Neskaidrības par auto apdrošināšanu

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sēne
Nav tiešsaistē
Kopš: 01/05/2013
Ziņas: 32
Manīts: pirms 3 gadi

Izlasīju visus internetus, bet skaidrs netapa:

Nobukoju auto caur brokeri ar Goldcar Spānijā, pirms tam izvēloties arī viņu ļoti sikti ieteikto Damage Excess Refund DER, taču, kad atnāca rezervācijas vaučeris, saktos, ka iekļauta arī "Insurance wutg Zero Excess". Vai šis izslēdz vajadzību pēc DER? izlasīju septiņpadsmit veidos visas tās polises, bet skaidrību neguvu. Vai kāds var konsultēt šo? (Jo epastā no DER devēja norādīts, ka es laipni varu atteikties no apdrošinājuma, ja pārdomāju).

sēne
Nav tiešsaistē
Kopš: 01/05/2013
Ziņas: 32
Manīts: pirms 3 gadi

vaučerī pie informācijas par waiveriem norādīs sekojošais: 

Insurance & Waivers Information
 When you hire a car through rentalcars.com, your car rental agreement will normally include collision damage waiver & theft waiver. Collision Damage Waiver will waive your liability to pay for any damage caused to the vehicle during the period of hire. Theft Waiver provides coverage for the theft or damage resulting from attempted theft of the vehicle, its parts and accessories up to their full value and any loss that our car rental partner may incur. Both are subject to certain exclusions. Your liability is waived subject to you paying a charge, referred to as an “excess” which limits your liability to the cost of the excess only. In some instances, an excess will not apply and you will be advised of this at the time of making your booking. 
 Your rental includes Collision Damage Waiver and Theft Protection with zero excess. You will be required to leave a deposit of 600€ This deposit usually takes the form of a credit card, although cash is an option at some locations so please contact a member of our team if you require this facility as this must be confirmed prior to collecting the vehicle. If the vehicle is damaged during the rental, you will be charged up to a maximum of the excess amount. In the event that the renter has behaved recklessly or negligently or driven under the influence of drugs or alcohol you may be liable for the full cost Please note in common with most car rental policies there are exceptions to cover which may include windscreens, tires, the underside or interior of the vehicle, towing charges & replacement keys. Please check your agreement fully at the time of renting for exact exclusions. If you have any questions or concerns please do not hesitate to contact our team Please note a number of options may be available to buy locally which reduce your risk or can provide further cover to you & your belongings

Juris
Nav tiešsaistē
Kopš: 29/10/2008
Ziņas: 20447
Manīts: pirms 10 ned
Kur: RIX

Ja ir zero excess, tad loģiski, ka vairāk apdrošināties nav jēgas. Ja nu vienīgi tā papildus apdrošināšana nosegtu to, ko iekļautā ar zero excess nē — kā jau pieminēts tekstā, bieži vien tā nav spēkā riepām, mašīnas apakšas, interjera bojājumiem, stikliem utt…

Randoms
Lietotāja Randoms attēls
Nav tiešsaistē
Kopš: 03/12/2008
Ziņas: 457
Manīts: pirms 4 d
Kur: Rix

Zero excess nozīmē to, ka pašrisks (tie pirmie zaudējumi, kas jāuzņemas apdrošinājuma ņēmējam) ir nulle. Neko labāku tu dabūt nevari. Brauc mierīgi Smile

DJ
Nav tiešsaistē
Kopš: 09/01/2013
Ziņas: 432
Manīts: pirms 26 ned
Kur: Rīga

Riepām, mašīnas apakšai, interjera bojājumiem, stikliem utt. ar pašrisku 0 dēvē par SCDW, kur S ir Super, tad tikai piezvani nomai un gaidi, kad atvedīs nākošo. Smile