lipetsk Municipal Court, where the judge, guided by the law "On Fauna" fined the driver's death brought down elk, by as much as 175,000 rubles (and, in the amount of the fine went damage from loss of future calves, which this 4-year-old female moose could still give birth).
What to do when an accident with animals
The main rule is, of course, prevention and prevention of such accidents on forest roads. Often, special signs with images of animals are warning about the dangers of the sudden appearance of an animal on the road. Seeing them, you should slow down to a minimum and to redouble attention to the road and what's happening on the roadside, where it can jump cute fluffy bunny, and perhaps rush-foot 500-pound moose, if not a herd of wild boars.
But still, what to do when an accident with animals or birds that have already happened? And your actions are as follows:
Stay on the scene and call the traffic police, telling them all the details of the situation.
If the animal is small and does not provide you drag, drag it to the side so that it is not re-shot down the other cars. If the animal is large and is showing signs of aggression, it is better not to touch it and do not even leave the car.
If the animal is killed, do not attempt to take him into a game (either in whole or in part) - it can be likened to poaching - persecuted criminal acts.If the animal - not home (not cattle, not a dog or a cat) - you need to contact the Committee for the Protection of Animals and report the incident, as the animal may need help, treatment, etc.
If the animal - pet, then you need to make an attempt to find his owners or deliver a wounded animal to a veterinary service.What to do in case of accident with the animals in the context of insurance payment
When accidents with animals almost always, in one way or another, suffers a vehicle. Something to keep in mind that accidents with animals not included in the coverage for CTP. Voluntary motor insurance CASCO may provide for payment of insurance compensation for accidents with animals, and may exclude such situations from the definition of insured under the policy of Hull. Therefore, even at the stage of signing the contract CASCO certainly confirm this point. And if you plan to travel at least once out of the city on the regional route, make sure the insurance policy in place of the accident with animals and birds as an insurance case.
However, and in danger from our little abound, as a large dog that gets under your car can do decent damage to the car: bumper, grille, radiator itself, bonnet, headlights, etc.
If such a sad mess with you occurred in the city, you should know what to do when an accident with animals in need the same thing as with accidents with wild animals out of the city. However you want to wish that theoretical knowledge of these actions has not received a reason to put them into practice. Be careful and good luck to you on the road!
Structure of the tariff rate insurance
Tariff on any type of insurance in the most general case consists of two parts:
the so-called net rate (ie, the portion of money that the insurance company actually spends on the payment)
and the load (the money of which she pays taxes, will give zar.platu employees to pay for light, water and equipment repair), in other words, the load - a "non-insurance" cost of doing business.For each type of insurance company claims the individual structure of the tariff rate, usually reflected in a special document of the same name, is signed by one of the most important leaders, stamped and sent to employees in the form of an order, orders, letters.
Next start of difficulty.
Well, let's say a client wants to cancel the contract of insurance. In such a case, the insurance company will not return him to "burden" on the already depleted conclusion / support his contract and all the needs of the business. Let us even assume that the rules of insurance was a literate person, not forgetting to insert the point about keeping "the cost of doing business" to terminate the contract of insurance.The full horror of the fact that the rules of insurance value of the load no one ever says, because every year it can change, what now every time the rules change?
The client can get that "And on what basis do you hold me with an additional percentage?"
What to do in such a case, the insurer? After all, the internal document by naming "The structure of the tariff rate" for the client - not the law, and to make such things on hand are not allowed to ...
A skilled lawyer persuasion, or at least high school honors in law will not catch.
Released in fact only 2, and both, unfortunately, is not in favor of the customer.
The first request in writing an explanation of the reasons for withholding his money unused premiums. But in this situation the insurance company will give it time to produce a legally correct answer, which does not undermine either side.The second option - to sue. But here, the chances of winning the case against the mother of insurance lawyers are not great.
The Council for agents - Inform the client about%, subtract terminate the contract of insurance on the stage of the contract. Because you deserve the trust and customer loyalty, and deliver him from nervous shock in the event of termination of the contract
Who is eligible to get a insurance payout?
Well, let's say you're driving a car that was bought from a relative a long time ago, but did not have time to remake itself documents, because all of your insurances you mean the insurer and the owner of it. But here there was an accident - whether under hull, or CTP, or DSAGO - it does not matter. You go to the payment of the insurance, and it takes you and says that the money can only pay the owner of the vehicle. And how you do not make sure that your machine for a long time - did not help. The fact is that the insurance is valid one rule: the payment is made to the person who has a pecuniary interest in the insured property. Well, that is the owner, whose rights are spelled out in the Civil Code and everywhere.
A policyholder, well insured? Terminate the contract, or make changes to it, you can, well, because you pay policy. A payment of an insurance case - no - it's not legal. However, since we live in Russia, where there are always ways around in all that relates to the laws in our case, too, is not hopeless. There ulovochka - go to a notary to issue general power of attorney (so that it is straight separately prescribes your right to receive payment in lieu of the owner) - and all will be under the law, and brilliantly simple. The same goes for insurance of apartments, houses, boats and mobile phones. And yet, this mechanism is very often used with payments to banks insured credit repair machines - they make a power of attorney to his client, according to her, he gets the money for repairs.
Do you know why so many court cases related to insurance? Because of its essence in a contractual relationship. And in any contract, as you know, responsibility, take 2 sides. And the most interesting, in my opinion, in the court of the insurance practice is to distribute that same responsibility between the parties as beneficial to you. For example, in the rules of insurance, the customer is responsible for the accuracy of the information about the insured property, and then catch the insured to some small lies, to not pay at all, or pay as little as possible.
Or vice versa - to try to prove that the insurer you dezynformiroval, but the truth is more complicated, especially when in the hands of you, you signed a contract of insurance. What can you do. There muhlevschiki who do not sign up, or put facsimile, sometimes having no legal effect, or deliberately make mistakes in the paperwork, so it can be repealed. And, you know, in terms of decent insurer, which erupts over-scrupulousness and corrosiveness client, I still strongly recommend to acquire these qualities: carefully read the papers that you sign, ask questions, remove the shortcomings and mistakes agent. Believe my experience - it is better now than in court.
HOW TO WRITE A NEW DRIVER In the CTP Policy?
To add a new driver in the insurance, you need to come to the office of the insurance company with the policy and driver's license of someone you want to enter. If the new driver:
over 22 years
has 2 years of driving experience,
and has already been introduced in some CTP policy,
the representative of the insurance company for you to fill in an application for modification and will give you a duplicate copy of the policy.
Often, a new driver simply appends to the free line, or on the back side of the old policy and assure change the seal of the insurance company and painted manager. In fact, this is wrong because the legal requirements for insurance procedures do not allow for corrections. But the traffic police for such policies with the corrections and do not fine print. And in the case of an accident is usually no problem, because on the authentication phase of the policy by which the payment should be made, as long as the driver at an accident, was recorded in the number admitted to the management of the TC in the database of the insurance company. For the same reason, it is best to fit into the insurance office of the insurance company, not the agent or intermediary in the showroom - you immediately ENTERED into the computer and properly execute all documents.
