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...
Tesco Bank car Insurance
These refinancing options are healthy and balanced for people who are homeless in the homeowners are also ideal for investments in debt consolidation loans consumer. Below is visible courtroom America Chapter 13 can help overworked people, giving them a fresh start financially.
The biggest insurance company in the world
On the other hand, the economic crisis means one comes a growing number of insurance claims and insurance companies have to compensate the many losses. Let's see how big insurance companies have been able to successfully overcome the crisis, proving their stability.
Methods of payment for CASCO
Calculation of damages in Hull is the expert opinion of automotive appraiser's number and nature of damage to the machine and the cost of repair...
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
Showing posts with label Proper car insurance. Show all posts
Showing posts with label Proper car insurance. Show all posts
6/19/2013
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.
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!
"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 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. "
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
News of the inspection which are silent
With detailed answers to specific questions car owners regarding the reform of inspection and the new requirements of this procedure:
- I heard that pass inspection canceled, so now CTP policy can be issued for a reason?
No. Today, the insurance company to complete the CTP, instead of the coupon, you must submit a diagnostic chart with the signature of a technical expert, printing operator inspection and dvadtsatiznachnym code of a common information base inspection. (Federal Law № 130-FZ)
This dokumet issued only on actual operating points inspection.
- What do insurers with this diagnostic card?
Her dvadtsatiznachny room, along with other information about the car owners. the insurer shall record in the citizen's application to enter into an agreement for CTP. St15 procedure of compulsory insure.
FZ-№ 40 "On CTP .." - 2002.
- Has the validity of diagnostic cards?
No. Validity they have the same what was in coupons. http://www.gkto.ru/articles/7/
- I lost a diagnostic card, issued in the two goda.Mozhno whether to restore it to issue the policy or CTP to pass inspection
Yes mozhno.Dlya restore the lost card, duplicate it t.e.oformleniya Contact an inspection point, paying for a duplicate of one tenth of the value of your past protsedury.Svedeniya checkup operators is retained for 3 years, and in the Federal Information database in electronic form, it kept for 5 years.
- If you pass inspection canceled, do I need to replace my current card for diagnostic chart?
Not nuzhno.Talon inspection is not canceled, but simply stopped issuing from August 2012. Issued to motorists that number pass inspection are considered valid until August 1, 2015. Paragraph 8 of Article 5 of the Federal Law № 130-FZ of 28.07.2012
- I bought the car inspection she acts more god.Nuzhno do I renew my name on the ticket.
No. Under current law, pass and diagnostic chart attached to the car, not the owner.
Therefore, selling the car to another person, vehicle inspection it remains valid. Paragraph 5 of Article 19 of the Federal Law number 170.
- Do I need to carry a pass inspection or diagnostic chart?
Ordinary car owners do not have to. These documents must be in possession of the taxi drivers, buses and vehicles for the transport of dangerous goods. http://www.gkto.ru/blog/55
- Does the right to request the traffic police inspector show your ticket or diagnostic chart?
Net.V Administrative Code amended, according to which the absence of the coupon or diagnostic cards can be punished only taxi drivers, buses and vehicles carrying dangerous gruz.Znachit of conventional drivers do not have the right to demand.
- I'm going tomorrow to issue CTP, the validity of the diagnostic card will expire in a month, now it is necessary to pass inspection?
Net.Polozhenie the need for six-month term of the pass inspection (diagnostic card) for a contract CTP canceled, they shall be valid only on the date of signing the contract.
- I designed the CTP, and the duration of the inspection ends in two months if you can not pass inspection until next year before the registration of the new policy?
No. Because paragraph 5 of Article 15.Periodichnost the technical inspection of the Federal Law number 170 states that the owner of the vehicle is obliged to submit it for service during the term of the diagnostic card. So you have to pass inspection before the expiry of the diagnostic card or certificate.
And the insurance company has the right to show your recourse to harm the physical person in the amount produced by the insurer to pay, if at the time of the insured event has expired diagnostic card, referred to in paragraph 8 of Article 14 right of recourse against the insurer. Federal Law № 40, 2002
- Six months ago I bought insurance, and pass inspection period has expired now. Successfully passed the MOT and diagnostic kartu.Nado got to report it to the insurance agent?
