CASCO insurance - what is it and how to calculate the cost of a CASCO policy online + rating of TOP-7 insurance companies where you can buy CASCO insurance

Good afternoon, dear readers of the financial magazine RichPro.ru! Today we’ll talk about CASCO insurance, namely: what is it and what is the CASCO policy for, how to calculate the cost of CASCO insurance for a car online and where it is possible to insure your car (cheaply).

From this article you will learn:

• What is CASCO and how is the term decoded (decoding of the abbreviation + definition);
• Advantages of CASCO insurance and its cost;
• Is it possible to combine hull insurance.

In the publication, the reader will find tips on how not to be fooled when buying a hull.

CASCO auto insurance questions are interesting for all owners and drivers of vehicles, especially for those who have just purchased a new car. Motor transport is considered a highly risky means of transportation, it is an expensive purchase, so owners need to protect it from possible risks, while maintaining their health and nerves.

How to insure a car profitably and reliably, read it now!

What is CASCO insurance and why is it necessary, how much does the policy on a car cost, how to buy it and where can I arrange CASCO insurance online - we will tell in this issue

1. What is CASCO insurance (decoding of the abbreviation) and why is it needed 🚗

In Russia, 2 (two) types of motor insurance are practiced:

• CTP insurance talks about compulsory liability insurance. Insurance protects the interests of third parties affected by the fault of the insured car.
• CASCO insurance - voluntary motor vehicle insurance against theft, damage and theft. Protects the personal transport of the insured.

"Casco"translated from Italian - it's a shield or helmet, he called the type of insurance of Italian cargo ships. Now the term CASCO refers to vehicles.

The abbreviation of the term CASCO stands for:

• TO - Integrated;
• BUT - Automotive;
• FROM - insurance;
• TO - Besides;
• ABOUT - Responsibility.

The availability of the CASCO policy provides the driver with confidence in the protection of his property, serves as a financial "airbag"although the cost of the policy high.

Of course, each owner of the Auto calculates his own risks, determines how high the probability of getting into unpleasant situations with the car. After all, there are often cases when the owner of a car does not manage the current situation, especially nobody is insured from theft or unintentional damage.

As the cost of modern cars approaches (and sometimes outstrips) the price of housing in a small city, car restoration will take a significant amount of money, and if stolen, the owner will lose his expensive property altogether. Therefore, in the last decade, the popularity of CASCO tends to be slow but stable growth.

The growing demand for CASCO is additionally based on the growing popularity of car loans. When obtaining a loan to buy a car, a prerequisite is vehicle insurance from hijacking, accidents and damage.

Nevertheless, the volume of insured by this type of car insurance is still negligible, but has all the prerequisites for growth.

Any transport is subject to insurance: passenger, cargo, specialized. The main requirements for transport are its age, condition and cost. The critical life of the machine is determined in the area 10-12 years old. If the car is older, SK will refuse its insurance. The market value of the car also matters. If he 3 years, but he has a poor technical condition, the presence of corrosion on the body, other damages, that is, his price is low, insurance will also be refused.

In addition, there are restrictions on transport, which is engaged in the transport of goods or passengers.

The requirements of the insurance company for the policy are rather stringent, which is explained by high risks. Therefore, mainly new, presentable cars in good technical condition are insured.

If an insured accident occurs under CASCO, damage is paid in two ways:

1. Compensation to the policyholder;
2. Car repair by an insurer that is accredited by the company.

A distinctive feature is the full protection of the interests of the insured against damage to his car in accordance with the terms of the contract.

Good to know: The execution of the CASCO agreement is possible both for the full package and for individual items, for example, only against theft.

CASCO-CTP - is it possible to unite?

Since 2013 in Russia, the issue of combining CASCO and CTP insurance policies is being considered. Initially, insurance companies were against this initiative, saying that it is completely different in nature types of insurance and it is not possible to combine them technically.

The combination of policies will lead to a significant increase in the cost of compulsory insurance. In addition, ICs do not insure vehicles that more than 10-12 years. And if the combined policy is made voluntary, then most participants in the road process will not be able to use this service and remain without the possibility of movement.

Therefore, an option is proposed simple pole joining to reduce workflowAt the same time, it is planned to leave two types of insurance as independent insurance products, which can be purchased separately. Such a system exists in the West and in USA.

The presence of a Euro-protocol in CASCO made it possible to introduce compulsory insurance of this type so that the state could control pricing in this market segment. Creating a unified CASCO registry will reduce the level of fraud in this area.

It is planned to make OSAGO the basic policy, as additional services it will be possible to insure the car at the same time in full or in part CASCO.