If you want to enter into insurance a driver who had just obtained the rights, or the young (under 22 years), the driver, it is likely that you will have to pay under the policy for the increased risk. Co-payment amount is proportional to the number of days remaining until the end of insurance, as well as on the following scale multiplying factors:
If not just seniority - should pay 15%
Only age - 20%
There is no age or length of service - 30%.
In addition, you can still pay to get the discount, which you have given for accident-free driving - because the new driver does not have a right to it, and the cost of CTP policy is determined by the very risky driver.
If you are finished writing his own hand a new driver in your CTP policy, in the case of accidents caused by the driver of the insurance company does not pay. In addition, any policeman can fine you and even delayed for a few days for forgery.
Insurance company - bankrupt
The main thing you need to remember: any insurance company in the bankrupt at one time do not get. And if you insure your life or property, or liability of any insurance office, you should know the signs of an approaching threat (the insolvency of the company). Immediately, we note that these signs are indirect and external, so to speak, for quite unsophisticated "user". So:
Stalking you wish to insure, in which insurance agent (manager) begins to trade and resets the price of insurance - it does not have proof that this insurance - bankrupt in the near future, it is the policy of the office - the money now, at any cost, even dumping.
Delays in payments for car insurance. And it should not be just a bureaucratic delays (not enough of those or other securities), but the real problems with the means. This point can be tracked by detailed reviews on the Internet, where the numbers of the vyplatnyh cases that are ready for settlement. Also in the office of the insurance company before you go to the sales department - go and sit in the department of payments, look, look - will appreciate the service and atmosphere. Many insurance companies - are bankrupt before failure experienced all exacerbated by financial difficulties.
Staff turnover or their endless shuffling. If you are already insured and service their contract, or renewing it for next year - will certainly look at the personnel changes. The endless reshuffles management training at the secondary level - a symptom of some kind of instability that could be associated with the reorganization, or a personal approaching end of the world for the office.
In this regard, strongly recommend that you do not have to insure the insurance agents or brokers, and directly to the office of the insurance company where you will be able to independently and reliably assess the atmosphere of the presence or absence of warning signs, etc. There are cases when insurance companies bankrupt continued implementation of insurance policies even after the suspension of the license, including the channels through agents and brokers. And such a policy - is insignificant and makes absolutely no rights to its owner.
The order of inspection
Summary of the previous series: Northern Capital, January 2012, Office Rosgosstraha. Mishandled reporter's largest Internet information resource of St. Petersburg under the guise of a very simple car owner viciously trying to pass inspection and get the ticket of the new sample. The main condition he called registration and payment of CTP policy with the same company. And then, without any inspection of the machine and CTP policy issue, and pass inspection and take, roughly speaking, the receipt that he - Client is guaranteed to be the very procedure of the order of inspection, in ZAO "inspection" - a statement inspection at Rosgosstraha. Places of passage THAT only two of the entire city (of Rosgosstraha - two).
What happened next, what turned inspection procedure live?
And then it was here that. Correspondent, as a good law-abiding citizen, went to JSC "Inspection" for the passage of the procedure to order inspection has been fully respected.There he found only one (!) Expert with uncomplicated set of specialized instrumentation. Moreover, none of the warm box or stand there was nothing. The expert went outside to measure, then returned for the new device. Overall, this translates into about 30 minutes of time for each car with a very dubious accuracy measurements in the absence of boxing, stand and proper conditions.
As a result, for this one-time expert he could serve a total of 30 people. Of the approximately two hundred wanting stood that day in the queue for the procedure itself, as the order of inspection required.
Recipes for happiness: how to keep order and inspection rights?
Ready recipes yet. The new order of inspection is still shaky ground for all participants. Already "RESO-Guarantee" and "Ingosstrakh" antirosgosstrahovskuyu launched an active campaign in St. Petersburg, and even raised the question of removing the head of RSA Pavel Bunin from his post due to excessive lobbying the only insurance company.
At this time, we, mere car owners can only hope for common sense and powerful people on the laws of the market economy, which, in the aggregate, to debug the proper order inspection of vehicles that would not violate the rights of the people!
Fog lights and motor hull insurance
British insurance company Swiftcover, actively carrying out hull insurance in the UK and Europe, announced the findings of a statistical study of insurance claims for 2011, which surprised motorists, because according to these data, fog lights caused 300,000 accidents in the past year!It was about those accidents on the road that have happened because of momentary glare from the headlights of oncoming cars front foglights, causing him to lose orientation in space and carried on hitting other cars flew off the road. Of course, such a situation occurred in the complete absence of fog, ie when included, fog lights are not only unnecessary but also inappropriate.
Who turns on the headlights, foglights on the case and around the North Albion?
Then, the insurance company Swiftcover held a small sociological survey among its customers who have signed a contract for hull insurance in this insurer, as well as to other motorists of the country. The purpose of the survey was to find out the situations in which motorists include headlights, foglights and what - no. By the way, the law of England banned the use protivotumanok included in visibility over 100m on pain of a fine of 30 pounds-sterling.
Results unpleasantly surprised, because more than 3 million of those polled said that they include the fog-lights exclusively on their own, and not by the order of the law. Young drivers are also introduced to some shock: it turned out that 20% of drivers surveyed to 35 years regularly travel with the included fog lamps, for so their cars look spectacular, and almost none of them have not even thought about the consequences of their actions for other drivers.In large cities (London, for example), more than half of drivers regularly travel with headlights foglights to enhance the effect of the beam, but each of them at least once a year was blinded counter fog lights and narrowly missed because of this accident.
As is the case in our culture use the fog lights?
As is also the case with us? That tell us about the rules of the road fog lamps, and a hull insurance can be connected with it?Our, Russian traffic rules, provided only a description of the use of fog lights, but never mentioned about the ban on their use:
"P. 19.4. Fog can be used:
in conditions of poor visibility alone or with a passing / driving lamp;
in the dark on the non-illuminated roads with passing / driving lamp;
instead of the low beam headlights ...
19.7. The rear fog light can only be used in low visibility conditions. Do not connect the rear fog lights to the brake lights. "
In view of the above, we wish our drivers and the appropriate use metered-fog lights on the roads, in fact, blinding the oncoming driver, you too may suffer from his car lost control. And, of course, do not forget to draw hull insurance on your car! Courtesy and reasonable approach - a guarantee of the order on the road!
Insurance holders in share building
Among the many types of insurance are already familiar apart is the insurance of financial risks in the joint construction of real estate. This insurance service is not to be sniffed at Sharers: who is planning or already involved in any transaction, the equity build apartments.The essence of insurance Fin. risks of real estate investors - a guarantee of return on investment in the share construction money if the interest holders will not receive on time the housing under construction in the property.
The policyholder may only serve the interest holders, that is, the one who put the money under the contract of equity participation (POs). The sum insured (ie the limit of liability of the insurance company) is usually the price of the apartment on the PO. You can hedge their financial risks in the joint construction and a smaller amount, but certainly not a larger one.
