information for calculates premium establishment car insurance
Important information: Before you the calculation module will use is important it that you read the information mentioned below.This information is necessary the correct introduce data. Not correct introducing correct data can cause large differences in premium and possibilities. Users:The user business the tenaamstelling of the vehicle in the name of the company couples, where the driver is important also. Also the user business has the possibility of settling VAT. The use business of the establishment car will imply mostly that goods of its own company are transported.Private the user will have the tenaamstelling of the vehicle on own name.. The private user does not have the possibility of settling VAT. At a number of insurance companies the private user can use also of the private car tariff. It does not empty weight of the car can then heavier be than 1500 kilogrammes. It is advise in that case 2 carry out calculations. 1 in the calculation module establishment car and 1 in the calculation module private car. And this way the cheapest premium to choose..Weight: In contrast to the private car, where the premium for a WA cover is stipulated, by empties weight. The train weight applies to establishment cars.The train weight = empties weight + laadvermogen. (maximum 3500 kg)In the calculation module must these indicate data you explicitly.Damage free years:Of the most important premium certain factors the number of damage is free years. On the basis of the number of perceptible damage free years the trede on the bonus/penalties ladder (no-claim the discount) is, as it happens, stipulated. Every year which you drive without an accident, you one build year. For each damage which you have caused (debt damage) loses you average 4-5 damage free years. Because of this it can occur that you negative damage has free years. Couple you is insured 1 year and you have caused (not verhaalbare) a damage in that year. In that case you have to with "penalties situation" - 4 years without an accident) slaughter that case you will get an allowance on the premium. At negative damage free years an insurance company will no longer accept you. Judicious then at your current society insures to remain.The calculation in our module has been based on the information filled in by you. The premium is eventually determined by the society, after you an original cancellation of an insurance policy declaration of your current insurer sends, on which the number of years without an accident is indicated. This declaration cannot be parent then one year. If there no original cancellation of an insurance policy declaration becomes discusses the premium will be corrected to 0 damage free years.If you can submit no valid original cancellation of an insurance policy declaration, you must calculation with 0 damage free carry out years. If you negative damage free years no acceptance or provisional cover can find.Beveiliging:A beveiligingssysteem is built in in cars to reduce robber stable risk. For some car types is possible a beveiligingssysteem obliges are put (particularly for more expensive and diefstalgevoelige type) the built in beveiliging must SCM/tno approved be.These have been subdivided in several classes: the new systems in classes 1.,2.,3.,4 and 5 and the old systems in classes a, b, B2, c and C2.There are three types obtain beveiligingssystemen with Scm-certificatie:CLASS 1 divides in 5 classes: startonderbreker CLASS 2 and 3: alarm systems.CLASS 4 and 5: vehicle following system which system chooses you also, as have been approved by SCM then weet you zekerdat it a qualitatively high-quality beveiliging for your vehicle are. Thanks to the oranje approval label of SCM she recognises you easily.Pay attention that you receive a certificate for the system which builds in you late!Below you find the functional properties of all types beveiligingssystemen. STARTONDERBREKERS (class 1)De first type beveiligingssystemen exist from an electric system with at least double an automatically integrating blokkering. This double blokkering contains in any case a discontinuance of the start engine and another, extra blokkering, generally on fuel supplies. The system contains no burgling detection and no alarmering. At vehicles which af-fabriek are already these provide on engine management with approved startblokkering work.ALARM SYSTEMS (class 2)Klasse 2 alarm systems exists from an automatically integrating double blokkering (just like class 1), burgling detection and alarmering (siren).ALARM SYSTEMS (class 3)Klasse 3 alarm systems has additional sabotagesignalering and slope detection beside the beveiliging of class 2. The siren which ensures the acoustic signalering, contains built in need flow supplies. The connection between the call centre and the siren takes place by means of an encoded indicator. If the wire between the siren and the call centre is cut through, the siren will descend class 4 on the noodstroomvoorzieningVOERTUIGVOLGSYSTEMEN (and 5)Sinds beginning 2002 has started the SCM with the certification of vehicle following system. With these systems it is possible a stolen trace vehicle after the robber stable. A class 4 or 5 system is always a combination of a class 1.2 or 3 system and a vehicle following system. The difference between class 4 and 5 is that at a class 5 system the vehicle following system is activated if alarm descends. At a class 4 system is that not the case. The vehicle following system is activated at class 4 systems by bewegingsensor or after a robber stable report of the owner. This results in the next class classification:SCM class 1 + vehicle following system = class 4SCM class 3 + vehicle following system which is not activated by class 3 alarm = class 4SCM class 3 + vehicle following system which is activated by class 3 alarm = class 5De robber stable and burgling reports are exclusively treated originating from approved systems by recognised meldkamers (PAC's). These are the same meldkamers which settle reportings of emergency for woonhuisbeveiliging. Only these meldkamers are competent pass on reportings of emergency to the police force. (source www.scm.nl)
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