When drawing up a comprehensive insurance contract, you need to pay attention to the list of insured events and the price of the policy. In this respect report Izvestia cites independent transport industry expert Alexey Tuzov.
“The contract may specify a specific risk of ‘theft of a vehicle without documents and keys’ and the insurance company may deny insurance payments if the car is stolen with documents in the glove compartment,” he said.
Also, according to Tuzov, the buyer must have been confused because the price of the comprehensive insurance policy was too low. Usually the cost of the policy is 40-60 thousand rubles. If the price is lower, there is a possibility that the insurer will specify in the contract only very rare risks of damage to the vehicle. However, the policy does not include theft, fire and accident insurance.
Before this drivers caught The Russian Association of Automobile Insurers (RUA) adds non-existent traffic accidents to personal history, so the bonus-badness ratio (BMR) and the cost of the MTPL policy increase sharply. In particular, a person living in Moscow, when buying an MTPL policy, pays attention to the fact that the “bonus-malus” coefficient, which reduces the cost of the policy in case of accident-free driving and increases it in case of accident driver error, the minimum value is from 0.46 to 1.17, and the cost of insurance is 14 It increased from 25 thousand rubles. This was because two accidents emerged in the policyholder’s past that did not actually occur.
Previously reportedthat fines to cells for the absence of compulsory traffic insurance will not exceed 800 rubles per day.