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Obligatory Car Insurance Of A Civil Liability

Insured event admits the fact of causing of a damage of a life, to health or property of the third parties as a result of the road and transport incident which have happened on fault or on imprudence of the driver, the insurance which has concluded the contract. Policy cost is defined by the law and is identical in all insurance companies. At calculation of cost of the policy following factors are taken into consideration:

A type of a vehicle and engine volume

A registration place (territory of prevailing use of a vehicle)

The driver’s experience

Quantity of the drivers specified in the contract

Contract period of validity

The tariff for policy of obligatory car insurance of a civil liability consists of the base annual rate increased by correction factors with which it is possible to familiarize in detail, having seen Law final provisions.

Thus, the main thing that influences the size of insurance payment are such factors as: whether you are physical or the legal body, settlement of registration of your vehicle, working volume of the engine, your driver’s experience, quantity of persons which will operate a vehicle and, certainly, type of contract of obligatory car insurance of a civil liability chosen by you. There are three types of contracts of this type of car insurance:

I type of auto insurance of obligatory insurance of a civil liability is for the certain car and any driver: Concluding the contract of the first type you insure responsibility for the harm caused to a life, health, property of the third parties subsequently operation of the vehicle defined in the contract of insurance, any person who maintains it on the lawful bases.

II type of auto insurance of obligatory insurance of a civil liability is for any car and one certain driver: Responsibility for the harm caused to a life, health, property of the third parties subsequently operation of a vehicle or one of the vehicles designated in the contract the person specified in the contract of insurance becomes covered by the contract of the second type

III type of auto insurance of obligatory insurance of a civil liability is for the certain car and a little certain drivers: Insuring responsibility for the harm caused to a life, health, property of the third parties subsequently operation of the vehicle defined in the contract of insurance, the person specified in the contract of insurance or one of the persons designated in the contract you conclude the contract of the third type

The contract of car insurance can be concluded for the term from 15 days till 1 year depending on your plans and requirements. Before concluding the contract of this type of insurance do not forget to show the pension certificate and any other documents or certificates that will help you to decrease the price of the insurance.

Now the part that is very important for your search of the insurance price quotes

It is simple: a final piece of advice – today the web technologies give you a truly unique chance to choose what you need at the best terms which are available on the market. Strange, but most of the people don’t use this opportunity. In real practice it means that you must use all the tools of today to get the “free insurance online quote” info that you need.

Search Google and other search engines. Visit social networks and have a look on the accounts that are relevant to your topic. Go to the niche forums and join the discussion. All this will help you to build up a true vision of this market. Thus, giving you a real chance to make a wise and nicely balanced decision.

P.S. And also sign up to the RSS feed on this blog, because we will do the best to keep this blog tuned up to the day with new publications about insurance price quotes and other topics of the big and versatile insurance industry.

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