You insure your car for case of injury (risk insurance of “Damage”, you believe that they will pay you for all the parts in case of injury? You may be very much mistaken… How to avoid such situations when insuring your car? The first recommendation is banal: before you put the sum (and sometimes not […]
You insure your car for case of injury (risk insurance of “Damage”, you believe that they will pay you for all the parts in case of injury? You may be very much mistaken…
How to avoid such situations when insuring your car?
The first recommendation is banal: before you put the sum (and sometimes not very small) for car insurance from damage (risk of “damage”, do not be lazy to spend half an hour for reading of the rules of insurance.
It is clear that the text of the rules is not fashionable detective – but if you do manage to force yourself to create this wonderful feat, then you can find many interesting and useful things. Pay attention to things that are interesting for you; it is the insurance of additional equipment installed on the car.
What do they write in the rules of insurance about subject that you are interested in?
Some insurance companies believe that any equipment of the car (that installed not on the assembly line at its assembly) is not covered by insurance against damage to the car (insurance risk of “injury”.
It means, that to insure alloy wheels, good tires and all the other wonderful things that you (or the previous owner of the car) equipped on your car, (I’m not talking about “deep” tuning of car), the fact of their insurance should be specified in the insurance contract (insurance policy) separately. Different insurance companies draw this insurance in their way.
Most insurers will ask you to insure all “non-native” parts of the car at particular risk, called “extra equipment” or “damage to additional equipment.” To do this they will include in the insurance contract a description of any additional elements (components, assemblies), indicating their value; and then you will have to pay appropriate insurance premium.
Here the main task of the car owner is to remember what additional details, parts and assemblies his car has what standard he changed to the tuning. If you forget to remember something, then the insurance company may not to pay for the injured additional details, and for improved set instead of nominal, in the best case, will pay as a regular (e.g., instead of the value of cast light alloy disc they will pay the price of fabricated steel).
The second recommendation is valuable: If you don’t want to spend your time reading the rules, but you want to find the truth – ask for advice from the man who knows the conditions of insurance of specific insurance company.
Let me assume that as the source of information you can choose a person who is going to sell you an insurance policy, i.e. an insurance agent or insurance broker or a girl, that issue policies at the central office of the insurer … If you, of course, sure in his confidence, in his competence. I will say more – the rules of insurance often do not reflect many important points, which together constitute the so-called quality of insurance product. Well, yes it is a topic for another discussion.
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