For the owner of the vehicle, there are several ways insurance.
To secure the protection of vehicles using car insurance. This system makes it possible to pay the sum insured in case of theft, natural disasters, breakdown, fire or accidents. To this end, the owners of vehicles enters the policy with an insurance company, considering the very term insurance, the amount of payments, monthly payments, and other conditions stipulated in the contract. There are different methods of vehicle insurance.
A. CTP is the mandatory insurance of civil liability. In this case, the policyholder may be the entire amount of damage to the vehicle or the resulting damage was caused to his health and life. Compulsory insurance has standard rates, which are governed by the law, but a term insurance policy may be different.
Two. A common variant of motor insurance is AUTO Hull. It allows you to get the cost of repairing and restoring cars. The set of insurance cases include accidents, thefts, fires, illegal actions by unauthorized persons, natural disasters, etc. The high cost of insurance stops most people from entering into an insurance policy.
Three. Most natural phenomena cause the insured event, and provides for payment of car insurance for floods, fires, earthquakes, landslides, avalanches and other natural disasters.
4. There is a method of security accessories, which becomes the owner of the vehicle. For example, insurance benefits are provided when adverse natural events occur, theft, accident, etc. This method is rarely used in practice by drivers of cars.
In order to obtain insurance payments, the customer must immediately inform the insurance company about the situation that occurred. If the event requires the investigation and identification of all the reasons you should report it to authorities. Policyholder will receive all or part of the payment depending on the amount of damage. In case of violation of the insurance policy, as well as to create an unfavorable situation, the driver of the vehicle, the insurance company has the right to refuse payment. Many disputes are resolved in court.
Wednesday, February 15, 2012
Life insurance and disability in obtaining a mortgage loan
Upon receipt of a mortgage loan the borrower must for several years to repay certain sums of money. But life sometimes presents some nasty surprises. And for such a long time can all happen. It is reasonable to execute the contract of life insurance and disability of the borrower.
Until recently, this item was necessary for obtaining a mortgage loan: banks simply refused to loan to customers who did not agree on a mandatory basis to issue such insurance. Now it is at the discretion of the borrower. And what are the advantages of such an insurance policy?
The main essence of this insurance is that in the event of death or disability of the borrower's mortgage payments for him to be an insurance company. You can add more insurance and the risk of temporary disability. In this case, if the borrower, such as sick pay that loan payments during the period of the disease will also be an insurance company.
The cost of the policy in each case is determined individually, depending on age, health status and the nature of the borrower. As a rule, the rate of insurance is in the range 0.5 - 1% per annum of the amount of credit outstanding with interest. Validity of insurance is set equal to the term loan, and payments are made on it once a year. Accordingly, each year the premium is reduced.
Thus, insuring his life and work capacity for a period of a mortgage loan, the borrower can be assured that in case of emergency contingencies on the loan will not have to pay for his family. After all, the responsibility will take on the insurance company.
Until recently, this item was necessary for obtaining a mortgage loan: banks simply refused to loan to customers who did not agree on a mandatory basis to issue such insurance. Now it is at the discretion of the borrower. And what are the advantages of such an insurance policy?
The main essence of this insurance is that in the event of death or disability of the borrower's mortgage payments for him to be an insurance company. You can add more insurance and the risk of temporary disability. In this case, if the borrower, such as sick pay that loan payments during the period of the disease will also be an insurance company.
The cost of the policy in each case is determined individually, depending on age, health status and the nature of the borrower. As a rule, the rate of insurance is in the range 0.5 - 1% per annum of the amount of credit outstanding with interest. Validity of insurance is set equal to the term loan, and payments are made on it once a year. Accordingly, each year the premium is reduced.
Thus, insuring his life and work capacity for a period of a mortgage loan, the borrower can be assured that in case of emergency contingencies on the loan will not have to pay for his family. After all, the responsibility will take on the insurance company.
Car insurance
Why do I need insurance, which determines the cost of this service, tips, etc।
Every year, car owners are faced with the same question: "What is the insurance company to sign a contract?" It is known that the financial position of insurance companies is constantly changing. And if a year ago, your insurer has been a leader in auto insurance, today it may be bankrupt, or at least, on the edge of bankruptcy. And this is the actual state of affairs after the economic crisis, which first hit the insurance companies.
Buying an insurance policy you need to know about the real state of affairs in your insurance company. You can obtain this information from the search for insurance guides and reading briefs.
