Many drivers are interested in what unlimited insurance is. This is a type of policy in which you can control the machine not only to its rightful owner, but also to third parties. Insurance without restrictions provides a unique opportunity - an unlimited number of people can be behind the wheel of one vehicle. Simply put, if a family has one car that is used by several people at once, in case of an emergency you can always count on compensation for damage, even if at the time of the accident the driver was not the actual owner of the car. All this makes this insurance option very popular among different organizations, where the staff of drivers is large, and there are not so many cars.
Such a policy clearly defines liability - the degree of guilt of a participant in an accident.
This does not affect the size of payments due to
an insured event , of course, if all the documentation is drawn up correctly. The most important thing is to make sure that the traffic police officer correctly completes the protocol: everything in it must correspond to what both the participants in the accident and its witnesses told.
Rumors about insurance without limits
Often you can hear conflicting opinions about this policy. Some argue that the insured person will suffer multiple losses if the driver gets into an accident due to his own fault. This is not so - absolutely all expenses are able to cover insurance payments. The question of how much insurance costs without restrictions is very popular. As a rule, the cost is one and a half, or even two times higher, when compared with the prices of an ordinary policy. It all depends on the particular company. In general, this option is very convenient first of all because the driver does not have to worry about who the car is insured on and who can get behind the wheel. So the overpayment is justified.
Limited Insurance Facts
A limited policy can protect only one person. Only the owner of the car is entitled to drive the vehicle. If the car has several owners, limited insurance is issued for each of them. Needless to say that insurance without restrictions is much more profitable in such a situation?
Benefits of Unlimited Insurance
When buying a policy, the favorable conditions are obvious:
- Any person can drive the car (no fines);
- when filling out documents, the risk is minimal;
- MTPL insurance without restrictions implies that in the event of an accident the owner of the car will not have to pay anything at all;
- if you need to include in the policy an inexperienced driver (experience less than 36 months, age less than 22 years) an unlimited insurance option is the most optimal.
If an employee exceeds authority
Infrequently, but still there are situations when traffic police want to trick drivers who have insurance without restrictions. To this end, they refer to the fact that the policy does not have specific names that have the right to control the machine. Of course, this is wrong, but you donβt need to enter into disputes with representatives of law enforcement bodies, nothing should be said too. Drivers are not entered in any documents, since their number is not limited by any norms. The actions of unscrupulous representatives of the traffic police can always be challenged in court (or contact their direct management).
Simplicity of design
MTPL insurance is fairly easy to take out - practically nothing is taken into account here. Driving experience does not matter, nor does the time a person spends driving. Yes, there is some financial difference, but still an unlimited policy is much more profitable than a limited one. The latter may be more relevant only in some cases (if, for example, a car has only one driver, or when different people drive the car in the family, whose driving experience is different, like age). In order to prevent mistakes, you should carefully weigh all the arguments in favor of one and the other proposal.
Nevertheless, when registering any insurance, you must not lose vigilance. It is best to work with those companies that have a positive reputation, recommendations from relatives and friends. Thanks to this, you can avoid fraud, deception and other problems, which are plentiful in the field of auto insurance.
If necessary, even limited insurance can be made unlimited - for this, the owner of the car must write an application to the company where the policy was issued. Such a statement indicates what changes you want to see in the insurance - as a rule, the client is simply provided with ready-made forms where the necessary item should be emphasized (all possible options should be carefully studied). An application can be written even by a
proxy of the insured - insurance without restrictions if certified documents are available will be issued.