For departures on the car abroad the automobile owner should have «a green map» — the international policy of assurance of an autocivil liability operating in territory of the countries «Green map» (the majority of the European states, and also Belarus, Ukraine and Moldova). Russia also has joined the given community since January, 1st, 2009 «the Green map» works, as a matter of fact, as OI. If road accident has occurred in territory of the foreign state corresponding losses are compensated by that insurance company from which failures at the originator the contract «Green map» is concluded.
OIAL
One more kind of autoinsurance —OIAL which is voluntary insurance of the HARDWARE upon a damage, plunders, stealing is meant.
There are some considerable nuances which distinguish two kinds of insurance. The first type of the insurance is voluntary, concerns not only cars, but also other vehicles, and also provides that for compensation of a damage the victim in road accident, addresses in that company from which at it the contract of Avtokasko is concluded, thus the size of insurance payment is established by the most insurance company.
Concluding contract kasko, the automobile owner can choose the insurance policy form. The basic forms two: full autokasko and partial kasko.
Full kasko is maximum protection of interests of the automobile owner, whether without dependence from that it is or not the originator of road accident. Such type of the policy becomes obligatory at car acquisition on credit, thus the creditor bank insures the risks, on a case if the extra car will suffer in road accident.
Full kaskocovers many insured events and thus protects from the losses which have arisen owing to road accident, act of nature or a fire, insures also against car theft, from its self-ignition and explosion. An exception is the damage, turned out to be a consequence infringements of operational rules of the car.
Unlike full, partial kasko covers less wide list of insured events (more often car stealing is insured separately) which is defined by the insurance company. Choosing partial kasko, the automobile owner can insure the car on a stealing case. Secret plunder of the HARDWARE is meant this action from a place of its parking, an event by violent penetration into car salon. Here also open plunder of the HARDWARE (robbery), accompanied by threats of application of violence also concerns.
There are policies kasko insuring on a case of a damage which can be a consequence of damage or destructions of the car or its units. The autoinsurer in the contract makes a reservation that thus it is considered insured event. Usually road accident, a fire or explosion, acts of nature, illegal actions of the third parties are ranked as them.
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