This initiative has several positive aspects:

• The possibility of state regulation of the pricing of the hull insurance.
• Reduced insurance claims waivers.
• Reduced insurance fraud.

To appear in Russia a unified CASCO-CTP policy or not, until it is determined exactly, the bill is under consideration.

The main advantages of car insurance according to CASCO

2. CASCO insurance - TOP-6 benefits of car insurance

It is believed that CASCO is the main protection of the car from unforeseen situations. The benefits of insurance are obvious, but you should carefully study and analyze them.

Advantage number 1. Price-quality ratio

Choosing an insurance company, the client first of all pays attention to cost and quality service provided. Direct insurance allows insurance companies to reduce their own costs and provide consumers with reasonable prices.

The introduction of the possibility of obtaining insurance through the Internet, by telephone, reduces the availability of insurance intermediaries for the transaction, thereby reducing its cost. According to experts, this allows to reduce the cost of the policy by 20-25%.

Advantage number 2. High insurance coverage

Valuation of a car is based on market prices for a car. The amount of compensation is the sum of the specific damage received, respectively, the maximum amount of insurance is paid when the car is completely lost.

In the event of an accident that caused a complete loss of the car, which is considered an insurance event, the reimbursement will be 100%. For the amount of compensation, you can buy a similar car with the same technical characteristics.

This is one of the main differences between CASCO and CTP, in which the maximum amount of insurance compensation is determined in the amount of 400 thousand rubles.

Advantage number 3. Quick reparation

Upon recognition of the insured event, the damage is paid within from 1 day. There are insurance companies willing to pay immediately upon presentation of evidence. With minor damage, a certificate from the traffic police is not even required.

Under compulsory motor liability insurance, the payment of compensation takes, as a rule, from 2 weeks.

Advantage number 4. One policy protects against many risks.

With the help of CASCO, vehicles receive protection from all possible dangers that may happen to him.

CASCO insurance happens complete or partial, aggregate or non-aggregate.

Full insurance protects against all possible risks:

• Complete loss of a car: theft, theft, explosion.
• Damage caused by a traffic accident from natural disasters.
• Expensive auto repair.
• Vandalism, illegal actions of third parties.

Partial insurance covers specificspecified in the contract the risks. All insurance companies have their own programs that allow you to individually choose the type of insurance. These may be programs: "Naked Casco", "Smart insurance", "Nothing extra" etc.

The more risks are insured, the more expensive the price of the policy, but the level of protection of the car increases. If you want to save money, you can insure the most probable risk, according to the owner, although this step is not welcome by insurance companies.

Advantage number 5. The policyholder independently chooses the term of insurance and the method of payment of the insurance premium

You can insure the car for a minimum period of two weeks, for a maximum of 5 years. When insuring credit cars, the insurance period is determined by the term of the loan agreement. In other cases, the insured independently chooses the term of the contract at its discretion. Usually, the longer the term, the lower the cost of the insurance policy. According to statistics, the most requested term is 12 months.

The client can always terminate the contract without payment of penalties and fines, while he will be returned a part of the paid insurance premium (if it has been paid in full). CASCO specific payout amount calculated by insurance companies individually.

Also the policyholder independently determines the frequency of insurance premium payment. This can be a one-time payment, a monthly or quarterly payment.

Advantage number 6. The insurer provides additional services

In order to save time and money of the owner of the machine, indemnifications may be included in the contract payment for the evacuation of damaged vehicles, mobile assistance services, car service dispute resolution.

If the policyholder has chosen auto repair as compensation, the insurance company independently organizes this process, beginning from choosing a car repair shop, ending auto parts delivery.

Additional services include the possibility of targeted insurance provided to the client. At the request of the insured, the policy can be delivered to any address, which will significantly save his time and effort.

Other advantages include additional features provided by specific insurance companies:

• Insurance with no restrictions on car storage at night.
• Old parts are replaced with new ones without depreciation.
• 24/7 support.
• Benefits for certain categories of drivers.

Thus, the client can always choose individual insurance conditions.

Cost CASCO is the main obstacle to the widespread distribution of services. In 2017, according to statistics, the average price of a policy is 55-65 thousand rubles. Acquisition of a car on credit additionally increases the insurance premium by 10-20%.

Additional disadvantages are the high opportunity to get into an unscrupulous insurance company, payment of compensation may take a considerable time.

Factors on which the cost of CASCO insurance depends

3. What determines the price (cost) of CASCO - a review of the TOP-6 factors for which CASCO is calculated

The final cost of the service depends on the presence or absence of many factors. Each insurance company tries to find an individual solution for policyholders by providing a variety of insurance programs.

