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.