Da.Tak as the former pass inspection room, among other information about you and your car was included in the application for a contract of compulsory insurance, but now you need to inform the insurer of its new diagnostic card number so that it has made changes to the insurance policy and automated information Insurance System (AEIN), according to claim 8 to 9 Article 15 The procedure of compulsory insurance. Federal Law number 40
-In the insurance company issued the policy, and there was a diagnostic card. How to check if it is valid?
At existing and accredited inspection points that have access to the database UAIS WHAT can check through the section - a duplicate. Ask a 21-digit card number and information about the presence or lack there of information about your car. Since not every operator is willing to waste time, it is better initially be inspected on a real vet.
Car inspection and video recording
The reform failed inspection. What to do now?
Just a few months after the introduction of a new order of inspection in our country, the majority of honest leaders of items that start to sound the alarm. It turned out that the market for the inspection showed up a lot of dishonest dealers who, by entering into an agreement with insurers to offer drivers to pass inspection without a car. Simply put - buy it. Interestingly, the cost of such a "service" was approximately the size of a bribe, which was taken before the traffic police for the same. As a result of the professional point is that began to suffer losses, and Russia began to slowly but surely increase the number of accidents that occurred due to a malfunction of the vehicle. It is now obvious that the new law is necessary to make changes that will control the actual passage of maintenance for each machine.
Video recording of help.
Among the possible innovations that should reduce the amount of purchased diagnostic card, the introduction of video fixing cars while passing the inspection. It is assumed that the pictures taken at the point they will be true to prove that the car really was examined. Representatives of the traffic police are willing to go further and suggested the use of video cameras, not only during the passage of that, but on the road, where their help with special stickers placed on the windshield of cars, it will read information about the time and place of passage that particular machine. However, in this case, it is not clear why it was necessary to cancel the stamps?
Directors themselves
Initially it was assumed that control the activities of the operators of items you will be Association of Motor. However, it is obvious that he can not cope with this work, why experts suggest delegate this function to the competent authorities or the state, or the unions, who will be able to weed out unscrupulous businessmen.
Or maybe just cancel?
Some experts believe - inspection in the form in which it exists now, does not need one. You have to understand that this procedure is not only needed in order to get insurance or any other piece of paper. Technical inspection is designed for the early detection of faults car. And if it is undertaken by organizations, all of the equipment which consists of a desk, a chair and a computer, then the meaning of this procedure deprives the drivers so much time and nerves, is simply lost.
Not so it is terrible as his fear CTP (part 2)
7. Validity
CTP policies are a maximum of one year (and usually do), but there may be policies and for shorter periods, minimum - 15 days. For shorter terms are used correction factors, that is, they will cost a bit more expensive than a year (based on a reasonable time, of course). In the polis always write the date of expiration of the policy on the day before the date of issue, it is because the last day is inclusive.
8. Money in cash or agent?
Formally, the calculation of the insurance company is non-cash, that is, the insurance agent must issue payment system with which the client has to go to the bank to pay, and then another time to meet with an agent, and give him a receipt in exchange for policy. In life, everything is easier, the agent has to take the necessary amount of cash, and self-pay it in the bank. It's safe, there's no reason not to trust the agent in this matter - the agent is a receipt is needed much more than you, he shall attach it to the report.
9. What you need to process?
Here is a list of documents that will be required for registration CTP policy:
The passport of the insured (there is a subtle difference between the insured and the insurer. If you insure - you are covered - you are insured. And whoever you are insured - the agent, and thus insurance company - is the insurer). Your passport, to put it simply. In general, it is optional to order more.
Identification code
The right of all persons to be entered in the policy (much to the third type)
Tech. passport of the vehicle if it is not the second type of policy (where one driver is insured for any number of cars)
10. What you need to get a result?
Result purchase CTP policy is itself a policy that is written in a special two-layer form - yellow top sheet should you stay, the lower white sheet with a copy - the agent for reporting. In addition, you should also stay for fixing ticket on the windshield. It must be written by a number of the policy, and in the policy also often write pass number. In addition, a good insurance company will give you a sticker on the glass to pass or cheholchik-daddy for the policy, or anything else in the same spirit.
11. And yet, how much?
As you know, there are a lot of factors that affect the price, but to give some guidance, CTP first-or third-type passenger car in Kiev will cost about 350-450 hryvnia, if it is a powerful machine with an engine capacity of 3.2 liters - 700-800 hryvnia. The contract of the second type, of course, does not depend on the city (as the car is not fixed in the contract), and will cost about 700-900 hryvnia.
