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.