Autocasco money and parking is a pity.It will not always pay off to report

Insurers grant drivers a discount for harmless driving.If the vehicle owner reports damage to AC, it will negatively affect the amount of the premium when renewing the policy.He may lose some of the discounts developed for harmless driving in virtually any case in which he eliminates damage to the autocasco policy.

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A way to preserve the accumulated discounts at AC for the course of insurance, despite the occurrence of damage, it may be to buy/use additional insurance to AC, the so -called.guarantee of discounts or protection of discounts.

- Unfortunately, this is a product proposed only by a few companies.The offer can only be directed to a selected group of drivers (e.g..extending AC agreements, harmless), and the contract usually contains restrictions on the value of damage or the number of damage, e.g..Protection covers only the first damage - explains Stefania Stuglik, an expert in DS.Rankomat motor insurance.pl.

This is a particularly recommended option when we have several vehicles, but not only then.

- The people who share the car to others should think about this supplement, e.g..children.When buying protection, you should pay attention to whether the insurer treats events in OC and AC separately - indicates Damian Andruszkiewicz, director of the individual client communication department at Compensa.

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The guarantee of maintaining discounts works only in the company with which the client has concluded a contract.

- buying this option does not change the fact that the damage from Autocasco is noted in the Insurance Guarantee Fund database.That is why changing the current insurer to a company that does not guarantee maintenance of discounts after damage, it can have a negative impact on the AC premium - says Andrzej Prajsnar, an expert of the UBEA insurance comparison engine.pl.

Each pity, regardless of its type, results in a change in the discount for the current insurance.

- We do not distinguish between parking and others.Scratches or bumps in the parking lot, when they are reported, will have the same impact on the Polish-Psiębowa history as an incident on the road-says Krzysztof Kipert, Motor Insurance Expert at PZU.

Reporting any damage and payment of compensation reduces the discount - this is not always its total loss.The amount of change of the developed discount depends on the length of the harmless driving period.In the case of clients with a long harmless period, the change in the amount of the discount occurs to a different extent than in the case of customers with a short insurance history.

- It is worth noting that it is possible to conclude an insurance contract, e.g..windows, which, appearing as a separate product, gives the possibilities of repairing or replacing the damaged element without affecting the discounts in AC insurance - advises Marek Dmytryk, an expert from Wiener.

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The insured is not always profitable to report the parking damage company, because the loss of discounts would cost them more than repairing the car, especially when they carry it out in the workshop of a friend Mr. Kazia, and not at an authorized website.

- Recently, we have observed a decrease in reporting the so -called.minor.We have noticed that small scratches of the paint coating (i.e. damage most often in the parking lot) are often unrelated by customers or they try to restore the condition of the vehicle before the event on their own - says Marek Dmytryk.