Jak zaoszczędzić na ubezpieczeniu auta przy szalejącej inflacji?

  • Drożyzna na rynku motoryzacyjnym, paliw, części i usług serwisowych mocno uderza w polskich kierowców, a samochody trzeba też ubezpieczyć.
  • Sposobem na ograniczenie kosztów może być pakiet „mini casco” lub ubezpieczenie od konkretnego ryzyka, np. kradzieży, gdzie dla auta o wartości 40 tys. zł składka może wynieść ok. 209 zł/rok.
  • W przypadku NNW ważne jest niedublowanie ochrony oraz jej optymalizacja, np. koszt rocznego ubezpieczenia dla samego kierowcy możliwy jest już od 18 zł.
  • Przy assistance warto ocenić przydatność zakresu usługi holowania, zakwaterowania w hotelu oraz czas, na jaki będziemy potrzebować auto zastępcze.

Na skutek inflacji rosną ceny zarówno samochodów nowych, jak i używanych, drożeje paliwo, części zamienne oraz koszty serwisu. Posiadany pojazd trzeba także ubezpieczyć. W przypadku obowiązkowej polisy OC komunikacyjnej, z uwagi na jednolity zakres ubezpieczenia wymagany przepisami prawa można porównać oferty różnych towarzystw i wybrać tą najtańszą. Nieco inaczej wygląda to przy ubezpieczeniu AC. To ochrona dobrowolna, której zakres może obejmować kradzież, uszkodzenie lub zniszczenie pojazdu. Razem z Autocasco kupujemy zazwyczaj ubezpieczenie następstw nieszczęśliwych wypadków (NNW) oraz assistance. Wszystkie polisy kosztują, a więc mają bezpośredni wpływ na poziom składki. Jednak ich optymalizacja do rzeczywistych potrzeb może przyczynić się do ograniczenia kosztów, co jest szczególnie ważne w czasie wszechobecnej drożyzny.

– Zarówno ubezpieczenie autocasco, NNW, jak i Assistance są bardzo ważne i zdecydowanie rekomenduje ich posiadanie. Jednak w czasie wysokiej inflacji należy też szczególnie zwracać uwagę na kwestię kosztów. Jest wiele możliwości, które mogą dać oszczędności bez straty na poziomie ochrony ubezpieczeniowej. Aby tak się stało, warto przede wszystkim dokładnie zapoznać się z ofertami poszczególnych ubezpieczycieli, korzystając np. z internetowych porównywarek lub odwiedzając profesjonalnego doradcę ubezpieczeniowego – zauważa Marcin Dyliński, Dyrektor Departamentu Marketingu i E-commerce w CUK Ubezpieczenia.

Dokup mini do OC. To się opłaci!

Osoby, które chcą oszczędzić na ubezpieczeniu, ale jednocześnie mieć ochronę na wypadek np. kradzieży mogą dokupić do posiadanej polisy OC tzw. mini casco. To znane od wielu lat rozwiązanie, które w ostatnim czasie szczególnie zyskuje na popularności. Ciekawą ofertą jest też ochrona w zależności od wariantu i wartości pojazdu. W tej formule mamy do wyboru ubezpieczenie od określonych ryzyk, np. żywiołu, kradzieży pojazdu i szkody całkowitej, które możemy zakupić w dowolnej konfiguracji. I tak dla pojazdu o wartości 25-40 tys. zł roczna składka kształtuje się przedziale od 79 zł dla ryzyka negatywnych zjawisk pogodowych (np. pożar, grad, powódź), 209 zł w przypadku ubezpieczenia wyłącznie od kradzieży, do ok. 409 zł dla wszystkich zagrożeń ze szkodą całkowitą włącznie.

Do zmniejszenia kosztów ubezpieczenia może przyczynić się również ograniczenie zakresu terytorialnego polisy AC np. jedynie do terytorium Polski, o ile w okresie jej obowiązywania nie planujemy lub w ogóle nie podróżujemy naszym autem zagranicę. Niemniej istotną kwestią finansową jest deklaracja sposobu naprawy auta po ewentualnej szkodzie.