Review of prices and read relevant information is the starting point for anyone who wants to get the most favorable conditions for auto insurance.
On what does the insurance cost?
The cost of insurance is approved at the state level, so it is approximately the same in many companies. It also depends on these factors:
A. Condition of the car.
Two. His power.
Three. The area of its operation.
4. The experience of the driver.
Five. Insurance history of the client, etc.
For the convenience of online sites are special for the calculation of the cost of insurance is in your case, the same calculation can be made directly to the office.
The insurer covers all the expenses in case of theft or accident. It is very convenient, because you never know when a case occurs, and whether you are ready for it.
And be careful, sign a contract with the insurance companies have time-tested name, because there are many examples, when the insurance case the car owner is left alone with his problem.
Every year, car owners are faced with the same question: "What is the insurance company to sign a contract?" It is known that the financial position of insurance companies is constantly changing. And if a year ago, your insurer has been a leader in auto insurance, today it may be bankrupt, or at least, on the edge of bankruptcy. And this is the actual state of affairs after the economic crisis, which first hit the insurance companies.
Buying an insurance policy you need to know about the real state of affairs in your insurance company. You can obtain this information from the search for insurance guides and reading briefs.
Review of prices and read relevant information is the starting point for anyone who wants to get the most favorable conditions for auto insurance.
On what does the insurance cost?
The cost of insurance is approved at the state level, so it is approximately the same in many companies. It also depends on these factors:
A. Condition of the car.
Two. His power.
Three. The area of its operation.
4. The experience of the driver.
Five. Insurance history of the client, etc.
For the convenience of online sites are special for the calculation of the cost of insurance is in your case, the same calculation can be made directly to the office.
The insurer covers all the expenses in case of theft or accident. It is very convenient, because you never know when a case occurs, and whether you are ready for it.
And be careful, sign a contract with the insurance companies have time-tested name, because there are many examples, when the insurance case the car owner is left alone with his problem.
Insurance auto
In order to avoid losses at the basic level with mandatory auto insurance program, which will reimburse the cost of repair and restoration of the lost look of the car.
There are some programs that are designed to offset the costs not only in the case of an automobile accident, but also by external factors, such as the impact of third parties, robbery, theft of individual components and assemblies. Although they vary in price quite dramatically, in relation to the base, but give and tangible benefits.
Although the insurance program is not able to completely take away your post-emergency situations, but you have to remove the costs that can make a very tangible and meaningful number.
Not the last place in the choice of insurance is the right choice of an insurance company. This will help you as an advice of friends, and an independent search on the Internet. Note the term of the market the company, its loyal customers, and if given contact details, you will not fail to call a person who can give a really valuable advice. Do not trust companies that offer low prices is doubtful, as well as companies whose status is not confirmed cases. Honest companies, insurers must indicate in the contract all the nuances that you are wary, and in no case will not seek to confuse you. Moreover, representatives of these companies must tell you about the possibilities of not documented, but involving your benefits in terms of legality.
Do not try to save, you should choose for insurance, the insurance only those cases that you think are most worthy. Say insure a car theft and theft if the car is often parked in the shady areas. Or just to insure against fire, if there is a risk of this.
In any case, the insurance will significantly reduce your costs.
There are some programs that are designed to offset the costs not only in the case of an automobile accident, but also by external factors, such as the impact of third parties, robbery, theft of individual components and assemblies. Although they vary in price quite dramatically, in relation to the base, but give and tangible benefits.
Although the insurance program is not able to completely take away your post-emergency situations, but you have to remove the costs that can make a very tangible and meaningful number.
Not the last place in the choice of insurance is the right choice of an insurance company. This will help you as an advice of friends, and an independent search on the Internet. Note the term of the market the company, its loyal customers, and if given contact details, you will not fail to call a person who can give a really valuable advice. Do not trust companies that offer low prices is doubtful, as well as companies whose status is not confirmed cases. Honest companies, insurers must indicate in the contract all the nuances that you are wary, and in no case will not seek to confuse you. Moreover, representatives of these companies must tell you about the possibilities of not documented, but involving your benefits in terms of legality.
Do not try to save, you should choose for insurance, the insurance only those cases that you think are most worthy. Say insure a car theft and theft if the car is often parked in the shady areas. Or just to insure against fire, if there is a risk of this.
In any case, the insurance will significantly reduce your costs.
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