CASCO cost is calculated as follows: the established base rate is adjusted for correction factors, the market value of the car.

Factors for which the cost of hull insurance is calculated are presented in a visual table:

Factor No. 1. Machine Specifications

Fundamental values ​​for determining the cost of hull insurance are the age and condition of vehicles.

If the car more than 10 yearsthe risk of breakage increases repeatedlyTherefore, the insurance company may refuse insurance.

The appearance of the car also has a significant effect: the presence of scratches on the body, traces of corrosion, other damage.

The value is the engine power of the car and its brand, cost.

The cost of spare parts and repair work, the likelihood of theft of popular cars depends on the car model.

Factor number 2. Insurance period

The longer the contract period, the lower the amount of the monthly insurance premium.

For example: When car insurance for 12 monthsmonthly insurance premium will cost the owner 30% lowerthan if he insured his car for 6 months.

Although in total terms, insurance for a year will, of course, be higher than insurance for six months.

The term is determined by the insured independently and must be taken into account when concluding the contract.

Factor number 3. Availability of insurance claims at the insured

Insurers appreciate clients with a great driving experience and no insured events. If the client has not previously had an accident, has not applied to insurance companies for compensation, he is guaranteed a good discount both with compulsory and voluntary insurance.

Factor number 4. CASCO insured risks from theft, death, disaster

The number of insurance risks included in the insurance may change its value in 2-3 times.

The more risks insurance covers, the higher the probability of their occurrence, and, accordingly, the higher the insurance premium.

The insurer has the right to include in the insurance any kind of damage, even the most insignificant, but this will lead to a concrete rise in the cost of the service.

For example: Insurance only against theft, death and natural disasters will cost 3 times cheaper than with the additional inclusion in the insurance of the cost of car repairs.

Factor No. 5. The degree of preservation of the car

Insurance companies are very demanding on the degree of safety of the car by the car owner. The cost of insurance will be reduced if there is a modern anti-theft system in the vehicle, if there is a garage or secure parking where the car is parked for the night.

When installing anti-theft systems, they must be agreed upon by the insured, they have their own requirements for their configuration.

An additional discount may be provided if the car has a DVR, circular cameras.

Factor number 6. How old is the owner of the car, what is his driving experience.

The length of service is determined from the moment the rights are obtained until insurance is completed, and how much time the driver actually managed the car does not matter.

The presence of a large accident-free experience reduces the risk of getting into an emergency, and, accordingly, the cost of the CASCO policy.

Also, the insurance premium depends on the age of the driver. For young people, feverishness and riskiness are characteristic, in the elderly, the speed of reaction is reduced, which increases the risk of an accident. The insurance coefficient is higher for age groups under 25 and over 65.

Statistics show that up to 80% Drivers without experience in an accident in the first year of driving. If the driver more than 65 years, his probability of becoming the culprit of an accident is 65%.

Young drivers in general may be denied the possibility of car insurance or insurance will be offered only from minor damage to the car. In some insurance companies, in order to attract customers, there are special programs for young drivers.

Also, the gender of the driver affects the cost of insurance. For women, a reduced coefficient is used. According to statistics, they are less likely to get into accidents due to the accuracy of driving and compliance with traffic rules.

Additional factors affecting the cost of insurance include:

• Policy selection: partial or complete.
• Franchise availability - the amount determined by the contract, deducted from insurance claims.
• Residence of the owner of the car. The larger the city, the higher the risk of accidents, and the higher the cost of insurance.
• Payment method subject to depreciation or excluding.
• Insurance Company. Rates for insurance are set internally, so the cost of insurance varies in different financial institutions.
• Statistics data about the frequency of cases of theft of a particular brand of car.

For example: In Moscow, the following car brands are considered the most stolen: Mazda 3, Hyundai Solaris, Kia Rio.

The purchase of a car on credit increases the cost of the policy due to the fact that credit organizations, as a rule, require insurance of a full package, interest on a loan may be included in the cost of a car.

A detailed step-by-step guide to the purchase of a CASCO insurance policy

4. How to buy a CASCO policy in 6 steps - step-by-step instructions on how to apply for an insurance policy

If the driver is okay with the documents, you can take out insurance quicklyand simply.

On the websites of insurance companies posted services for online registration of insurance. This will significantly reduce the time spent on its design and save the power of the insured. In this case, the policy can be obtained by mail, courier service, or by e-mail.

