% D bloggers like this:

The amount of insurance premium automobile insurance is depending on risk signs, which have a major influence on the occurrence of the insured event. To this end insurance set is allocated to risk groups depending on the type of vehicle. Usually, the following risk groups: cars and vans up to 9 seats, camping trailers; Trucks and trailers over 3.5 tons. Construction and special self-propelled equipment; Tractors and trailers; Tractors and agricultural machines; Buses and trolleybuses; Rail vehicles; Motorcycles, mopeds and tricycles; Second, in calculating the premium should be paid considerable attention to costs. In technical insurance plans they are determined as a percentage of gross premium. This is not always the actual amount of costs for motor vehicles with a higher net premium unit sum insured must pay higher costs. In practice, the expenses incurred are the same for each vehicle and the allowance for expenses should premium outlets be equal. Thirdly, it is necessary to identify premium outlets and form of insurance. Normally, when the vehicle is administered insurance real value. In some cases, however, possible insurance and replacement cost. Furthermore, at the discretion of the insurer may be taken and appropriate deductible. The tariff rate is differentiated and depending on the size of the sum insured and whether it is BGN or foreign currency. The insurance rate in a note given characteristics and explanations of the insurance case of increase of the insurance premium and the short rate as a percentage of the annual premium. The insurance premium is paid once at the conclusion of the insurance contract or deferred installments on the express stipulation premium outlets between the parties. The number of deferred contributions and rates on them shall be agreed between the parties. The insurance premium is calculated in the currency of the insurance contracts in which the insurance amounts are determined in foreign currency. In automobile insurance premium may be reduced or increased depending on the number of insured objects declared claims, benefits paid by insurance "Insurance" system use "Bonus-Malus" and others. factors. Through a system of discounts and supplements insurer intends to cover primarily subjective risk. "Bonus" premium outlets only applies to annual renewal insurance contracts by insurance, "Full insurance" if during the previous year are not registered damages. Reduction of the premium is made in the presence of an alarm system and a system for marking of vehicles in view of its track. "Malus" for now almost does not apply in the insurance practice, because there is no uniform system of "Bonus-Malus" to all insurers. For vehicles with a value above a certain size is required premium outlets mandatory installation premium outlets of an alarm system, and other operating and immobilizer.
Follow "Insurance"
% D bloggers like this: