Guide on how to save money on insurance RC cars and motorcycles
In recent times the cost of car insurance has increased dramatically across the board, especially for the most disadvantaged classes of merit and for policyholders of Southern Italy. But you can save, just follow the simple tips given in this article.
The Class of Merit and the Bersani Decree
The insurance companies demand in the formula bonus-malus system, the so-called class of merit.
It 'a mechanism that is intended to reward the best drivers, which cause less accidents: a total of 18 classes, where the first is the cheapest and the most expensive in the eighteenth.
Each new part secured by the class 14, and every year without incident, is rewarded with the decrease of a class (bonus), while for each accident is increased by two classes (malus).
The Contractor may at any time apply for and obtain a Certificate of Risk, which certifies the class on experience, and that is five years.
The so-called Bersani Decree, converted into Law 40 of April 2, 2007, allows you to "inherit" a class less advantageous from other family members.
What does it mean?
What if I have a family partner, secured some time with a class of about convenient, I can have the same class even for me, I'm new insured.
I can also inherit from a class of about myself most advantageous in the case of purchase of a new car.
Typical is the case of the son novice driver, which can inherit the class on the parents, usually much more advantageous.
To take advantage of the cohabiting must be in family status, as certified by the registry office of the municipality.
You can not benefit from it, in the following cases:
• car already secured, in the absence of transfer of ownership
• risk certificate of cohabiting older than five years
• different classes of vehicles: you can transfer the risk class of car to another car, a bike to another bike, but not between cars and bikes
• you do not inherit the class of merit for companies
Redeem a left
As we have seen, in the event of a claim with guilt, and subsequent reimbursement, the penalty is applied with an increase of two classes.
If the accident is minor, and the repayment modest, it is our right to "redeem" the left, our company reimbursing the amounts paid, and avoiding penalties.
Caution: left is always reported, although we intend to pay our own pockets, it is a legal obligation.
There can think of to repay in cash without directly report the accident because, in addition to violating the law, we would not be protected from any further claims of the counterparty, or by any civil and criminal consequences.
The quote
There are dozens of insurance companies, each with its own criteria for calculating the risk, and their fees.
It is fitting, then, try to get as many quotes as possible. All things being equal, in fact, there may be a considerable difference in price.
This, fortunately, we are meeting the many services online.
Which to choose?
It is not easy to answer.
A good starting point is the Estimator ISVAP, but if you have a bit 'of time to spare, you should also use one or more of the numerous online services on the network.
Below is a list of the principal, in alphabetical order:
• 6sicuro - Auto
• 6sicuro - Motorcycles
• Cercassicurazioni
• comparafinanza
• Supermoney
The ceilings
As provided for by Legislative Decree no. 198 of 11.6.2007 implementing the EC Directive V, 11 June 2012, the required minimum limits of coverage of RCA, must be not less than the following amounts:
1. in the case of damage to the person 's fixed minimum amount is € .5.000.000 per claim, whatever the number of victims
2. in the case of damage to the minimum amount fixed is equal to € .1.000.000 per claim, whatever the number of victims
Since the two amounts are added together, the maximum exposure of the Company for each claim will therefore € .6.000.000.
They may seem ceilings already very high, especially in relation to the recent past, but in reality, in my opinion, it is best if possible, raise them further.
In fact, with a modest additional premium, it takes away from any surprise: if you cause an accident, and the digit to indemnify exceeds the limits laid down (think eg. Whether the car stops on the tracks, the train arrives, and you caused extensive damage, injuries and deaths ...), the rest you have to put it in your pocket!
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The guarantees
By law is mandatory coverage alone RCA (Third Party Liability), which covers damages resulting from an accident with guilt.
But they are often directly or proposals including other collateral, which bumps the price is not insignificant: it is good to choose only those truly indispensable. Below is a brief overview to help you choose.
Fire and theft
If the car is new, it is definitely worth it. If you already have a few years behind, and the commercial value is low, you run the risk of spending money almost for nothing.
Many companies offer an additional discount if we declare that we usually park in our private box or in any area fenced private.
Acts of vandalism and weather events
The same considerations made for fire and theft. If the additional premium to be paid is high, in relation to age, condition and market value of the vehicle, not worth it.
Crystals
In general it is always worth ensuring the glass breakage. The replacement, especially the windscreen, it is always very expensive, regardless of the age of the vehicle, and in general the additional premium is modest.
And the windshield can break a lot more often than you think: just a pebble "fired" from the vehicle in front, and the omelet is done.
Injuries to the driver
In case of accident through negligence, the driver is the only one not covered. Typically the additional premium is modest, and it may be worth.
Loss of driving license
If the license you need to work, it may be worth, otherwise generally the additional premium exceeds the real benefits you might have.
Expert guidance or exclusive
Many companies offer a discount if you say that the car will not be driven by young people and / or with a few years of license. If this is your case, take advantage of, but remember never to drive your car to such persons, on pain of a deductible and / or discovered conspicuous.
Waiver of recourse
If you drive while intoxicated or under the influence of drugs, and caused an accident, your insurance company will pay the damages, and then will ask you your money back (revenge).
The same happens if your license has expired or revision.
Some companies offer to waive its right of recourse against payment of an additional premium.
In my opinion is that you can safely save money, because you should never find yourself in one of these situations.
Protection unexpected and similar
Some companies offer additional guarantees under the heading of "unexpected protection" and the like.
They are often covered the costs of recovery in case of loss of keys, car washing and recovery in the event of urgent transport injured, etc..
Read carefully the conditions, which may be the most diverse, and sottoscrivetele only if the additional premium is modest, and if you feel can really be worth it.
Legal assistance
Typically the premium is modest, and it's worth it. Read carefully the conditions, however, often can not appoint a Legal your confidence, but you have to rely on that indicated by the airline.
Roadside Assistance
If the car is new, the parent will already provides roadside assistance for the entire warranty period. Otherwise, generally the premium is modest, and it is worth subscribe: in case of breakdown or accident, you off the hook.
The payment
Some companies offer payment in two or more installments. If you can, avoid, and pay the annual premium in a lump sum, because of the interest will be applied.
Cars and motorcycles
As written, the Bersani Decree does not allow you to transfer the same class of merit from cars to motorbikes, and vice versa.
What to do then?
There are companies that allow you to do so, as long as both means are insured with the same company.
Caution, however: in this case, the motion takes yes the class on the car, but it is an internal class. For the purposes of the risk certificate, and a possible transfer to another company, property classes 14.
And if I went to agency?
In the Internet may seem strange, but it may be worth doing anyway even in a leap Agency, especially if is different companies.
There, in fact, have the opportunity to talk to a person in the flesh, which, among other discounts and other promotions, may also propose an estimate lower than that found online.
If you have the time and inclination, it's worth trying, perhaps bringing with them the lowest quote found online. Do not be afraid, there is nothing wrong with that!
15/12/2012
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Translated via software
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Source:
Italian version of CercaGeometra.it