Of course, the magical world of CTP does not end there - there are aspects such as insurance buses and trucks, motorcycles and trailers. In addition, there is a difference, whether the insured person or legal entity (I described everything to Person, of course). And even - special conditions for nerizedentov Ukraine. However, I am sure, after reading this post normal average driver will be able to understand and choose the right insurance for themselves (mostly - type). Well, I can only remind you that we are continuing to develop a portal for an objective comparison of the financial services maanimo.com where trying to help ordinary people to make tough financial decisions - for example, how to choose a deposit, know the conditions on loans (although now it is extremely difficult - to get a loan ), figure out the price of individual safe deposit boxes, or just know the dynamics of exchange rates and currency exchange (and we are really informative.)
Not so it is terrible as his fear CTP
As known to all, or nearly all domestic motorists in Ukraine, there is a mandatory car insurance, which is called CTP, but in fact the law formulates it as "compulsory insurance of civil liability," that is compulsory civil liability. But, as often happens, people get accustomed to a more friendly names, so most people call this insurance, "automobile liability insurance" or "avtotsivilkoy." While working on our portal compare financial services Maanimo.com I had to become a real insurance agent and sell several insurance CTP to thoroughly look into this product. And I am pleased to share some of the nuances of mandatory car insurance.
So, it is necessary to know the normal inexperienced driver mandatory car insurance?
1. Price subject.
So, how much it costs to have insurance CTP, and, more interestingly, how much is it does not have. But the details of the pricing of insurance I'll discuss shortly, and that's about what risks the driver who does not have mandatory car insurance - say it now. Resolution No. 1061-5 for our home happy found that the lack of driver's policy of compulsory motor insurance entails a fine of 25-50 non-taxable minimum. Earlier amount of the fine was 0.5-1 non-taxable minimum. Thus, the driver will be fined from 425 to 850 hryvnia. I wonder why the article implies a substantial "fork" in fine, no other actual amount of the fine will depend on the severity of the offense - for example, immediately confessed to the driver, or pretended CTP he still is. Looking ahead to say that it is about twice the cost of an average policy.
2. What makes CTP?
This is an important question, not everyone knows the answer. The most important thing: your CTP policy does not protect you and your car and property, life and health of those who suffer in an accident, if convicted of her recognize you. And it shall be compensated:
damage to life and health of the victims of the road accident which is the driver of the insured in the amount of 51 000 hryvnia per victim.
damage to the property of the victims of road accidents in the amount of 25 500 hryvnia per victim, but not more than five times the limit of liability for one claim. The phrase "no more than five times the limit of liability" means that if an accident were five victims, all of them receive appropriate coverage. If you will be affected more than five, five times the coverage will go some way to share all the victims (one for life, health, property separately).
Please note that damage coverage is a maximum of 25 500 hryvnia. It's not really that big of a cover, and if the damage (assessed, for example, at the official station, and confirmed by an expert) will be more, you will have to cover the difference. By the way, in this case you can buy additional insurance for voluntary liability insurance, but this does not preclude the need to purchase and binding "avtotsivilki."
3. To whom does the policy?
There are three types of CTP policy:
The first type is that this policy extends its effect on all the drivers that control a vehicle specified in the policy. That is, the policy fixes the car and allows the management of any driver that has a legitimate reason to manage it (according to the current SDA). By the way, I remind you that the current management of traffic rules by proxy is no longer a legitimate reason, you need a temporary pass.
the second type of policy works for one driver specified in the policy, regardless (almost) of the vehicle, which it will manage. Almost - because that type of vehicle is fixed in the policy. Driving experience will be taken into account, and can significantly reduce the cost.
the third type of policy fixes a car, and drivers who, respectively, will be to drive this car under the protection of this policy. Drivers there may be up to five inclusive. Advantage of this option is that the experience will be considered drivers (the more experience - the cheaper the policy). Fly in the ointment: it will be considered the minimum length of these drivers. If there is at least one driver with little experience is likely to be easier to make the first type of policy, and not worry about the driver's permission at all.
4. City
There is a difference in the costs of the policy according to the city car registration. There are 5 price zones. The most expensive area - Kiev, then go to Dnepropetrovsk, Odessa and Kharkiv, the third zone includes the Donetsk, Zaporozhye, Lvov, Krivoy Rog and Nikolaev, in the fourth zone are the cities with a population of 100 000 to 500 000, and in the fifth zone includes all other (ie, cities and towns that are home to 100,000 people). The difference in price between the first and fifth zone - a good three times.
