Objects of auto insurance.

The insurer itself tells you the price, or rather the size of the premium that you have to pay for the facility of auto insurance. In the case of the Russian Federation in paragraph 1 of article 954 of the Civil Code under the insurance premium is to be understood a fee for car insurance, you should definitely pay vygodoobretatel in certain lines that are negotiated in the contract of motor insurance.

Also in the contract of auto insurance can be appointed (provided) introduction to car insurance premiums in installments (as spelled out in paragraph 3 of Article 954 of the Civil Code). In the contract of automobile insurance mandatory item are the consequences of non-payment (late payment) the amount of the contribution specified above in the above lines. The Russian Federation has taken a rule that most insurance companies offer payment for the insurance of the insured object, as installments for a certain period of time. Terms of payment from their insurance companies each, mostly they look like: the amount of the first payment should always be at least 50% of the total fee stipulated in the contract, the second make in three months after the first.

In drawing up the insurance premium, which is paid by the insurance object auto insurance, insurers, so-called insurance rates. These insurance rates are set and comply with the law "On mandatory insurance of civil liability of vehicle owners." Tariffs, which are set for CTP policy, guided by the Government of the Russian Federation and are the same for all insurance companies in the country. These prices are differentiable and can depend on many different factors. Discounts for members CTP insurance policy may be granted only if the person Fear to auto insurance, went over the line just a system of compulsory liability insurance of vehicle owners. All other discount policy against the law of the Russian Federation.

In contrast to the mandatory car insurance, hull insurance premium is considered a function of the sum insured, the insurance period, and of course the basic fee for the insurance and the factors that increase the amount of down payment. E size of the so-called impact factor: the order of payment of the insurance premium, the order of the insurance payments and other factors that determine the risk of road accidents, driving experience, the term of operation of transport, availability of protection against theft, the term of payment calculation. From this comes up is that the calculation of the amount contributed to the hull is specific to each vehicle driver, insuring your vehicle. Is worth mentioning that the value of the contribution hull can greatly vary in different insurance companies, we strongly recommend that you contact several insurance companies and find the best for you.

But for insurance CASCO policy often seem good discount. In the case of financial problems, you can count on the franchise. Under the franchise means the amount of loss that is not reimbursed insurers, it is divided into conditional and unconditional. In conditional franchise, set a certain amount of damage - the maximum value of the franchise. If losses exceed the maximum value, the damage is fully reimbursed, and if the losses were smaller part of the insurance company does not reimburse. For example, if a subject insure a particular object of insurance, agreed to a conditional franchise in 3000 rubles, and the damage in the accident amounted to 10,000 rubles, and insurers will pay 10,000 rubles. And if the damage was only 2,000 rubles, the insurance compensation, the company will not be paid. As a result of damage to the vehicle, the damages paid by the motorist, their finances. If you use an unconditional deductible losses to the maximum value will not be refunded under any circumstances, even when the maximum value of the franchise is subtracted from the amount of the payment. If the insurer has agreed to an unconditional franchise, the franchise in 3000 rubles, and the loss of 10,000 rubles accident insurer will pay only 10000 - 3000 = 7000 rubles. And all this will reduce the cost of the policy.

Also good for the decline in value of the policy parameter of an accident in the previous year. If you have driven the previous year, safely, without accident, then the extension of the policy and can provide a substantial discount.

A little advice: The more people entered in the insurance policy, the more expensive it will stand for you.

Not unimportant role at CASCO, playing experience, age and experience of driving the car owner.

We hope the information provided in this project was to have useful and informative.