How Ukrainians to insure a car during the war: what to know drivers need to

The insurance market in Ukraine was able to accept the "rules" of business during the war. But the transformation of "refusal to pay as a result of hostilities" to "the development of insurance programs with the coverage of these risks" is still ongoing. Leading ICs were able not only to return the quality of the service to the pre -war level, but also to offer innovative programs of insurance with the cover of military losses under CASCO contracts.

It is interesting that no foreign partner divided military damage with Ukrainian insurers, so domestic companies have taken their assets to protect Ukrainians. In order to understand in more detail in the mathematics of "Military Insurance" the editorial board of OBOZREVATEL appealed to Tatiana Shchuyeva, director of the insurance company "Express insurance".

What covers the "military" helmet? Therefore, there are two options for insurance against military damage - as part of the CASCO contract or separately insurance only from military losses.

The main list of risks that both options are protected-damage or destruction of the car and/or additional equipment installed on it due to the action of mines, bombs, shells, ammunition, unmanned aerial vehicles of all types, airfilling and/or anti-missile defense, other types weapons and/or their debris (except weapons of mass destruction).

We count money when it comes to insurance of military losses as part of the CASCO contract, you can find insurers who do not take money to cover losses of up to 10% of the cost of a car. Some are ready to cover the losses in a higher amount equal to 25% of the cost of the car. For increasing the coverage, insurers will offer a small additional payment - up to 10% of the standard price.

For example, if you have a Toyota RAV4 car in 2019 cost of UAH 1 million, then you will be offered a helmet for 39. 5 thousand UAH. In this case, a helmet with a cover of military risks with a limit of 10% or 100 thousand UAH will cost you 39. 5 thousand UAH - that is, without changing the cost of insurance. In the event that you increase the coating of military risks with a limit of 25% or 250 thousand UAH, your payment for a helmet with such a cover will be from 43.

5 thousand UAH - in this case you will pay 4 thousand UAH. Suppose you want to choose only insurance against military losses, then, depending on the insurance period, you will be offered conditions from 0. 99% of the cost of a car to 2% of the cost of a car. On the example of the same RAV4 it will cost from 9900 to 20000 UAH. And what about franchise? It is important to know the size of the franchise, which is offered in insurance.

Recall that the franchise is a mandatory amount of customer expenses in every loss that is not reimbursed by the insurer. The size of the franchise is in most cases set in percentage of the insurance amount. For calculation we take already known RAV4 worth 1 million UAH. Suppose that as a result of the Shahheda attack, it suffered from debris - and a hundred estimated these losses in the amount of UAH 280 thousand. We calculate the client's mandatory loss in two programs.

At the same time, the insurance company will compensate him 100 thousand UAH in the version of "military" coverage up to 10% of the cost of the car or 250 thousand UAH, if the client paid for the option of increasing the coverage up to 25% of the insurance amount. In our case, from the loss of UAH 280 thousand, the insurance compensates you 230 thousand UAH, if you have chosen a franchise 5%and UAH 180 thousand if you have chosen a franchise 10%.

How many insurance events with military circumstances does insurance cover? Before signing the contract, pay attention to the number of requests that you choose the document you choose. Thus, when choosing a CASCO insurance with a coating of military risks, most insurers are restricted by the number of such events - most often it is once during the contract, rarely - 2 times.