Are you thinking about protecting your car from external unpleasant factors: collisions, falling objects, illegal actions of third parties? A voluntary vehicle insurance agreement (CASCO) will come to the rescue.
CASCO is the only way to save your car and avoid unpleasant financial costs associated with damage or loss. Insurance covers a fairly wide range of risks, including:
- theft (theft) - regardless of what method the theft was carried out (secretly, openly, with or without violence);
- a collision is not only an accident involving other cars, but also with a curb, tree, etc.;
- illegal actions of third parties;
- falling of foreign objects (trees, slate, etc.);
- natural disasters (hail, floods, etc.).
Since this type of insurance is voluntary, insurance companies independently determine the conditions of insurance, as well as insurance rates. Therefore, to select the most comfortable conditions and requirements, you should contact several companies for comparison.
Directly to conclude a contract, a standard package of documents is required, including a passport or other identity document, a driver's license of all persons admitted to driving (if the contract is limited) and documents for the vehicle (TCP, vehicle registration certificate). Additionally, the insurance company may be asked to provide a purchase and sale agreement to determine the configuration of your car, a loan or a pledge agreement (if the car was purchased on credit). This is just a basic list of documents that an insurance company can request an extended list.
It should be remembered that the cost of the car is determined by agreement of the parties, and there is no need to conduct an additional assessment (insurers use NAMI directories, etc.). Many insurers quite often refuse to conclude an insurance contract for certain car models at risk, as well as vehicles older than 8-10 years.
