Where buy cheaper CTP ?

In a crisis, one of the most frequently asked question has become such as "Where insure CTP?". A more precise formulation is likely to be as follows: "To what company to insure the CTP?". Let's try to analyze this issue in more detail. First of all, the new tariffs osago for insurance of approved by the Resolution of the Government of of the Russian Federation, dated December 8th, 2005 number 739. They are the same for all insurers.

Second, the same uniform, of course, are all insurance conditions (guided "by the Federal Law on CTP" as well as the rules of CTP, which are approved by the Government of the Russian Federation on May 7, 2003 N 263).

Third, our law presumes that if the insurance company has had its license revoked, liability insurance company CTP goes to the Russian Union of Insurers (RSA). In the cash of the Union of monthly deduct 3%, resulting from the accumulation of charges in a special fund compensation payments, as well as redundant safeguards. It follows that even if the company goes bankrupt or from the market, its customers who framed CTP insurance, will continue to be protected. Had an accident in which they will be guilty, according to the obligations of the PCA will respond. Theoretically turns out, that the difference in the principle, no. However, experience shows that many motorists have to face the fact that in the process of proring to different insurance companies to find out how much it costs osago in response heard different figures. Why?

Stumbling block

The rub lies in the calculation of the coefficient of a "bonus-malus". Went without crashing? Well, here's a discount of 5% for the year. It has turned to become a culprit of road accidents? Well, pay the difference. In accordance with the law, registration osago rates are set based on the fact whether or not the insurance payments for previous contracts of compulsory insurance, including prematurely terminated. Thus, the account of accident or accident-free operation is carried out with the introduction of the CTP, namely 1 July 2003. Moreover, there is a clause purporting to define the class of insurance, setting factor for accidents in relation to the class that existed at the conclusion of the last contract of compulsory insurance. In other words: "Accidents while driving was not? Here's a minus 5% of the value of your previous policy." And what if the previous policy statement does not take into account your overall trouble-free?

So it turns out that this contradiction is fully used by many insurance companies. Usually are sinful in a similar the most major insurers. They even carry out production of relevant departmental orders that require employees, processing osago contract, demand from customers to confirm previous years accident-free driving. The calculation is quite simple - instead of running around for references from previous insurance, it is easier to pay extra 5-10% on top of that it will be cheaper.

Infer

To to issue the insurance,, please contact in the those insurance of the company osago, in which the from you do not will require a documentary confirmation of addition, the that the Your riding was of accident-free, at the same will provide without the spare, what ceremonies across of fail safe a discount on the maximum, which will be meet the requirements of Your to the real length of service.

If you refer to us, in addition to receiving CTP policy at minimal cost, allowing osago buy cheap, you do not waste precious time, because osago service delivery is FREE with us and the maximum operational. You will receive a policy from the comfort of home or while at work