Used car is not seen among the leaders in the number of policies purchased by their owners hull. And the owners of new cars are often apologists savings who consider helmets for their "iron horses" unnecessary luxury. Tariffs on helmets for old machines (more than three years) only convince them of the correctness of this position. "Police helmets for my seven-year Honda Stream will cost 50 thousand rubles. A year - as much as the pay and the owner of a similar new machine. Is it fair?" - Tells a familiar car owner. Another equally categorical in their assessment: "If I had not insured too new Chevrolet Lacetti on the hull in three years, then paid to the UK half of the cost of the car." Partly they are right: if the price on a car worth half a million rubles in six years, falling by about a factor of two, this does not mean that his insurance to pay will be substantially less. Insurers have their own truth in the issue of the reluctance of owners of used cars to buy comprehensive insurance policy for their "horses". "There is a notion of" poverty threshold of insurance "- it works for car owners from seven years of age and older. If they do not have the opportunity to buy a new car, so there is no money for insurance, - said Igor Aleksandrov, deputy chief of management support to retail business IJSC Ingosstrakh - For owners of newer cars is relevant is another problem: the repair of "age" foreign car dealer is more expensive than repairing new, so for a used car insurance holder pays as much or even more than for a new car that at a lower cost of the machine is perceived negatively. " Rates of insurance from year to year, and the sum insured on the car down, and it is justified, according to Alexei Turnikov, Head of the methodology and the underwriting of motor insurance and OSAGO National Insurance Group (NSG). "For us, the cost of repairing the old and new cars is no different: the administration of a used car to a service means you can install new parts on it," - he said. Whatever it was, to insure the property after all costs, say insurers. "Psychologically, the man is hard to understand why he should pay 12%, sometimes more than 15% for insurance old car, but he should realize: it charges that his car repaired in the normal service center and put the new spare parts, - says Sergey Ryabtsev, head of underwriting and methodology of IC "Consent." - If the machine did all right - fine, but if not? losses may be much greater than the cost of insurance, even if repairs are not authorized dealers, and parts used. Discount for all In spite of the fact that the market of used cars in Russia is very large, half of Russia's fleet of passenger cars are not to be insured by reason of old age, experts say. Moreover, if some insurers are taking on the insurance machines up to 2000 model year, and others - not older than six years, the third will take even the so-called car-designers. Yet insurers are sure: the next few years the share of used cars, taken for insurance will increase. It is no accident a number of companies at the beginning of the year have reduced their rates for insurance. True, the special program for owners of used cars are still in short supply. Although it is found. Not so long ago spetskasko for cars older than 2005 release introduced the company, "Contact-insurance" (Programme "old horse"). Insured for such a program Ford Fiesta 2003 will cost a quarter less (23.8 thousand rubles.) Than the standard. Claims settlement is possible at a service station in the direction of the insurer (this option is good only if the company has no problems with payments by dealers and service station in themselves are no big queues). In addition, the cars seven to nine years of fear on a program with a 10 percent deductible for theft and total loss of the car. Typically, the cost of insurance on the car with age is falling, but in different ways. For example, the Ford Fiesta cost of comprehensive insurance for a nine-car in the other conditions will be 10-30% cheaper than new insurance. But the difference in price policy for Suzuki Liana 2007, and 2003 model year or no will, or no more than 14% in favor of used cars. But the difference in the cost of insurance for the Audi A6 and nine new cars can reach over 40% (also in favor of second-hand). Much depends on the insurer: in one three-year UK Nissan Qashqai can be insured for 700 rubles. more expensive than a new one, and the other difference will be much more tangible - cheaper by several thousand. Savings may limit the choice of special programs for used cars does not mean that to insure a cheap seedy "iron friend" is impossible. Just not always in the UK advertising focuses on the age, and agents are in no hurry to offer cheaper options: they receive a percentage of the value of the policy and try to push expensive products. Reduce the cost of comprehensive insurance can be a lot of ways, you just have a clear idea, at the expense of what you'll save and than in the case, you may have to sacrifice. The most common and also very reasonable for a neat version of the drivers - it is insurance with a deductible. The more so in individual companies (RESO-Garantia "," INTOUCH-insurance, etc.) so you can save on the cost of the policy amount, which will be bigger than the size of the franchise. Provide a franchise can be profitable, because even if the two alleged loss of your expenses will not exceed an amount equal to the cost of insurance without a deductible. Include