By purchasing a vehicle, everyone expects that no trouble will happen. But, unfortunately, a traffic accident can happen to anyone. Protecting yourself or your car from this is almost impossible. But you can protect yourself from possible financial costs with the help of car insurance. Everyone should know how to insure a car and where it is better to do so.
Compulsory insurance
This is a type of insurance, which implies the responsibility of the driver to other participants in a traffic accident. If the car owner is to blame for the accident, he can be sure that third-party liability insurance will cover payments to third parties. This type of insurance is compulsory and is issued by drivers regardless of the car model. Often the driver is not ready for an accident and does not have the financial ability to cover the costs of another accident participant. This is not a problem if you managed to insure the car in a timely manner. MTPL usually covers all expenses, and participants in an accident manage to quickly repair their vehicles.
Previously, there were several options for registration of insurance policies. Everything changed when powers of attorney to drive another's vehicle ceased to be in demand. Only the first type of policy remained. It includes insurance for any driver who legally drives a vehicle.
How much does compulsory insurance cost?
Owners of various vehicles will not be able to insure the car at the same cost. OSAGO offer to issue insurance companies on cars of any brand. The cost of the policy will depend on several factors. First of all, the year of manufacture of the car is taken into account. The older the vehicle, the greater the likelihood of an accident due to a malfunction. Therefore, an insurance policy can be more expensive.
Regardless of which company you intend to insure the car in, the price of the policy will depend on the driving experience. The power of the motor is also taken into account. The shorter the experience and the larger the car, the more expensive the policy will cost. Place of registration also matters. In those places where car traffic is less active, insurance will be much cheaper.
Should I pay attention to low prices?
You must never forget that free cheese happens only in a mousetrap. Many insurance companies that exist on the market for only a few years, offer to issue a policy at a lower price. However, there are no guarantees that the organization will really cover the costs in the event of an emergency. Preference should be given to companies that have been operating for at least 10 years. They will offer to insure the car at a higher cost. At the same time, the client can be sure that in the event of an accident financial expenses will not wait for him.
Insurance companies that have already managed to gain the trust of customers periodically arrange promotions and issue accumulative cards. Thanks to this, you can purchase a CTP policy at a lower cost.
Should everyone insure a car?
The insurance policy is mandatory today. There are only a few exceptions. Participants of the hostilities, invalids of the first group, personally driving their car are completely exempt from insurance of their own vehicle. As well as persons who drive a disabled car in their presence. In the event of a traffic accident, all payments are borne by the motor transport bureau. An exception is when a third party is the culprit. Then it is the culprit who undertakes the obligation to cover all expenses.
There are also a number of cases where drivers have the right to insure a car by paying only 50% of the cost of the policy. Pensioners, persons who participated in the liquidation of the Chernobyl disaster, disabled people of the second group, as well as participants in the war, have such an opportunity. It is worth noting that these individuals can not always insure a car at a discount. You can issue a policy only if the engine capacity of the vehicle is up to 2500 cubic meters. see. If the car does not meet these parameters, you will have to pay 100% of the cost of the policy.
Voluntary insurance
Voluntary insurance is also common today . Despite the existence of a forced form, many in this way seek to insure the car. Casco allows you to protect the driver from theft or damage to the vehicle. In addition, everyone can insure their life from death as a result of an accident. In this case, relatives will receive insurance benefits.
Casco insurance is full and partial. You can issue a policy that will include all the risks. Or insure a car without life insurance. In addition, the program offers to issue a policy on equipment that is installed in the vehicle. If it is stolen, the driver will receive a full refund.
Is it worth making a full hull?
Regardless of where to insure the car, it is worth choosing a policy that will represent the best value for money. The problem is that many full hull points are completely useless. For registration of the policy, you will have to pay at least 10,000 rubles. In this case, insurance is issued only for a year. If you exclude items such as hijacking a vehicle or stealing equipment from a car, you can save significantly. The cost of the policy will be about 5000 rubles.
Many vehicle owners have a good garage and a reliable alarm system. Therefore, the likelihood of a car theft is minimized. So to pay annually for a full comprehensive insurance policy is impractical. The insurance contract should include such key points as car damage and participation in an accident.
Where to insure a car?
The company with which the contract will be concluded must be selected very carefully. Before issuing a policy, it is worth paying attention to various market offers. Preference should be given to companies that offer insurance services for more than 5 years. There are several criteria that will help you more carefully evaluate the reliability of the company. First of all, it is worth paying attention to the presence of regular partners. If large organizations draw up an insurance contract in the same place for many years - this is a good indicator.
Before deciding where to insure a car (CTP), it is worth paying attention to the prices of various companies. The cheapest deals should not be given attention. Most likely, in this way the insurance company is trying to attract customers. There is no guarantee that contractual payments will actually be made. The middle price segment is the best choice.
Below will be presented several companies that are popular with car owners.
Insurance company "TAS"
Today, the TAS insurance group is among the top 10 leaders in car insurance. The company has been operating not only in Russia, but also in other CIS countries for more than 15 years. The insurance group consistently shows good financial results, and drivers receive payments on time under their contracts.
Reliability of cooperation with the company is guaranteed by the authorized capital. In addition, there is a reinsurance scheme for the main risks. Leading reinsurers of the world cooperate with TAS. The cost of insurance policies starts from 2000 rubles.
Rosgosstrakh
The largest insurance company in Russia, which provides a huge range of services. Car insurance under Casco and CTP insurance programs is no exception. Many today no longer have the question of where to insure a car. Drivers have long preferred Rosgosstrakh.
In 2015, the Expert RA rating agency was able to once again confirm the reliability rating of the insurance company. Therefore, everyone can freely conclude an agreement with her. All payments in the event of a traffic accident will be guaranteed to be made. Many people also choose insurance at Rosgosstrakh due to the large number of sales points throughout the country. You can issue a policy even in the smallest village. A company representative will always tell you about the features of a particular insurance product and help you make your choice.
Ingosstrakh
Reliable insurance company, which is one of the ten most popular agents in Russia. In 2005, she won the first place in collecting premiums among numerous participants. This insurance agent is the most media active. He is always mentioned in the press and on television. Thanks to this, the number of signed contracts is increasing every year.
Since 2004, Ingosstrakh also began to operate in the markets of Ukraine and Belarus. Thanks to this, the number of customers was significantly increased. The company offers not only traditional, but also exclusive types of insurance. For a moderate cost, you can insure not only the vehicle, but all its contents separately. You will have to pay at least 3000 rubles for a traditional policy. It is possible to purchase a comprehensive insurance or motor third party liability insurance. Additionally, you can insure the life and health of children.