If the RCA is mandatory by law and covers damages to third parties, there are also “different” policies, designed to solve most of the problems, behind the payment of further premiums.
Let’s shed some light on the ARDs .
ARD: Various Car Risks
ARD is the acronym for Auto Rischi Various , and indicates the non-mandatory insurance coverage to be added to the RCA policy: the most classic are theft and fire, glass, vandalism, roadside assistance, legal protection or natural and socio-political events.
The various risk policies are optional insurance contracts that cover everything that goes beyond the Mandatory RCA : they give much more “freedom” to the companies, both on the coverage, on the ceilings, and on the costs to be proposed to customers (to learn more about the laws: what does the ‘RCA )
In fact, they can refuse additional coverage (for example if the car is too old), contractually decide terms and methods of compensation and establish variable deductibles: it is up to you to identify the best coverage and insurance company.
A note: remember that there are also clauses that indicate the maximum compensation limit, such as the Kasko, in which this is the commercial value of the vehicle itself.
ARD: Kasko and other additional guarantees
The well-known and widespread Kasko is the form of insurance contract of the Various Risks branch with the coverage (and also the costs) higher: according to the countersigned clauses in the contract, the insurance will cover any event that occurs to the car, regardless of the driver.
The only situation in which it does not intervene are the events that occurred to the driver who did not comply with the law (eg driving without a license or while intoxicated).
There are various types of Kasko that can be in:
- integer– the most expensive, compensates for any damage
- first absolute risk– the ceiling is contractually established, regardless of the value of the car
- first relative risk– the ceiling is decided as a percentage, in relation to the value of the car
- second risk– like the “relative first risk” version, but with the addition of a substantial deductible
- collisionor mini-kasko – intervenes only for damage resulting from a collision with another identified vehicle
An additional guarantee that falls within the ADRs and has been spreading in recent years is the insurance on the suspension of the driving license : this, as the name implies, protects you in cases of withdrawal of the license, or if you run out of points.
