What is included in the insurance rules KASKO

Every car owner who wants to conclude a CASCO contract must first familiarize himself with the basic concepts of this type of insurance: the term of insurance, the cost, the payment of compensation, and others. CASCO insurance rules contain all the necessary information for a profitable and competent conclusion of the contract.

Cost of insurance

Insurance is usually calculated based on the market value of the car. When calculating, you can use any kind of currency, but in the event of an insurance event, all payments by the insurance company will be made in rubles.

Terms of insurance

CASCO insurance rules allow you to conclude an insurance contract for a long term (1 year) and for a shorter period (six months or 3 months), but you should keep in mind that short-term insurance is calculated at a higher rate.

Payment of compensation

In case of damage, compensation can be made either by cashless settlement or in the form of repair of the machine. If you choose repair work as a refund, you need to know that they can be produced either in the light of wear, or without taking into account (on the basis of new parts and spare parts).

Requirements for car storage

CASCO insurance rules say that the car owner can leave the vehicle in any place convenient for him, but, depending on the package of services that you purchased, the insurance company can present its requirements for the storage of the car. Some companies impose a mandatory condition for the maintenance of the car in a guarded parking lot.

Measures against theft

Almost all insurers have a requirement to install a car alarm. CASCO insurance rules do not provide this condition as mandatory, but in case of car theft it will be quite difficult to get insurance if the car did not have an anti-theft system.

Insurance and credit

Buying a car on credit, you should take into account that you will need to insure it for CASCO, this is a mandatory condition for all banks. The company-insurer you have the right to choose for yourself, at your discretion.

Before entering into an agreement with insurers, every car enthusiast should carefully study the rules of vehicle insurance. The document details all the basic concepts, terms, definitions, explains all stages of insurance and compensation for damage.

Cargo Insurance Policy

Those drivers who deal with the transport of goods must know the basic requirements for transportation. The cargo at the time of delivery to the destination is very vulnerable and unprotected. The dangers associated with a bad road or the possibility of theft oblige every carrier and owner of the goods to know the rules of cargo insurance.

According to the laws existing on the market, the owner should take care of the safety of the cargo, since the carrier, having no property rights to the goods, can not initiate insurance.

More often than not, troubles associated with transportation can arise in the form of theft of cargo or its spoilage up to the complete loss of property. The amount of insurance depends on the type of transport the cargo will be transported. In spite of the fact that road transport is the most expensive in insurance, they are in great demand in our country.

In addition to the type of transportation, the type of cargo affects the cost: machine tools and metal structures intended for any production will be cheaper. The most "expensive" types of cargo - household appliances and cars, such property often attracts attention of robbers.

When transporting the driver should be very careful and accurate, if the cargo is damaged or lost, the insurance company will conduct a thorough and detailed investigation, finding out the real reasons for what happened.

It should be remembered that the knowledge of the owner of the cargo of the basic rules of insurance will avoid significant financial losses.