New auto insurance

The insurance company is usually not responsible for the "second language" additional equipment and tuning the car, if they are not insured under the additional agreement or application.




* If additional parts and assemblies are not installed at the factory, they are often not covered by insurance against damage to the car. "The risk of" damage "only applies to additional equipment in case the insured motorist it along with his vehicle on the hull as the" extras "- says Eugene Cheremenin, vice-president of" Alfa Insurance ", the director of the Southern Regional Center of the company.
Otherwise, get paid in case of loss, damage equipment, or parts of tuning in a traffic accident, theft, fire, natural disasters will not work.
Market participants argue that the standard contracts with major insurers are quite acceptable for the citizens and cover most of the possible risks. Not all motorists are aware that insurance costs can include not only purchase but also for the installation of all elements.
This is important, that is? K Installation is often more expensive than the equipment itself. The cost of insuring additional equipment does not depend on the make and model of car, length and age of drivers. It only affects the type of parts or devices (external kit, media, or other equipment).




It is believed that from the standpoint of the insured risk exposure in the event additional equipment is quite high. So fares it is generally higher than in the vehicle hull. Those who wish to compare the prices and terms from different insurers can apply to insurance brokers - they usually work with several companies and can calculate each proposal separately.
Age appreciate


The procedure for obtaining benefits under the insurance option coincides with the general criteria for payments under the hull (the list of documents, the term of their submission and consideration - do not differ).


When calculating the amount of payments to the insurance company will take into account wear and tear. In the first year will pay 20% in the second - 15%, the third and subsequent years - 12%. The only exception is audio and video equipment. She has a depreciation rate 20% per annum of the sum insured. By the way, the damage caused to the vehicle during various sporting events, is not refundable.