franchise policy is wondering if the management allowed the novice driver. Usually in this case, the cost of insurance increases (60%), but when you turn the franchise tariff will not include the multiplying factor for the inexperience. Owners of old cars, to the same careful driving, fit, and the program "50 to 50. Their essence is that the company sells a policy owner of the car for half the cost ("Alfa Insurance", "Rosgosstrakh", "Contact-insurance", "Consent" and others). Here, however, should consider the following details: receiving only half pay, the insurer is sometimes responsible for the deaths and the theft of the car, but if the policyholder wishes to settle less than a major loss, he would have to pay 50% premium. If the damage is comparable with the amount needed to pay, perhaps, the driver is at his own expense to make repairs, thereby earning a discount for accident-free driving (10-15%) for insurance next year. In the UK there are different versions of such programs. Police at 30% cheaper than the usual offering under the "Cost-Insurance Company NSG. For example, when you purchase comprehensive insurance for the Volvo S80 2006 issue $ 700 thousand rubles. its price in the NSG in the standard program of 55 thousand rubles. and on the "cost-insurance" - by 20,6 thousand rubles. less. If the insurance cases during the period of the program does not happen, nothing will not have to pay extra. However, in case of loss you pay your own repayment limit (only once), which in this case amount to 20.6 thousand rubles. And the amount of damages in excess of this limit you will compensate the insurer for that matter, and damage insurance for all subsequent events . The third way - to save the same 30% of the value of the policy hull due to the fact that your insurance will be calculated solely on the two payments, while addressing them, do not have to pay extra. The proposal is interesting the vast majority of policyholders, since, according to statistics of insurers, 70% of the insured vehicles get in an accident no more than once a year. In the spring of this year, such a product Casco Smart "invited the SG Uralsib. Other ways to car owner can save on insurance of up to 40-45% and by the choice of terms "non-payment of maintenance work - such an option, in particular, offer ROSNO, Rosgosstrakh and others receive in the calculation of payment for consumables (for paint, spare parts, etc.) and then decide who to entrust repairs machines. So if your environment is a handyman Uncle Vasya, ready for half the price to repair your treasure, you will not be left at a loss. At the same protection in case of theft and total loss of the car for you remains. For example, in ROSNO insurance on such terms Suzuki Liana four with a deductible of $ 500 an experienced driver will cost only 18,4 thousand rubles. Another option is saving - get paid to repair the old car, which will be calculated on the basis of wear parts themselves (discount of 30%). So if you get in trouble with your car punctually and save the expense of the franchise - not your case, it might be a suitable option. For example, in the UK "Consent" program "Avtominimum" allows you to insure the car 30% cheaper due to the fact that the payment is considered on the calculation, in which the standard-hour is valued at only $ 20. "After receiving the money on pricing and for details of view of wear, people will always find a shop where he repaired with used parts - these have enough money", - says Sergey Ryabtsev. At GSK Ugoria on a similar program, "Economy" you will still be the aggregate sum insured (which is reduced to a certain amount with each subsequent payment), but it and the savings can reach up to 40%. That's just an insurance payment, calculated on such terms and conditions may not be enough to rebuild the car from a dealer, and it must be understood. But even such discounts is not the limit. Confident driver can be insured with the condition that he would be paid under the policy of only one insured event, then the savings would be even greater. Finally, 50% off the standard program can not do seasonal insurance policy (a choice of summer or winter). Another thing is that not all insurers are likely to offer such products for which protection is granted in certain months or even days, because they believe that they lead to an increase in fraud. "Practice shows that, if it happens on other days - they bite their elbows and comes up with, as if to make the machine under the insurance still fell", - says Alexey Turnikov. Repair is not an authorized dealer also offers the opportunity to get a discount on the hull almost any insurer. Thus, in Ingosstrakh insurance program "Optimal" on which car repairs not carried out by dealers, and in strictly defined list of technical center, collaborating with the company, will manage the policyholder up to 20% cheaper than the insurance policy to repairs from authorized dealers. Interestingly, in combination with the franchise (the product of "Autoprofi" Ingosstrakh), which will apply from the second case, the discount on insurance will account for 36% of the base rate. Sales of new cars in Russia since the beginning of the year fell by 40% and, as experts claim, is not the limit. If, before the crisis can often be found the manager with a salary of $ 2-3 thousand, and riding on a foreign car credit value equal to his annual salary, but now consumers are increasingly buying new cars instead of looking