Where and how to insure the car without additional insurance?

Buying a car, we do not always think about the forthcoming additional costs. If you set aside spending on a variety of tuning, winter tires and all sorts of "lotion" type covers for the seats of young antelope leather, then the most significant contribution to the vehicle is insurance. But, how and where to insure the car? Reviews about the companies offering such services are so diverse that it is sometimes not easy to make the right choice. Turning to various UK, many customers often face the fact that, in addition to the actual car insurance, they impose the payment of additional services. It's about life insurance, transported cargo and so on. It's important, but often you do not need it right now, do you? And besides, if such a desire arises, the client himself can apply to the employees with the appropriate request. But it's lyrics. So, how to insure the car without additional insurance and what is needed for this?

Types of policies

Most often, the vehicle insurance contract is concluded immediately after the purchase of the car and is prolonged annually. An exception may be situations where the age of the purchased car exceeds 10-12 years: in such cases, some companies may refuse service at all. For today the most popular are two types of policies:

• CASCO - it is possible to insure the car (its) as against theft, and from any damage;
• OSAGO - involves covering losses to the owner of someone else's machine, which has suffered from your negligence;

One important nuance: in the event of an insured event, you can not receive payments at once under two policies, so if you have both OSAGO and CASCO, in case of an accident you have to choose exactly where you will demand compensation for the losses incurred.

Buying this or that car insurance policy, the owner of the vehicle primarily looks for the most favorable conditions for himself, and the price of the service in this case plays an important role. Therefore, before signing a treaty, you should carefully read all of its nuances.

How much is life insurance necessarily?

Concluding the agreement, many car owners are faced with the fact that in addition to the basic service they are offered to issue a policy for additional risks, for example, to insure the life of the driver himself. Such payments in the people are dismissed as "dopas". Sometimes the denial of these services entails the impossibility of issuing a policy or a significant delay in obtaining it. Is it possible to insure a car without life insurance? It turns out that it is possible, however, sometimes the process can take some time. Therefore, if you insure a car without life insurance in the "home" company refuse, and the processing time is tight - it is easier to look for another company that provides similar services. And what if I do not want to change the UK?

What to do if you are refused

Based on Russian law, you do not have to pay extra options. Therefore, if, for example, Rosgosstrakh refuses to insure the car without "dopov", and there is no time or desire to change the company that serves the policy, it is possible to try to influence the insurers by law. As a rule, people do not pay attention to overpayments when making out insurance, but if for you this question is basic, and a simple conversation with the company's employees does not bring a result - contact the court or the antimonopoly committee.

In order to accurately win the case, you need to prove that managers force you to pay an additional service that you do not need. To do this, a written refusal of the company, in which the reason indicated the impossibility of concluding a contract without life insurance, is suitable. If you refuse to give such a paper, then the fact of refusal can be written down on the phone or a dictaphone - this can help to prove your rightness. Most likely, you win the court, and all the overpaid amounts will be returned to you, but nerves will have to be worn fairly.

In addition, it is likely that insulted insurers will transfer information about you as a negligent client to their partners, and to formalize the policy in the future will be problematic. If this happened to you, immediately complain to the antimonopoly cabinet, the prosecutor's office and the court. Beat all the bells, though on your side, because to insure the car without additional insurance is required by any profile company, and there is no law that compels you to pay for what you do not need.

Another way

If you spoil your nerves and waste your time in litigation, do not want to, you can try to do this without exacerbating the relationship with the organization that serves the policy. Here is another, less "bloodthirsty" way to insure the car without additional insurance. A small instruction:

1. We go to the site of the selected company and find there information about the basic rates of insurance rates and payment details.
2. Using the instructions of the Central Bank of the Russian Federation, we independently calculate the amount of the insurance premium. It is not difficult to do this, there are a lot of instructions and examples on the relevant portals on this account.
3. We pay for the service, but in such a way that you have a check or receipt in your hand indicating the purpose of payment, where you need to write "Payment of insurance premium, MTPL policy, car" ... ", state number xxxx".
4. We take photocopies of the following documents: passport, vehicle registration certificate or vehicle registration certificate, driver's license of all those who are authorized to operate this vehicle, a diagnostic card or a vehicle inspection certificate, a check on payment of the insurance premium.
5. We fill out the application for the conclusion of the insurance contract (the form can be found on the website of the Bank of Russia).
6. We compose in two copies a cover letter, in which we write down references to the following laws: FZ No. 40, ed. From 04.11.14; Paragraphs 1.4-1.6 "Regulations on the rules of compulsory insurance of civil liability of vehicle owners" No. 431-P, approved by the "Bank of Russia".
7. To the cover letter attach the inventory of the above documents and their copies.
8. Personally, we bring all of the above to the office of the insurance company and require you to mark the date of receipt on your copy of the cover letter.
9. If you accept the documents in full, the company employees refused, we send them by mail, with a notification of receipt, necessarily making an inventory of the investment.

