Market Overview auto insurance. CTP abroad

For many motorists compulsory motor insurance is a universal evil, but still find it necessary. The most important claim is the cost for avtograzhdanki board for a year on services of mandatory car insurance. Indeed, depending on the parameters of the vehicle, this amount can vary within wide limits. Another claim to be the amount avtograzhdanki mandatory payments to the accident. In fact, it often happens that the amount paid by insurance companies is significantly less than the cost of repairing a broken car. To examine how things are with car insurance abroad, first look at the tariffs in Russia hull. Since the accident, suffered only if the vehicle, the maximum payout is only 160 000, and if there are victims in the accident, the payout increases to 240 000. At first glance, the payout is quite decent for srednestaticheskogo motorist. But for owners of expensive cars, that kind of money is unlikely to cover at least most of the cost of repairs. As a result, there is, because in addition to the mandatory auto insurance comprehensive insurance exists where the payout is much greater. So it's time to compare our rates with the rates of compulsory motor insurance in foreign countries. Since the maximum amounts for damage to cars in Germany is about 640 000 dollars, and if in the event of an accident suffered injury, the amount paid up to $ 10 million. In some countries, payments are associated with poor health after an accident and completely unrestricted. In other countries, payments for damage from the accident as follows: Italy - 970 000 $, England - 370 000 $ and France - to 580 000 $. Of course, if the motorist take a look at the figures above, we think, why we have such low payments on car insurance. But there is a downside. Since the value of Russian policy of compulsory insurance CTP averages $ 70 and depends mainly on the engine capacity and age of the driver. Also affect the policy and operation of the car seat: in the village motorist can pay just $ 15, but the capital cost of CTP can be up to $ 270. Also, in addition to insurance policy required a policy hull, which costs about 5-6 percent of the cost of a car and depends on the prevalence of the car. But back to the cost of auto insurance policy abroad. And as it turns out, the German motorist policy will give a lot more than the Russian motorist. For example, in Germany, motorists who have bought a car a small class, and go without the accidents over three years, paying for a policy of more than 1500 dollars a year. And if you are the owner of more expensive and luxurious car, then you'll have to fork out for 3000 - 4000 dollars. In Spain, the cost of the policy yet not so high, only 500 - $ 900. However, Spanish motorist for driving without liability insurance policy tool has to pay a fine over 2000 dollars. The result is that if you want a big payout for compulsory motor insurance, then the sum of avtograzhdanki should be more. And most importantly, in Germany, do not apply to insurance companies, if in a crash cars were damaged in an amount less than a thousand euros. Indeed, in the end it will be possible to accumulate discounts for driving without accidents in the future to help pay for liability insurance policy tool is much smaller. This is convenient for both insurance companies and for themselves motorists.