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What Is A Car Insurance?

2024
What Is A Car Insurance?
What Is A Car Insurance?
Anonim

Not all motorists of the Black Earth Region use this type of insurance as a motor hull insurance. Someone believes that he has enough CTP, someone spares money, and someone does not even know what it is. The benefits of insurance are told by Sergey Malakhov, Deputy Sales Director of City Insurance Company LLC:

Motor hull insurance is:

1. Protection against unforeseen expenses in case of damage or theft of the vehicle;

2. A wide range of services in case of an insured event (round-the-clock dispatch, evacuation of a vehicle damaged as a result of an insured event, consultation of specialists and experts, etc.).

In the City Insurance Company, clients receive the following services:

Possibility of insurance of the vehicle with the condition of full restoration repair (replacement of old parts with new ones without taking into account wear of damaged parts) for foreign and domestic cars up to seven years.

A flexible system of insurance rates allows you to plan insurance costs, and for break-even customers, car insurance is cheaper from year to year.

Discounts for comprehensive insurance - from 5 to 10% for each additionally issued policy (compulsory motor third-party liability insurance, insurance of an apartment and home property or accident) for car insurance (motor hull / damage).

Special rates of motor insurance for employees of organizations - partners and customers of the City Insurance Company. Payment of insurance compensation without providing a certificate for damage to outdoor lighting and glazing of the body an unlimited number of times during the course of the insurance policy. Payment of insurance compensation without providing a certificate not only from the traffic police, but also from the Ministry of Internal Affairs (for unlawful actions of third parties): 5% of the sum insured for a car up to five years and 3% for a car from five to seven years inclusive, without limiting the number of damaged parts once during the validity of the insurance policy.

Payment of insurance compensation is made at the option of the insured in one of three ways: in cash through the cash desk of the City Insurance Company based on expert judgment; provision of restoration repair at the service station (vehicle maintenance station) in the direction of the City Insurance Company; for vehicles that are under warranty, repairs occur at the warranty station without increasing the insurance tariff.

Very flexible discount system (up to 40%), while:

there is no increase coefficient for installment payments;

there are no restrictions on gender and age of persons admitted to the management of the vehicle;

there is no prerequisite for installing search engines on expensive foreign cars;

lack of a mandatory franchise for any car, the possibility of applying a conditional franchise (discounts to the base rate of up to 20%);

the possibility of choosing a service station at the request of the insured, if the car is no longer under warranty service (using a multiplying factor).

Possibility to issue special escort programs “Economy”, “Standard” or “Exclusive”, within the framework of which the following services are offered at the client’s choice:

Departure of the emergency commissioner to the scene of an accident;

the collection of necessary certificates in the traffic police to draw up an insurance act;

call a tow truck when an insured event occurs.

Maintenance of motor vehicle insurance contracts for VIP customers at no additional cost to customers (with an insurance premium of more than $ 3, 000 and a vehicle not older than five years);

Departure to the client to conclude an agreement, to amend the policies;

personal insurance and payment manager;

obtaining the necessary certificates from the traffic police.

Free for all customers:

any advice on insurance issues;

departure and inspection of the vehicle;

pre-insurance examination and assessment;

calling an expert and drawing up a calculation of damage, if necessary, conducting an independent examination;

information on prices for materials and spare parts, as well as standards for repairs;

round-the-clock control room.

The city insurance company offers to protect your vehicle with an Avtokasko or Damage policy from the risks of theft or various types of damage. But modern automobile traffic is not only the possibility of damage or loss of your car. In addition, we recommend that you insure motor third party liability, as well as the life and health of the driver and passengers, from an accident.

Who can enter into an insurance contract?

An insurance contract can be concluded by any person who owns a vehicle on the basis of ownership, by proxy or other legal right. The cost of a motor hull insurance policy depends on the make, model and type of vehicle, duration of use, night storage conditions (secure parking, garage, unguarded parking, etc.), the presence and type of anti-theft devices, the number of persons allowed to drive the vehicle, driving experience, franchise availability, insurance period, availability of other insurance contracts with the City Insurance Company.

Where can I get car insurance policies?

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