Insurance 0% (full insurance). The difference between 10% and 0% insurance? Insurance conditions
Every car is insured under the OSAGO system (in the event of an accident in which you are the culprit, our insurance company will cover the damage).
Also, all our cars are insured according to the CASCO system 10% (in Czech havarijní pojíštění s 10% -spoluúčastí, min 10.000 CZK). This insurance operates as follows: in the event of an accident in which you are the culprit, the insurance company covers 90% of the damage, but starting from the threshold of 10,000 CZK.
- damage on the car 120.000 CZK-> You pay 12.000 CZK
- damage on the car 20.000 CZK -> You pay 10.000 CZK
- damage on the car 8.000 CZK -> You pay 10.000 CZK
In case you are injured, the culprit insurance company pays all the damage caused to the car.
- Full insurance 0% covers all damage caused, except:
- Contamination of the interior;
- Damage to tires;
- Refueling with low-quality or other fuel (or, if mixed up, and refueled diesel car with gasoline and vice versa).
In case of damage exceeding 10.000 CZK (± 400 EUR) – it is necessary to provide a police report, we advise calling the police immediately after the accident, the phone number of the road support service is indicated on the green insurance card.
Each insured event is considered independent and is considered separately. For example, a scratch on a bumper in front and on a bumper behind are two separate insurance cases.
Comparison of 0% and 10% insurance.
|Insurance 0%||Insurance 10%|
|Damage payment on the body||0%||10%, min. 10.000 CZK|
|Glass||0%||10%, min. 10.000 CZK|
|Theft||0%||10%, min. 10.000 CZK|
|Low-quality fuel filling||Full payment||Full payment|
|Damage to tires||Full payment||Full payment|
|Contamination of the interior||Full payment||Full payment|
We advise you to take full insurance, as, according to statistics, insurance cases occur in 65% of all leases, and often not through your fault (they will scratch in the parking lot and leave), but since it is impossible to find the culprit, you will have to pay for repairs. And the extra saving of 60 euros on insurance will result in a waste of 250-400 euros, depending on the damage. In the end, spoil the mood and yourself and us
Our insurance covers the car, but not the drivers!