5. Engine
The larger engine size of your car - the more expensive the policy will cost. The difference between 1.5 liters and 3 liters would be about half.
6. Franchise
In contrast to the hull, then the franchise is quite simple: they are either zero or is 510 hryvnia. Moreover, the zero is not available in the first zone, ie in the city of Kiev. For those who do not know what the franchise: it's such a sum, which is always the case in the insurance will pay the insured, and all that is in excess - the insurance company. The presence of a franchise, of course, affects the price - a non-zero deductible policy making cheaper (about 20-30 hryvnia).
What doing with automobile liability insurance policy when selling a car?
What to do with automobile liability insurance policy when selling a car?
The Law of Ukraine "On mandatory insurance of civil - liability of vehicle owners" indicates the reasons for which may be terminated by automobile liability insurance policy (Article 18, 19).
Party Liability (along with a sticker), on which no payments are provided to the insurance company. Filled application for cancellation of the policy, the insurer shall pay the balance of the insurance payment.
Consider an example. We sell a car, automobile liability insurance policy cost - 777.60 UAH. per year (365 days). Policy purchased by 08.03.2011. Dissolve - 27.07.2011. Motor Third operated 142 days.
Balance is:
777.60 * (365 -142) / 365 = 475.08 USD.
In this case, the insurance company according to Article 18, paragraph 2 of the Law of Ukraine "On mandatory insurance of civil - liability of vehicle owners" holds standard cost of doing business 20%.
475.08 * 0.2 = 95.02 USD.
The Customer shall pay
475,08-95,02 = 380.06 USD.
To leave the company 20% to buy a new car and make credit balance of $ 475.08 USD. to the new policy. At the same time pay the difference between the residual value and the new automobile liability insurance.
Also, do not agree to buy the old owner, along with his car autocitizen as the sale of auto insurance policy is converted to a regular piece of paper. The responsibility of the new owner is not insured on it, and the old owner did not get the rest of payment.
After removing the car from the account when driving at the time the policy number remains in effect with regard to the insured vehicle. Automobile liability insurance policy expires at the conclusion of the contract - the sale.
ARKAN Mbox system saves the cost of car insurance
The product line of "Arkan" was replenished unique telematics system ARKAN Mbox. New product designed primarily for drivers with little experience of driving, as well as for those who do not exploit their car for a year and has a low annual mileage. ARKAN Mbox system allows car owners to obtain such economic benefits for insurance.
Traditionally, the amount of hull is about 8-12% of the value of the car. If you install security ARKAN Mbox insurance company "Ingosstrakh" in the framework of "young driver" and "Ecologizer" provides a significant discount on the risk of "damage."
ARKAN Mbox - this is not only a guarantee of favorable tariff under hull, but the protective complex with a wide range of service and functionality. ARKAN Mbox provides the coordinates of the vehicle by means of satellite navigation systems GLONASS / GPS and transmits the information to the federal monitoring center "Arkan". This allows you to provide additional protection to the vehicle owner in any emergency situation, such as when you try to hijack or robbery on the car. Upon receipt of an alarm monitoring center operator Federal "Arkan" associated with the owner and makes remote engine block. At the same time, the emergency information is duplicated responders who carry out immediate departure to the scene.
The system ARKAN Mbox implemented another feature - the restoration of 3D - picture of what happened in the case of an accident. Accelerometer, which is part of the telematics system measures the acceleration of the vehicle on three axes with a resolution of 10 milliseconds, which allows to reconstruct the details of the incident and assess the nature of the accident.
Installing ARKAN Mbox produced by highly qualified specialists, has no effect on full-time vehicle systems and does not violate the terms of its warranty.
Frequently asked questions about car insurance
1. Is there a discount for buying just two CTP policies on different cars?
No. All discounts on insurance CTP are within the law. This kind of discounts are not provided.
2. Reduced if the sum insured for the payment of mandatory car insurance claims?
No. The sum insured for CTP undiminished, that is, the next time the insurance case, you can count on the full sum insured.
3. Is it possible to break the payments under the policy of mandatory car insurance is similar to Hull 3-4 stage?
No. Installment payment of insurance CTP is not allowed. You can issue the policy is no less than a year, period, and then the cost of the policy will be less.
