The life of a modern motorist is impossible without a voluntary CASCO policy. The cost of the policy is not small, and several times higher than the cost of the compulsory OSAGO policy. To obtain a policy, you must contact the insurance company. But before you sign the contract, you need to calculate the cost of CASCO yourself in order to choose exactly the insurance company that you need and we are suitable in all respects.
The cost of the policy is not determined by a single tariff system. Insurance companies offer different insurance conditions, with a significant difference in price. It is best to make calculations in 5-10 different large companies.
When calculating the cost of CASCO, it is important to know that the insurer uses the coefficients approved by the company. These are probable indicators that determine the possibility of an insured event occurring. The driver's experience, his age, technical data of the car (brand, model and year of manufacture) are taken into account.
How to calculate the cost of CASCO
In order to independently calculate the cost of an insurance policy, you need to visit the official website of the company and use a calculator to calculate CASCO.
In the calculator, you will need to select the make and model of your vehicle, year of manufacture and engine size.
After entering the data about the car, you will need to determine the insurance value. Typically, the insured value is the real market value of your vehicle for a specific period of time. It is not necessary to indicate an inflated or underestimated value, since the employees of the insurance company are well aware of the market prices for all cars.
After specifying the cost, you will need to indicate the age and driving experience of all drivers who will be allowed to drive. Remember, the less seniority and age, the greater the cost of the insurance policy.
Further, the most crucial moment is to choose the form of compensation for damage. Insurance companies offer station repairs or cash payments. Choosing the second option will increase the cost of the insurance contract.
In the process of calculating, you will also need to indicate the presence of an alarm and the place of storage of the vehicle (guarded parking lot or without restrictions at the place of storage) at night.
It remains only to click "calculate" and the cost of the voluntary contract is known.
If the company's website does not have a calculator for calculation, you can call an employee of the insurance company and make a calculation by phone. When all the amounts and conditions are known, you can choose the most profitable and go to draw up an agreement.
How to draw up a CASCO agreement
In order to get a CASCO policy, you must provide a vehicle for inspection. The car must be clean, with a full set of keys. The representative of the insurance company conducts a pre-insurance inspection of your car and, subject to all standards, accepts for insurance.
To complete the contract, you will need a passport, documents for the car, driver's licenses of all drivers who will be allowed to drive the vehicle and a sales contract (if the car is new).
The procedure for issuing a policy takes on average 20-30 minutes. When all the documents are ready, do not rush to sign. Carefully study all the columns of the policy, check the correctness of the data presented. Pay special attention to the conditions of insurance so that everything coincides with those agreed upon earlier. If you have questions, ask them to a specialist and, only after receiving a full answer, sign a contract.
After signing the contract, check your set of documents. The representative of the insurance company is obliged to give you the original CASCO policy, a receipt for payment of the insurance premium and a vehicle inspection sheet. In addition to the basic documents, the insurer must provide the rules for CASCO and contact numbers, which can be used in the event of an insured event.
