The validity of Kasko is not linked to the responsibility of the driver incidence: this means that you are entitled to compensation even if the accident was caused by the insured.

The Kasko is therefore to cover all the damages caused by others, for which no one can call into question the policy of any liability, such as those related to the reversal, after the collision of an exit road, or any other type of impact that may be suffered by the car during road. The coverage of this policy can be expanded even further, paying a premium even higher, to other types of events, such as damage caused by riots, revolts, officers of the police, weathering, and vandalism generics. Clearly, given the wide coverage it offers, this is a rather expensive bill, but still recommended for those who run a high risk of incidents not directly linked to collisions with other vehicles. So it’s a policy that is well suited to certain situations such as that of neo patentee who have not yet acquired sufficient experience in driving or in cases of very expensive vehicles, of which the damage can run as a separate, well in excess of the cost of a Kasko policy.

The Kasko can be of two types: Full Kasko covers all damages regardless of the liability of the insured, the mini Kasko covers only damage caused by accidents – demonstrable (must possess and provide the details) – with other vehicles but not those that occur to the vehicle alone (exit road for example).

The Kasko can have different levels of coverage: the maximum is the value Kasko that covers any damage caused by a movement of the vehicle, it provides limits of coverage and there is a threshold above which the damage excess is not compensated, as it happens instead for all other policyholders Kasko. In any damage could incur the vehicle with the absolute value Kasko during movement in the street, you will get a compensation, regardless of its size.

It covered all the events of movement, also unrelated to the collision with other vehicles are also included shock exit of the road, overturning. It is for this type of Kasko that can be inserted even damage caused by events not related to road traffic, which can then be determined by various causes. Can in fact make good the destruction or damage to the vehicle caused by events related to the crowd, such as riots, uprisings, the officers of the police. Moreover, they are covered under the insurance umbrella Kasko entire value also made generic vandalism against their vehicles.

Kasko this policy can compensate the damage caused to self by events or natural disasters, which may be volcanic eruptions, earthquakes, floods, hailstorms, tornadoes. The policy Kasko an integer value that is unique for this type of events can also restore up to the value of the insured vehicle. The driver, for compensation, must comply with all provisions of the Code of the Road and in general of the Italian lawyer. In case of serious violations of one or the other could not get compensation unless expensive signing of the exclusion clauses similar to redress policy liability.

The first absolute risk, however, provides a cap which does not take the value of the car. The first risk is similar because it provides a ceiling, but the value calculated on the value of the car.

Kasko bills at first risk for example through the imposition of an upper limit (ceiling) to compensation for damages that may be reimbursed by the left to their own vehicle, are a good compromise solution for the motorist want access to a type of insurance coverage Kasko value within the entire remaining affordable.

Policies Kasko a first risk can be of two types: the first bills to Kasko absolute risk and the policies Kasko a first relative risk, divided into two categories, depending on how you calculated the threshold below which must be guaranteed compensation. Kasko a bill in the first absolute risk calculation of the ceiling is made at the time of conclusion of the policy, outlining a market value of the vehicle. When signing puts you agree to a level of coverage, which will remain unchanged, regardless of the market value of the vehicle and it’s degraded year after year. Kasko first in a relative risk calculation for the ceiling instead we must make as a percentage of value of the car. E ‘a type of policy a little’ less expensive because it takes into account the devaluation of wear and that the vehicle suffers year after year. At this value represents the maximum percentage that the insurance will reimburse in the event of an accident.

The second risk coverage provides a limit calculated based on the value of the car, as in the case of a first relative risk, which can be integrated but also a franchise that can be quite high.

The policy Kasko a second risk is a further possibility, which is still cheaper than the first risk, to enter into a Kasko convenient to economic conditions. While the total value Kasko cover any damage to the vehicle, without imposing a ceiling on the first and second risk guarantee the vehicle during the road, but only for damages which are below a threshold limit.

The special policy to second risk is that combining the limitation of the ceiling to that of a franchise. Specifically, the conditions of a policy on a first loss in more of a relief: the damages that are recovered are those between the ceiling and the franchise. The ceiling of policies according to risk is calculated in the same way as that of the first bills to risk the premium is based on a percentage calculated on the commercial value of the vehicle. The percentage, in contrast to that expressed in absolute terms, changes to changes in the value of the vehicle: i.e. it will decrease over the years, due to the loss of value that the vehicle undergoes over time. Thus, decreasing the value of the car also decreases the amount of compensation, calculated precisely, as a percentage.