Tetyana Shchucheva, director of the insurance company “Express Insurance” is asked to inform.
Tetyana Shchucheva, director of IC “Express Insurance”
Tetyano Andriivno, who richly said about people like CASCO. But both, let’s guess for a moment, what kind of people this policy protects – maybe, if you know from your own list the ones you need.
CASCO – voluntary car insurance. The main goal of CASCO is to protect the client from financial losses related to the current situation of the most common risks. Tse accident, damage to a car by unrecovered people, stolen cars, damage to a car as a result of the flow of the mind of the weather or falling on objects and so on.
In the past, you respect that CASCO’s policy is to end a gnuchka tool. I spread tsiu gnuchkіst … in pennies. How many times can you apply for a policy on the same car?
Let’s take for the Toyota RAV4 2020 butt the choice of the year, the number 30 yew. dollars or UAH 1.16 million. We can offer the client three options for CASCO insurance.
The first option is CASCO with the highest coverage of risks. This includes road accidents, defense against third parties, falling objects, fire, theft, spontaneous display, attack by creatures, compensation for damage in evacuation between up to 2 yew. UAH without obmezhennya by the number of times. If so, the change of water, where rozpovsyudzhuetsya CASCO insurance, not obmezheniya kіlkіstyu and їkhnіm dosvidom. Franchises are charged at 0% on all risks, except for loss of total loss – after these, a franchise of 5% is required.
Such a program allows you not to call the police at the time of an accident, so as not to overdraw the sum of 100 thousand. hryvnia dvіchі in rіk і without obmezhen for kіlkіstyu razіv, yakshcho podіya can be framed for additional europrotocol. The territory of the agreement is Ukraine and Europe.
Vartist CASCO for such a program will be 11.4 thousand. UAH per quarter or 45.8 ths. UAH per rec.
Another option is the CASCO in 50/50 option with the same change in protection against risks. The uniqueness of this program lies in the fact that the first part of the payment (50%) is paid by the client once to the insurance, and the rest – only as a result of the transfer of risks. In this way, as if by extending the contract there is no chance of unacceptable, our client can save 50% of his money.
We take the most popular franchise of 0.5% on all risks, okrimennya total rejection (in the rest of the time – 7%). Respectfully, scho can be assured in water transfer clarification with experience of 3 years.
Such a program allows you not to call the police at the time of an accident without obmezhen for a number of times, so it can be provided for the help of Europrotocol, which is car insurance registration at the official Toyota service station. The territory under the agreement is Ukraine. Vartist CASCO for such program warehouse 19.6 yew. hryvnia per river with thinking in daylight hours.
The third option is CASCO with insurance coverage, a franchise of another option, but without insurance coverage “Vikradennya”. Warehouse fee 33,292 ths. UAH
Tobto, such a policy is available, it is accepted to respect it. But for the snorer, what’s the difference?
The main parameters that should be added to the type of CASCO (okrim, zvіsno, brand/model/year of release of the car) are the price of the car and the franchise. Moreover, for a zero franchise, you have to pay 25-30% more expensive. Quickly, the tariff will increase, so that the client receives the maximum transfer of the insured risk and will not be a mother of water. Also zbіlshuє vartіst policy expansion of the territory covered by Europe (up to 15-20%), vіdnovlennya car at the official service station. Apparently, if the client is subject to these options, the CASCO rate changes for the new one.
Our 15th insurance report showing that it makes no sense to tell the client “125 thousand.” program insurance – few facilitate. That is why we are caught in the “golden mean”: we promote 4 CASCO programs and we see the visualization of their main authorities on our site. Rozrahunki for programs helps the manager.
Also, CASCO is the right builder from a wealth of elements. Before the speech, if they did not remove the respect from them, who wants to save? Please, be kind, according to your professional knowledge.
In this respect, one of the most widely used insurance policies is the diversity of the insured car. Due to the collapse of the hryvnia exchange rate to the dollar in 2022, absolutely all cars in Ukraine have grown significantly in hryvnia vartost – at least 20%.
Oskіlki varіst avtomobilіya – osnovna warehousing, scho vilvaє varіstі hull, part of our clients during the extension of insurance contracts, they changed її at the same level. The insurance premium is not at the same level as the market – paying the insurance premium in proportion. So, if you insured the car, let’s say, for 75% of the total cost in UAH, then including the insurance coverage of the insurance company, you have to pay 75% of the total overdue insurance. To that, like me – tse like a “savings”.
It is important to note that clients of our insurance company will deduct 100% of the insurance premium due to payment, as an increase in the dollar exchange rate during the CASCO agreement. Therefore, with the increase in the value of an insured car, we do not pay the “underinsured” proportion. Tse is a proof of our crazy loyalty to customers and the reasonable situation, in which we have to live, form business-like blues and human face. However, during the contract extension period, I am hesitant to promote market diversification in adjusting the current NBU exchange rate.
For example, in May, there were no insurance problems for the CASCO agreement. This is a pity, the reason for this is often the breakdown of the method of car drivers before the UK. Possibly, inexplicably, ale … Then guess, be kind, please please the classic method, what work, like at the scene of the accident, say, no sound.
A stressful situation, such as an accident or other unacceptable podії s car, crazy, vplyaє vplyaє v vodіїv nezalezhno vіd їkh dosvіdu keruvannya. With this very fact, in IC “Express Insurance” there is a support line in 24/7 mode.
For clarity, I guess a simple animal algorithm. As soon as the client becomes aware of the insurance case, he should call his insurer, getting advice and recommendations according to the situation. Tse dopomozhe niknuti distant pardons.
If there is no link in place, then for the sake of our clients, we need to get the picture in detail on a smartphone – to make pictures from different angles, video. But for the first time, I know the same, call the UK.
If the client is unable to work particularly hard within 3 working days, we will help you arrange a permit in the future. IC specialist “Express Insurance” sent the necessary forms for filing for the help of a manual messenger or electronic mail, as well as for the necessary transfer of documents, which must be added.
Source: korrespondent
I’m Liza Grey, an experienced news writer and author at the Buna Times. I specialize in writing about economic issues, with a focus on uncovering stories that have a positive impact on society. With over seven years of experience in the news industry, I am highly knowledgeable about current events and the ways in which they affect our daily lives.