Популярность КАСКО растет. В чем причина?

Странно, что в поговорку вошла только немецкая бережливость. Когда речь идет о тратах, связанных со страхованием, россияне вполне могли бы поспорить за пальму первенства, экономя даже при реальных рисках. Тем удивительнее, что популярность КАСКО неуклонно растет. Попробуем объяснить природу этого феномена.

Первая и главная причина — автомобили в нашей стране так и не стали просто средством передвижения, оставаясь, если уже и не роскошью, то в большой степени признаком достатка. При этом криминогенная обстановка год года только усложняется. Естественно, владельцам недешевого имущества хочется снизить финансовые риски, ведь практика показывает, что не всегда даже сложные противоугонные устройства способны воспрепятствовать злоумышленникам. Попробуйте определить расходы на КАСКО (рассчитать онлайн стоимость полиса можно в течение нескольких секунд) и сопоставьте их с возможными затратами на ремонт поврежденного авто или на покупку нового. Впечатляет? Вот и многие владельцы машин, оценив плачевные перспективы, решают приобрести полис добровольного страхования.

Вторая причина повышения популярности КАСКО — обязательное требование со стороны большинства банков и автосалонов покупать такие полисы для транспорта, приобретенного на заемные средства. А автокредитование, как известно, активно набирает обороты.

Современные программы КАСКО — это достаточно широкое понимание термина «страховой случай». В перечень таких ситуаций, помимо ДТП, могут быть включены угон, хищение имущества (как самого автомобиля, так и отдельных частей) или преднамеренная порча (поджоги, царапины и т. д.). Также в договоре в качестве страхового случая может быть указан ущерб в результате:

  • действий животных;
  • природных явлений;
  • падения тяжелых предметов;
  • некачественного дорожного покрытия;
  • стихийного бедствия;
  • техногенной аварии и др.

Стоит отметить, что многие автовладельцы, осознав пользу от КАСКО, заключают договоры добровольного страхования параллельно с обязательным. По полису КАСКО можно получить компенсацию до миллиона рублей, тогда как ОСАГО гарантирует не более 40 % этой суммы. Правда, и стоимость полиса добровольного страхования выше. Использовав калькулятор ОСАГО и КАСКО (такой имеется на сайте каждого солидного страховщика), можно не только определить объем предстоящих расходов, но и выбрать самое выгодное из предложений СК.

И наконец, третья причина. Практика показывает, что случаи мошенничества с полисами добровольного страхования редки, а значит, получение компенсационных выплат гарантировано. Главное — внести в договор все актуальные риски и внимательно прочитать документ перед подписанием, чтобы максимально обезопасить себя от финансовых потерь.

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