What is a motor insurance?
According to the law, each car owner in Poland must have a third party insurance. It is different with other insurance, which is not obligatory. The driver decides about buying additional motor insurance policies – Autocasco, Assistance or personal accident insurance. So it is worth knowing when they can be useful and how to choose them.
The more insurance bought, the greater protection of a driver and his vehicle. Of course, this principle works only if you choose policies consciously and you know what you are deciding on. So check how to properly protect yourself, your loved ones and your car.
Third party insurance for motor vehicle owners
Automobile liability insurance protects you in case of damage caused to third parties. If you cause an accident, the damage to another driver will be covered by your motor insurance. Similarly, if it is your car that is damaged in an accident, you will be able to have it repaired from the collision perpetrator’s third party insurance policy.
What if you do not buy a compulsory third party insurance?
Not only would you have to pay for repairing the damaged cars yourself, but also the UFG will impose a fine on you for not having a compulsory insurance policy.
When buying third party insurance, remember that the coverage is always the same no matter which insurance company you choose. So if one insurer offers you a much better deal on motor insurance than competing companies, do not hesitate. When it comes to auto third party liability, it’s a good idea to be guided by the price of the policy. Each company sets its own OC prices, taking into account the data of the car owner and the parameters of the car itself. And differences in prices between companies can be really big, as a 58-year-old from Kielce found out when he used a rankomat.pl calculator.
It is worth noting that in the above list, each company offers additional policies in a package with third party insurance. If you think that you will not need them, you can choose the cheapest possible option. However, it is good to think carefully about the purchase, because when you buy additional insurance together with the third party liability insurance, the driver can count on a more attractive offer.
What influences the price of civil liability insurance?
Each insurance company takes a close look at its potential customers. Some of them are more desirable, others less so. And although each insurer may reward other factors by offering a lower car insurance premium, some elements are taken into account by each of them.
Data about the owner of the vehicle – the lowest premiums are offered to experienced, accident-free drivers, and the highest to young (usually under 29 years of age) and those who have a record of damage (especially caused in the last year);
the place of residence of the driver – cities or provinces with a high population density and those where statistically there are more accidents will always be more expensive in terms of motor insurance price;
car parameters – make, model, year of production and engine capacity. In case of young drivers, car tuning may be a factor that increases the insurance price.
Is Autocasco insurance necessary?
Autocasco is one of the most popular additional insurance policies. Unfortunately, clients often do not know how to choose it and whether they need it at all. It is worth to know that only AC can e.g. guarantee payment of compensation in case of car theft. And if you cause damage to your car yourself (e.g. you scratch the door on a pole in a parking lot), Autocasco will also come to your rescue.
Buying an autocasco policy requires careful reading of the terms and conditions of protection, because they are different in each insurance company. In practice, this means that each company may offer a different range of policies, in addition, at a different price. There are several important provisions in autocasco insurance agreements, which you should pay particular attention to.
deductible – amount or percentage of the damage that the owner of the vehicle is obliged to pay out of his own pocket;
depreciation of parts (wear and tear of parts) – in case of damage, the insurer has the right to deduct a percentage from the value of new parts, specified in the agreement, based on their wear and tear;
franchise deductible – amount or percentage of damage, below which the insurance company will not pay indemnity;
method of car repair – cost or service,
sum insured – upper limit of liability of the insurance company, i.e. the maximum amount of compensation that the aggrieved party may receive; it is divided into: fixed sum insured (unchangeable value of the vehicle, determined as of the date of signing the AC contract) and variable sum insured (value of the vehicle as of the date of damage).