With any design option, you must go through the following steps:

Step 1. Choose an insurance company (IC)

From the right choice of insurance company depends not only on the cost of insurance, but the speed and completeness of payment of insurance compensation. Please contact stable and reliable companies that quickly settle their obligations.

Reliability is determined by the ability of the UK to make payments under contracts in any economic situation.

Prompt performance of obligations - This is the speed of payment in accordance with the terms of the policy.

In order to simplify the choice, you can contact the statistical agencies, where annual data on the work of companies are published, ratings are compiled.

Each company has its own programs, special offers, bonuses and discounts.

First of all, it is necessary to determine the average cost of car insurance in different companies. As practice shows, tariffs can be several times different in different insurance companies. Facilitate the search and calculation of hull help online calculatoravailable on company websites.

Further, the main criteria for choosing an insurer are:

• Work experience of a financial organization in the insurance market.
• Percentage of failures to pay insurance compensation to all hull insurance contracts concluded.
• Rating from independent agencies.
• Solvency of the company: physical quantities of profit, assets.
• Reviews about the company in independent forums. Although "popular" ratings can be subjective, often biased, made as advertisements for your insurance company, and anti-advertising for competitors.

To reduce the likelihood of unpleasant situations, attention is drawn to the level of service in the company, to fully and qualitatively inform the client about all the nuances of the transaction.

Step 2. Choose a suitable tariff

There are two options for CASCO insurance - fullor partial package. In the first case, the insurance covers all possible dangers; in the second, the policyholder independently determines the number of insured risks.

Usually, along with the full CASCO package, the policyholder is offered various bonuses and benefits.

For example: Some insurance companies offer the service of renting a car during the repair of their own car client.

According to statistics, the most popular type of insurance is"CASCOfrom theft".

It is also necessary to clarify the method of calculating insurance payments. There are aggregate and non-aggregate indemnities.

In the first case, accrual is made on the basis of the total number of insured events that occurred during the term of the contract. Moreover, upon the occurrence of each subsequent event, the insurance indemnity is reduced.

Another way involves the same payment for the entire duration of the policy, regardless of the number of calls to the company.

Step 3. Prepare a package of documents

Insurance companies offer a standard package of documents required for registration of insurance:

• Identity card of the owner of the vehicle.
• Driving license of the owner and all persons authorized for management.
• Technical certificate.
• Certificate of registration of the vehicle.
• The ticket of those inspection (if available).
• When buying a car on credit - a loan agreement.

It is proposed to fill out an application form, for the completeness and accuracy of the information provided, the policyholder is fully responsible. Providing inaccurate or knowingly false data that may reduce the insurance premium leads to invalidation of the transaction.

The list of necessary data is standard when applying for insurance at the office, through an agent, or online.

Step 4. Inspection of the car by the insurer

Car insurance without inspection is possible only if you purchase a new car through car dealerships. If the car was already in use, the conclusion of the insurance agent about it is required condition, presence / absence of defects etc.

By agreement, the car is driven into the salon or the agent leaves for inspection at the address indicated by the client.

Step 5. Pay the insurance premium.

The insurance premium can be paid to the cash desk of the insurance company, by transferring funds at the bank account to the company’s account through an electronic wallet. Payment is made either immediately in one amount, or according to the schedule, according to the terms of the contract.

Step 6. Get a policy

The contract is signed after careful study.

The main parameters of the contract are:

• The method of calculating payments under the contract.
• Franchise Terms of Use.
• List of non-insurance situations.
• Terms of technical inspections.
• The presence of additional terms of the contract, which are indicated in the annexes to it.

Getting the finished policy can be ordered through courier, by mail or to email.

Together with the policy, the policyholder receives: insurance contract, receipt of payment of insurance premium, instructions for verifying the authenticity of the policy.

5. Where to buy CASCO cheap (on favorable terms) - a review of the TOP-7 of the best insurance companies + rating of CASCO insurance companies by reliability

According to experts, the more reliable and successful the insurance company, the more favorable the conditions that it provides to its customers. This is due to the presence of a large circle of customers, the ability to provide reduced tariffs, benefits and bonuses.

TOP-7 of the most solvent companies in the insurance market:

1) IN-TACH (in-touch)

The company In Touch has been operating since 2008, is a subsidiary of the British insurance group. It has a wide range of insurance products, unique insurance programs. An individual approach to each client and acceptable insurance conditions are guaranteed. Included in the top thirty of the best Russian Internet companies.

Popular CASCO programs are: "Smart insurance", "Responsible Driving Movement".

Provides customers with additional discounts and bonuses. So, when you re-apply to the UK, the cost of the policy is reduced by 10%, there is a "Refer a friend" promotion.

