QUESTION: Insurance: how to maintain a claim-free history and reduce the tariff?

K Maintaining a claim-free history and skillfully managing your insurance history is a real tool for significantly reducing the cost of CASCO and MTPL policies in the long term. Insurance companies always reward careful drivers who do not get into traffic accidents for years by providing them with significant discounts through the bonus-malus coefficient system. However, for this system to work for you, it is necessary to regularly monitor the correctness of data transfer and timely prevent possible errors in the unified PCA (RSA) database.

The best practice in insurance matters is a detailed comparison of two or three scenarios for the total cost of car ownership, which takes into account not only expenses for gasoline and repairs, but also the projected amount of insurance premiums considering your accident-free driving. This comprehensive approach allows you to objectively assess the benefit of careful driving and choose the optimal insurance program. If you become a participant in a minor incident, it is sometimes financially more profitable to resolve the issue on the spot or pay for the repair of a small defect yourself than to file a claim with the insurance company and lose the accumulated discount for accident-free driving.

For the systematic reduction of insurance tariffs and the effective management of your claim-free history, you should adhere to a specific order of actions.

A systematic approach to accounting for insurance history and maintaining the status of an accident-free driver guarantees you the lowest possible tariffs upon annual policy renewal and significant savings for your family budget.