4. Does the value of the car at the cost of CTP policy?
No. In the calculation of the cost of CTP policy factors are: depending on the territory of the pre-emptive use of engine power in HP, age and length of service of drivers admitted to management (or unlimited), the period of vehicle use.
5. Is it enough to carry a copy of the CTP policy?
No. Traffic police you must present the original policy, which is regulated by the rules of the road.
6. What laws regulate insurance business in Russia?
The Civil Code of the Russian Federation, Part 2, Chapter 48, Law on Insurance in the Russian Federation (Federal Law of 27.11.92 as amended on 31.12.97)
7. Does the cost of CASCO policy year car?
Yes. The older the car, the higher the tariff on auto damage and theft insurance for less.
8. If the hull insurance policy fits a few drivers whose age and length of service will be taken for the calculation of tariffs?
When calculating the length of the driver will be taken with the least experience, and take into account the age of the youngest driver.
9. Can I insure a car on AUTOCASCO, HC, DSAGO to register at the traffic police?
Yes, you can insure the car before putting on record, the risk of "hijacking" will come into force from the date of registration of the vehicle.
10. Can I insure a car separately on the risk "theft"?
No, unfortunately apart from stealing almost no fear. Typically, in return offered to insure the car against theft and damage with a large deductible for damage to save on risk "Damage".
11. What problems can arise when insuring a car with right-hand drive?
Many insurance companies do not accept insurance right-hand vehicles because of possible problems with their repairs. The same companies that take on the right-hand drive car insurance is usually offset by the damage calculation only. Rates are the same for these vehicles is much higher than similar cars, but with left-side driving.
12. How is the cost of insuring a car?
For the new car - it's the cost to the contract of sale on the basis of the written out a statement-bills or other proof of its value. For b / y car is taken as the basis of the average market value of the vehicle in the appropriate configuration, or the cost of a new car minus depreciation depreciation based on the age of the car. Depending on the insurance company vehicle depreciation for the first year of operation is between 10 and 20% for each year from 10 to 15%
13. What is nonaggregate (bezagregatnaya) the sum insured for car insurance?
This means that the limit of liability of the insurer will be fully operational per claim, does not change or decreases because of previous payments.
14. Can I insure a car on AUTOCASCO not the whole year?
Yes, you can. You only have to take into account that the cost of the policy, such as six months will be approximately 70% of annual, if you are not willing to pay the full cost of the policy, but potentially willing to insure a car for a year, would be advantageous to arrange the annual policy with installment payments.
What is auto-examination?
Many car owners have heard of auto-examination, but not all wondered what it is and why it is needed in Select. Let's see what the auto-examination, in which case it is needed and how it's performed.
Auto-examination - is the process of determining the amount of damage to the car, injured in an accident or due to any other reasons, because the damage to the car can get not only a consequence of the accident. To make it clear in which cases your car can cause damage, then give some examples. For example, the drunken hooligans can throw you a bottle of beer right on the windshield and break it, or people jealous of black envy you and your new Mercedes, can hammer a nail, "weave" in the roof of the car. Yes, such cases are taking place, and we give them from personal experience.
In the event that the damage caused to the vehicle is not in consequence of an accident, but for reasons of third parties, the auto-examination - is a necessary procedure for the owner of the affected vehicles. If the bully or vandal is caught, then in order to recover from him the amount of the damage, you will need to go to court, and the judge to know (a) the amount of damage to property - requires auto-examination (evaluation car). Also, the auto-examination is necessary in the event that you are involved in an accident and not its originator, ie in the event that the damage of your car insurance company will reimburse, in which the perpetrator has insured its liability (CTP).
In the case of the hull - the same thing. Let's say your car is insured for hull insurance, in case of an accident in which you are not the culprit, you can not receive money from the insurance CTP culprit, but simply seek redress to their insurance company. And there are times when the amount of the damage is more 120.000 thousand. In this case, if you have the hull, it is better to contact your insurance company. They will pay you the full amount of the order and the regress will be picked up 120,000 thousand with the insurance culprit, and the remaining amount (which may be greater than 120,000), will take away from the perpetrator in court.
In all three cases - auto-examination is needed! Everyone always need to know the amount of damage as an insurance company (which, by the way, is always interested in the minimum amount to be paid) and the court. If you need to auto-examination, then make sure that that it was an independent appraiser and performed with a lot of experience in this field.
Now let's talk about what should be done to evaluate the car.