Insurance is not only subject to the risks of apartments purchased under agreements equity.Now part of the residential units sold developer for alternative schemes. Organized the construction of housing cooperatives (HBC) and conclude contracts with equity-holders to join the HBC and payment of a contribution (usually share contribution equal to the price the apartment). In some places, still caught preliminary contracts for the sale of apartments, although they are not recognized as legitimate. Also found an investment agreement to raise funds in residential construction.
Financial risks can also be insured and per shareholders and Preliminary buyers and investors, not only at official registered with the Fed Sharers.
However, it should make some reservation. This type of insurance - a rarity in the market. An extremely small number of insurance companies that have it in their repertoire. And of those who have the rules of this type of insurance, just a few use them. And each of these insurers do their reservations and restrictions in this form of insurance. We will make a brief digest of the proposed insurance products in the field of financial risk insurance Sharers.
Two major insurance company for a long time practicing insurance of financial risks in the joint construction of real estate: "Yugoria" and "Spassky Gate."The peculiarity of the insurance product IG "Spassky Gate" is that they take risks as risks for POs that are made pursuant to the Federal Law № 214 "On the equity participation in the construction."
"Yugoria" very cautiously accepts the insurance risks of objects in the low stages of readiness. However, the form of the agreement with the developer of the interest holders for her principal, if not contrary to applicable law.There are several smaller Insurers such as "Capital-polis" and "Capital reserve", also has a similar insurance products.
Regarding the procedure of insurance and insurance risks, they have all the insurance companies about the same. And we will tell about it in the second part of our article on insurance risk in the joint construction.
How to choose the insurer for car insurance
You can get paid for motor insurance in the form of money into your account or personal account.
You can repair your damaged car at the expense of the insurance company in the workshop. There is also invariant: STOA can be at our request at extra charge. fee, or at the option of the insurance, for auto repairs under warranty is offered on dealer without. of payment.Some insurance companies can choose the method of payment of the crash when applying for an insurance case to the department of payments.
Requirements for "protivougonki" from different companies can be quite different, and this is quite an important criterion for selection of the Insurer. Other things being equal, it is hardly expedient to choose an insurance company that forces put on Toit Corolla satellite alarm system for tens of thousands of rubles.Payments without reference. Almost all insurers have the option of providing benefits for one (sometimes two adjacent) damaged body parts without certificates from the authorities. In this situation the car after an accident just presented to the experts of the Insurer to inspect and assess the damage.
Such a concession to the Client for motor insurance is usually no more than once a year and has its own limit on the size of the damage (usually no more than 500 USD).
You also need to pay attention to the payment for broken or lost stekloelementy car (lights, mirrors). In most cases, the insurer agrees to pay for them without a reference from the traffic police or the Ministry of Internal Affairs, but there are restrictions on the amount of such payments for the year of auto insurance.
Predstrahovoy car inspection - a procedure in 99% of the mandatory and inevitable. Exception - for all-new interior of the car, or when extending CASCO policy in the same insurance company, if it was not a Client losses over the past year.
Predstrahovoy examination does or staff member of the Insurer, or (more often) the Insured travels on examination by a specialist in the direction of the insurance company.It also happens that by the Insured arrives emergency commissioner to inspect and photograph the car to activate CASCO policy.It is important to know that no inspection, your insurance is invalid because there is no proof safe insured car at the start of the policy CASCO.
So, do not neglect predstrahovym inspection.
And of the options look more attractive option to the emergency commissioner, who will come at a convenient time and place of the Insured for the procedure.
Location Department of payments and its mode of operation - the principal thing, too, sometimes. For machines with premium in the major insurance companies provide so-called "Remote settlement" for car insurance. When the remote settlement of the car owner can claim on the insurance if the dealer center, which was bought and / or service it. There is also on-site customer can solve all the related problem (and paper pass-adjusted, and the car in for repair for the insurance to pay.)
Inclusion in the hull of the Insured for free emergency commissioner and evacuation in case of accident - also an important factor.
In the note can be included mass indices. For example, some promotions, such as 200 liters of gasoline or a gift certificate for minor technical repairs on the road.
Can be specified mandatory deductible for someone of the drivers (usually for the young and inexperienced).
Can be specified up factor for the installment payment of the insurance premium (insurance fee).
Can be specified deadline alert the insurance company about the accident (there are even versions of "24 hours after an accident, but otherwise - refusal to pay"), etc.
Step 6. With the help of comparative tables and their own feelings of communication with representatives of Underwriters during its filling to choose their future insurance company.
As you can see, the science CASCO requires meticulous and responsible, thoughtful approach. However, much of the same function on the quote of risk and comparative analysis of the results can execute broker, but lately more and more sophisticated already experienced Policyholders preferring to deal with the selection of another insurance company CASCO insurance for his "iron friend."
Property insurance. Residential Real Estate. The insurance contract.
In the previous parts of this great article we told you about the insurance risks and insurance facilities for suburban real estate. And this tells you about the bureaucratic side of the property insurance, what documents you need for property insurance contract. The main principle for a contract of insurance suburban real estate is the presence of an ownership interest of the Insured in respect of conservation of the property insurance. And documentary evidence of such interest of the Insured is the following:
Documents of title to land on which the facility is built insurance.
This may be evidence of the state. registration of ownership or lease of the land. This can be a gardener's book, affirming the right of possession and use of this site.
Legal documentation for the object of insurance. It could also be a certificate of state registration of ownership of the house. It should be noted that this paper is required for presentation, usually at the conclusion of the contract of insurance on large and expensive house. For small cottages enough to attach to a copy of the contract of insurance books gardenerThere are situations when the policyholder has not yet become the full owner of the object of insurance, but it was against his own pecuniary interest. For example, inherited. And he wants to enter into a contract of insurance of this legacy. Then the title documents are documents concerning the parentage of the process (copy of the will, court decisions, etc.).
You may ask why this is necessary and if you can not do without it? Answer - this is a mandatory procedure, and in the provision of these documents should be concerned about is you. The insurance contract can be concluded without presenting any documents on the subject of insurance. But if an insured event occurs, and you will not be able to confirm their interest in the preservation of the object of insurance - guarantees a refusal to pay compensation.
As an example Nevesely that guide insurance companies in such situations, we present the following scenario. The policyholder has concluded an insurance contract on a wooden cottage on the farm. However, legalize the rights to this insurance, he did not have time. The neighbor, who fought for this land, setting fire to his house. The cabin burned down. The insurance company refused to pay, because the owner of the burned property could not provide any paper on the ownership of the right nor the lodge, nor the land.
So, we wish you well-insure his suburban property, and did not experience all the procedures for registration of the insured event!
Insurance broker - where he has a guarantee of quality?
The insurance market of Russia every year delights us with new names of insurance companies and new signs of so-called insurance brokers selling insurance policies of different insurance companies.
Insurance broker - what is it?
Insurance broker - an intermediary between the insurance company and the Client. Kind of like a motor show can sell several brands, as well as the insurance broker can sell policies of several insurance companies. Hard work pays his insurance company in the form of commission from every policy sold.
But if a lot of insurance companies, the insurance brokers even more. How to sort them out, and whether there is any benefit from the sale? For starters know what would be an insurance broker.
Insurance Brokers: The two main types of
An insurance broker is a financial institution, which must be licensed by its activities, ie for insurance. Such real insurance broker should develop and agree with the Treasury all the model contract, which he will sign and with insurance and with clients. His activity is strictly regulated.