into used cars. This prompted the insurance companies (IC) offer car owners the program, more than meet the current market realities. Used cars are not noticed among the leaders in the number of policies purchased by their owners hull. And the owners of new cars are often apologists savings who consider helmets for their "iron horses" unnecessary luxury. Tariffs on helmets for old machines (more than three years) only convince them of the correctness of this position. "Police helmets for my seven-year Honda Stream will cost 50 thousand rubles. A year - as much as the pay and the owner of a similar new machine. Is it fair?" - Tells a familiar car owner. Another equally categorical in their assessment: "If I had not insured too new Chevrolet Lacetti on the hull in three years, then paid to the UK half of the cost of the car." Partly they are right: if the price on a car worth half a million rubles in six years, falling by about a factor of two, this does not mean that his insurance to pay will be substantially less. Insurers have their own truth in the issue of the reluctance of owners of used cars to buy comprehensive insurance policy for their "horses". "There is a notion of" poverty threshold of insurance "- it works for car owners from seven years of age and older. If they do not have the opportunity to buy a new car, so there is no money for insurance, - said Igor Aleksandrov, deputy chief of management support to retail business IJSC Ingosstrakh - For owners of newer cars is relevant is another problem: the repair of "age" foreign car dealer is more expensive than repairing new, so for a used car insurance holder pays as much or even more than for a new car that at a lower cost of the machine is perceived negatively. " Rates of insurance from year to year, and the sum insured on the car down, and it is justified, according to Alexei Turnikov, Head of the methodology and the underwriting of motor insurance and OSAGO National Insurance Group (NSG). "For us, the cost of repairing the old and new cars is no different: the administration of a used car to a service means you can install new parts on it," - he said. Whatever it was, to insure the property after all costs, say insurers. "Psychologically, the man is hard to understand why he should pay 12%, sometimes more than 15% for insurance old car, but he should realize: it charges that his car repaired in the normal service center and put the new spare parts, - says Sergey Ryabtsev, head of underwriting and methodology of IC "Consent." - If the machine did all right - fine, but if not? losses may be much greater than the cost of insurance, even if repairs are not authorized dealers, and parts used. Discount for all In spite of the fact that the market of used cars in Russia is very large, half of Russia's fleet of passenger cars are not to be insured by reason of old age, experts say. Moreover, if some insurers are taking on the insurance machines up to 2000 model year, and others - not older than six years, the third will take even the so-called car-designers. Yet insurers are sure: the next few years the share of used cars, taken for insurance will increase. It is no accident a number of companies at the beginning of the year have reduced their rates for insurance. True, the special program for owners of used cars are still in short supply. Although it is found. Not so long ago spetskasko for cars older than 2005 release introduced the company, "Contact-insurance" (Programme "old horse"). Insured for such a program Ford Fiesta 2003 will cost a quarter less (23.8 thousand rubles.) Than the standard. Claims settlement is possible at a service station in the direction of the insurer (this option is good only if the company has no problems with payments by dealers and service station in themselves are no big queues). In addition, the cars seven to nine years of fear on a program with a 10 percent deductible for theft and total loss of the car. Typically, the cost of insurance on the car with age is falling, but in different ways. For example, the Ford Fiesta cost of comprehensive insurance for a nine-car in the other conditions will be 10-30% cheaper than new insurance. But the difference in price policy for Suzuki Liana 2007, and 2003 model year or no will, or no more than 14% in favor of used cars. But the difference in the cost of insurance for the Audi A6 and nine new cars can reach over 40% (also in favor of second-hand). Much depends on the insurer: in one three-year UK Nissan Qashqai can be insured for 700 rubles. more expensive than a new one, and the other difference will be much more tangible - cheaper by several thousand. Savings may limit the choice of special programs for used cars does not mean that to insure a cheap seedy "iron friend" is impossible. Just not always in the UK advertising focuses on the age, and agents are in no hurry to offer cheaper options: they receive a percentage of the value of the policy and try to push expensive products. Reduce the cost of comprehensive insurance can be a lot of ways, you just have a clear idea, at the expense of what you'll save and than in the case, you may have to sacrifice. The most common and also very reasonable for a neat version of the drivers - it is insurance with a deductible. The more so in individual companies (RESO-Garantia "," INTOUCH-insurance, etc.) so you can save on the cost of the policy amount, which will be bigger than the size of the franchise. Provide a franchise can be profitable, because even if the two alleged loss of your expenses will not exceed an amount equal to the cost of insurance without a deductible.
