The acquisition of Casco Polis is a fairly serious step, which requires a weighted approach during the choice of an insurance company. If the client signs the newly executed policy, it automatically accepts the rules set by insuring the insurance company and used to adjust the relationship between the insured and the insurer.

Casco Polis, Casco Osago

Many car enthusiasts are confused by the insurance policies of Casco and Osago, as a result of which some misunderstandings arise when an insured event occurs. The civil liability insurance of the owner of the vehicle, that is, the policy of OSAGO compensates for the expenses of the victim during an accident on the treatment of affected people and repair a damaged car. Consequently, when an accident occurs, the damaged car will be repaired due to the culprit of the accident - the owner of the Osago Polis. The owner of the damaged car will be provided with an insurance payment for the restoration repair of the vehicle, and affected people - on the necessary treatment. It is worth noting that if a person dies in an accident, his relatives will receive reimbursement of funds for burial.

In the case of the Casco Polis, the Insurance Company provides compensation for the restoration repair of the insured vehicle, which is listed in the CASCO policy. If the culprit of this accident is a motorist who, in addition to the insurance policy, at the time of the accident, there was also an insurance policy of CASCO, who protects his vehicle, then this car owner secured himself from expenses for the restoration repair of his car, as well as expenses for compensation for harm Alien transport.

Casco Insurance Rules 2016

Any insurance company uses CASCO 2016 insurance insurance rules that contain these sections:

1. The rights and obligations of all the participants of the contract.
2. Time of action, design and termination of the agreement.
3. Tariffs, amount of insurance, payment methods and other conditions.

According to CASCO 2016 rules, motorists in the details explain all the concepts that are used during insurance - payment of compensation, insurance premium, franchise, insurance period, and so on.

As a rule, as an insurance object, the property interests of the insured, who do not contradict the law and are subject to insurance or may be insured.

Since Casco is a voluntary type of insurance, its rules are usually developing independently the organizations themselves, similar to the working conditions, tariffs and compensation for damages.

In CASCO 2016 insurance rules, articles that concern are especially closely studying:

1. Insurance risks to establish cases at which firm intends to produce the necessary payments to compensation for damage.
2. The possibilities and conditions of termination of the agreement was drawn up according to the Insurer initiative or the insured.
3. The degree of risk. With the change of some circumstances, after registration, the owner of the vehicle must be informed by the insurer, otherwise the reimbursement is possible at an accident.
4. The cost of insurance. As a rule, the calculation is based on the market value of the car. The amount of insurance is affected by the selected transaction criteria, and above all - the term of the agreement, the presence of the franchise, the purchase of the car loan.
5. The current relationship after the appearance of the insured event between the participants of the transaction. These requirements are clear, and the smallest of their non-compliance can lead to an unequivocal refusal of compensation.
6. Exceptions. This article explains the reasons why payments will not be made during events and cases that are not insurance.
7. The procedure for calculating the cost of damage and the work of payments. When paying compensation, the vehicle wear takes into account. The CASCO insurance rules indicate the methods of calculating wear, methods and shapes of payment of compensation, which produces a firm. Payments are made in the form of enumerations or cash, as well as repair work per service station.
8. Methods for storing vehicle. Motorists must at the dark leave the vehicle on a protected parking or to equip the car with anti-theft devices. In case of non-compliance with these requirements for the car, the car loss is not compensated.

essence Casco

Casco is an insurance of a vehicle, according to which the payment is made in its hijacking or damage. The car owner can independently choose the risks from which he wants to insure his car. Depending on this, insurance will be partial or complete. Full insurance of CASCO reimburses losses for hijacking or damage to vehicles. And the partial involves covering the costs, which is associated only with some losses.

At the CASCO policy, you can insure such types of transport:

1. Cars.
2. Trucks.
3. Buses.
4. Tractors.
5. Motorcycles.
6. Trailers.
7. Tractor.

casco conditions

The main conditions may differ depending on the insurance company that provides services.

However, as a rule, payments will not be provided if the hijacking of transport or its damage occurred:

1. The car managed a person who has no driver's license.
2. The motorist was in a state of alcoholic, narcotic or other intoxication.
3. Intentionally.
4. The insured case occurred outside the action of the insurance policy, for example, abroad and so on.

In addition, no less important parameter is the age of the vehicle. Casco policy can be bought for a domestic car not older than five years, and for foreign cars - no older than seven years. It is quite problematic to acquire a hull for a vehicle, which is more than ten years - such services provide only a few companies, and insurance prices are significantly higher than for a new car.

insurance case CASCO

The insured event is the event that is provided for by the insurance contract, with the onset of which the obligation of the insurer is formed to conduct insurance payments to the insured person, the insured or other third parties.

The estimation procedure is a loss, determination of the amount of compensation, the product of the payment and removal of all claims or the claims of the insured to the insurer is the settlement of the insured event. Sometimes, according to major insurance situations, the settlement procedure can reach several years.

payments on CASCO

To obtain the payment of CASCO, it is necessary to comply with all the rules for registering the insured event.

On average, payments range from two weeks to one month. The more authoritative and larger insurance company, the less payment of insurance compensation. Small companies that do not have a strong reputation on the market can keep you waiting for more than two or three months.

Rating insurance companies CASCO

In terms of the category of insurance payments, the top 5 of the best insurance companies can be allocated:

Some companies on the results of 2015:

name Ranking Date Confirmation

Calculator calculator calculator calculator

Calculate the cost of the CASCO policy using the Casco Calculator. As a rule, in special fields it is necessary to introduce the type of vehicle, the type of insurance coverage, the registration region, the age of transport, the driver's age and the experience, franchise, and so on.