Walking into a licensed insurance broker to insure your car, you can be sure that your money will reach the insurance company. And also, what kind of professional errors in the design of the policy will be someone to answer.
You'd be surprised, but throughout Russia slightly more than a hundred of these licensed brokers.
And who are these many thousands of small companies with a sign "Union super brokers" or "Insurance avtobroker" and so on.? Meet - for your insurance agent-jur. face. He is not licensed. He did not agree with someone or their contracts or their activities. He did not report to anyone. He is responsible and to customers, and to insurance companies only its registered capital (often, 10 000!).
Which is best to choose an insurance broker?
The answer is an unequivocal and definitive: licensed insurance broker. Refer to it, and you will receive expert help in choosing an insurance company. You can also be sure of the financial liability of the insurance broker before you, as the Client.
How to distinguish the real from the insurance broker firmochek-by-night?
A licensed insurance broker has two main differences: the right and license to insert into your company's name the phrase "insurance broker". The relevance of the insurance broker license is checked by visiting the website of the outstanding service: Federal Service of Insurance Supervision (FSIS). If your "insurance broker" is not on their list, then he is not a broker, and you have no guarantee of his good faith!
Be vigilant, expensive cars and homeowners! Do not trust your financial well-being untested and illegal entities!
Insurance broker - pick what you need or what you need him?
We have found that not all organizations that call themselves "insurance broker", in fact those are. We also learned the benefits of a licensed insurance broker to the unlicensed. Now let's talk about what the person for us as a customer can be dangerous unlicensed, ie illegal, the insurance broker. And also, why insure your car or apartment safer directly to the insurance company.
Insurance broker: "Where the money?"
The most common disaster that can befall an illegal insurance broker, is the question of money. Namely, the insurance money Clients too often do not reach the ticket office of the insurance company. And unlicensed insurance broker is responsible only for its share capital (as a rule, no more than 10,000 rubles). Moreover, assigning the client's money, the insurance broker does not leave for permanent residence in London - not the scale - and quietly change the sign and opens a new insurance office.
You may ask, what happens to the clients whose money did not reach the insurance company? Them that - you need to re-insure your car? No, of course not. By law, if you are holding a policy with a stamp and a receipt of his payment, you - the full client of the insurance company. Well, almost a full. In any case, to refuse payment on the insurance case you do not have rights. Though, to be honest, to pay for such a policy will have to be overcome. However, if you need to cancel this insurance (sold your car, for example), then the remainder of the premium you can not see.
Insurance broker: "Yes normal insurance - giving tooth!"
For example, suppose your insurance broker is illegal, but not criminal. And your money for insurance neat passes to the insurance company. But there is another serious risk.
You are targeting a broker opinion, choosing which insurance company to insure their property and cars. And insurance broker focused on the amount of interest on your insurance, which is his only source of income. And so, what the insurance company will give more interest to the policy, and that is in his eyes - the best.
That is, one phrase: insurance broker, first of all, take care of their financial interests and not be liable to you real responsibility for their advice and recommendations.
Insurance broker: "insure sophisticated risk - legkotnya!"
Another snag for the insurance broker may be a need to insure complex risks. Mortgage insurance, voluntary medical insurance, financial risks Sharers - leading insurance broker to a screeching halt. There is a lack of competent staff - cute girl trained to prescribe only CTP. There is a lack of information and documentation from the insurance companies - Customer forced to wait weeks for a "matching" and "necessary forms."
Question: why do this to you? When you come to the office of the insurance company and then insure all desired exactly half an hour of his time.
Insurance broker: Is the same absolute evil?
Licensed Insurance Broker - certainly has some benefit customers. For example, you need to enter in the CTP of the new driver, and go to the office of the insurance company laziness. You can contact your local insurance broker, and they can help you.
However, if you need to insure anything serious CTP, we urge you to contact the professionals responsible for their words and deeds - the insurance company.
Who needs to read the rules of insurance? (part 2)
Oral presentation and interpretation of the text of the Rules of the insurance agent insurance has no legal force. You will not be able to make even then a recorded voice to the claim, if you have to fight with the insurance company for payment. All the same, the priority will be for the Insurance Regulations as per legal document signed by both parties to the contract. The insurance agent should provide answers to customers' questions as accurate and unambiguous wording - and that the wording of the same Rules of insurance. That is, Ideally, in an absurd insurance agent will read us the same security rules, literally and items.
An insurance agent is interested in us as a Customer - ie the source of their income. So, we have no assurance that its interpretation of the Insurance Regulations will be impartial and will not fall out of it essential for us moments later. That is, there are no guarantees that the insurance agent is objective and is responsible for the mistake in explaining the essence of the Rules of insurance.
Question. What, then, us-Insured Clients do? Who can be trusted?
Well, first of all, can you believe my eyes and ears, and still spend time and attention to the awareness of the contents of the Rules of insurance. Some of us are more receptive to information on hearing, and for such clients, many insurance companies have set rules on insurance phonorecords.
Secondly, you need to charge shtudirovanie and interpretation of the Rules of insurance - disinterested professional - independent legal service that the contract for the provision of services to the Client shall be liable for legal advice and give a written opinion on the content of Insurance Regulations (including provisions in their disadvantageous for client).Of course, the assistance of a lawyer is worth the money. But it's much less money than the premium paid in vain under the policy, whether or not the indemnity due to our lack of knowledge of the requirements of the Rules of insurance.
In the West, it is generally normal - to give the Insurance Rules for legal review before signing insurance contracts. Let's hope that Russia will learn and apply carefully to their resources and prevent possible loss of money!
Who needs to read the rules of insurance?
Insurance Rules - waste paper or an important legal document?
When we come to insure we get 'tied' to the insurance policy hefty stack of paper with the text entitled "Insurance Regulations." Do not rush to send this pack in your stove in the country, as insurance regulations - a full legal document and a full part of the contract of insurance.
Insurance rules say that is an insured event, and that - no, make that the Customer upon the occurrence of insured events, what are the rights and responsibilities of what, and for what is in the insurance company. Insurance rules each insurance company has its own for each type of insurance, and they are not just composed by the Insurer, and yet, without fail, tested and approved in the Insurance Supervision Act (a special supervisory Insurance Department under the Ministry of Finance). So for the insurance company and the Client Insurance Regulations - a key and a binding legal document.
But how to understand them, do not miss, especially, with regard to our future well-being? How not to miss the "pitfalls" in the text, which can serve as a reason for denying insurance payment?
Of course, ideally, you need to take insurance insurance terms and sit at their shtudirovanie. But it will require a lot of time, attention and, most importantly, expertise! Not all have such resources. So you need someone's help.
First of all we will call for help, of course, our insurance agent. Of course, the insurance agent - a professional and has all the insurance terms, moreover, it is as interested in us as a client, and should provide us with the maximum service. However, there are a number of "NO".