Used car is not seen among the leaders in the number of policies purchased by their owners hull. And the owners of new cars are often apologists savings who consider helmets for their "iron horses" unnecessary luxury. Tariffs on helmets for old machines (more than three years) only convince them of the correctness of this position. "Police helmets for my seven-year Honda Stream will cost 50 thousand rubles. A year - as much as the pay and the owner of a similar new machine. Is it fair?" - Tells a familiar car owner. Another equally categorical in their assessment: "If I had not insured too new Chevrolet Lacetti on the hull in three years, then paid to the UK half of the cost of the car." Partly they are right: if the price on a car worth half a million rubles in six years, falling by about a factor of two, this does not mean that his insurance to pay will be substantially less. Insurers have their own truth in the issue of the reluctance of owners of used cars to buy comprehensive insurance policy for their "horses". "There is a notion of" poverty threshold of insurance "- it works for car owners from seven years of age and older. If they do not have the opportunity to buy a new car, so there is no money for insurance, - said Igor Aleksandrov, deputy chief of management support to retail business IJSC Ingosstrakh - For owners of newer cars is relevant is another problem: the repair of "age" foreign car dealer is more expensive than repairing new, so for a used car insurance holder pays as much or even more than for a new car that at a lower cost of the machine is perceived negatively. " Rates of insurance from year to year, and the sum insured on the car down, and it is justified, according to Alexei Turnikov, Head of the methodology and the underwriting of motor insurance and OSAGO National Insurance Group (NSG). "For us, the cost of repairing the old and new cars is no different: the administration of a used car to a service means you can install new parts on it," - he said. Whatever it was, to insure the property after all costs, say insurers. "Psychologically, the man is hard to understand why he should pay 12%, sometimes more than 15% for insurance old car, but he should realize: it charges that his car repaired in the normal service center and put the new spare parts, - says Sergey Ryabtsev, head of underwriting and methodology of IC "Consent." - If the machine did all right - fine, but if not? losses may be much greater than the cost of insurance, even if repairs are not authorized dealers, and parts used. Discount for all In spite of the fact that the market of used cars in Russia is very large, half of Russia's fleet of passenger cars are not to be insured by reason of old age, experts say. Moreover, if some insurers are taking on the insurance machines up to 2000 model year, and others - not older than six years, the third will take even the so-called car-designers. Yet insurers are sure: the next few years the share of used cars, taken for insurance will increase. It is no accident a number of companies at the beginning of the year have reduced their rates for insurance. True, the special program for owners of used cars are still in short supply. Although it is found. Not so long ago spetskasko for cars older than 2005 release introduced the company, "Contact-insurance" (Programme "old horse"). Insured for such a program Ford Fiesta 2003 will cost a quarter less (23.8 thousand rubles.) Than the standard. Claims settlement is possible at a service station in the direction of the insurer (this option is good only if the company has no problems with payments by dealers and service station in themselves are no big queues). In addition, the cars seven to nine years of fear on a program with a 10 percent deductible for theft and total loss of the car. Typically, the cost of insurance on the car with age is falling, but in different ways. For example, the Ford Fiesta cost of comprehensive insurance for a nine-car in the other conditions will be 10-30% cheaper than new insurance. But the difference in price policy for Suzuki Liana 2007, and 2003 model year or no will, or no more than 14% in favor of used cars. But the difference in the cost of insurance for the Audi A6 and nine new cars can reach over 40% (also in favor of second-hand). Much depends on the insurer: in one three-year UK Nissan Qashqai can be insured for 700 rubles. more expensive than a new one, and the other difference will be much more tangible - cheaper by several thousand. Savings may limit the choice of special programs for used cars does not mean that to insure a cheap seedy "iron friend" is impossible. Just not always in the UK advertising focuses on the age, and agents are in no hurry to offer cheaper options: they receive a percentage of the value of the policy and try to push expensive products. Reduce the cost of comprehensive insurance can be a lot of ways, you just have a clear idea, at the expense of what you'll save and than in the case, you may have to sacrifice. The most common and also very reasonable for a neat version of the drivers - it is insurance with a deductible. The more so in individual companies (RESO-Garantia "," INTOUCH-insurance, etc.) so you can save on the cost of the policy amount, which will be bigger than the size of the franchise. Provide a franchise can be