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Voluntary insurance in Russia: features and rules. What are the rules for issuing Casco and OSAGO? Kupipolis insurance broker Ufa reviews

Voluntary insurance in Russia: features and rules. What are the rules for issuing Casco and OSAGO? Kupipolis insurance broker Ufa reviews

16.02.2022

The insurance rules are a complex document that regulates the features of the use of CASCO. Each insurance company interacts with the target audience in a special way, so it is extremely important to properly study the features of the agreement and evaluate the benefits. The main document used in cooperation with vehicle owners is the rules for voluntary insurance of vehicles Rosgosstrakh No. 171, adopted in 2009.

For whom is voluntary insurance offered?

Voluntary car insurance is available only for certain categories of citizens. At the legislative level, it is forbidden to draw up an agreement for the owners of the following vehicles:

sports and racing cars;
rare transport;
training machines;
cars that are listed as stolen or were illegally imported into the territory of the state.

In all other cases, voluntary insurance continues to be possible. To do this, you need to contact a specialized company.

Options for payment of insurance compensation

At the legislative level, interaction between a motorist and an insurance company is allowed. Each scheme provides for certain nuances that motorists must take into account.

Full insurance. In this, the amount of payment is calculated based on the damage done to the car. As a result, the damage is compensated in full.
Partial insurance, which is proportional and non-proportional. In some cases, the amount paid by the company will be less than the damage measured in financial terms.

Regardless of which option is chosen, the cash payment scheme always follows the same scheme, it is determined in advance and prescribed in the contract.

Voluntary insurance rules

The relationship between the owner of the affected car and the insurance company is always based on traditional rules. These aspects are classics for insurance in Russia:

The transfer of the established amounts is allowed even if the policyholder is the culprit of the traffic accident.
Documentary evidence is not required if serious damage was not received during the accident that destroys the geometry of the vehicle. Exceptions may be side-mounted mirrors, as well as a glass-based sunroof. Such a rule is allowed to be observed no more than once every 12 months, but this aspect also helps to facilitate the resolution of financial issues.
In most cases, financial issues are resolved taking into account the depreciation of the vehicle. At the legislative level, depreciation standards are defined, and in the first year the figure is 20%. For each subsequent year, 12% is taken into account.
Insurance compensation is not due if the motorist is faced with point damage to the body cover, which can be caused by pets, wild animals, birds.

All rules are mandatory for compliance with voluntary car insurance at the legislative level. This assumes guaranteed protection of the interests of motorists.

It is possible to insure transport not only against damage in road accidents, but also against potential theft. Without fail, all items that allow insurance payments to be made are prescribed in the agreements being drawn up. Traditionally, Rosgosstrakh provides comprehensive car insurance: damage + theft. Along with the traditional clauses, it is possible to discuss individual conditions for car insurance, which determine the nuances of potential cooperation between the client and the company, and establish the amount of insurance payments.

Cooperation is distinguished by a well-established scheme and transparency. Each client of the insurance company must take into account the features of cooperation, which are the same for the following stages:

stages of registration of the contract;
features of drawing up an act confirming the correct conduct of the machine and all existing damage, which the victim claimed;
scheme for determining the amount of insurance compensation;
methods of transferring funds;
return of insurance premium.

On the basis of the executed contract and the existing stages, it is possible to determine the specifics of further interaction with the client who applies to repay the required amount. It is important to note that the amount of insurance payments is always determined by one of the traditional methods, which must be taken into account by the clients of a specialized company.

Additional services

With voluntary insurance, an individual approach is provided. Each client has the right to use additional services:

a list of risks that can be insured for further financial coverage, and exclusions;
features of the execution of the contract with each new client;
scheme of actions in case of insured events;
requirements for the documentary solution of the issue of insurance compensation.

Specialists should always take into account not only personal interests, but also the wishes of the client. The quality of the services provided guarantees the maximum protection of the motorist from theft and accidents associated with the car.

Voluntary insurance of the driver and passengers

On a voluntary basis, insurance of the driver and passengers is allowed. In this case, it is customary to consider accidents that have led to serious damage to vehicles. Driver and passenger insurance can only be an addition to the main contract where the vehicle appears.

