CASCO insurance - This is a rather complicated matter. Say, in OSAGO there is a basic tariff and correction factors. But with CASCO, where there are much more options for choosing the right insurance product, choosing an insurance company is often much more difficult. Therefore, unlike CTP, for CASCO such a rating will be very relevant.
10. Examine Insurance Company Ratings
There are many such ratings on the Internet, moreover, compiled for a variety of reasons. Someone compiles the ratings of insurers according to their gross income, someone - according to reviews of insurers, someone uses several grounds and issues a comprehensive rating.
9. Never believe ratings!
In the sense that do not consider them the ultimate truth. Studying ratings certainly makes sense. Sometimes ratings are made objectively, but sometimes based on someone’s specific interests. Therefore, be careful and critical.
8. Carefully read reviews about insurers
Serious work is worth doing here. It is necessary for each pre-selected insurer to collect as much information as possible issued by the insured. Moreover, when studying reviews, try to weed out emotions - perceive exactly the texture. And read reviews on specific situations that you think might happen to you.
7. Never believe reviews!
Again: do not believe it because they are all deceitful and bad. But two factors must be taken into account. The first is purely psychological: most people will write more about what upset them than about something joyful. It’s just how a person works. Nevertheless, we also pay close attention to critical reviews. The second factor is geographical. An insurance company, of course, may not be good in general, but usually a lot depends on the particular unit, its team and the rules instituted there. Look for reviews specifically about those departments of insurers where you intend to insure.
6. Learn about your unit from friends
In fact, this is a continuation of paragraph 7. Ask friends about how and where exactly they were insured under CASCO, what suits them or does not suit them at the insurer. This is closer to reality.
5. Never believe your friends!
In the sense that they could choose a policy solely by cost factor. But we are interested in something else!
4. Carefully study the contents of the policy
Namely: read and analyze the insurance risks indicated in it, the size and type of deductible, the reasons for the refusal to pay insurance compensation, etc. Otherwise, no matter how tempting the results that the CASCO calculator will produce look like, in the event of an insurance event, you can get nothing at all or get some pennies.
3. Never believe the contents of the policy!
And again - not that you do not believe at all. But in addition to the CASCO insurance policy itself, each insurance company has its own insurance rules and insurance program. And their conditions can be much more stringent than the conditions specified in the policy! The policy always has references to these documents, but almost no one reads them. And very vain.
2. Use online calculators
The CASCO calculator is a very convenient thing that is easy to use. There are a lot of them on the Internet, there are also universal calculators that calculate several insurance companies at once.
1. Never believe in online calculators!
Even insurance companies themselves sometimes write on their websites that the final value issued by the CASCO calculator is approximate and indicative. In fact, albeit a small one, but a difference with real numbers can form.
It just so happened that all the tips given in the even points of our rating will really help you in choosing a CASCO tariff. And the odd points will remind you that this choice must be made on the basis of a comprehensive study of the information. After all, your case is always unique.
