Casco

Two important points: the content of the insurance contract and the reputation of the insurance company.

There are at least four clauses in the Casco contract that need to be carefully reviewed:

• the sum insured for which your vehicle is protected. Ideally, it should be 100% of the real value of the vehicle — no more, no less;
• risks — events in which damage to a vehicle is compensated, including theft and traffic accidents;
• exceptions — situations where the driver will not receive compensation from the insurance company;
• deductible — the portion of the damage that the insurance company will not compensate you for. It can be expressed as a percentage of the sum insured or as a monetary equivalent, for example, 100 euros. It is also possible to purchase a policy with no deductible.

All this information is included in the contract. If you need clarification, feel free to ask a representative of the insurance company. Be sure to ask what you need to do in the case of an insured event: what requirements you need to meet and what documentation you need to provide for the company to compensate for your damages. Ask for examples of other clients' practices so you can feel confident in making the right choice.