So it must be ideal. But in reality? Suppose a client has issued car loan for a period of three years, paid, of course, for everything, for what is believed, has issued the necessary insurance, but a year later bought on credit car was stolen and smashed. Autoowner sacred believed in what the insurance company will return everything to the penny, but there it was reward the company gives no "hands on" customer, and transfers to his bank account, which is a creditor. Of the funds received is kept debt, and the remaining money is paid to the client. The trouble is that the insured amount barely covers the bank debt, so no client does not receive compensation – this is the first point. Second, the policy of car loans insurance company provides an environment in which it is the right to refuse payment. For example, compensation is not you- injured when a car accident hit man, is not inscribed in the compulsory motor tpl insurance policy if the car stolen, together with documents provided by the insurer or not the full set of keys to car. In this case, the customer is face to face with the bank and independently calculated for the car, which actually is not exists.
Tricks Another minus insurance car loans – usually the bank, not the customer chooses a company-insurer. And, accordingly, the rates for insurance services are increased sometimes by more than 5 percent. But this is not everything! Every year the car is aging, and consequently decreases its value. Logically, should be on the decrease and the amount of hull insurance. So it is, if your car is not bought on credit.
And if the loan? Then the sum premium will remain unchanged until full repayment of debt. Besides, buying the "iron horse" on credit, the customer loses the ability to pay insurance in installments, while the purchase for cash such service provides all the insurance companies. Should take into account the fact that most insurers are taking under their "care" only cars equipped with alarms. So get ready to fork out for its acquisition and installation. And the last. Making liability insurance (compulsory and) under normal conditions, the insurer takes into account and experience, and driver's age, in the case of the auto loan is only one tariff for all. However, not all insurance companies are above the rules. Therefore, you always have the opportunity to find better conditions and more loyal partners. The big "pluses" Related costs when buying a car worth 300,000 rubles in loans with no down payment look like this: – opening a bank account – about 12 thousand rubles (one-time payment) – Bank account – 1, 5 thousand (monthly fee) – early loan repayment – 09.05 thousands – accessories – 5-7 thousand – insurance casco – 30000 – Insurance osago – 2,5-3 thousand – the monthly loan repayment (first half) – 10-11 thousand. In the end, you have to pay more than 50 thousand rubles addition to the amount of auto loan, and within twenty days are about 10,000 in debt.