Motoryzacja

Autocasco – przezorny zawsze ubezpieczony

 

Rynek ubezpieczeń komunikacyjnych jest bardzo szeroki. Mając pełne ubezpieczenie, nie musimy obawiać się o to, że ewentualna stłuczka albo uszkodzenie samochodu przez szalejącą burzę będzie generowało wysokie koszty naprawy. Dzisiaj przyjrzymy się bliżej polisie AC – ubezpieczeniu kompleksowo chroniącemu mienie przed zdarzeniami losowymi.

Czym jest AC?

Ubezpieczenie AC, czyli autocasco, jest dodatkowym ubezpieczeniem komunikacyjnym chroniącym samochód przed kradzieżą oraz uszkodzeniem i całkowitym zniszczeniem na skutek zdarzeń drogowych, działania osób trzecich oraz sił przyrody.  W przeciwieństwie do OC, wykupienie AC nie jest obowiązkowe (wyjątek stanowią samochody kupione na kredyt w objęte leasingiem).  Ochroną objęty jest cały pojazd, wyposażenie, a także bagaż (nierzadko za dodatkową opłatą). Co ważne, polisa uprawnia właściciela wozu do otrzymania rekompensaty nawet wtedy, kiedy uszkodzenie powstało z jego winy lub nie można ustalić sprawcy.

Co ważne, zanim podpiszesz umowę, dokładnie sprawdź wszystkie zapisy. Każdy ubezpieczyciel samodzielnie ustala zasady ubezpieczenia i zakres ochrony.

Co wpływa na cenę?

Cena ubezpieczenia AC uzależniona jest od wielu czynników, między innymi parametrów samochodu (marka i model, pojemność silnika, rok produkcji, przebieg) oraz danych kierowcy (wiek i doświadczenie, miejsce zamieszkania). Na stronie beesafe.pl możesz w prosty sposób obliczyć wysokość swojej składki.

Kiedy warto?

Ubezpieczenie polecane jest przede wszystkim osobom spędzającym w za kierownicą znaczną część czasu oraz kierowcom niegarażującym swoich samochodów. Ponadto, dodatkowe ubezpieczenie zapewnia komfort psychiczny, dzięki czemu jazda staje się przyjemniejsza.

 

 

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