Most often after all these actions, the insurance company does not ask questions and draws up a policy without imposing additional services.

How and where to insure the car for OSAGO

To receive such policy of autoinsurance it is possible practically in any company rendering similar services. In the people OSAGO referred to simply as "avtograzhdanko", as the abbreviation stands for "compulsory insurance of automobile liability." To get it, most often do not even need to submit to the inspection of the vehicle itself, but the absence of MTPL is punishable by a fine.

So, where to insure the car for OSAGO? At first glance, it may seem that the cost of the policy will be approximately the same in any company, but in practice this is absolutely not the case. However, it is not worth pursuing cheapness, first of all you need to think about whether your SC will be able to compensate you for losses if it is needed. Here are a few criteria that you should be guided by:

• The price of insurance. Low cost of the policy is not always good, it is better to adhere to the average price category.
• Rating of the company-insurer. Solid organizations often offer a variety of promotions and discounts, and their reputation is proven.
• Provision of additional services. Sometimes behind the shares is camouflaged imposition of absolutely unnecessary services to you: health, property, life insurance, etc.
• Convenient location. Think about how convenient it will be for you to visit the office of the company if necessary.

Hull

Another rather popular type of policy is CASCO. To insure the car in this case it is possible in addition to OSAGO, although this is not mandatory. In the list of risks under this agreement, you can include almost everything, anything:

• Theft;
• Damage in the event of an accident;
• Broken glass from a stone flying out from under the wheels in front of the car;
• Cut wheels;
• Falling of any foreign objects, for example, icicles or bricks;
• Dents and scratches of unknown origin;
• Any other risks.

It does not matter who is to blame for the insured event, the payment will still cover losses. It all depends on the value of the policy - the more risks are included in it, the more expensive it is. So, as you know, CASCO - a pleasure not cheap, often the cost of auto insurance is 10-15% of the price of the vehicle itself. However, despite the high cost, the CASCO policy is very popular, especially among novice motorists.

In this case, to answer the question "how to insure the car without additional insurance" is quite difficult. Due to the fact that CASCO is exclusively voluntary, insurance companies try to expose as many additional requirements as possible. There are cases when "enterprising" managers offered to the novice drivers to additionally arrange a policy for signaling in case of a sudden closure (supposedly without this point to insure the car from theft is impossible). Unfortunately, it is rather difficult to combat such phenomena - it is easier to change the insurance company.

What affects the price of CASCO

Reflecting on where to insure the car for CASCO, it is necessary to consider some factors that can affect the price of the policy. Most often it depends on:

• Car brand and its value - the more it is bigger, the more expensive the policy;
• Age of the motorist and driving experience - the more he is the more, the policy is cheaper;
• "Antiquity" of the car itself - the newer the car, the cheaper the insurance, and the vehicle older than 10-15 years may not at all be insured;
• Availability and level of anti-theft systems;
• Place and conditions of keeping the car - yard, garage, guarded or unguarded parking;
• The amount of the deductible - the damage not exceeding the amount of the deductible is eliminated for the personal funds of the client;
• The density of the population of the region operating auto - for example, the risk of an accident in a megacity is an order of magnitude higher than in a small village.

Also the cost of the CASCO policy can be increased:

• List of insured events;
• Place repair car - car service at the option of the UK will be cheaper, but the repair itself can turn into a tidy sum;
• The amount of the percentage limit for payment in the event of an insured event;
• The amount of payment in cases where the car is not subject to recovery and must be disposed of;
• The possibility of granting "Green Card" for traveling abroad;
• Additional life insurance for the driver or passengers;
• Possibility of payment by installments;
• Complexity and timing of the procedure for reviewing the situation, for the recognition of the case by insurance;
• Other.

Insurance through the Internet

Recently, no matter what kind of policy you make out, large insurance companies offer the service of drawing up a contract remotely. So, how to insure the car through the Internet and how reliable is it? To begin with, we note: despite the fact that such a service is very convenient, it is still not completely safe. Trust in this case is only for stable, trustworthy companies. Therefore, before deciding to insure the car through the Internet, carefully study the reviews about the organization offering such a service, or an agent-intermediary.

The essence of the process is as follows:

• Choose an insurance company and visit its official website;
• Carefully study the conditions of registration of the policy of CASCO and OSAGO, choose the right one and leave an online application for its registration;
• In some cases it will be necessary to fill in a small questionnaire in which to indicate information about the car and other unclassified information;
• Specify the date and time, in which it is convenient for you to accept the courier of the insurance company.

In the specified period, after the processing of the information, you will arrive with a ready-made insurance policy, which will have to be paid on the spot, upon receipt. You can also choose the place where you will receive the document - home or work, as you prefer, most importantly - be there at the specified time. This is quite convenient, since there is no need to spend precious time on trips to the company's office, you do not need to "hang out" in traffic jams, stand in line with the manager and in the cash register and so on. Your time and nerves will stay with you.

In order not to waste time visiting the office of the company, you can also use the services of special agents-intermediaries, who often also have their own pages on the Internet. An agent is an individual who has a contract with an insurance company and provides intermediary services. Most often, these people get 10 to 20% of the cost of the policy, so if you use the services of the same person all the time, he can even give you a discount, and the policy will be a little cheaper. However, you need to be careful doubly, not to "run into" the swindler.

Credit car - compulsory choice of insurance organization

But the question "where better to insure a car borrowed on credit" is not worth it at all. The fact is that banks that issue loans to buy cars, most often send the client to a particular company with which they have an additional service contract. If you do not insure the credit machine exactly where you are told, you probably will not receive any money.

True, there is one nuance: banks often cooperate not with one UK, but the client is told to "forget" about it. So before you make out a loan, ask the representative of the banking institution for a list of all the organizations with which they cooperate, and choose the one that suits you best. In the future, when concluding a loan agreement, require the possibility of servicing exactly where you want. Most often, banks do not want to lose a client because of such a "trifle" and go to meet.

Nuances of insurance

There are also some special cases in which the formulation of the policy can be difficult. Here you, for example, know how to insure a car without a vehicle inspection? It seems that nothing, but there are some nuances. Some insurance companies offer their clients a "policy with a condition". This means that the document will be issued to you, but you will be required to write a statement stating that you are obligated to provide a vehicle inspection certificate later, for example, within a week.

Also you can be offered a short-term policy, that is, to insure the car for a month or two weeks. This just does mean that during this time you will have time to pass the inspection and return for the main "security" document. If the time has come to reissue the insurance has already come, and the old technical certificate is still valid for six months, then you do not need to pereprohod it, you can issue a policy according to what is. And if you bought a new car, then you do not need a vehicle inspection certificate, because you will only go through three years.

In connection with a significant increase in the price of the policy, some car owners would like to issue it early, at "old" prices. But whether it is possible to insure the car in advance, not everyone knows. Extend the validity of the MTPL insurance policy is possible not earlier than a month before the end of its validity. So those motorists, whose validity period of compulsory insurance policy expired in early May, could theoretically save a little, of course, if they guessed the date of the tariff increase.

With CASCO, the situation is even worse - if you extend an already existing policy, you can do this not earlier than two weeks before the end of the previous one. And if you make out a new one or want to change an insurance company, then the account here and does go for days. However, in some companies it is possible to issue a policy "with reservation". This means that the insurance contract will include a note stating that the validity period starts from the moment of the repeated inspection of the vehicle, the date of which is assigned the day preceding the expiration of the validity of the existing insurance. You can save, maybe, but in case of a critical situation, such a treaty has no force.

Of course, it's best to travel without incident, because it's quite difficult to find out if the car is insured. Unfortunately, there is no complete database of insurance companies, there are only SAR data, where the answer can be obtained by knowing the policy number. If you do not know it, then you will have to get an answer directly from the road accident participants, and this sometimes happens as uneasy.