Insurance of ancient cars
Insurance of ancient cars is one of the most mysterious areas in insurance. The foreign insurance companies also include set of clauses, nuances in such contract of insurance, etc. Now we shall consider the reasons, on which insurance. The elderly cars which have kept comeliness does not delight insurers and trembling, and compels them or at all to refuse in granting insurance protection to owners ancient cars, or to insure, but on such conditions, what willy-nilly you will reflect - and whether such policy is really necessary?
For that the insurance company could take up any risk, it is necessary for it to be defined with what damage can particularly arise and how many means it should pay as compensation. We shall take the usual, modern car. If it gets in failure, that, no problems with spare parts are present and cannot be - here they, newcomers, lay on shelfs in autoshops or in warehouses in specialized services. At insurance of ancient cars the situation varies. First of all, the insurant and the insurance company should be defined with cost of spare parts on the concrete ancient car.
Let's present a situation: in road accident the car of 1932 of release has suffered. It is obvious that to find the damaged details to it in collection, i.e. an ideal condition it is uneasy. And if to speak precisely it is practically impossible. How to be? Today there are various workshops which accept orders for manufacturing of spare parts to ancient motor vehicles. If the insurant agrees replacement of "native" details on new made it simplifies a problem. And how to be, if it does not agree? Thus, the person who is burning with the desire to insure the ancient machine should be ready to compromises, and is frequent rather serious.
Or it can agree with the insurance company about cost of details and in case of their damage, receive compensation and is independent be engaged in searches rarity spare parts. At the same time, the insurer has no right to go on notorious overestimate of cost of the insured car, therefore without attraction of experts which will lead Independent expert appraisal also will give out the conclusion, to not manage. In it the basic complexity also consists at insurance of such machines - to agree about conditions rather uneasy. Besides many insurers refuse to accept such machines on insurance because there is no statistics - but only such data allow the insurance company to judge profitability of insurance. With MTPL for ancient machines there are no complexities. Besides, it manages to their owners rather cheaply as the overwhelming majority of ancient motor-vehicles do not have high power parameters and accordingly, is insured without raising factors.
However, the potential danger proceeding from ancient machines obviously has not been considered by developers of the law. Possessing low power, high weight, insensitive steering management and nasty brakes such machines represent the raised danger that is not displayed at all in the law about MTPL.