Insurance for expensive equipment avtomobolya
Posted on Sep 3, 2000 08:15:27 AM
Life is inseparable from the metropolitan bustle, stress, traffic jams … In a situation where from point A to point B has to get a half hour with an average speed of 20 mph, I want to oboroduvanie car was as pleasant as possible. If this is a new Mercedes, BMW or any other machine in its class, then most likely it will be equipped HI-FI audio, perhaps a TV with DVD player. Owners of mass models, particularly products of domestic car industry, often have to buy more equipment in the car to suit your taste and possibilities.
When talking about the standard additional equipment: radio for $ 150, a subwoofer for 100 or a CD-changer for the 300, even when buying a policy hull (theft / damage), itself an additional equipment is usually not insured.
But there are other – an unusual accessories. Says the head of car insurance IC MRSS Alexander Gladyshev: “I myself examined the usual” nine “, which was installed audio system with sound quality HI-END, the cost of which exceeds over 8 thousand dollars to ensure that the system gave out really high-quality sound removed from the car upholstery factory, pasted salon with a special material and replaced the upholstery on the more expensive, have established high-end speakers.
This additional equipment is comparable to the cost of the machine itself, and of course it makes sense to insure it.
Proof of this was the information ROSNO given the exclusive right to car insurance, inlaid with crystals Swarovski, the first of which sold at auction in Moscow for 130,000 euros. ROSNO will provide insurance services for vehicles with a unique aesthetic tuning from theft, damage, unlawful acts of third parties, and other risks.
Additional equipment is insured for risks “Theft” and “Damage”, but with self-insured amount and the special rate.
“Typically, insurance rates for additional equipment does not depend on the make and model of car, experience, age of drivers and other factors, it can only depend on the type of hardware – an external body kit, audio and video,” – stressed the head of car insurance JSC Russian insurance company “Yuri Gortsakalyan.
“Most insurance companies – said Acting Head of the Directorate of underwriting and methodology of AlfaStrakhovanie Denis Makarov, -. exception to the rule of liability insurance are cases of theft of removable parts of additional equipment, such as the front of the car radio. Also, do not pay for damage caused by a car during a sporting event, even an amateur – the rally, street racing, etc. ”
“The cost of a new additional equipment (insured amount) is determined on the basis of payment instruments for used equipment – from the cost of the new, taking into account wear and tear”, – says head of the actuarial management of JSC Kapital Insurance Eugene Sharapov.
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