Autoexpert Dmitry Popov told whether it is worth issuing CASCO when purchasing a car. Sometimes such an insurance policy has its advantages, but it also happens that it does not make sense.
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Often, CASCO is imposed by dealers when selling a car, although not everyone needs such a service. Many agree only for fear of not getting a loan for a car, others do not know that it is possible to refuse voluntary insurance. As a rule, Russians try to protect their vehicles from accidents, vandalism, theft, accidents, etc. At the same time, the difference from OSAGO in the cost and amount of payments. As the car gets older and wears out, the insurance premium also decreases. Often, insurance companies delay payments, look for a reason not to pay at all, or file for bankruptcy.
According to Popov, CASCO makes sense, but it is important to take a responsible approach to business. He advises taking out insurance against key risks, including theft, vandalism, etc. A number of other points with damage to the car can be repaid through the CASCO policy with a franchise, writes iReactor. It is important to pay attention to other factors as well. For example, it makes no sense to insure against theft if the car is constantly in a paid guarded parking lot. If a person lives in a place where there is often bad weather, it is better to take out insurance in case of a falling tree or similar “incidents”.