It has a good level of payments and an average penalty in court.

2) RESO company guarantee

This is a universal insurance company operating in the insurance market for more than 25 years. It has one of the largest networks in the Russian Federation, Kazakhstan, Armenia, Belarus. The number of customers is more than 10 million.

It has an A ++ reliability rating and is a laureate of the People’s Brand award in the category of insurance premium.

Among the priority areas - AutoCASCO. Full and partial insurance packages are offered. There are advanced programs - calling a tow truck, recording cars on those. Inspection

Popular programs are: "CASCO - pros", "Insurance with a satellite antenna", "RESO-auto-Help-economy", "RESO-auto-Help-comfort".

3) SOGAZ JSC

It is the main insurance partner of Gazprom Corporation. It has been operating since 1993, it has 75 representative offices in the Russian Federation. The authorized capital of 25 billion rubles. (This is the largest authorized capital in the Russian Federation.) 1st place in fees for 2016, for the 1st quarter of 2017 - 1st place.

The level of payments for all CASCO insurance claims is 50%, which is a good indicator., As well as a low percentage of insurance claims collected through the court - the probability that the company will face the court in court is 1 to 66.

Exposes favorable rules for car owners, in the reviews there is an insufficiently high rate of payment of compensations. Popular programs include: "CASCO-classic", "CASCO-credit".

4) "VTB insurance"

A large insurance company operating since 2000. In terms of insurance premiums, it takes 7th place. More than 57 branches and points of sale throughout the Russian Federation.

It offers standard motor hull programs with insurance limit designation. A distinctive feature of programs is the presence of the concept of "constructive death" of a car - damage to 75% of the car. Under these conditions, the insured event is equivalent to the case of complete loss of the car.

SK offers an interesting program "Instead of hull insurance." Transport is insured against total loss or theft, while the cost of the policy is much lower than average.

Discounts, bonuses are provided to regular customers, various insurance programs.

5) INGOSSTRAKH

Has been working in the financial market for over 70 years. It has a wide branch network.

The payout level of 51% is a good indicator of activity, the probability of going to court is 1 in 193, which is also a positive point.

Types of hull insurance offered by the company:

• Policy "Technical assistance on the road."
• Feedback option.
• Policy "Overtime".
• Policy "Alarm".
• Policy "Tires-wheels."
• GAP policy.

A wide selection of programs involves an individual approach to the client. The discount from the base price reaches 80%.

6) Alpha Insurance

A large, stable insurance company. It has a wide branch network, and a large selection of insurance products. Including insurance of an apartment (home), life, etc.

Engaged in the online issuance of motor hull policies. Insuring a car is quick, easy and convenient. It has a good payout ratio and a low judicial rating.

Provides services around the clock. Among the popular programs is AlfaCASCO 50 × 50 +, which allows you to save up to 50% of the cost of the insurance premium. In addition, there are programs: "ALFABUSINESS", "ALFA ALL INCLUSIVE".

7) ROSGOSSTRAKH

The oldest insurance company, the successor of ROSGOSSTRAHA of the RSFSR. The state has a blocking stake. The priority is considered to be private insurance, including CASCO. It has the largest network, is represented in almost every locality of the Russian Federation (including mail and Sberbank). It has over 45 million customers.

Among the popular CASCO products: "Accident protection", "CASCO anti-crisis", "Economy 50/50", "Nothing extra", "RGS-auto protection".

There are programs for experienced drivers and beginners. The site has a CASCO designer that allows you to choose the best individual conditions, an online calculator that calculates the cost of insurance.

The company has a high level of payments - 79%, a high judicial rating, which is average.

Rating TOP-9 of reliable insurance companies by CASCO (according to the portal "insurance GURU":

The popular rating is slightly different, it looks like this:

1. RESO guarantee;
2. Ugoria
3. Alpha Insurance
4. IN TACH;
5. Tinkoff insurance.

This rating was compiled based on customer feedback on companies. The validity of the ratings was verified by an independent organization - the Insurance News Agency.

How to buy a CASCO policy through the Internet - registration steps

6. How to issue CASCO online - 7 main stages of purchasing a policy via the Internet

Accessibility, speed, convenience of obtaining CASCO via the Internet makes this service a popular insurance product. According to experts, in a few years all insurance companies will switch to CASCO electronic policies, CTP.

In more detail about the electronic insurance policy, we wrote in a separate material.

Making an online policy involves several steps. Let's consider each of them in more detail.

1) Choosing an insurance company

Tariffs for the motor hull are set by the companies themselves, so the spread in the cost of the policy may be significant. The main thing is to choose a company is not easy with cheap CASCO, and, in addition, solvent and reliable.

