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.

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CASCO policy - unexpected results of a survey of car owners

According to a survey of drivers, it became clear that the policy is not popular Casco. Some did not know that so you can insure a car.

Insured or not? Everyone makes their own answer to this question. But unfortunately, not all modern motorists responsible approach to insurance. Therefore, the state has virtually forcing motorists to ensure that the insured car. Like it or not, but many owners of cars constantly reaffirm their indifference to the own vehicle and your financial well-being in the future. What can we say, if up to now, despite the legal ban, motorists trying to acquire CTP policies without going through the mandatory pre-inspection. As for the optional insurance, then there generally dull. As it turned out, the policy Casco still can not gain popularity among car owners, despite the heroic efforts of the state and insurers advertise this type of insurance.

Are you sure that you know?

The national agency that financial research, found out that the policy Casco is not what is not in demand, in fact, some even totally unaware that you can insure the car so. NAFI surveyed. According to the results of this survey, it became clear that only 37% of owners of vehicles purchased Casco policy. That is, the number of responsible motorists does not hold up to fifty percent. But this is not the most surprising. The remaining 63% of respondents do not just consciously did not want to insure the car, some of them, namely 17%, did not suspect the existence of hull insurance policy, do not know why this is necessary, do not know what it is.

NAFI has conducted a survey, not only among motorists, but also questioned those who do not have their own car. Of these, as many as 70% do not know that it is possible to insure a car. But, most of all, this knowledge gap will be filled as soon as these people will have a car.

Popular cry:

By the way, all in accordance with the same studies, those motorists who buy hull insurance policy, hardly complain about the high prices, and are even willing to pay more. For some, the paramount high rating of the insurer, and therefore its reliability. Others are willing to pay more for the image of the insurance company. Well, someone prefers the quality of service, which is shown when you need to settle the damages. All these features can make drivers pay more for a policy Casco. But, of course, so consider a few. There are those who will pay more than what they might not have suggested. These car owners choosing where to insure a car, guided solely on the lowest price of the policy.

Naturally, the respondents could not ignore this issue, as the calculation of the cost of the policy. Almost evenly divided by those who believe that the price should be based primarily on the characteristics of the machine, and those who consider the main parameters of the driver. But the majority still insists that both the first and second equally important.

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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 AUTOCASCO - an unnecessary luxury. But think about it, and suddenly in the damage of your car will not be the culprit with the CTP? Or you are accidentally injure your car? Who can make a complaint? So without AUTOCASCO owner of a good car is clearly not enough. Let's look at what is CASCO insurance.

Etymology of the word dates back to the Spanish CASCO word «Casco», which translated into the Russian language is in the narrow sense, "hull", and more generally - the protection of all. In this article you will find the basic concepts and values ​​that may result from the purchase of the policy AUTOCASCO, and in subsequent articles - the nuances of the insurance product and useful tips.

Full CASCO insurance includes, it seems everyone, including the sudden seizure of Earth alien invaders, and the transgression of your metal swallows in a parallel universe. However, this insurance does not cover those cases where the car owner himself rigged damage, destruction or theft of your vehicle for financial gain at the expense of compensation. If finances do not allow you to fork out for this wonderful policy that guarantees your complete safety in any situation now and ever, there is another option that offers insurance - Hull is not complete and partial. In your contract will stipulate the cases that are considered insurance (this time from aliens have no one to help, yes.) The most logical would be to insure your car against damage and theft as well as natural disasters occur in our world, though often enough, but less frequently than accidents on the roads.

So, the basic concepts in AUTOCASCO:

The sum insured.

This is the maximum amount of money for which you insure your car. The sum insured is usually equal to the market price of your car and can never exceed it. If the sum insured on your policy below the market value of your car, then you may get an insurance payment in proportion underestimated.

The insurance premium.

Despite the ambiguous title, this is not your Agent Award, and the fee for the acquisition of your car insurance.

Deductible.

This is part of the insurance reimbursement, which is deducted from the insurance payment upon the occurrence of an insured event under hull (eg, accidents).

It's sort of a "fine" for the loss caused to the insurance company. But in exchange for this potential "fine", the insurance company makes you a sizeable discount at the time of issuance of the insurance policy AUTOCASCO.

Installment.

We are not always able to pay in one fell swoop impressive price of the policy. Here we come to the aid of installment payment under the policy - to explain its essence is not necessary. But explain the features of the service under the policy CASCO is a deferred payment.

Suppose you bought a hull insurance policy by installments and had to pay only the first installment. Suddenly you have an insured event occurs, and you go to the Insurer from insurance. But you initially offered to pay in advance all of the remaining installment payments. Even if you are entitled to a payment of 10,000, and for car insurance you still need insurance company 45000. So, when purchasing a policy CASCO insurance in installments, consider this fact, and ask him to sign the nuances of the policy.

Terms of insurance compensation.