"I want a brand!" About CASCO consumers who want only "branded" insurance company
Even in this case, I think the cost of insurance for all companies. It happened that I did it to convince the customer a substantial saving money by offering good and reliable company, but not the brand, here's the catch. Next: the customer to insure getting a policy on hand, saving money, like all happy. But that's talked to friends (also brand advocates), members of the family, I thought to myself - anxiety begins: "Oh, well, saved money, but that's not the brand". Ask how I know that? It is simply a customer calls and wants me to be safe - to return to the policy of the company, exchanging it with a surcharge on the brand, can not sleep. I asked: "And what you do not like this company? She's a good, reliable, with high levels of financial stability." Answer: "Yes, I do not know, just the brand is known for, is not coming from the screen.
Heavy heart somehow." As you can see, the answer is no logical justification. This is the result of human exposure to advertising resource, I will, and here's why - I do not know the name of the known. A similar example: put in the store two are exactly the same on the TV and one write "Samsung" and the other "Sony". Since the majority of buyers even knowing that they are the same, all the same will subconsciously seek to "Sony". That's the influence of the brand.
So I can advise policyholders to study all the proposals. If you have questions, they can also ask the agent: "What kind of company? And what pays? How long on the market?" Well, and others. For example, there is a good company in the market with a large share of German capital (joint German-Russian), I will not say (I can not answer personal conversation / correspondence), so many troubling her a little-known, agree to insure there because of the cost savings. Either because the agent was able to convince and to defend their point of view. There are many companies with quality insurance is not worse than the brand, but for less money because they do not have to pay for the huge cost of the promotion (creating sustainable brand). The choice is always up to you, to me is to wish you make the most appropriate choice for insurance as well as the purchase of any other product.
"I want a brand!" About CASCO consumers who want only "branded" insurance company
From my experience I can cite many examples of these client requests.
Most of them were like, "To the company has been known ..." "Something from those that" hearing "..." - Well, MMM at the time and was well-known and "at the hearing," it's just easier to depositors is gone.
The question arises immediately: what will you personally known company? Being "on the ear"? Reputation and brand recognition is the result of its intensive promotion, especially through the media. In addition, many are sponsoring various cultural actions, such as football matches. Calculation of thin: the majority of men is football fans, therefore, all the posters and logos are put aside in memory. On a subconscious level all the logos (beer, motor oil, gasoline stations, cigarettes, insurance, equipment, etc.), presented at the event will be considered a priori the best.
Well, it does not detract from the quality of their way, but the price affects the most direct way: active advertising in the media and cultural actions require huge costs, in addition, the number of applicants for space and airtime is truly huge, so there is payment for the allocation of broadcasting time and the provision of advertising space for cultural actions in preference to others willing, colloquially referred to as an offering, and also has a clear legal title, explicitly prescribed in the codes. And that's just the amount of additional costs. As you can imagine, any commercial enterprise (including an insurance company) established for the purpose of generating income (profit), so all of these additional costs above fully passed on to consumers. It is expressed in the value of the tariff rate for insurance, which puts the company (I think they may be called because of fame, even far from the insurance people) in the category of luxury and well-known.
Further aggressive slogans created stable association with quality. So we got a "brand." For the same as the insurance you pay a premium for a name for fame and thus pay for marketing expenses, which are returned to the fold.
Through the power of the audience liked the logo and slogan (works on its creation and marketing team of highly paid speechwriters) from clients sometimes hear the same thing: "I just want to (Specific famous insurance company, do not give the names)! Other proposals do not see!"
How to avoid fraud in insurance (CASCO CTP)?
For many relevant insurance at such a time, how to avoid becoming a victim of fraud. Most of the "competent" staff advised to call the insurance company and the policy number to find out whether such a policy is issued by this company. A positive response is considered a formal offer authenticity policy. But to CASCO insurance policy in force, must be timely receipt of the insurance company the following items: 1) Self-copy of the insurance policy, and 2) Carbonless receipts, and 3) an act of self-copying inspection of the vehicle, and 4) pictures of the vehicle, 5) photographs or copies of client documents (passport of the insured, the Title, registration certificate, driver's licenses of all eligible persons to control), and 6) and, of course, CASH. (!)
Therefore, checking for policy number will not give you anything. Although, as a rule, all forms of policies are issued a receipt and a copy of the passport, or staff members. This significantly reduces the number of people willing to cash in such unflattering way (as the saying goes, "you want to afford"). It refers to the fact that, after diligent design of the policy and related documents will not get the money to the insurance company, and are contrary to the laws and moral norms arbitrarily assigned an unscrupulous agent. If we look at the legal side of the issue, the existence of the policy you have the original receipt and allows to claim from the insurance company (which in turn as a powerful organization will find a way to collect money from the organization that issued the policy or with the agent. Either write off a loss, if fraud was No agent or agent only, but also the organization).
CASCO required for the following procedures: 1) fotoosmotr TC, 2) filling the policy and act examination of data from the documents of the insured. The exception here is only one - the insurance of the vehicle, checking out of the showroom. Inspection does not take place, it is replaced by a copy of the act of transfer and acceptance of the vehicle. The documents on this moment there are only TCP, passport and law.
How can you avoid this? You can, of course, give the old advice: the doctor, the priest (confessor, receiving confession) and an insurance agent should be any one. But now made their adjustments in respect of an insurance agent. In practice, this is reflected in the fact that someone leaves the sphere of insurance, something someone else and so on. In other words, the few who have a permanent insurance agent.
As you know, "miser pays twice", and even three times. Therefore it is not necessary to pursue the proposals with a very much lower price, especially expensive insurance companies like "Ingosstrakh", "Alfa Insurance": it is possible to prescribe any sort of understated premium and then not deliver the policy.
Agent should choose on the recommendation of friends and acquaintances. In the conversation the agent is focused on your needs for insurance (although novices tend to count all the proposals and to offer you the cheapest). The question itself is not a party prices never go round, but I have experience allows offhand determine which insurance company more profitable to insure a particular car, combined with the experience of drivers. In principle, the answer to this is over. If there is interest in more private matters or to a particular situation, write a personal message with an email address will receive a detailed response.
How to save on CTP reasonable way? And how not to "save"?
CTP policy must be in possession as required by law. In addition, it ensures that the insurance company reimburses the victim damages you, if any, will occur. Consequently, the need to buy liability insurance policy tool.
As you know, every thing has its price, and in CTP policy is established by the Government of the Russian Federation. How is it possible and how not to save on the insurance policy?
You can: the policy cost the sum of the base tariff rates, the regional factor, the coefficient of age and seniority, power factor and short-term insurance, term insurance if less than one year (six months, three months, etc.). These coefficients are fixed, numerical maneuvering they are not exposed. It remains to bonus-malus coefficient that takes into account your trouble-free experience. For each accident-free year you are entitled to a discount of 5%. The maximum possible discount at the moment (from July 1, 2010) is 35% with 7 or more years of accident-free record. It seems to be linearly simple: look seniority rights, he saw there experience the value of 7 years and immediately made a maximum discount of 35%. In fact, the vast majority of insurance agents and brokers and does, ie offers discounts on the basis of seniority on a driver's license. Leaders of insurance brokers and agents, in principle, and teaches its employees. The reason for this is the large number of brokers and agencies, among them a lot of competition when the lure is possible only at the expense of the customer, because the insurance product is identical. Client few people wondered if he had emergency cases due to his fault, how much to pay for a previous insurance (as it is possible to make a discount of 5%), is generally complete the transaction on the nominal length of service.
