Proper Auto Insurance "Green Card".

Our people are known, the baker does not go by taxi, but it's pretty safe to drive their own cars to Europe. This independent trip, like any other, will require you to not only technically serviceable vehicle and driver's license, but also the presence of the insured liability, preferably a documented. If you are not a smuggler and illegal migrant, then you wherever you went on their four - to cross the border of another state must carry a "green card» (Green Card). In fact, this foreign analogue CTP, that is, the coating system of civil liability in a road accident, when the perpetrator of the accident is a foreigner (in another country, you become a foreigner). The system of "green card" was founded in 1951 and brings together 45 States now - it's the whole of Europe, Israel, Morocco, Tunisia and Iran.

Where to buy "green card"?

"Green" will sell you a policy only in the country where the car is registered. You can buy it in Ekaterinburg, and directly on the Russian side of the border - the difference in cost is no, if the company is an agent of the same. To purchase insurance on the other side of the border is also possible, but it will not be a Green Card, and internal policy of the country you are visiting, like the ones that Russia sells under the CTP on the border of foreigners. But let's say you want to take a stroll in Poland, for example, through Ukraine. And then, without Green Card will be inconvenient and expensive: the need to purchase CTP Ukrainian border, and later in Poland - European Union country - buy domestic policy that you have to replace "green card." Therefore, most campers prefer to buy policies in advance, it's not the fact that the "border" of the branch of the company will be able to sell you a "green card" in the nick of time.

How much does "Green Card" for the car?

Cost of policies "Green Card" depends on the type of vehicle and the length of stay in a foreign country. All vehicles are divided into five main categories, each with its own tariff: cars (A), trucks with gross vehicle weight of over 3.5 tonnes and tractors (C), motorcycles (B), trailers for passenger cars (F1) and trailers for trucks (F2). And there are no amendments to the power of the engine, the experience of the driver or his age (compare with the Russian policy CTP).

15-day insurance (minimum) for a car costs an average of 28 to 35 euros - for all the countries of Green Card. Polis month has already cost 41-65 euros. Part of the price of "green card" is due to the restriction of insurance guarantees on it. However, the limits even "cheap" Green Card policies are sufficient to resolve the majority of accidents. For comparison, we have a limit on the CTP 400 thousand rubles, in France or Belgium, it do not exist, and in Sweden the threshold of liability is 33 million euros (than not "Unlimited"?).

Saves in the short term (two weeks), a green card is like looking for the favorable rate for the purchase of $ 10 - a waste of time and nerves. To think about the economy is only when you take, for example, the annual Green Card - then the price can vary from 280 to 500 euros. In addition, patrons will be able to save on bonuses, which often provide the company.

What to do in an emergency?

The biggest trouble is that helping you in an accident in a foreign country, there is no obligation. Meanwhile, the Russian insurer who sold you the policy - only agent. Information or other assistance to our companies have except that its VIP-clients. For ordinary people the primary problem is the language barrier, as always it may be that in Russian on the site of an accident abroad speak only you and your passengers. Therefore, in the event of an accident should be possible to lock the pieces carefully: Draw a diagram of an accident, take pictures of the scene and the damaged car (even on a mobile phone), to exchange data with other participants in road accidents reported to the Green Card Bureau of the country where the accident occurred. The protocol should specify that the language of the country you are in an accident, is not your mother tongue. If there was a moot point, or caused damage to life or health, you need to call the police. Experts advise all those who are involved in an accident in the European Union, if there were no injuries, accidents execute independently and apply to the nearest police station, do not forget to request your copy of the protocol.

CASCO, it is in Africa Hull

Green Card cover your responsibility to those you have harmed (if the culprit - you), but do not pay all of the costs of repairing your car. To do this, there is another product - Hull. Most modern cars, especially bought on credit, it has. If you go on a trip to his car, is to expand the area of ​​responsibility of your insurance, the risks in a foreign country it covers the maximum. Ironically, while the service also has an exotic character, but it's worth it to learn about it in detail at least have the same insurer that sells you a "green card."