Features of voluntary insurance must be spelled out in an agreement signed by each of the two parties. For this reason, each motorist can choose the right program to guarantee the protection of his car with a clear definition of the level of risk.

Regardless of the chosen program, an insurance policy for 6-12 months is mandatory. An exception may be insurance for a car that was bought on credit, since in this case the document must be valid for the entire loan period, taking into account an additional month. It is important to note the possibility of a partial contribution to the amount of insurance, but this option involves an increase in tariffs by 5-10 percent. If the insurance policy is issued for a period of less than one year, you need to pay the full amount immediately.

Documents for registration of an insurance policy

The presence of all necessary documents allows you to successfully issue an insurance policy. A mandatory requirement is the successful resolution of documentary issues. The following package of documents is expected to be provided:

originals of the following documents: contract, title, registration from the traffic police;
documents confirming property rights to the car;
a copy of the restoration of the beginning of the criminal case;
additional document: decisions of the criminal investigation.

In each case, only after the provision of the entire set of documents, a successful solution of financial issues is guaranteed. In this case, the exact list of documents is determined on an individual basis.

Features of voluntary insurance

Despite the classic standards of voluntary insurance, the offer offers important differences from other options. It is often assumed that the following features of insurance are taken into account:

compensation for damage without taking into account the depreciation of the vehicle;
constructive loss - from 65% of the price of the car;
mandatory consideration of depreciation rates when calculating the amount of insurance payment;
an official notification of damage must be received within 1 to 5 business days, for theft - up to 3 business days;
payments are made up to 25 business days for damage, up to 80 for theft.

Rogosstrakh is a large insurance company in Russia, which has managed to gain an ideal reputation and guarantees honest cooperation with every motorist. Each client has the right to use the services of voluntary insurance, guaranteeing increased safety when traveling by car.

We all need protection, in the event of an accident, we must be sure that there will be relatives, people nearby, and also that we have enough money to cover all expenses. That's what insurance companies are for. If you have insurance, they will help you pay and cover all your expenses. Let's see what is so special about Rosgosstrakh when it is used and its basic rules.

Dear reader! Our articles talk about typical ways to resolve legal issues, but each case is unique.

If you want to know how to solve exactly your problem - contact the online consultant form on the right or call by phone.

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Terms of payment under the contract

In order to draw up a contract, you must verbally declare your desire, subsequently a written contract will be drawn up. After the document is drawn up and signed personally by the subject, it comes into force. Your insurance will take effect when you make your first installment, exactly at 00.00 the next day.

But there are cases when the terms of the contract may carry separate conditions, and therefore differ from the generally accepted ones.

If, after the contract is signed, one of the parties wants to make any changes to their agreement, it must be in writing, as an addition to the main contract, and secured with the signature of both parties.

Advantages

CASCO in Rosgosstrakh has a number of advantages, here are just a few of them:

you can get a certificate on service, contract and any other issues around the clock;
in the event that you need insurance due to a malfunction, accident or any other trouble, the company will not charge you interest for the wear and tear of your vehicle;
Rosgosstrakh offers a huge selection of service stations to repair your car;
you will not be given special requirements regarding the storage of your car, nor will you be charged extra money for this;
you can pay the insurance premium not immediately, but in parts, as if in installments;
This company is accredited by the largest banks.

Options

Rosgosstrakh provides different types of insurance, all of them are divided into three types (A, B, C), and each of them has its own characteristics and prohibitions.

BUT

Can be insured:

foreign cars are accepted, which are not more than seven years old;
domestic cars, only if their age does not exceed five years;

Program features:

you can only insure the car for the full cost;
the company that assesses the damage is determined by Rosgosstrakh, if repairs are necessary, you can choose a service station from the list or find it yourself, in the latter case, the company will simply provide you with money;
depreciation is not taken into account;

B

Can be insured:

foreign cars, which are from 3 to 12 years old;
domestic cars of the same age;
the sum insured is non-aggregate;

Program features:

it is possible to insure for an incomplete amount, and the ratio of insurance to the real value must be greater than 0.5;
examination by the amount of damage is determined by Rosgosstrakh;
the cost of parts is included in the insurance, but the amount of wear also plays an important role;
in order to evacuate a vehicle from the scene of an accident or repair, the owner is provided with up to 3,000 rubles.

