Car insurance is a rather complex issue that each driver decides for himself. Naturally, we are talking about voluntary insurance policies - CASCO. It is believed that this kind of insurance is a reliable protection against all troubles. However, practice shows that in reality, this is not always the case.
Especially often, the question about buying a voluntary CASCO insurance policy arises from novice drivers with minimal experience. And this is quite justified. After all, they are afraid to go out into the streets, they worry that due to inexperience they can scratch their car, etc. However, experts advise beginners to take their time and calculate everything well.
Experts assure that novice drivers are the most desirable clients for insurance. And the point is not at all that they are the last to show concern. They just calculate higher rates for newcomers.
Is it profitable or not to take a CASCO policy for beginners
To have a new good car and want to insure it against various troubles is a normal desire of any driver, be it a beginner or an experienced person. Driver's experience is one of the points that affect the cost of insurance. This is due to the fact that a newcomer is not yet very confident on the road, while driving, he can be easily cut off, due to inexperience he can become a victim of car fraudsters. Therefore, insurance companies protect themselves in advance, trying to calculate all possible risks and include them in the cost of the policy.
It is wrong to think that such measures are applied to drivers only in Russia. Abroad, hull insurance for inexperienced motorists can be up to 50% of the total cost of a car.
Increasing experience, for example, up to 3 years, will allow you to somewhat reduce the cost of insurance. And the more experienced you become, the more tangible the savings will be.
In addition to the driving experience, the driver's age is also taken into account. So, for example, the most expensive will be a CASCO policy for an 18-year-old person who has just received the right to drive a car.
Why beginners need CASCO
Despite the fact that a novice driver overpays when applying for a comprehensive hull insurance, you should not refuse such insurance. After all, road accidents occur more often today, their consequences are more complicated, repairs are more expensive. And the number of thefts and arson is also not on the decline. Therefore, it is worth trying and collecting the required amount for insurance.
Novice drivers need CASCO more than experienced ones. And this is due not only to the fact that they have little experience on the road and in a controversial situation it will be difficult for them to navigate, but also because many beginners, having traveled for several months calmly and without problems, relax, begin to feel more confident for driving and losing their guard.
The only thing you need to be very careful about the proposed conditions for insurance. For example, insurance companies like to offer the client complex insurance options behind complex formulations, impose additional, not always necessary services, and hide important information on discounts and savings options.
Whether or not to buy a CASCO policy is everyone's personal business. But before giving up on it, weigh the pros and cons well.
