Volkswagen civilian car

How to buy a civil insurance policy for a Volkswagen and calculate the cost of insurance?

Have you bought a new Volkswagen Passat, Golf, Jetta, Touareg, Transporter, Caddy, Crafter, SS or any other? The first thing you need to do after buying it is to apply for a civil insurance policy for it. This is a policy that compensates for damage to the injured party if an accident occurs due to your fault. Other drivers must have the same policies so that in the event of an accident, they can compensate for damage to you and your car. That is why the civil insurance policy is a mandatory document and it is prohibited by law to drive without it.

OCTPV is also called this type of insurance. It protects only the injured party in the accident. This means that if the accident occurred due to your fault, the damage is covered only for other participants in the event, but not your vehicle. In order to insure yourself in this situation, you need to buy another type of insurance - CASCO.

How is the price formed?  

It depends on the following factors, which can be calculated on our website using the calculator:

1. Type of transport and engine capacity.
2. Place of registration of the car.
3. Does the driver have any benefits?

For example, let's take the following conditions: you have a Volkswagen Polo Sedan. The engine capacity is minimal, up to 1600 cm³. You need to issue an electronic policy for 1 year. There are no benefits, and the vehicle is registered in Kyiv. The price of such an insurance document can be from 1 to 2 thousand hryvnias.

Insurance with such parameters includes the minimum amount of damage: 130 thousand hryvnias in property compensation and 260 thousand hryvnias in compensation for health damage. Also, a deductible of 0 to 2500 hryvnias is the amount that you agree to pay if an accident occurs due to your fault.

The choice is yours

Furthermore, the cost of the selected Autocivilka depends only on you. You can pay extra to increase the amount of damage coverage (DCV). So, if you damaged an expensive car and its repair exceeded the insurance limit, you will not have to pay extra from your own wallet. Also, you can choose the insurance company with the cheapest insurance, or focus on the quality of services. To check the quality, study the companies, their rating and driver reviews before buying.