To start, you need to call your assessor conducting Avtoekspertiza and get away from it all necessary advice. For reference, let's say that a change in the law on compulsory motor TPL influenced the way that we should not wait for the 5 day period for auto-examination, now auto-examination can be carried out on the day of the accident. After the consultation, you will need to come to the office of an independent evaluation and auto-examination and sign a contract for the provision of services for the evaluation of the car. At this stage, will also have to determine the location for the inspection of the car (if the car is not transportable, it is necessary to appoint a departure avtoekspert), set the time and date of the inspection of the affected vehicle, as well as fill in and send a telegram which will be invited to inspect the car to those who participated in an accident and the insurance company. If the participant does not reside accidents in your area, you need to send a telegram to 6 days prior to the auto-examination, and if your then 3 days before the evaluation vehicle.
On the day of auto-examination, the appraiser will make the act of inspection of the car, which will record all non-hidden damage (to inspect for hidden damage, it is necessary to appoint an additional inspection of the service station) and take pictures of all vehicle damage. State. Vin number and code - required photographs. Inspection certificate signed by all interested parties. Those who do not agree with something, can write about it in the inspection report. Avtoekspert also sign the certificate of inspection. When all the signatures delivered, avtoekspert starts the main stage of the auto-examination. The calculation of the amount of damage caused. This stage Avtoekspertiza, the appraiser uses special software that allows you to determine the amount of damage and reconditioning of the vehicle.
Once the amount of damage is determined, avtoekspert prepare a special report that puts all the necessary materials and information, and sends it to you. Auto-examination - a complex science, which a lot of nuances, but we think that the picture of you and I have clarified a bit.
To whom and why needs an independent auto-examination?
In modern Russia, there are expert bureau, which by order of the owner of the vehicle can carry different kinds of expertise. The range of persons who may one day need such a service is very broad. Most often seek advice from independent experts in the period between the two time points: after getting into an accident and before trial. Often in litigation, both civil and criminal, require the presence of an independent expert. This can happen for various reasons. For example, if you are charged with a traffic accident that you did not commit. Or the decision of traffic police, in your opinion, unreasonably and you decide to challenge him. Or opinion of an expert auto-technician considers erroneous. In all these cases, you need an independent examination.
There are, unfortunately, in our country and the corruption and the use of so-called "connections." God forbid you get in an accident with a VIP! Even if the person will be carried at a rate of 200 km / h on the wrong side, or that person's offspring will be drunk and underage - you will be very difficult trial. Here it is as if it was not necessary to prove his innocence in that the second accident participant made a race in the oncoming lane! On whose side in this case is the police? Omit the answer to this question.
Suffice it to say that such cases are not uncommon, and often the victim has to resort to various kinds of examinations that justice still prevailed. Conclusive evidence of the transport trasologii, examination of technical condition of vehicles, as well as the expertise of the circumstances and the mechanism of the accident can not ignore even the most biased court.
Establishing the facts is often necessary and in disputes with insurance companies. We are so arranged that the business - to try as much as possible with the client and take as little as possible to pay him, if an accident occurs. Independent advice from the highest degree of accuracy sets out the circumstances and the mechanism of an accident, and in this case will help you get justice and compensation for damages. Finally, there are also cases where the examination is required before purchasing a car. If you have any doubts about the seller - you can order the examination of markings of the vehicle. There were times when the person selling the car stolen from him a few months ago - under the new number signs on the engine and body! Often to order from Europe carry the stolen car there. Very often cases replenish the secondary market vehicles with engines "criminal" past.
If you do not want to buy a car with such a "surprise", you should use independent examination that will determine - whether the numbers killed in the vehicle, and if so, what are the license plates were on the engine and body before he met with a file or abrasive fraud.
What to pay attention when you get car insurance?
There was a set of methods and programs of car insurance. As compulsory insurance (CTP), and a lot of volunteer programs. Since both mandatory and voluntary insurance thing is not free, is to talk about how to do so, that would put up money to work one hundred percent.
The easiest way to reduce the cost of insurance is to pay attention to such clauses as:
1. Traffic accident.
2. Carjacking.
3. The fire, vehicle fire.
4. Natural disaster.
5. The influence of foreign bodies in the car.
6. Illegal actions of individuals against the car.
Some companies have a practice of risk selection from this list, that is, Sami skombiniruete you the necessary items. Due to this, the amount of the insurance premium will decrease its price. Although none of the cases of accident or theft should not give up - the most common insurance claims.