Often, the form and terms of insurance compensation you choose when signing policy AUTOCASCO in the beginning.

What are my options?

In principle, two: the payment of money under the policy or compensation in the form of repairing your damaged car at the service center.

If you selected the first option, it is a schematic algorithm is as follows: - Monday traffic police - Department of insurance company payments - car damage assessment - transfer of money to the Insured (the Client). If you are covered under option "Repair in Service", then your insurance compensation algorithm is as follows: - Monday traffic police - Department of Insurance payments - the direction in the workshop for repairs - repairs in the workshop.

Another two points of principle in insurance reimbursements for AUTOCASCO: they are made to wear or not wear. If the car insurance with wear, when calculating the amount of damages, the price of the replaced parts of the machine is calculated based on their wear and tear. If the car insurance excluding depreciation, then for each subject after an accident replacement car part you will receive the full value of exactly the same, only completely new part.

Vehicle inspection by AUTOCASCO.

It is important for the client process. Strongly recommend that it not be neglected! Especially if on the odometer value is greater than 50 km.

Insurance company is proof of the fact of the integrity of the inspection machine at the time the contract CASCO with the Insured.

With rare exceptions, inspection of the machine is a specialized service centers, the direction in which it is written out along with the policy. The machine is available in pure form for the employee center careful examination and photographing it from all sides. There may also be photographed with nameplate VIN number, mileage on the odometer, engine compartment and all sets of keys and key fobs of alarms. A number of insurance companies use to explore emergency vehicles commissioners, which can be accessed for inspection at a convenient time and place.

And he and the other version of the inspection should be entirely free to the client. It is important to have time to inspect the car before the emergence of risk situations on the policy AUTOCASCO. Otherwise, you will not be able to prove to the insurance company, that "this dent was not there" at the moment of your insurance policy.

As for the inspection, then it is associated with another important tip.

Inspect the machine as necessary to do and the completion of its repair after injury. It is necessary to pronounce the procedure in advance, coordinate and prescribe the documents to the insurance company.

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CASCO insurance. How to insure?

This article is intended to be a kind of brief manual on comprehensive insurance. It details the actions identified by applying to any car owner, he's insurer will be able to competently and efficiently to insure your car. Often, the lack of knowledge of basic insurance terms or excessive confidence in their insurance agents can make you a victim of accidental or deliberate errors. The errors in the insurance, especially in the CASCO, sometimes are very expensive to insure.

So, here it is - the algorithm of CASCO insurance:

Step 1. Remove about a dozen insurance companies for quotes their risk in them. General criteria for the selection of potential Insurers are:

Rating, reliability and solidity of the company (rating can be found on the Internet, the same consumer opinions about the insurance company determine the reliability of financial records, often posted on the website of the Insurer);

The system of payments: the presence of a specialized department of payments, the schedule of their work, feedback about the service of clients served (on the Internet).

Step 2. Prepare the following information about the car that you want to insure:

Make, model;

Year of manufacture;

Look at the sites the average market price of the same exact car, in such a configuration and a similar condition;

Mileage (in thousands of km);

Auto loan or not, and if so - in which bank credit is taken (at the same time, compare your list of selected insurance companies with a list of accredited by the bank of Insurers);

Trim the car (engine size, body type, engine capacity);

The composition of the drivers (gender, age, driving experience (years));

Is the car under warranty or not;

Was previously CASCO insurance policy on this car, and if so, to what insurance and whether the losses on the hull insurance policy;

Do you plan to pay insurance lump sum or in installments;

Whether the vehicle is kept at night in the street, or under any security protection (paid parking, garage, parking);

Which car is equipped with anti-theft means (the exact name, model);

Keys from the car and the number of signal transmitters;

Are there any existing insurance and public companies (then you can expect a discount on comprehensive insurance with the same company).

Step 3. We prepare photocopies and scans documents in order to align your car and then insure it:

TCP on both sides;

The certificate of registration from the two parties;

The contract of sale vehicle (vehicle) - for a new car;

The loan agreement - for car loan;

Insured's passport (page with photo, a page with a registration and, for VSC page to marital status);

The passport of the owner (if it is not the Insured, as, for example, his wife) - the same page, except for marital status;

General power of attorney to manage and car insurance (if you do not insure its owner);

Driving licenses of all authorized management

Marriage certificate (if any) of all drivers (if you quote a and insure in RCS);

Contracts, certificates and other documents regarding the installation of alarm systems on the car;

Last year's hull insurance policy.

Step 4. On the basis of the information provided and documents, find out the cost of the policy of insurance CASCO insurance companies selected by us. To speed up the process, you can go to an insurance broker who will do it for us. But in this case we do not guarantee the absence of errors in the calculations, procedures, or the design of insurance documents. Because optimally apply directly to the departments in selected CASCO insurance companies like to know the price of the policy, and in order to insure your car.

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