The main criteria for choosing an insurance company are:

• SK experience. It is better to choose a middle-aged company with at least 10 years of experience. Although young companies offer very good insurance conditions in order to attract customers.
• Rating. The most significant are the ratings of Expert RA agency, which it publishes on its website. An exceptionally high level of reliability corresponds to the A ++ rating. A + rating companies have a very high level of reliability. Just a high level of reliability with companies rated A.
• Payout Amount. This information is freely available on the websites of companies and rating agencies. Moreover, a negative indicator is considered either too high or too low. Optimal 50/50.
• The ability to take out online insurance on the company website. Providing online insurance speaks about the development of the company, its movement forward to modern technologies.
• Insurers reviews about the company. It is better to read reviews in independent forums, taking into account the presence of both positive and negative opinions. A popular rating may be subjective, but it helps to form a general opinion about the UK.

The eligibility of the company is determined by the presence of its license to carry out activities.

2) Choosing an insurance program

Online insurance offers how full hull packageand partial.

After a traffic accident, drivers can repair a car in several ways:

1. Receiving a refund in money by choosing the service station yourself.
2. With the help of the service station, which works with this insurance, then the payment goes directly to the station.

Special programs exist for risk insurance:

• "Hijacking";
• "Theft";
• "Loss"car.

The insured must take a serious approach to choosing a program, insuring his car against risks, based on individual operating conditions.

3) CASCO price calculation

The cost of insurance is calculated on the website of the selected company, on the combined portals that provide the possibility of calculating CASCO in several companies at once, in order to be able to compare rates.

Let's consider how to calculate CASCO online on the website of one of the leading insurance companies in insurance - Tinkoff Insurance:

An example of calculating CASCO insurance on a site. To calculate the cost of the CASCO policy, you need to fill out the necessary fields and click the button - Find out the cost

To find out how much CASCO costs per car, you must enter:

• type of insurance;
• data on the car;
• driver data;
• note the special conditions of insurance.

For example, with NISSAN KASHKAY car insurance, the cost of Taskoff insurance CASCO insurance starts from 36500 rubles.

Important! For accurate calculation of CASCO, you need to enter complete and reliable information of the insured and the car. The price of the policy can be adjusted.

Fill in all fields by car and owner. Then click on the “Checkout” button. Then you will be contacted and provided with all the detailed information on the cost, delivery time and insurance conditions

If you calculate the cost of CASCO online on a specialized service, then the calculation will be done right away for several reliable insurance companies. Of course, it’s easier and faster to calculate CASCO online for all insurance companies at once, but an additional fee may be charged from the buyer for the purchase.

An example of a CASCO calculator online for calculating the cost of a policy for all insurance companies

Important! In any case, we recommend that you calculate and arrange CASCO insurance on the official websites of insurance companies.

4) Filling in the online application form

After calculating the cost, if the client is satisfied with all the conditions and cost of the transaction, the questionnaire is filled out.

Main settings:

• Data on the driver: name, passport data, age, driving experience, license number.
• Data on the car: make, year of manufacture, technical parameters.

It is necessary to carefully approach the filling out of the questionnaire, any incorrect information can lead to the nullity of the transaction even after paying the insurance premium.

5) The choice of the method of obtaining documents

Policy delivery is possible by mail, courier, via e-mail. The form must necessarily indicate the delivery method, contact phone number, email address.

The fastest and most convenient is to reset documents to e-mail. In the same way you can take out CTP insurance. In more detail about online insurance, we wrote in a separate publication.

6) Payment of insurance premium

Payment of an electronic policy is carried out by transfer from a bank card, through electronic wallets (Yandex money, WebMoney, QIWI, etc.). If necessary, payment can be made in cash through the bank.

7) We print out documents

For 15 min after payment, the finished documents come by e-mail. They are printed out, checked for correctness of filling, the availability of a full package of documents. An electronic document has the same authority as its paper copy. Therefore, they put it with documents on the car and carry it with them.

This CASCO clearance method is suitable only for new vehicles; for used cars, an additional step is required - an assessment by a car insurance agent.

Popular CASCO nonpayment reasons

7. When can they refuse to pay under the CASCO policy - 5 main reasons for legal refusal 📛

You can not be sure that with a hull issued, the car is insured against any risks. When signing the contract, it is necessary to carefully study the list of insurance situations in which case there will be a reimbursement.

For example: The owner of the car left his vehicle with keys and documents, he went out to the store. Auto stolen. There will be no reimbursement under CASCO, since the owner did not observe the safety of the car.