How can this be bad? First, trouble-free experience must be documented. It can confirm the previous CTP policy. Nominal length of service and may be more than 10 years, but here is a man for the first time bought a car and wanted to buy liability insurance policy tool. Most agents and brokers immediately give him a discount of 35%. But CTP policy is purchased for the first time! Discount given for accident-free driving, not the nominal length of service for a driver's license! If the person did not drive a car before, then where did he get trouble-free experience? Thus, the insurer creates an understatement of the insurance premium. Polis insurance company will miss from time to time, ie before the first insurance case your fault. Here, the insured risk, that at this point the insurance company and find underreporting premiums, which could very likely result in a denial of the insurance claim. In other words, paid for the damage will be done to you out of your pocket.
How can the insurance company finds an understatement insurance premium? When the agent fills in your insurance policy and a receipt, complete them is a statement about the insurance of the vehicle. The idea is that the document must be filled with you. So, in this document fits into the number of your previous CTP policy, the number of insurance claims for the year, and on this basis, given the class of the insured. Quite often, this document is filled in the office for the client (so it does not take the time).
This fruit is not only fierce competition, an argument which is the price. Many customers have written offers callers employees of insurance brokers and insurance agents and choose from all the proposals with the lowest price. Convince this client is already very difficult: he had already heard a proposal for a lower price and "pay" does not want to. In addition, the agents-beginners do not even know that the offer is invalid document: they were taught, to put customers on a stream, and then what will come out - minor matters.
In this situation it is not necessary to provoke the agent to provide the maximum discount: most agents will provide it without even knowing that you can not do that. It is necessary to explain the agent about the presence or absence of insurance claims, and as a guide to name the price of previous policy, which can get a discount of 5%. Believe me, this is not the product where necessary to save "save" 500-1000 rubles, you run the risk of his own pocket to pay for the damage done to you. Do you need such "savings"? The choice is yours.
How to reduce the cost of hull insurance without sacrificing coverage?
Most of the car owners are interested in the hull for your car. As they say, more peace of mind. I will say briefly that ensures hull damages (repair), and the payment of the sum insured in case of theft of the vehicle.
Offers various companies differ greatly in value. The cost of insurance for a specific vehicle with a specific driver depends on several parameters: 1) an insurance policy against the insurance company of the car (risk factors), 2) pricing policy (in turn depends on many factors and market strategy), and 3) the age and driving experience, and 4) the history of the automobile owner insurance, 5) the sum insured, and 6) and service program content insurance.
If you are only going to buy a car, you can choose from the least risky cars. These include all the French cars, Volvo, Saab, Infiniti, Nissan. French cars have the lowest risk weights.
If you have the previous policy CASCO no insurance cases, the savings you can make an insurance claim with the maximum discounts for loss-free transition (eg, Concord, Moscow insurance company).
If the losses were nevertheless, here it is necessary to consider all the companies and choose the best possible offer. As a rule, all companies can calculate insurance brokers. Here it is desirable to write proposals, comparing the cost and content insurance. There will also be appropriate to ask the broker about the reliability of a company. The fact that there is a little-known companies in the insurance market, but that does not stop them from being reliable.
Above we have, figuratively speaking "truths" of insurance. Then you can see the following: many insurers associated with the reliability of fame and popularity of the insurance company (brand), choosing the most well-known companies whose advertising has been on the media. Well, as the client does not lose. As for the cost ... To achieve this notorious fame, the insurance company invests heavily in promoting its name, creating from it a powerful brand. This is a business expense and laid in the cost under Articles costing, in other words, falls squarely on the shoulders (or more precisely, to the purse) clients. Would you like to significantly overpay for a big name, and done through advertising in the media reputation, you decide, but the savings here we are not seeing. As you lose.
You can save these intelligent ways: 1) choose a reliable insurance company does not promote itself through the vast amount of advertising with aggressive slogans. Each slogan created by a team of highly paid marketers and ultimately paid by the customer. In addition, the high costs are made for profits, which, again, lies in the cost of insurance. 2) select a company, take into account the transition from break-even to another company if you uneventful fare year. 3) Choose a company that offers the most optimum rate it on your car, combined with the age and experience of the persons admitted to management. This is achieved by having counted the cost of insurance in all reliable companies.
In addition to the above methods you can determine for itself the content of insurance: whether you need an emergency commissioner, collecting certificates from the competent authorities, and so on. Next, choose the best option for you, which you can find an insurance agent / broker.
All the above methods are reasonable ways to save on the hull for the car.
What are my non-optimal economies of Hull?
The most common - is to record the lowest cost of insurance and taking advantage of high competition in the insurance market, to put forward the demand for insurance, severely limiting the price: "I want to meet the specific amount!". Typically, in order to please the customer, the agent should have options of insurance designed to offer only those that match the specified amount. On the reliability and reputation of the insurance company it does not go here. Avoid this temptation can only experienced a decent agent.
Second-degree distribution - is the acquisition of a specific policy of the insurance company at a low price: it threatens or minimum content coverage at best, or simply the policy will not be handed over to the insurance company with the money, and your copy will be just a meaningless piece of paper with the logo the insurance company.
The third way - lower sum insured. For damages in an accident you will get insurance money, but in the case of theft of the vehicle you will receive only the amount that is spelled out in the policy. Rather, in this case, you will not be able to buy her a new car.
Basically, it's all the typical mistakes, except for the acquisition of the policy from dubious individuals without inspection of the car, without documents, with very low cost, etc.
The changes entered into force in auto insurance
From February 5 to take effect changes in motor liability insurance and motor vehicle owners to third parties.
About them at the press conference told the lawyer, a partner at the law firm «EXANTE» Julia Szeged and Head of Corporate Security Insurance Company "Garant-Auto" Constantine lonely.
Julia Szeged said: "From February 5 to take effect and there are further changes to the law on compulsory insurance of civil liability of owners and drivers of motor vehicles. These changes are not only motorists and insurers, but for all citizens who are just walking around the streets or in public transport move as passengers, and, unfortunately, sometimes get into an accident. And these changes are just the most important to the people who have been injured in an accident.
The most important thing - setting minimum required rate of insurance payments to victims. Moreover, the policy of so-called "Motor" introduced the concept of minimum mandatory compensation for moral damages to the victims. Prior to this moral hazard insurance companies do not reimburse.
But it is important to understand that all of these mandatory minimum payments apply only to contracts concluded on February 5 and later.
The minimum required rate of insurance payments are as follows:
1. The treatment of victims of road accidents - 1/30 of the minimum wage in the day, but not more than 120 days of treatment, which now stands at 4,407.60 hryvnia.
2. Upon receipt of disability group I - 36 times the minimum wage or 39672 hryvnia.
3. Upon receipt of the disability group II - 18 times the minimum wage or 19836 hryvnia.
4. Upon receipt of the disability group III - 12 times the minimum wage or 13224 hryvnia.
5. In case of road accident victims become disabled child - 18 times the minimum wage or 19836 hryvnia.
6. In case of death of the victim in the accident - 36 times the minimum wage or more and 39672 hryvnia hryvnia 13224 compensation to the relatives for burial of the deceased in the accident.
