Car insurance when you cross the cordon: everything is right

Tetyana Shchucheva, director of the insurance company “Express Insurance” is asked to inform.

Tetyana Shchucheva, director of IC “Express Insurance”

Tetyano Andriivno, let’s fix some understanding. Persh for everyone, zagalnovіdoma Green card – is it an analogue of CASCO or Avtotsivіlki? Maybe those and more at the same time?

Zelena Karta (ZK) – international Avtotsivіlka, third party liability insurance. It is impossible to protect a wet car from the police.

For valuable roz’yasnennya, ale, shards, Zelena’s mother’s card is required at the time of crossing the cordon, more dekilka food for her. Chi bude koshtuvati avtovlasnik more expensive, lower Avtocivіlka in Ukraine? Can you explain, what is the price difference?

Vidminnosti mizh ZK and Avtotsivіlkoy pochinayutsya naka zі line ії polisіv. I think the policy of Avtocivilki in Ukraine for registering cars can only come down the river. At the same time, the quotation can be given within 15 days, from 1 month to 1 date. If you want to pay the difference of the river ZK from the river Avtocivilkoy, then the first cost is more expensive.

For example, you have a passenger car with an engine capacity of 2 liters. If the place of registration is Kiev, Avtocivilka costs UAH 2,652 (with a franchise of UAH 0). And if the wines are registered, say, in Myronivtsi – you will pay 884 UAH for Avtotsivilka for such a car. I indicated the prices for Avtocivilka in the form of IC “Express Insurance” with an affirmation of 03/27/2023.

If you plan to visit your car for the cordon, it will cost you 8 333 UAH (without cover on the territory of Azerbaijan and Moldova).

Such a competitive difference is due to the fact that Avtocivilka in Ukraine is only on the territory of our state, and ZK flies to more than 40 countries. The latest translation can be found here.

What is the difference in which insurance company buys a Green Card? What will the prices be?

At the moment, the right to sell ZK can be 11 insurers, but the option found among them is not spectacular, but MTIBU will establish a single variant of ZK for all insurers, as well as limits of skin area participating in the Green Card system itself. Therefore, 11 insurers, in fact, show the client exactly the same for the rate and for the policy cover. In the case of skin SC, it is helped to provide the client with a special turbo – a support line, consulting help, then.

So now we realize that to bring from ZK a powerful car across the cordon is left without protection. Tom CASCO, somehow seems like a “must have”. Tim looks more at the prices of European technical stations …

Same way. Before the speech, not long after, an Italian service station prepared a job for us to repair the front part of the Maserati car. So, the axis, local specialists were able to collect a sum of money for more than 70% of the cost of the car itself! Vіdpovidno before the insurance contract, it means that the car is completely damaged and does not require repair. That is why, together with the client, we decided to bring the car to Ukraine and repair it here. In the official Ukrainian dealership of Maserati, 40% of cars were sold to the client. That difference is more obvious.

At first glance, there is a perfect picture of a European car service – friendly hostess at the service station, friendly service managers, fast and yakіsny repair … But in fact, in 90% of application outside the cordon, our clients were able to express the whole truth – in Mayzhe daily rіven service, in what a stench they resounded in Ukraine. For a long time, I looked around the car, nekvaplivi maistri z їх sієstami, і tsіni, scho to inject into a stupor of Ukrainian autovlasniki.

Before speaking, chi obov’yazkovo to fix the car itself behind the cordon? Is it possible, with an eye on the said, to return the car to Ukraine and repair it at home?

Solutions for repairs beyond the cordon are accepted at the client’s first turn. It is necessary to make a decision, vrakhovuychі us in front of two main warehouses: chi safe koristuvatsya car after the insurance claim, so that there are some serious losses, that chi is fit for repairing the car outside of cordon.

Have any kind of fahіvtsі our IC always supports the client’s decision on the regulatory side. І yakscho є sens to repair a car in Ukraine, such an emergency commissioner can be discussed with your client. For example, not long ago, on a tow truck in Ukraine, they brought CASCO insurance for a car. A large part of the compensation for the evacuation was paid by our IC in accordance with the contract. The main reason for this car turn is the total crowd.

So, the solution for repairs when you return to Ukraine, our insurers are sound to be accepted in the case of minor damages – dents, dents, cracks in the headlights or headlights.

And how to return the broken car back to Ukraine? How much can you spend on a tow truck, what documents do you need to carry at once in a car? Other nuances?

For returning a damaged car to Ukraine for an additional tow truck, it is necessary to check with the police, which you will need to show when crossing the cordon. Also, the mother needs a technical passport for the car.

I respect that our clients don’t have to brag and do all the self-pity. We organize a convenient logistical port: in the nearest place in Ukraine of insurance, a car is transported by a foreign contractor;

The cost of transportation is from 1000 euros to 4000 euros in autumn in the countryside, so you have to take the car. I also realized that a tow truck visit would be less logical in the event of a major loss, total and border-total collision.

In the case of total congestion, if the repair is not economically sufficient, the car transport in Ukraine is obligatory for the appearance at the MVS Service Center.

Good, if the client can pay for the support of the insurance company. Before speaking, but you can help formal road accidents abroad? So that you can show someone’s brokenness, what is the value of a broken car in another country …

Behind the cordon, the principles of issuing insurance claims are similar: it allows you to issue a Europrotocol, the easiest way for two participants in an accident to come up with the right parties, who has fault, and who is injured. . In other situations, it is better to call the police.

The head that folds, with which our spivvitchizniki stick together – ignorance of the language, ignorance of the laws of another country. By tse people brag, feel themselves ruined.

And for our clients, in such situations, always help fakhivtsі z tsіlodobovoї іnії pіdtrimki and online – emergency commissioner. We can call for help to move, if needed.