Drivers interested in the safety of their car, they want some way to insure it.
Today, car insurance does not take a lot of time and money.
Today, insurance companies are willing tooffer two types of insurance vehicles: MTPL and CASCO. CTP (compulsory third party liability insurance) is compulsory for all type of insurance of car owners and Hull can be purchased on request. It is worth a closer look at these two types of insurance.
What is the cost of CTP
Once a year, any motorist or motorcyclistmust renew the MTPL policy. If you do not, they could be fined a decent amount. CTP cost is calculated in a special way: it depends on the age and type of vehicle, driver age, duration of accident-free driving and vehicle registration. For example, if a person living in the Saratov region, want to buy liability insurance policy tool in an old Lada, he'll have to pay about 3 thousand rubles. The owner of the new foreign cars registered in Moscow, will have to pay for this insurance is already 6-8 thousand rubles.
It should be noted that the driver can getcompensation only in the event that he is not responsible for an accident. If at the time of the accident affected only his car, he can get 120 thousand rubles, and if more people affected, the 160 000 rubles.
Calculate the exact cost of CTP insurance policy, you can with the help of an insurance agent or on a dedicated website, where there is a cost calculator CTP.
What is the cost of CASCO
CASCO (comprehensive car insurance,except liability) is a voluntary kind of car insurance. Of course, the cost of hull insurance policy will be many times greater than the amount spent on the CTP. The main advantage is the ability to Hull to make any insurance claims (for example, you will be able to insure a car from a tree collapsed during the hurricane damage or icicles falling from the roof in the winter season).
To say the exact cost of hull insurance, in contrast to theCTP is impossible. Usually the price of such insurance can vary from 4 to 12% of the total cost of the car. Thus, the owners of new cars will have to fork out considerably. The cost of hull insurance will be greater if the insurance is issued on the young driver, who for years got into an accident. The lack of an alarm or a special car storage space in the dark also increase the cost of hull insurance. Find out the exact cost of hull insurance for your car, you can at any insurance company that deals with car insurance.