Consider the main reasons for the refusal of payments:

Reason # 1. Intentional damage to vehicles

If the policyholder himself damaged the transport or the damage was caused as a result of other actions than indicated in the policy.

for example, the contract did not indicate that the transport is insured against icicles getting on it, as a result of such damage, payment will be refused.

If the car owner did not comply with the requirements for the operation of the car, as a result of which the car was damaged - also does not apply to paid risks.

Reason number 2. Violation by the driver of the rules of operation of the vehicle.

Often, the clause is included in the insurance contract: The client will be refused payment if "the accident was the result of a violation by the policyholder of paragraph 31 of the rules of the road." BUT 31st point - This "Technical condition of vehicles and their equipment" contains an impressive list of malfunctions and breakdowns.

Refund may be reduced due to "bald tires", or in connection with different tires mounted on one axis, broken headlights, broken washer. These factors can theoretically lead to an increase in the likelihood of an accident.

Reason number 3. When driving, a person who has no rights.

If a person who does not have the right to drive a car was driving an insured car, in the event of an accident (no matter who is to blame), there will be no payment from the insurance company.

Good to know: The insurer will pay for car repairs under CASCO, even if at the time of the accident there was a person behind the wheel who was not included in the vehicle insurance policy.

Reason number 4. Drunk Driver

If at the time of the occurrence of the insured event the driver was in a drunken or alcoholic intoxication, there will be no payment, even if he is not to blame for the accident.

Reason number 5. Place of origin of the insured event

CASCO insurance is valid only in Russia. When traveling abroad, it is necessary to apply for international green card insurance.

If you travel abroad without personal transport, then travel insurance may be required.

The refusal to pay insurance compensation will be received by those drivers who committed a gross violation of the rules of the road, did not notify the UK in time about the occurrence of the insured event, in case of insufficient documents submitted.

Important! If you have claims to the IC, the occurrence of disputes, the resolution of which requires legal experience, you need to contact the professionals.

There are legal organizations that deal with conflict resolution in favor of the insured.

8. How to save when insuring a car according to CASCO - 4 ways to save

After acquiring a new expensive car, it is unreasonable to leave it uninsured. CASCO insurance will provide not only financial protection, but also save the owner’s nerves and health.

When purchasing a policy, you need to know how to reduce your own expenses, how to insure a car against possible risks, while paying an adequate price?

So, we list the main ways to save when applying for CASCO insurance.

Method 1. Installation of anti-theft systems

The cost of insurance depends on the driver ensuring the safety of the car. When installing modern anti-theft systems, the insurance premium is reduced.

Important! Anti-theft systems are installed in agreement with the UK, otherwise you may incur additional costs, but this will not lead to a decrease in the cost of the policy.

In order to pay for the installation costs, the insurance contract is drawn up for a maximum period.

Method 2. Using CASCO with a franchise (what is it and what are)

The conclusion of a contract with a franchise reduces the cost of insurance. This is beneficial for car owners who insure mainly against theft or serious damage to the car, and do not intend to contact the insurance company due to minor scratches and damage.

The CASCO franchise implies exemption of the insurance company from payment of part of the damage. If indicated in the contractunconditional franchise, then each time a client contacts the insurance company, the amount of compensation is reduced by the amount of the deductible.

At conditional franchise the insurance company is exempted from payment if the amount of damage is less than the deductible. If the damage exceeds the deductible, then the client receives a full refund.

Method 3. Application of aggregate insurance amount

Insurance with aggregate insurance amount is at 8-10 % cheaper if one insured event occurs for the entire period of the contract. Such insurance means a reduction in the initial insurance amount after each payment.

For example: The car was insured on 500 thousand rubles. Upon the occurrence of an insured event, the insurance company pays the owner 50 thousand rubles, the total insurance amount decreases and becomes 500-50 = 450 thousand rubles, which is 90% from the estimated value of the car. Upon repeated appeal, the calculation of the payment will be made on the basis of 450 thousand rubles. etc.

Method 4. Buying a policy online

Buying a policy through the site allows save 10-20% cash, and increase the speed of paperwork. This is due to the lack of intermediaries in the transaction.

Also save on insurance will allow accident-free driving of the driver, participation in shares of the insurance company, CASCO registration in the same company many times.

The cost reduction will be facilitated by the rejection of additional options: calling the emergency commissioner, tow truck, round-the-clock help, etc. An additional discount can be obtained by paying a lump sum insurance premium.

