We have already written quite a lot about car insurance: the proposed types of vehicle insurance, various aspects and nuances were considered in detail. And yet, from time to time our readers have a lot of additional questions. For example, how to insure a car, how much it will cost, what documents are required to draw up an insurance contract, in which cases the company does not pay compensation, etc.
Therefore, today we will try to cover the car insurance procedure as much as possible, taking into account some factors that affect the conditions of insurance.
Currently, over 300 insurance companies are registered in Ukraine, each of which is engaged in voluntary motor vehicle insurance. That is, theoretically, you can choose from a large number of offers. In practice, you will come across the fact that there are only about a dozen large and medium-sized insurance companies that are actively working with clients and offer various insurance products. As a rule, such companies have a number of representative offices and branches in various regions of our country, which greatly simplifies the search for the client. In addition, to a certain extent, this demonstrates how dynamically the company is developing, and characterizes its strategy in the market. In addition, the presence of a wide branch network of the insurance company will allow the client to quickly resolve the incident that happened to him in the region. About,
The car insurance procedure is quite simple and consists of several stages. The first stage is documentation. First of all, you will need to fill out an application for insurance. Typically, such a statement is in the prescribed form and is an integral part of the insurance contract, that is, those items that will be noted in the statement will supplement the terms of the contract. This document is important not only for the insurance company, but also for the client, so its completion should be taken with all responsibility and attention. We especially recommend paying attention to the conditions of car storage at night. As a rule, this is the period from 00.00 to 06.00. The client is always offered to indicate the place where his car will be at this time. It can be a guarded / unguarded garage, underground parking in the house, guarded parking or just a street. Of course, the latter option will increase the cost of the insurance policy, but you can leave the car on the street anywhere. True, and here you still should not forget that this is still your favorite car, and you should take care of its safety no less than an insurance company.
Unfortunately, sometimes customers do not quite understand what is meant by the concept of "guarded parking". Leaving the car near some store or embassy, where for 3-5 UAH. the caretaker undertakes to look after the car, do not think that your property is under reliable protection. In fact, in case of theft or damage to the car, no caretaker will be liable for this. Therefore, at night, we still recommend leaving the car in a guarded parking lot. This concept is interpreted within the framework of the current legislation as a territory allocated for the storage of cars, fenced, with restriction of exit through the checkpoint. At the same time, a log book must be kept at the parking lot, where the time of entry / exit of each car is recorded. In this case, you will have real proof that that at a certain time the car was in the parking lot. Accordingly, the insurance company will be obliged to pay compensation upon the fact of theft.
Many insurance companies will ask you to list on your insurance application any person who may be driving your car, as well as their driving history. This will allow the insurance company to more accurately assess the real risk and provide you with the correct rate ...