profitable, because even if the two alleged loss of your expenses will not exceed an amount equal to the cost of insurance without a deductible. Include franchise policy is wondering if the management allowed the novice driver. Usually in this case, the cost of insurance increases (60%), but when you turn the franchise tariff will not include the multiplying factor for the inexperience. Owners of old cars, to the same careful driving, fit, and the program "50 to 50. Their essence is that the company sells a policy owner of the car for half the cost ("Alfa Insurance", "Rosgosstrakh", "Contact-insurance", "Consent" and others). Here, however, should consider the following details: receiving only half pay, the insurer is sometimes responsible for the deaths and the theft of the car, but if the policyholder wishes to settle less than a major loss, he would have to pay 50% premium. If the damage is comparable with the amount needed to pay, perhaps, the driver is at his own expense to make repairs, thereby earning a discount for accident-free driving (10-15%) for insurance next year. In the UK there are different versions of such programs. Police at 30% cheaper than the usual offering under the "Cost-Insurance Company NSG. For example, when you purchase comprehensive insurance for the Volvo S80 2006 issue $ 700 thousand rubles. its price in the NSG in the standard program of 55 thousand rubles. and on the "cost-insurance" - by 20,6 thousand rubles. less. If the insurance cases during the period of the program does not happen, nothing will not have to pay extra. However, in case of loss you pay your own repayment limit (only once), which in this case amount to 20.6 thousand rubles. And the amount of damages in excess of this limit you will compensate the insurer for that matter, and damage insurance for all subsequent events . The third way - to save the same 30% of the value of the policy hull due to the fact that your insurance will be calculated solely on the two payments, while addressing them, do not have to pay extra. The proposal is interesting the vast majority of policyholders, since, according to statistics of insurers, 70% of the insured vehicles get in an accident no more than once a year. In the spring of this year, such a product Casco Smart "invited the SG Uralsib. Other ways to car owner can save on insurance of up to 40-45% and by the choice of terms "non-payment of maintenance work - such an option, in particular, offer ROSNO, Rosgosstrakh and others receive in the calculation of payment for consumables (for paint, spare parts, etc.) and then decide who to entrust repairs machines. So if your environment is a handyman Uncle Vasya, ready for half the price to repair your treasure, you will not be left at a loss. At the same protection in case of theft and total loss of the car for you remains. For example, in ROSNO insurance on such terms Suzuki Liana four with a deductible of $ 500 an experienced driver will cost only 18,4 thousand rubles. Another option is saving - get paid to repair the old car, which will be calculated on the basis of wear parts themselves (discount of 30%). So if you get in trouble with your car punctually and save the expense of the franchise - not your case, it might be a suitable option. For example, in the UK "Consent" program "Avtominimum" allows you to insure the car 30% cheaper due to the fact that the payment is considered on the calculation, in which the standard-hour is valued at only $ 20. "After receiving the money on pricing and for details of view of wear, people will always find a shop where he repaired with used parts - these have enough money", - says Sergey Ryabtsev. At GSK Ugoria on a similar program, "Economy" you will still be the aggregate sum insured (which is reduced to a certain amount with each subsequent payment), but it and the savings can reach up to 40%. That's just an insurance payment, calculated on such terms and conditions may not be enough to rebuild the car from a dealer, and it must be understood. But even such discounts is not the limit. Confident driver can be insured with the condition that he would be paid under the policy of only one insured event, then the savings would be even greater. Finally, 50% off the standard program can not do seasonal insurance policy (a choice of summer or winter). Another thing is that not all insurers are likely to offer such products for which protection is granted in certain months or even days, because they believe that they lead to an increase in fraud. "Practice shows that, if it happens on other days - they bite their elbows and comes up with, as if to make the machine under the insurance still fell", - says Alexey Turnikov. Repair is not an authorized dealer also offers the opportunity to get a discount on the hull almost any insurer. Thus, in Ingosstrakh insurance program "Optimal" on which car repairs not carried out by dealers, and in strictly defined list of technical center, collaborating with the company, will manage the policyholder up to 20% cheaper than the insurance policy to repairs from authorized dealers. Interestingly, in combination with the franchise (the product of "Autoprofi" Ingosstrakh), which will apply from the second case, the discount on insurance will account for 36% of the base rate. Sales of new cars in Russia since the beginning of the year fell by 40% and, as experts claim, is not the limit. If, before the crisis can often be found the manager with a salary of $ 2-3 