Tips not to fall into the trap when applying for a CASCO insurance policy

9. How not to let yourself be deceived when buying CASCO insurance - 4 useful tips

Making insurance, you can not focus on attractive prices. Many scammers who trade in the insurance market earn money by offering customers low prices, good bonuses and loyal conditions.

Of course, payouts for such policies will not bein addition, the policyholder may be liable for submitting false documents.

To be sure of the validity of the CASCO policy, you should listen and follow the tips below.

Tip number 1. Get insurance only in trusted companies

It is necessary to choose a large and trusted company as an insurer. Before you draw up documents, look at the company's website, the presence on it of a license that provides the right to engage in insurance activities.

When you visit the office, check for permits, which should be in the public domain.

Tip number 2. Verify the authenticity of the policy

The policy is printed on a special form of strict reporting. It has several levels of protection - watermarks, metallized threads, barcodes. Upon receipt of the policy, the client is provided with a memo on how to verify its authenticity.

Important! Insurance claims are paid by policy number, therefore it is enough to carry a policy printed on plain paper with you.

The authenticity of the policy can be verified by calling the insurance company.

Tip number 3. Do not buy cheap policies

All insurance companies conduct seasonal promotions to reduce the cost of hull insurance. The cost of the policy can be reduced in 2-3 times.

Offer to buy a policy that costs in 5-10 timescheaper than in other ICs, it means that you are a scammer. Better contact another company.

Tip number 4. Check the policy for its presence in the company database.

It is quite simple to do this: find the hotline number on the official website of the company and, calling, name the policy number and ask to verify it with the registry.

If an accident occurs, the driver must actively act on his own:

• It is necessary to find and question witnesses who will help in controversial situations.
• To reveal the caused auto damage, indicate to the traffic police officer that he should include them in the inspection certificate.
• Exactly observe the terms of circulation in the UK and methods of making payments.
• In serious situations, it is better to involve an independent appraisal company for the examination.

10. Frequently asked questions (FAQ) on CASCO insurance

Let's try to answer the most asked questions on the topic of publication.

Question number 1. Can I buy hull insurance by installments and where can I do it?

CASCO by installments - This is a payment of voluntary CASCO insurance in installments. This method of car insurance is offered by almost all the largest insurance companies and, as a rule, on a free basis.

Since the cost of a CASCO insurance policy costs on average about 50-60 thousand rubles, CASCO insurance in installments for a car is a great opportunity to use.

As a rule, they buy a CASCO policy for a new car, because the buyer has so much spent on buying a new car. This way you can defer insurance payments.

Advantage installment insurance - the possibility of increasing the payment term for the CASCO policy.

Disadvantages serve:

• waste of time on additional visits to the office of the insurance company;
• in case of delay - additional inspections and penalties for late payment of the account.

All insurance companies have almost the same conditions for CASCO insurance:

• Number of payments - 2-4;
• Installment,% - 25, 30, 40, 50 each;
• The term between payments - 3-6 months;
• Rise in price of the policy - no or insignificant.

Question number 2. What is the difference between CASCO and CTP (what is the difference)?

CTP insurance is created to protect the interests of third parties, the CASCO policy protects your own car from all kinds of risks. Casco policy is much more expensive than CTP. In more detail about OSAGO insurance and how much OSAGO insurance for a car costs, we wrote in our previous issues.

Question number 3. What are CASCO insurance rules and where can I download them?

CASCO rules in each insurance company are different and you need to carefully read them before applying for a policy.

You can also download on the official websites of insurance companies. For example, you can read the insurance policy of ROSGOSSTRAKH at the link - rgs.ru/products/private_person/auto/kasko/pravila/index.wbp

Question number 4. How to calculate the CASCO policy on an online calculator and where can I find it?

You can find calculators for calculating the cost of the CASCO policy online for all insurance companies by driving Yandex or Google into the search bar. But we recommend that you find out the exact cost directly on the official websites of insurance companies.

10. Conclusion + video on the topic

To summarize:

1. Despite the high cost of the policy, CASCO insurance has a number of undeniable advantages.
2. Having hull insurance, the driver will be completely calm for his car.
3. It is possible to minimize the cost of the policy, while maintaining the quality of the service.

CASCO is not the most popular service in the insurance market, but its popularity is growing due to the purchase of expensive cars and the growing popularity of car loans.

Timely care of their own financial guarantees is an effective way to protect not only their own funds, but also the nervous system of vehicle owners.

In conclusion, we recommend watching a video of the RBC channel:

Questions to readers

Do you insure your car under the CASCO system and why?

Dear readers of RichPro.ru magazine, we will be very grateful if you share your opinions, experiences and comments on CASCO car insurance in the comments below.

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