Insurance sites offer you a big discounts of Liability Insurance and registration “almost for nothing”!? During 5 minutes on any type of insurance? The prospect of purchase is tempting, but what are the consequences? Is it needed to trust enormous discounts and how the cheap agreement is dangerous?
Stingy pays twice
Purchase of cheap insurance agreement at doubtful companies is fraught with serious consequences in case of accident the culprit of that you can become. Not eliminated, that large discounts on insurance, promise the fictitious or invalid agreement, and in case of caused damage you will pay from your own pocket. You risk to become the client of adventurers or company with a difficult financial situation, that threatens to leave you without indemnification in the future.
Insurance companies with the low level of payments, doubtful reputation and small amount of employees offers too advantageous terms to the clients. In a hope to economize a small amount, you issue an autocitizen in transit, not understanding that a main threat to your family finances is hidden in false policies. There is a large probability, that insurance payment by contract you won’t get because of lack of finances at an insurance company: you will have either to expect too long your turn or to forget about money because of its bankruptcy.
Realization of “false policies” does not get under the article “Imitation of official documents” and that, who sells a counterfeit agreement to you, can not be brought over to the legal penalty. Remember, that self-respecting companies do not offer large discounts without a reason. Before signing a contract make inquiries about a company, find out how long she offers the services at the market of autoinsurance, what level of insurance payments, study the reviews of clients.
To avoid problems, conclude a contract only with professionals. “Insurance Concierge” is ready to provide legal support at registration of any types of insurance. Apply!
In what cases discounts are justified?
However temptation to find more economy variant of insurance is very big and it can be sometimes justified. In pursuit after a client some companies offer bonuses, actions and tempting terms.
Legal discounts at autoinsurance are offered in next cases:
- “all is included” (driving away, natural disasters, theft, road traffic accident) will treat to you cheaper, than insurance only in case of road traffic accident;
- bonus at simultaneous insurance of a few cars by one proprietor;
- the increase of size of franchise diminishes the cost of insurance up to 40%;
- the discount of 50% is envisaged for pensioners, invalids of II group, to the liquidators of consequences of ChAES;
- the justified discounts offers for accident-free exploitation of auto during previous insurance periods ( system of loyalty of Бонус-Малус);
- optimization of policy “for themselfs” – you can leave only that set of risks, which you will consider necessary from a standard list,
- refusing from services of evacuate in case of road traffic accident;
- insurance is possible on a certain temporal season
So it is possible to get a discount in 5-17% absolutely legal and on lawful grounds. Ask an insurance agent to tell you in detail about all available variants that will help to do a price on insurance not high. Mainly, don’t overdo in the desire to economize, otherwise the cost of separate services can result in the future by impressive sums, and you won’t feel an effect from an imaginary economy.
Signing a document, carefully analyse terms, study a reputation of a company and do not let yourself to be deceived by the adventurers on the road!