thousand, and riding on a foreign car credit value equal to his annual salary, but now consumers are increasingly buying new cars instead of looking into used cars. This prompted the insurance companies (IC) offer car owners the program, more than meet the current market realities. Used cars are not noticed among the leaders in the number of policies purchased by their owners hull. And the owners of new cars are often apologists savings who consider helmets for their "iron horses" unnecessary luxury. Tariffs on helmets for old machines (more than three years) only convince them of the correctness of this position. "Police helmets for my seven-year Honda Stream will cost 50 thousand rubles. A year - as much as the pay and the owner of a similar new machine. Is it fair?" - Tells a familiar car owner. Another equally categorical in their assessment: "If I had not insured too new Chevrolet Lacetti on the hull in three years, then paid to the UK half of the cost of the car." Partly they are right: if the price on a car worth half a million rubles in six years, falling by about a factor of two, this does not mean that his insurance to pay will be substantially less. Insurers have their own truth in the issue of the reluctance of owners of used cars to buy comprehensive insurance policy for their "horses". "There is a notion of" poverty threshold of insurance "- it works for car owners from seven years of age and older. If they do not have the opportunity to buy a new car, so there is no money for insurance, - said Igor Aleksandrov, deputy chief of management support to retail business IJSC Ingosstrakh - For owners of newer cars is relevant is another problem: the repair of "age" foreign car dealer is more expensive than repairing new, so for a used car insurance holder pays as much or even more than for a new car that at a lower cost of the machine is perceived negatively. " Rates of insurance from year to year, and the sum insured on the car down, and it is justified, according to Alexei Turnikov, Head of the methodology and the underwriting of motor insurance and OSAGO National Insurance Group (NSG). "For us, the cost of repairing the old and new cars is no different: the administration of a used car to a service means you can install new parts on it," - he said. Whatever it was, to insure the property after all costs, say insurers. "Psychologically, the man is hard to understand why he should pay 12%, sometimes more than 15% for insurance old car, but he should realize: it charges that his car repaired in the normal service center and put the new spare parts, - says Sergey Ryabtsev, head of underwriting and methodology of IC "Consent." - If the machine did all right - fine, but if not? losses may be much greater than the cost of insurance, even if repairs are not authorized dealers, and parts used. Discount for all In spite of the fact that the market of used cars in Russia is very large, half of Russia's fleet of passenger cars are not to be insured by reason of old age, experts say. Moreover, if some insurers are taking on the insurance machines up to 2000 model year, and others - not older than six years, the third will take even the so-called car-designers. Yet insurers are sure: the next few years the share of used cars, taken for insurance will increase. It is no accident a number of companies at the beginning of the year have reduced their rates for insurance. True, the special program for owners of used cars are still in short supply. Although it is found. Not so long ago spetskasko for cars older than 2005 release introduced the company, "Contact-insurance" (Programme "old horse"). Insured for such a program Ford Fiesta 2003 will cost a quarter less (23.8 thousand rubles.) Than the standard. Claims settlement is possible at a service station in the direction of the insurer (this option is good only if the company has no problems with payments by dealers and service station in themselves are no big queues). In addition, the cars seven to nine years of fear on a program with a 10 percent deductible for theft and total loss of the car. Typically, the cost of insurance on the car with age is falling, but in different ways. For example, the Ford Fiesta cost of comprehensive insurance for a nine-car in the other conditions will be 10-30% cheaper than new insurance. But the difference in price policy for Suzuki Liana 2007, and 2003 model year or no will, or no more than 14% in favor of used cars. But the difference in the cost of insurance for the Audi A6 and nine new cars can reach over 40% (also in favor of second-hand). Much depends on the insurer: in one three-year UK Nissan Qashqai can be insured for 700 rubles. more expensive than a new one, and the other difference will be much more tangible - cheaper by several thousand. Savings may limit the choice of special programs for used cars does not mean that to insure a cheap seedy "iron friend" is impossible. Just not always in the UK advertising focuses on the age, and agents are in no hurry to offer cheaper options: they receive a percentage of the value of the policy and try to push expensive products. Reduce the cost of comprehensive insurance can be a lot of ways, you just have a clear idea, at the expense of what you'll save and than in the case, you may have to sacrifice. The most common and also very reasonable for a neat version of the drivers - it is insurance with a deductible. The more so in individual companies (RESO-Garantia "," INTOUCH-insurance, etc.) so