Hoger eigen risico bij dure auto’s vaak onterecht
Michel Walraven van Independer zegt dat het in veruit de meeste gevallen niet terecht is dat autoverzekeraars een hoger eigen risico voor duurdere auto’s berekenen. Dat komt voort uit het feit dat er naast een hoger eigen risico ook nog eens verschillende extra veiligheidseisen worden gesteld. Bovendien mag de klant al deze verplichte extra veiligheidseisen zelf bekostigen.
De heer Walraven zegt verder:
Bij de premiebepaling voor een autoverzekering kijken verzekeraars vooral naar verschillende zaken als: gegevens van het voertuig, schadevrije jaren, cataloguswaarde, geboortedatum- en postcodegebied van de aanvrager.
Gegevens voertuig en postcodegebied van de aanvrager:
- Gewicht: een zwaardere auto veroorzaakt gemiddeld een hogere schade-impact.
- Cataloguswaarde: een hogere cataloguswaarde betekent in de regel vaak ook een hogere schadevergoeding.
- Postcodegebied: schade- en diefstalrisico’s worden meegewogen op basis van je postcodegebied. Woon je in een omgeving waar meer schade wordt gemaakt, of waar meer diefstal is, dan is je premie hoger.*
Hogere eisen voor dure auto’s
Voor het verzekeren van duurdere auto’s stellen verzekeraars vaak extra uitgebreide beveiligingseisen. Zoals bijvoorbeeld de aanwezigheid van een versnellingsbakslot en een track-en-tracingsysteem. Daardoor zal een gestolen auto vaak makkelijker terug te vinden zijn. Sommige verzekeraars zijn van mening dat je met een dure auto meer risico loopt op schade door vandalisme of diefstal. In dat geval kunnen ze bijvoorbeeld eisen dat je de auto ’s nachts in een afgesloten parkeerruimte zet. Dus in veel gevallen moet je zelf extra kosten maken om risico’s op schade en diefstal te verkleinen.
Als een verzekeraar dergelijke extra eisen stelt, vindt Independer het in de meeste gevallen onterecht dat je daarbovenop ook nog een verhoging van je eigen risico krijgt. Je hebt tenslotte al extra geld uitgegeven om schade te voorkomen.
*Woon je in een buurt die verzekering-technisch slecht staat aangeschreven? Dan gebeurt het nog wel eens dat de verzekeraar een hoger eigen eigen risico vraagt. Hiermee ontmoedigen zij potentiële klanten om een dure auto bij hen te verzekeren.
Michel Walraven
Michel Walraven is bij Independer verantwoordelijk voor de externe communicatie. Independer is een onafhankelijk vergelijker welke inmiddels al duizenden consumenten aan het juiste advies heeft geholpen. De organisatie stelt missstanden in de financiele wereld aan de kaak. En helpt de consument – op een transparante manier – met het vinden van de verzekering die het best bij hen past. De combinatie van prijs én kwaliteit zijn daarbij leidend.
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It also makes use of the same SenseTouch technology as
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the harder you push, the more intense the sensations. Use the same techniques with your hands.
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Grabbing my suit out of the wardrobe, I do my best to look
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she left this life – like so many victims of this terrible disease
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The fear of being called racist motivates American corporations, universities, and other organizations to declare devotion to diversity through racial quotas.
White guilt produced a vacuum of moral authority that made American institutions legitimate only if they first
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So while AOL chatrooms seem destined to disappear,
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The cost of that umbrage-the Civil War with its 700,000 dead white boys, tens
of thousands of orphaned children, hundreds of thousands
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Plus, from this position, your partner’s pelvis will give you some clitoral stimulation-or you’re free to take that into your own hands.
Why it works: To really make this position a standout for deep penetration,
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It most often involves a temporary denervation of some of the nerves that
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While he had also returned to homosexual activity, this had only happened twice,
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For example, you ought to find out the threshold of your orgasm and work
on making the pelvic muscles stronger before you get to the
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dress code, wearing a fur coat, gold chains and an open shirt that
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Neither Brathurst nor other members of team interviewed by The Daily
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His website is famous for showing celebs in the worst
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Possibly one of the biggest breakthroughs is the development of user profiles.
Her portfolio from a remarkable six year ‘career’ is simply astonishing, including Vogue and
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I didn’t know her that well to be honest.
If this is something you’re worried about when making
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For decades, this meant framing a female character in a
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According to Wyn Ellis, insecurities from Lord
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After the case, Detective Sergeant Rob Grace, from West Midlands
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She’s been homeschooled except for electives for
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If he wanted to throw me back and take me
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