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.)