Before committing to an insurance policy, the company “measures seven times.” One of the ways to make sure that the insured is honest before signing an OSAGO or hull insurance contract is to conduct a pre-insurance inspection of the car. In what cases can the car owner avoid interference in the “private life” of the vehicle and is it worth it?
According to statistics, a pre-insurance inspection of a car before concluding a hull insurance agreement helps insurance companies reduce payments by 15-20% in the future.
What is a pre-insurance inspection
This is a separate service provided by the representative of the insurer, as a rule, a trusted organization for independent examinations. Insurance agents and account managers, who were previously entrusted with this function, are now deprived of such powers, since they are considered interested parties.
During daylight hours or under good artificial lighting, the specialist performs a number of procedures: checks the technical data, examines the equipment, looks for damage, then displays everything in detail in the pre-insurance inspection report. The latter is accompanied by a set of photos: the car from all sides, from the passenger compartment, the place where the VIN is indicated, the roof, etc. In total, about 30 photos are taken.
Photos are taken in color on a digital camera, with the current date and time of shooting on each picture. The minimum allowable size is 3 MP, resolution is 1360 x 2400. The photo must have a front and rear view, including at an angle of 45 °, right and left, an image of the engine compartment, roof, windshield from the outside and inside, wheels and tires, salon. They take pictures of the instrument panel, sunroof, panoramic roof, speedometer readings, driver’s door trim, sets of keys and key fobs, equipment.
Experts look at the speedometer reading to make sure the driver didn’t underestimate the mileage.
5 goals he pursues
- Make sure that the car really exists and matches the description.
- Check the body number and VIN on the hardware with those indicated in the TCP and STS.
- Specify the complete set (tires, disks, headlights, anti-theft systems, standard and additional devices, etc.).
- Fix on paper and photograph the damage to the body, glass, external lighting devices, interior trim.
- Make sure that the value of the car declared by the owner corresponds to the market value.
The vehicle is subject to the following requirements:
- cleanliness (otherwise it is impossible to objectively assess the condition of the paintwork);
- readable VIN numbers of the body and chassis;
- providing access to the engine compartment or other locations of marking plates and other information.
Secrets of Proper Preparation
Secret 1 . Wash the car immediately before the procedure at the car wash located closest to the place of the procedure. Or, if possible, invite an expert there.
If the weather is bad outside, invite an expert for a pre-insurance inspection of the car directly to the car wash
Secret 2 . Check in advance, for example, at a dealership or at specialized forums, where the body identification number is located on the vehicle.
Secret 3 . Check that you have taken with you the registration certificate and the TCP, provide all copies of the original keys and key fobs from the alarm, so that in the future you will not be denied payment due to the risk of “hijacking”.
Secret 4 . Make sure that the procedure is carried out in good light, preferably in an open area, ideally at noon. Otherwise, there is a risk that there will be glare in the photo, which the insurer will wrap in their favor. If the weather prevents it, it is better to reschedule the meeting or find a well-lit, spacious garage where you can take pictures from different angles. But keep in mind that not all insurance companies allow indoor inspections.
During the visual inspection, the specialist analyzes the condition of the paintwork for the presence of chips and scratches, corrosion and abrasions on it. The equipment, the condition of the optics, as well as additional equipment that is accepted for insurance can be checked. Another obligatory object of attention is the protection and search devices for the vehicle.
When is an inspection not needed?
This privilege is used by owners of new cars that have not left the territory of the car dealership. Those who renew the contract for a new term can do without this procedure, provided there are no accidents under the previous policy. Is it an advantage? The question is moot.
So that in the future the insurer does not force you to prove that at the time of signing the contract the car was not damaged, make sure that the hull stipulates the right not to undergo an inspection for one reason or another. Otherwise, you will not see payments for an insured event!
If for some reason the pre-insurance inspection of the car was allowed not to pass, make sure that in the future this will not play a disservice to you
Is it possible to refuse and is it worth it?
It is possible, but you run the risk that they will not conclude a voluntary auto insurance agreement with you . If the coveted policy still ends up in your pocket, you may face serious restrictions on payments, up to the introduction of a deductible for the risks of “damage” and “theft” in the amount of 99% of the insured value. Another point: insurers who are ready to issue insurance without inspections are alarming – will such a company be able to pay compensation?
Based on the results of the audit, a standard act is drawn up, including the following items:
- information about the vehicle (make, VIN, registration plate, mileage, engine power);
- a verbal description of the nature of the damage or a mark “no damage”;
- equipment included in the standard package is marked with a tick;
- not incoming – entered manually;
- number of photos;
- time and date of inspection;
- signatures of the parties.
The owner of the vehicle receives a copy of the pre-insurance inspection report. If this does not happen, be persistent and get a document so that in the future you have something to protect your interests. If you do not agree with the opinion of the verifier, do not rush to sign. You can dispute the results by contacting the head of the company, of course, if there are grounds for doubt. The procedure will be assigned to another expert, and if you are correct, the previous results will be canceled.
Pre-insurance inspection of a car is a responsible event. However, if you are counting on the fulfillment of obligations by the insurer, do not look for ways to avoid it. The act of passing is a kind of guarantee that in the event of an insured event, the damage will be covered for you, and the absence of an inspection certificate can cause many problems.