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Various types of insurance are getting closer and closer into our lives. People insure property, life, disability, health. Of course, the car has the highest risk associated with material costs. Too many unforeseen situations happen with the cars: they can get hijacked, she can get into a traffic accident, fly off the road, damage the building. Having selected good conditions for his car, the owner protects himself from unforeseen expenses, minimizes financial liability.

How to choose insurance: CASCO or CTP?

Читать далее про то чем отличается страховка КАСКО от ОСАГО и что лучше выбрать-->

What is hull

Before entering into an insurance contract, you need to deal with its types. There are several, but the most popular are CASCO and CTP. Explain what CASCO and OSAGO, can be a simple language. When the owner of the car buys the hull insurance, it insures only his vehicle. The insurance company covers the repair of damage to the car owner if:

• there was a departure from the road;
• the unexpected happened: the ice fell from the roof or branches, torn by the wind, a stone flies out from under the wheel of a car in front;
• Car accident due to the owner;
• damage by unknown persons when staying in the parking lot or in the courtyard - scratches, torn mirrors, battered bumper.

And if theft occurred, the cost of the car is also refunded.

What is OSAGO

If we are talking about CTP, then everything is very clear. This type is mandatory in the Russian Federation, fully regulated at the federal level, covers the risks of liability that do not apply to the car owner. The decoding itself - compulsory motor third party liability insurance - speaks about the list of situations that insure car owners. That is, the company takes, in fact, the reimbursement of damage caused by the owner to another person. For example, a car became the culprit of a traffic accident, severely damaged another car, a building, a fence, a traffic light, or damaged the health and life of another person. In such cases, civil liability occurs, and the owner of the vehicle is obliged to pay damages, to cover all costs. For this purpose introduced a type of compulsory third party liability insurance.

Features of CASCO and CTP insurance

At registration of any insurance different additional factors are taken into account. A feature of CASCO is that there are more such coefficients, they do not have fixed values. If for CTP the cost is the same in different insurance companies, then CASCO will differ in price in each of them. When calculating the tariff for these types of insurance there is a list of factors: the experience of the driver, his age. And if we are talking about CASCO, then the brand of car is added here. The peculiarity of motor third party liability insurance is obligatory for everyone, an insurance policy is practically a permissive document for going on public roads.

The similarity of hull and CTP

These are very different types of insurance, but there are still similarities. They relate to the conditions for making payments, namely, the company's right not to pay damages. Any insurance can refuse to pay damages if the perpetrator of the incident was drunk or did not make a damage assessment in time.

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Differences CASCO and CTP in value

Understanding the difference between CTP and CASCO is easy enough. Firstly, the cases for which these policies apply are completely different and are described above. An important difference is the formation of tariffs, the value of the coefficients, because CASCO takes into account the cost of the car, its brand, statistics of the theft of such cars in a particular region. Because it costs more, and the other kind is cheaper.

Differences in KASKO and OSAGO payments

Also there is a big difference between CASCO and OSAGO. In motor insurance there is a maximum amount of coverage for damage to property or life, health. In the hull insurance clear limit is not approved, but it should not exceed the cost of the insured cars. It all depends on the terms of the contract - the insurance company, together with the client, themselves determine the maximum amount of payments for individual cases. At the same time, there is the concept of a franchise, when the parties agree on the coverage of repairs, damages. For example, if the franchise is set at 10,000 rubles, then for repairs worth 56,000 rubles, the insurance will refund 46,000. Estimation of the amount of compensation also takes place differently. CTP assesses damage, given the wear of the car, the ratio of its age, size of run. To say that it is better to cover the costs - CASCO or CTP in case of an accident - it is difficult.

Do policies replace each other?

The dilemma about whether to issue a CTP, if there is a hull insurance, is entrusted exclusively to the owner of the car. The last policy remains voluntary, while the first type is considered mandatory. Check out hull without CTP is possible. Insurance companies, by the way, generally do not set strict requirements for obtaining such a policy. But if the car does not have this compulsory insurance, then the owner will face a rather large fine, an unpleasant conversation with the police or twisted numbers.

What is better to choose

By and large, car owners have no choice. CTP is a mandatory form of insurance, it is not a budget alternative to any other type of policy. Receiving the policy, the owner does not insure the car itself as a property; the insurance covers liability for the damage caused. Confidently decide which is better - CASCO or OSAGO is possible. With compulsory insurance, the driver is sure that after the accident he owes nothing to anyone, and with a hull insurance there will be money for repairs. Experts believe that the best solution - the combination of policies.

Insurance companies provide a lot of lucrative offers for the purchase of joint policies. There are quite good discounts in case of accident-free driving of a car for a year or more. But you need to be very careful when concluding an agreement - companies often enter unprofitable conditions in small print or exclude from the sections the provisions of their obligations.