– Wybór sposobu naprawy pojazdu to istotny element ubezpieczenia AC.  Jeżeli posiadamy nowe lub drogie auto, warto oczywiście wybrać likwidację szkody w autoryzowanej stacji obsługi. Jednak jeśli nasz samochód jest nieco starszy, możemy rozważyć ubezpieczenie autocasco z naprawą w warsztacie współpracującym z ubezpieczycielem lub rozliczenie kosztorysowe. W ostatnim wariancie towarzystwo wyceni koszty uszkodzeń i wypłaci odszkodowanie na naprawę w dowolnie wybranym przez nas warsztaciezauważa Paweł Bukowski z CUK Ubezpieczenia.

Kilka ubezpieczeń NNW? Tak, ale to kosztuje więcej!

Przy ubezpieczaniu samochodu kierowca ma także styczność z ochroną NNW. Obejmuje ona następstwa nieszczęśliwego wypadku, który wystąpił bezpośrednio podczas poruszania się pojazdem po drodze. Działa, jeżeli wypadek miał miejsce np. przy wysiadaniu lub wsiadaniu do samochodu, podczas przebywania w aucie w trakcie zatrzymania lub postoju oraz w czasie naprawy pojazdu na trasie. Jednak u niektórych ubezpieczycieli podobny zakres NNW można też wykupić samodzielnie lub przy innej okazji niezwiązanej z ubezpieczaniem samochodu. Co więcej, ochrona zadziała wówczas nie tylko w wyżej wymienionych sytuacjach, ale także, kiedy ubezpieczony jest np. w pracy lub wykonuje inne czynności.

– Kupując polisę NNW przy ubezpieczeniu samochodu, warto sprawdzić, czy za niektóre ryzyka nie płacimy „podwójnie”. Stanie się tak, kiedy jej zakres pokrywa się z inną już posiadaną ochroną NNW zakupioną np. przy ubezpieczeniu mieszkania. Kolejną wskazówką, która daje pole do oszczędności, jest ograniczenie NNW jedynie do kierowcy, kiedy niemal zawsze jeździmy samemu zamiast szerszego, które ochroni zarówno nas, jak i pasażerów. W takich sytuacjach składka dla samego kierującego przy sumie ubezpieczenia 10 tys. zł rozpoczyna się już od 18 zł oraz 66 zł rocznie z uwzględnieniem pasażerów i sumie gwarancyjnej w wysokości 15 tys. zł – analizuje Marcin Dyliński z CUK Ubezpieczenia.

Jeździsz tylko po swoim mieście, po co ci holowanie w Barcelonie?

Usługi assistance pełnią coraz istotniejszą funkcję także w komunikacji. Pomoc związana z holowaniem, auto zastępcze, czy nocleg w przypadku awarii pojazdu cieszą się rosnącą popularnością wśród kierowców. Jednak wraz z komfortem idą również koszty. Wybierając usługi pomocowe, warto więc przeanalizować, który pakiet będzie nam faktycznie przydatny, biorąc pod uwagę to, jak i gdzie poruszamy się naszym pojazdem.

– Jeżeli jeździmy głównie po mieście, w którym mieszkamy i pracujemy, w niewielkiej odległości od domu nie potrzebujemy drogiego pakietu z usługą holowania na terenie całej Europy i zakwaterowaniem w hotelu. Kolejną kwestią jest możliwość ograniczenia zakresu i wyboru takiego wariantu, który zadziała jedynie na skutek wypadku i awarii. Wówczas składka np. dla początkującego kierowcy wyniesie już od ok. 60 zł rocznie. Opłacalne będzie też przemyślenie limitów odnoszących się do liczby dób, na które towarzystwo zorganizuje nam pojazd zastępczy – podsumowuje Paweł Bukowski z CUK Ubezpieczenia.

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