Liability CarIinsurance of an authorized auto dealerby John Smith Proffesional Manager
No insurance - there are unplanned expenses
By default (and status obliges), customers expect from such companies the availability of liability insurance for the quality of services . But even where it was announced in advertising, in fact it may not be. Otherwise, why would dealerships most often ignore cases of damage to warranty cars during servicing.
However, according to some forecasts, in the near future the situation will change for the better for customers of official workshops. Against the background of more frequent incidents, information of which reaches the very top (car manufacturers' factories), corporate auto service insurance soon promises to be a must-have for Russian DCs (which for many years it has been for European and American service stations).
Why DC seriously thought about their Car insurance
As of August 2019, as insurers note, the number of inquiries and negotiations with dealers on the preparation of comprehensive insurance of a service and a sales platform has grown at least three times. Why? There are several reasons:
· After the recent crisis, the qualifications of DC employees have significantly decreased (this business is so structured that it has to get rid of the most expensive repairmen in order to retain the best sales people). With its decrease, the number of car warranty accidents for which you have to pay has increased. Employee liability CAR insurance in such a situation is considered by many large companies as a necessity.
· Not only in shopping centers, but also in prestigious car dealerships, fires have become more frequent over the past three years. Companies suffer huge losses, are forced to turn to the head office for financial support, and look for the culprits of the situations. All this time the service is idle, and with Car insurance of legal entities could receive compensation and resume work faster.
· Only in 2019, three USA Car Insurance dealers of famous brands received a thorough “catch up” and a fine from partners for the replacement of parts. Of course, liability insurance for the quality of repair work would not save them from fines, but at least they did not have to pay at least for new parts instead of those sold by a careless car mechanic.
It is high time
The need for insurance support for car services - repair units of official car dealers - has matured objectively. And immediately a problem arose: many applicants for answers to questions about the possibilities of affordable car insurance for a car repair shop simply do not understand what they need to take into account in the program. Insurers do not have ready-made “boxes” for either private service stations, even if they are certified, or for dealers of automobile brands. That is, the protection program must be formed individually. What should be included in it?
Dealer Integrated Insurance Checklist
To answer the question (without particulars), it is necessary to disassemble the assets and liabilities of the insured, which may be lost as a result of the incident. It is on them that insurance coverage under a car service insurance contract should apply. This includes:
· buildings (classic insurance of commercial real estate or equipment, if it is a prefabricated block);
· expensive electronic, hydraulic, pneumatic and mechanical equipment (equipment insurance against named risks with a list of equipment);
· personnel (the most difficult question regarding comprehensive insurance of enterprises of any profile is insurance against employee fraud, it always consists of a separate option at an individually calculated rate).
The algorithm of actions at the conclusion of an insurance contract of an official dealer of a car brand may differ. The policy is issued either with a preliminary check or without it (including online, through CA "GALAXY insurance" ). In any case, it is very important to compile an inventory and evaluate all objects of the insurance program that are placed under coverage. Here we, as the representative of the insured, are ready to provide competent assistance (by phone, email, chat or in person).
Created on Dec 11th 2019 00:43. Viewed 140 times.