«Never it is necessary to save on the insurance!»
It is the basic advertising product of any insurance of any object in any staff!
Life insurance, accident, the car, a building, your responsibility, any other insurance - this advertising product should be observed necessarily.
Insurance
The basic sense of a principle that there are certain mathematical dependences of calculation of tariffs. Those tariffs which the insurer suggests to pay to the client on signing the insurance contract.
Mathematical dependences are based on the statistican of insured events, which in the same regions, on the same objects , by the same kind of insurance, on big the degrees, identical. And time the statistics also tariffs which are offered by fair insurers, in the given region on the given object should be about identical level is identical. They can differ, but no more than on 20-30 % from each other (usually, the more largely the company, the above tariffs), and, certainly, cannot differ in times, and such happens!
If the tariff which is offered you by the insurance company, is distinguished in a root from tariffs of the leaders of the insurance market checked up in the years in your staff is an occasion to become thoughtful over "the strange" offer.
Anyway the economy at insurance, for example, on 10-20 % (that can seem the insignificant sum) - can turn back the big trouble further when at insured event approach, the unfair insurer, cutting down the expenses (and whence at it incomes, time he offers all low tariffs?). Without wishing to pay a loss, will demand from you all new and new documents on insured event, or at all will declare non-observance of Rules of insurance and will suggest to address in court.
The more low the tariff which to you offer (in comparison with others similar), the reflect more strongly. The more cheaply - the more suspiciously. This well-known rule works here on all of 100 %.
It is a little economy - nevertheless it is possible!
Let's notice that the small economy at policy purchase nevertheless is possible. There are two ways:
§ The worst for you (its insurer will offer with readiness);
§ The best for you (its reception will demand some knowledge);
Way the worst.
For your economy the insurer can suggest to conclude the contract of insurance with the franchise. The franchise is not compensated part of a damage of your property and is expressed usually in currency of the policy of assurance. For example: you insure the car for 5000 dollars, and the franchise - 250 dollars.
At the conclusion of the contract of insurance without the franchise the tariff which you pay to the insurer will be, for example, 7 % from car cost, but at the conclusion with the specified franchise - the tariff will decrease, for example, to 6 %. The economy, like, is available. But if you have an insured event in which the damage will be less than the franchise, that is established, according to rules of application of the franchise, payment to you will not follow.
Hence, the key rule which should be remembered at the conclusion of the contract of insurance with the franchise consists that the effect from economy at insurance with the franchise can be incommensurable to real small losses, and also problems, their accompanying. Such economy - can «leave sideways».
Way the best.
About this way insurers prefer not to extend and will not tell to you if them specially not to ask.
At insurance it is necessary to know that the sum (an insurance payment) which you pay to the insurer, by its internal calculations always breaks into some parts. The insurer is initially ready to receive less one of these parts!
This sum (it usually makes from 10 % to 35 %) is called as a part of loading, the agency commission which the insurer pays to the insurance agent if you are insured through the insurance agent.
Therefore, if definitely want to save, always it is necessary to be insured not through the insurance agent, and at office of the insurer, but with a condition of decrease in the definitive tariff for the sum of the agency commission.
If you hear somewhere that the insurance company sells the policies only through insurance agents you deceive! Moreover, economically it is less favourable to each insurer to pay the commission to agents since thus he pays also considerable taxes in the budget.
If you hear from the insurer (but not from its agent!) about impossibility of decrease in the tariff for the sum of the agency commission know - you mislead, or on ignorance, or deceive.
At the best (almost always!) "impossibility" - consists in incompetence of the expert you serving which does not know from what there is a structure of the tariff or as it is spent, or in its unwillingness to rise from a chair and to co-ordinate the lowered tariff with a management. Or, perhaps, the insurer has established internal rules on which this commission (10-35 % from a payment) the expert receives, you serving. But this rule - perfect "linden" and you have a just cause to demand from the insurer of decrease in the tariff for the sum of the agency commission.
At worst the insurer can oppose to lower the tariff for the reason that the financial condition of the company (or branch) is nasty enough also non receipt of the commissions on settlement accounts attracts losses. But in this case business of this insurer slides with huge speed downwards. It is necessary to reflect, and whether there will be to you a loss payment through any time?
There are still reasons of unwillingness of decrease in the tariff, but their review is beyond given article.
Nevertheless, it is necessary to remember that decrease in the tariff for you for the commission sum is fair, lawful, effective and always is standard possible way.
If the tariff refuse to lower, reflect! Perhaps more eminent competitor of the chosen company is ready to meet you …
The minus consists that last word anyway remains for the insurer and to lower, thus the tariff for you is its good will.
