Hull from hijacking: possible complications

At first glance, CASCO insurance against theft or car theft is a fairly simple insurance product. Indeed: the vehicle was lost - the car owner received an appropriate insurance compensation. Not lost - then the compensation for him is not really necessary.

But as practice shows, there are enough problems with this version of CASCO in car owners, and first of all because of some misunderstanding of the nuances of this type of insurance. Just take and calculate CASCO online or in the office of the insurer and buy a policy - does not mean to ensure its financial security. So, for example, many car owners do not even know that theft and theft are different concepts (and different risks). It is not accidental that for such actions the Criminal Code of the Russian Federation contains two different articles - 166 and 158, respectively:

• Theft of a car is his illegal and uncompensated withdrawal into someone's favor.
• Hijacking - taking possession of a vehicle without the purpose of theft.

That is, in the first case - it was appropriated, in the second - "without demand they took a ride." Therefore, when studying the text of the CASCO policy and the standard rules of insurance, be sure to pay attention to this. By the way, insurance rules must necessarily be studied, since this document may contain important provisions that are not in the policy. Otherwise, you can lose the car, and the insurance indemnity will not get.

Important "nuances"

Insurers are perfectly able to assess potential risks and contributing to their occurrence of causes - this is the essence of insurance activities. Therefore, under the terms of the insurance contract, circumstances that are grounds for refusing to pay insurance coverage are usually indicated.

For example, the policy or CASCO rules may contain mandatory requirements for the place of storage of the car. And to prove the fulfillment of these requirements is necessary for the insured and on the basis of written documents. If the policy says that at night the vehicle in the absence of the car owner should only be in a secure parking lot, then it must conclude a written storage contract and receive payment documents for payment of storage. Otherwise, he will be refused insurance indemnity.

A similar situation with the car's equipment is anti-theft devices. The policy states that the vehicle must be equipped with a device of a certain type (it is possible that it is installed in a specialized company). So, it is necessary to establish. Not always failure to meet such requirements entails a total refusal in insurance payment, but often significantly reduces its size.

Insurers also establish other grounds for refusing or reducing the amount of compensation, including:

• The doors or windows of the car are not closed.
• Careless storage of keys and (or) documents on the car.
• No notice of loss of keys or documents, if such an event occurred.
• Carrying out business activities for the transportation of third parties without prior notice to the insurance company, etc.

Obviously, all of the above circumstances contribute to an increase in the risk of theft or theft of the car, and therefore the attitude of the insurers to them is appropriate. In order to avoid the risk of losing a car, and with it the right to receive insurance compensation, it is better to first study the terms of insurance, and only then think about the price of the policy. After all, calculating CASCO online is very simple, but for this you need to have a clear idea of what you are ready to pay for.