Not all of the costs of hospital care can be documented. But now legally set minimum payments that are guaranteed to get the injured person.
If an accident without the affected people, the drivers, in accordance with a 2011 changes can make yourself an accident. If there are victims, traffic police called mandatory.
If the amount of damage to the victim or his car exceeds the minimum amount of insurance payments, the insurance company is financially responsible under specified in the policy of the sum insured, and all that is not enough for full compensation, the aggrieved party may recover from the guilty party to court if documents confirming the amount of damage.
Compensation for moral damage, according to the innovations are paid by the insurance company without fail at a rate of 5% of the fixed amount of damage to property. If the accident has died, his family paid 13,224 hryvnia moral damages. "
Constantine Lonely added: "The package of documents for the insurance payment includes: a statement of the insured event, a copy of driver's license, passport, taxpayer code, a copy of the court decision, which clearly defined fault of our client, or lack thereof, and details of the victim, if the guilt in court proof of where you want to make an insurance payment.
Insurance payment must be made within 15 days after the establishment of the final amount of material damage. But it is important to understand that a significant acceleration of the timing of payment will not occur. Court of accident usually occurs in Dnepropetrovsk, a month after the actual accident. Determining the amount of the damage caused by our client can only start after the SC copy of the court, not before. That is, ideally, the payment can be made within 31 to 45 days after the fact of the accident.
In real life, as experience shows, because the client usually does not immediately bring any documents or his car and the car of the injured party is in another city, or the client does not immediately figure out where to transfer the money to the victim or the victim starts to challenge the amount of the insurance payments for property damage, that is to say, all this may take up to 90 days from the date of determining the amount of the insurance payment.
Also, it is important for drivers to understand that since February 5, insurers need to 5 times to increase payments to the Fund to guarantee insurance payments, and the cost insurers increase significantly. This means that the rate of liability insurance also will rise. I think that at least a third. "
Objects of auto insurance.
The insurer itself tells you the price, or rather the size of the premium that you have to pay for the facility of auto insurance. In the case of the Russian Federation in paragraph 1 of article 954 of the Civil Code under the insurance premium is to be understood a fee for car insurance, you should definitely pay vygodoobretatel in certain lines that are negotiated in the contract of motor insurance.
Also in the contract of auto insurance can be appointed (provided) introduction to car insurance premiums in installments (as spelled out in paragraph 3 of Article 954 of the Civil Code). In the contract of automobile insurance mandatory item are the consequences of non-payment (late payment) the amount of the contribution specified above in the above lines. The Russian Federation has taken a rule that most insurance companies offer payment for the insurance of the insured object, as installments for a certain period of time. Terms of payment from their insurance companies each, mostly they look like: the amount of the first payment should always be at least 50% of the total fee stipulated in the contract, the second make in three months after the first.
In drawing up the insurance premium, which is paid by the insurance object auto insurance, insurers, so-called insurance rates. These insurance rates are set and comply with the law "On mandatory insurance of civil liability of vehicle owners." Tariffs, which are set for CTP policy, guided by the Government of the Russian Federation and are the same for all insurance companies in the country. These prices are differentiable and can depend on many different factors. Discounts for members CTP insurance policy may be granted only if the person Fear to auto insurance, went over the line just a system of compulsory liability insurance of vehicle owners. All other discount policy against the law of the Russian Federation.
In contrast to the mandatory car insurance, hull insurance premium is considered a function of the sum insured, the insurance period, and of course the basic fee for the insurance and the factors that increase the amount of down payment. E size of the so-called impact factor: the order of payment of the insurance premium, the order of the insurance payments and other factors that determine the risk of road accidents, driving experience, the term of operation of transport, availability of protection against theft, the term of payment calculation. From this comes up is that the calculation of the amount contributed to the hull is specific to each vehicle driver, insuring your vehicle. Is worth mentioning that the value of the contribution hull can greatly vary in different insurance companies, we strongly recommend that you contact several insurance companies and find the best for you.
But for insurance CASCO policy often seem good discount. In the case of financial problems, you can count on the franchise. Under the franchise means the amount of loss that is not reimbursed insurers, it is divided into conditional and unconditional. In conditional franchise, set a certain amount of damage - the maximum value of the franchise. If losses exceed the maximum value, the damage is fully reimbursed, and if the losses were smaller part of the insurance company does not reimburse. For example, if a subject insure a particular object of insurance, agreed to a conditional franchise in 3000 rubles, and the damage in the accident amounted to 10,000 rubles, and insurers will pay 10,000 rubles. And if the damage was only 2,000 rubles, the insurance compensation, the company will not be paid. As a result of damage to the vehicle, the damages paid by the motorist, their finances. If you use an unconditional deductible losses to the maximum value will not be refunded under any circumstances, even when the maximum value of the franchise is subtracted from the amount of the payment. If the insurer has agreed to an unconditional franchise, the franchise in 3000 rubles, and the loss of 10,000 rubles accident insurer will pay only 10000 - 3000 = 7000 rubles. And all this will reduce the cost of the policy.
Also good for the decline in value of the policy parameter of an accident in the previous year. If you have driven the previous year, safely, without accident, then the extension of the policy and can provide a substantial discount.
A little advice: The more people entered in the insurance policy, the more expensive it will stand for you.
Not unimportant role at CASCO, playing experience, age and experience of driving the car owner.
We hope the information provided in this project was to have useful and informative.
Full Casco - confidence in every detail
Full Casco - a type of insurance which guarantees the payment of compensation after the damage to the vehicle while driving or parking a result of:
collision;
collision;
capsizing;
heavy objects to fall;
natural disasters;
fires;
the fall;
explosion.
Especially important is the fact that the full Casco compensate damages caused by vandal acts of third parties, in particular, embezzlement and theft. According to statistics, new-car owners seek primarily to insure your vehicle is theft.
This species comprehensive insurance provides plenty of enjoyable, and most importantly - useful bonuses. Casco without limitation, as a rule, involves the provision of related services, and in particular, evacuation of the vehicle from the place of the accident, leaving the emergency commissioner at an accident, the organization of a cab ride to the driver's home, had an accident. This type of insurance Casco may include service on leasing a vehicle for a period of repair your own car.
Partial Casco - selection of the principal
The second group can be called a partial comprehensive insurance - car insurance when certain cases that resulted in damage. This type of comprehensive insurance is cheaper than comprehensive insurance without restrictions, but it covers only selected insurance cases. The most frequently selected types of incomplete hull insurance is insurance against:
theft (theft)
damage.
It is important to know that under the damage refers to the complete destruction of, or damage to the vehicle, its basic parts as a result of vandal acts of third parties, accident, fire, or explosion (including those caused by the malfunction of the vehicle's electrical system), natural disasters, falling ice, snow and other foreign objects. Also, the partial hull insurance compensation shall be paid in the event that during the movement of the vehicle due to foreign matters were broken windows or lighting devices.
