The intensive increase in quantity of automobiles at our roads entails natural development of the market of autoinsurance. Insurers offer programs of protection practically on any purse. To services of drivers the insurance companies give various kinds of insurance policies.

To choose it is possible, for example, the most economical program - on one road accident, or to get full or partial hull insurance. Difference only that partial hull insurance does not provide compensation of damage in case of stealing a vehicle.

For more exacting clients there are also so-called VIPs - programs of insurance авто hull insurance. Such packages include, besides insurance protection, rather wide list of bonus services. To such belong round-the-clock legal support at road accident, payment of services of the independent expert, a call of "first aid". Also, that is the most attractive, the insurance company gives the client in time using the automobile for the period of carrying out of regenerative works of a vehicle.

The size of the insurance tariff in each case is individual: first of all, such factors, as mark, model of a vehicle, year of release, capacity of the engine, the driver's experience of the client are taken into account. From its part, the insurance company guarantees protection of the automobile in case of road accident, stealing of a vehicle, illegal actions of the third parties, a fire. Many insurance packages provide also protection against acts of nature: landslips, earthquakes, flooding.

The sum of an insurance covering too pays off individually in each separately taken case, making a start from market cost of a vehicle at the moment of registration of an insurance policy. As if to the sizes of insurance payment we shall result such example:

The automobile in cost of 80 thousand grivnas;

Insurance risks: road accident, illegal actions of the third parties (stealing);

The experience of driving - 3-10 years;

The franchise: 0,5 %;

Validity of the contract - 12 months.

Taking into account that fact, that the policy is made out without deterioration of details of the machine, and also that on the automobile the anticreeping device is established and at night it constantly is in garage, we shall receive such result: the insurance tariff - 4,07 %.

In any case, it is necessary to know, that the sum of payments cannot exceed the size of the insurance sum, and also size of the appreciated damage. The size of the franchise though allows to reduce cost of an insurance policy in some cases, but thus the part of charges becomes covered from a pocket of the owner of the automobile.

The dictionary of the insurant:
The insurance sum - a sum of money within the limits of which the insurer is obliged to lead payment at approach of an insurance case;
The franchise - the certain part of losses which at approach of insurance event the insurant pays independently;
The insurance tariff - a payment to the insurer for granting of the insurance protection, expressed in percentage of the insurance sum;
Insurance covering - the list of risks from which protects the contract of insurance.