you can save on the cost of the policy amount, which will be bigger than the size of the franchise. Provide a franchise can be profitable, because even if the two alleged loss of your expenses will not exceed an amount equal to the cost of insurance without a deductible. Include franchise policy is wondering if the management allowed the novice driver. Usually in this case, the cost of insurance increases (60%), but when you turn the franchise tariff will not include the multiplying factor for the inexperience. Owners of old cars, to the same careful driving, fit, and the program "50 to 50. Their essence is that the company sells a policy owner of the car for half the cost ("Alfa Insurance", "Rosgosstrakh", "Contact-insurance", "Consent" and others). Here, however, should consider the following details: receiving only half pay, the insurer is sometimes responsible for the deaths and the theft of the car, but if the policyholder wishes to settle less than a major loss, he would have to pay 50% premium. If the damage is comparable with the amount needed to pay, perhaps, the driver is at his own expense to make repairs, thereby earning a discount for accident-free driving (10-15%) for insurance next year. In the UK there are different versions of such programs. Police at 30% cheaper than the usual offering under the "Cost-Insurance Company NSG. For example, when you purchase comprehensive insurance for the Volvo S80 2006 issue $ 700 thousand rubles. its price in the NSG in the standard program of 55 thousand rubles. and on the "cost-insurance" - by 20,6 thousand rubles. less. If the insurance cases during the period of the program does not happen, nothing will not have to pay extra. However, in case of loss you pay your own repayment limit (only once), which in this case amount to 20.6 thousand rubles. And the amount of damages in excess of this limit you will compensate the insurer for that matter, and damage insurance for all subsequent events . The third way - to save the same 30% of the value of the policy hull due to the fact that your insurance will be calculated solely on the two payments, while addressing them, do not have to pay extra. The proposal is interesting the vast majority of policyholders, since, according to statistics of insurers, 70% of the insured vehicles get in an accident no more than once a year. In the spring of this year, such a product Casco Smart "invited the SG Uralsib. Other ways to car owner can save on insurance of up to 40-45% and by the choice of terms "non-payment of maintenance work - such an option, in particular, offer ROSNO, Rosgosstrakh and others receive in the calculation of payment for consumables (for paint, spare parts, etc.) and then decide who to entrust repairs machines. So if your environment is a handyman Uncle Vasya, ready for half the price to repair your treasure, you will not be left at a loss. At the same protection in case of theft and total loss of the car for you remains. For example, in ROSNO insurance on such terms Suzuki Liana four with a deductible of $ 500 an experienced driver will cost only 18,4 thousand rubles. Another option is saving - get paid to repair the old car, which will be calculated on the basis of wear parts themselves (discount of 30%). So if you get in trouble with your car punctually and save the expense of the franchise - not your case, it might be a suitable option. For example, in the UK "Consent" program "Avtominimum" allows you to insure the car 30% cheaper due to the fact that the payment is considered on the calculation, in which the standard-hour is valued at only $ 20. "After receiving the money on pricing and for details of view of wear, people will always find a shop where he repaired with used parts - these have enough money", - says Sergey Ryabtsev. At GSK Ugoria on a similar program, "Economy" you will still be the aggregate sum insured (which is reduced to a certain amount with each subsequent payment), but it and the savings can reach up to 40%. That's just an insurance payment, calculated on such terms and conditions may not be enough to rebuild the car from a dealer, and it must be understood. But even such discounts is not the limit. Confident driver can be insured with the condition that he would be paid under the policy of only one insured event, then the savings would be even greater. Finally, 50% off the standard program can not do seasonal insurance policy (a choice of summer or winter). Another thing is that not all insurers are likely to offer such products for which protection is granted in certain months or even days, because they believe that they lead to an increase in fraud. "Practice shows that, if it happens on other days - they bite their elbows and comes up with, as if to make the machine under the insurance still fell", - says Alexey Turnikov. Repair is not an authorized dealer also offers the opportunity to get a discount on the hull almost any insurer. Thus, in Ingosstrakh insurance program "Optimal" on which car repairs not carried out by dealers, and in strictly defined list of technical center, collaborating with the company, will manage the policyholder up to 20% cheaper than the insurance policy to repairs from authorized dealers. Interestingly, in combination with the franchise (the product of "Autoprofi" Ingosstrakh), which will apply from the second case, the discount on insurance will account for 36% of the base rate.
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