Какие виды страховок необходимо оформить при автокредите в России на 2020 год

Полис КАСКО

Страховка покрывает следующие риски:

  • хищение, угон;
  • ущерб в результате аварии или другая порча транспорта, в том числе в результате пожаров, взрывов и стихийных бедствий.
  • повреждения, полученные на трассе, например царапины на стекле от мелких осколков асфальта.

Выплата производится вне зависимости от того, по чьей вине произошла авария и другой ущерб. Однако если водитель управлял автомобилем в нетрезвом состоянии или совершил за рулем правонарушение, в выплате могут отказать.

Страховые компании часто заключают прямые договоры с официальными дилерами автомобилей и в случае повреждения имущества отправляют машину на ремонт. Для желающих сэкономить можно рассмотреть вариант франшизы. Скидка на КАСКО в этом случае может быть существенной, но мелкий ремонт в оговоренную сумму оплачивать придется самостоятельно.

ДГО

Добровольная гражданская ответственность расширяет действие обязательной страховки. Полис покроет все убытки, в случае причинения крупного урона, сверх лимита ОСАГО. К примеру, бюджетная машина серьезно повредила ТС класса люкс. ОСАГО не осилит всю компенсацию, и деньги придется выплачивать из своего кармана. ДГО решает этот вопрос.

Грин-карта

Зеленая карта дает автогражданскую страховую защиту в 48 странах мира, большинство из которых входит в Евросоюз. Неимение грин-карты при перемещении по европейской территории и других государств чревато штрафом в 1000 евро. Если автовладелец планирует заграничные автопутешествия, оформить документ нужно обязательно. В России регулирующей организацией выступает Российский союз автостраховщиков (РСА). Полис можно приобрести через крупных российских страховщиков, являющихся агентами регулятора: «РЕСО-Гарантия»,«Зетта Страхование», «Росгосстрах», «АльфаСтрахование», «Спасские ворота», «ВСК», «Двадцать первый век», «ЭРГО», СК «Согласие».

Страхование жизни

Большинство кредитных компаний России по умолчанию включают стоимость полиса в расчет. Заемщику следует знать, что эта страховка не является безальтернативным требованием. Деньги за нее можно вернуть, написав заявление в СК на расторжение и возврат в 14-дневный срок с момента заключения кредитного договора. Однако в случае потери работы, несчастного случая и тяжелой болезни, приведшей к инвалидности, платить кредит придется в любом случае.

ОСАГО

Обязательное страхование автогражданской ответственности оформляется в независимости от способа приобретения ТС и выступает бесспорным условием передвижения на российских дорогах.

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