Your main focus should be on the terms of the insurance contract such as:
Amount of the premium - the maximum amount of money that the insurer agrees to pay in case of contact with the vehicle in an accident. The amount should be equivalent to the initial cost of the car. At this point, the contract is necessary to pay attention to the fact that the sum was indeed equivalent to the cost of a car, otherwise you will have to pay extra in case of an accident your money in addition to the insurance for the repairs. If an accident occurs more than once during the duration of the insurance contract it is important to see whether there is a limit in the contract payments. That is, in the event of an accident you will pay a fraction of the total insurance fund, which can exhaust themselves. Perhaps the conclusion of the contract with the fund without the Limit, you must correctly calculate the forces and to determine what contract you need.
Franchise - the minimum payments. That is, with minor injuries (the size specified in the contract) the amount is not paid. Be sure to pay attention to the size of the franchise for all its insurance claims. The higher the deductible, the lower the cost of insurance contract. There is no point in setting a franchise 1 - 5% since the contract is not much cheaper, for making the franchise to 0, you can all of its costs to the car to shift to the insurance company.
Depreciation cars - reducing the cost of the car due to aging and wear. The Company may pay interest or the real value of the car or on a reduced depreciation expense. It is natural that the beneficial owner of the car would be considered a new car, just you do not have to delve into the system by which the insurance company charges for amortization. In some companies car price falls in one year by 20%, which of course is not true, if you have driving experience.
And most importantly do not hesitate to find out the insurance company, how the price is formed on the insurance contract - this information is open. The more questions you ask the insurance contract, the less you ask them in the event of damage to the car.
Compensation for injury to the CTP - What You Should Know or where to go
With the entry into force of the 2003 law on compulsory motor TPL insurance, car owners were able to solve the problems of civilized restitution of damages as a result of an accident. But it is worth noting that as long as one does not will be in an accident, he is weak, what and how to do. We, of course, remember that you need to call the traffic police inspector, but that our knowledge ends. Let's try to figure out what to do in such a situation, and what gives us the benefits of CTP insurance policy.There is a so-called "evroprotokol" - a simplified procedure for registration of an accident, without the traffic police.
However, such a design has several limitations:
in the accident should not be affected;
in an accident involving two cars;
Motorists are required to come to the same opinion;
sum payments can not exceed 25 000.
But it is worth noting that there were no problems later, an accident is better to make out as normal.
When the accident happened, then there are two possibilities of the situation.
The first - a "direct compensation for CTP" when you are applying for compensation for damages to your insurance company. Limits on payments to such treatment are the same as when you contact the debtor.
Second - this appeal to the insurance company the culprit.
If you have an accident, you should call the traffic police and inform your insurance company about the accident happened.
1. Before the arrival of traffic police and the insurance commissioner will be good if you have the opportunity to take photos of the incident an accident and find witnesses.
2. Next, you must fill out the notification of an accident, or your total. It can be filled and later (for five days), but it's getting harder. The form is issued at the conclusion of the insurance contract.
3. Inform participants of the accident your data (the insurance company, policy number, telephone numbers).
4. To record such data participants of the accident.
5. Get help in the traffic police about the accident, a copy of the protocol on administrative violation, ruling in a case concerning an administrative offense or failure.
6. If the culprit is installed, it must, within fifteen days to send to the insurance company notice of the perpetrator of the accident and help traffic police, better by mail, ensure that you have the documents to send.If the culprit is not installed, please send your insurance company reported accident, it is best certified mail.
If you are responsible for an accident, and agree with it, then send a notice of the accident to your insurance company.
If all of the documents the insurer organizes independent examination to assess damage. The victim provides their car for inspection and calculating the cost of repair. The results of the examination are included in the package.
Under existing legislation, CTP insurance companies reimburse the damage in a limited amount.
Thus, compensation for damage to life and health, the size can not be more than 160 thousand rubles for each victim.
To compensation for damage to the property of several persons - no more than 160 000.
To compensation for property damage to one victim - not more than 120 000.
If the damage is a large amount, the difference you will have to collect from the guilty in court.
To consider the application provided the insurer fifteen working days of the filing of all documents. During this time, the insurance company must make an insurance certificate and three days to make payment. In conclusion, it is worth noting that if you have any doubts about the objectivity of the evaluation, you can spend your independent examination, and if the insurance company refuses to accept the results of this examination, you may apply to the court.
What can affect the increase or decrease in value CTP.