It is important to note that only a limited number of companies offer a minimum purchase comprehensive insurance, which guarantees payment of the theft and on it there are a number of reasons. Most companies offer either option purchase comprehensive insurance without restrictions or a comprehensive insurance "damage". When calculating the cost of comprehensive insurance policy, depreciation of the vehicle plays an important role. Also, when choosing a program, specify, whether implied hull insurance payments or aggregate nonaggregate.
Casco aggregate and nonaggregate
As the hull open and minimal hull can ceteris paribus vary by type of insurance payments on aggregate and nonaggregate. In this case, by means of the aggregate cash compensation at the rate which the insurance company pays compensation in the total number of insurance claims for the period for which the policy is designed hull. Thus, for each subsequent occurrence of the insured event during the contract the amount of compensation will be reduced according to the amount paid previously. It is therefore considered that the design hull open this option is not the best, rather it is more suitable for the hull of "damage".
When selecting nonaggregate sum insured, it will be paid regardless of how many times you have applied to the insurance company, and its value will remain unchanged. Choosing the aggregate amount of insurance, for example, by having to pay higher premiums for comprehensive insurance on depreciation, allows you to save.
Gocompare.com - British financial company of auto insurance.
LONDON, UNITED KINGDOM - (Marketwire - March 1, 2013) - Go Compare held on to his lead in the Google Advertising listings for car insurance, although the share of Google's search engine visibility for car insurance in Paid Media, an increase compared to the previous quarter, and rival comparison sites, it is also increased their share of voice, features the latest research from leading independent digital marketing agency, Greenlight.
Agency Insurance Sector - Issue 16 ', reveals the most popular search terms consumers used when they searched online for home insurance, travel and cars in January. League tables outline the most visible sites in natural search and paid media for insurance in general and sub-sectors.According to Greenlight, there were a total of 1.1 million searches for insurance-related products down to 1.8 million in October.
Searches related to car insurance were the most popular and accounted for 64% (754,151) of all insurance-related searches.
"Car Insurance" search was asked 368,000 times, accounting for 31% of all searches.
Competition in the space insurance car hots as the battle of the comparison sites to be the most prominent, on-lineGreenlight car insurance league table ranking the twenty most prominent advertisers in Paid Media, the leading shows the comparison sites aggressively fought to grow their share of the vote in January. Were victims too.
Google, which launched its car insurance comparison service just five months ago, was the fourth most visible advertiser, achieving 89% share of voice more than 75% in the previous quarter, when he was sitting in eighth place.
However, the search giant was not alone in this regard. Insurance aggregator Go Compare, which reportedly could be up for grabs and could potentially be snapped up by one of the other competitors, including Google, held on to his lead in the pay media, achieving 95% share of visibility, compared to 93% in October.
Moneysupermarket, which in the previous quarter is included in eleventh place, increased its share in the voice of Paid Media dramatically - from 58% to 91%. This put him firmly in second place, behind Go Compare.
Compare the market followed in third place, its share in increasing the visibility of from 81% in October to 90% in January.These moves come at the expense of a number of leading players such as insurance for wheels Sheila. In October, it was the second most visible car insurance advertiser in Paid Media, achieving 91% share of visibility. In January, however, it dropped eighteen places.
Some might suggest that the entry into Google, the car insurance comparison in the UK was one of the reasons for this flurry of activity. However, the EU gender ruling which came into force at the end of December 2012, may, in particular, have played a role. It required providers to make changes in the price of car insurance policy and the introduction of gender-neutral rate.
As consumers will now probably be less inclined to automatic renewal and instead go for online search for the best deals, distribution - comparison sites in particular, is very likely to be vying for visibility. Being seen in different directions, the Internet is critical to winning their clicks. Gocompare.com provides a comparison service for car, home and pet insurance and breakdown cover. It also provides services to compare travel insurance, gas and electricity, broadband, loans, credit cards, mortgages and other financial products through preferred providers such as Energylinx and Experian.
August 14, 2012, the company launched the "Covered MAG", an online magazine that claims to be "unlike any other financial publication you will ever read."
In September 2007, the company recognized that, in one case, the illegal violation of privacy took place in connection with the adoption on the data provided to customers. He said it was the result of a breach of contract subcontractor performance Direct, and said that he would immediately take steps to prevent it in the future.
The company won the 'to watch' category of the rapidly growing Business Awards 2008, the judges complemented the management team for the "extremely well executed business with a clear USP and a strong brand. In September 2009 she reached the Investors in People award. The company's founder, Hayley Parsons, was the winner of the "Women in Business" award at the South Wales Chamber of Commerce Business Awards 2009. She also won the Western Mail, "Woman in the Welsh Innovation Award" in 2008, and the category "Business Leader" in Wales Inspire 2010.The Awards awards, which are organized by the Institute of Welsh.
Affairs, to recognize the role played by Welsh residents in promoting active citizenship and to promote their communities at the local, regional, national and global scale. In January 2012, Parsons was awarded the OBE for services to the economy
Technical inspection 2013 - registrer and pass is easy
Among the obvious problems for car owners in 2012, such as the rising price of gasoline for transportation taxes on insurance policy on learning to drive, and there are penalties for pleasant moments. The procedure of inspection of cars became affordable and easy and no longer a problem.
In the recent past, the one who came for inspection, hoping to pass it on the same day had to spend 5 hours of personal time. It is true you can enroll over the phone and after 2-3 weeks of PTO drive up to the appointed time. But not everyone can wait when it's scheduled time. After all, if the coupon expires, driver fined.
Today, in order to pass inspection, has not exactly need to wait in line. Not only because of that that was the point vehicle inspection and a half times larger, and because the car owner chooses for himself comfortable in a place item THAT. And since most of them provide an opportunity for appointment procedure, the driver has no choice, how to choose for themselves and a good time himself. Using the Internet and our service can not only set a time for the inspection of your car in advance, but also to choose the right company to buy the insurance policy. Pass inspection it became much easier.
Save time by combining both procedures, it is easy to enroll and pass inspection in the New 2013 will help you to our points of technical reference resource and accessible information about their services and service
The Government of summer changes in maintenance work.
The August change in the law on inspections and on CTP today embodied in the Government Decree. Premera Minister D. A. Medvedev said in part: "Today, the agenda has a draft Government resolution, which provides for changes in the rules of the technical inspection of vehicles. These are two changes that they concern, of course, a huge number of motorists. First - authorized dealers will be entitled to carry out inspection of cars those brands whose service they perform, that is, no need to check the car twice - first at the dealer, and then in paragraph inspection. And the second - pass inspection must be replaced with the vehicle diagnostic cards, which will be described in detail the actual condition of the vehicle by all of its key parameters.
As far as I understand the meaning of the proposals that are made today and which we consider to carry a map in the car diagnostic is not necessary, that it does not become a regular piece of paper, the lack of which would entail penalties for motorists. It is only necessary when CTP policy design, and the presence of the latter and must be proof that the inspection is passed. All data should fall into an electronic database, which will be available for auto insurers. Hopefully, it will create the basis for a more civilized and transparent car market in this country and, of course, Last but not least, save money and time motorists'
News of the inspection which are silent