IN

Can be insured:

foreign cars from 3 to 12 years;
domestic cars aged 3 to 12;
the sum insured is aggregate;

Program features:

it is possible to insure for an incomplete amount, and the ratio of insurance to the real value must be greater than 0.5;
in order to determine the amount of damage caused and the amount of repairs, Rosgosstrakh provides its company for conducting examinations;
the cost of parts is paid, but the amount of wear plays a big role;
materials and repairs are not paid to its owner.

Special

In addition to the fact that Rosgosstrakh provides assistance in assessing damage and repairing a car, it also has a special function, which is also called Roadside Assistance. This means that the company will help you right at the scene of the accident, as soon as you report that you have had an accident, a special commissioner will be sent to you to help you collect certificates and provide all the necessary information.

They can also help you deliver the car for repair using a tow truck and provide service assistance right at the scene of the accident.

It is worth paying attention to the fact that this program does not require you to participate in any other insurance or, in general, to be a client of Rosgosstrakh. Therefore, you can buy this program both for yourself and as a gift for your spouse, children, friends or other relatives.

In what cases the damage is not compensated

There are a number of actions that are not paid by CASCO Rosgosstrakh:

if the damage was caused intentionally;
if the driver was a person who was not registered in the contract;
the driver did not have a driver's license;
the object driving the car was intoxicated;
if the car participates in competitions or any tests on road transport;
if the car was damaged during military operations.

Regulation No. 171

CASCO Rules 171 consider cases upon receipt of funds, as well as compensation for all losses to the owner.

The price of the money that will be returned to the owner in the event of an accident depends on many factors:

make and model of the car;
the year of its release;
the type of repair needed - it can be a service station from the Rosgosstrakh company itself, or the driver can choose it;

Franchise Insurance

A franchise is rather another way to save money. So, with it, the driver or the person who insures his property has the right to pay part of the repair in the event of an accident. It is on this part that the insurance payment can be reduced.

But such a moment should only be used if you are completely confident in your driving skills. Indeed, on the one hand, this will help you save on insurance, but on the other hand, you can really get into an accident, and then you will have to pay for most of the repairs. For this case, you need to remember one saying - the miser pays twice.

An excellent replacement for the usual franchise is its dynamic version. In this case, the first repair of the car, in the event of an accident, will be fully paid by the insurance company. But if the situation repeats, you will have to pay for the repair at the previously agreed amount.

How payments are made

If, after an accident or any other action that is insured, your case was found to be true and necessary to pay, the insurers are obliged to pay the object. The amount of the cash payment must fully correspond to the amount specified in the contract. The terms and method of payment are purely individual and must be specified in the contract that you signed at the very beginning of your cooperation with Rosgosstrakh. in our guide.

Terms

The term of insurance must correspond to a period of 6 months to 1 year. But, as with every rule, there are exceptions. If you draw up a CASCO policy for a car that you took out on credit, you can issue it for the entire duration of the loan, plus one more month after the end of payments.

If you want to supplement or somehow change the contract, an additional document must be created, with the terms of the change and the signatures of both parties.

Cost how to calculate

For accurate calculations, the amount that CASCO will cost you can be easily calculated on an online calculator, for this you will need the following data:

make and model of the car;
the year of its release;
engine capacity;
data about the person who manages this tool;
vehicle cost;
CASCO program that you use;
the period for which you insure your car;
franchise and its size, if any;
the availability of means to protect the car from theft;
the city in which the contract is concluded;
the number of persons who can drive this vehicle;
the type of repair needed - it can be a service station from the Rosgosstrakh company itself, or the driver can choose it.

The calculator may also ask for some additional information about your insurance in order to accurately calculate its amount. After you fill in all the fields, the computer will process your data and provide you with a result with the cost of your CASCO insurance.

But there are cases when the terms of the contract may carry separate conditions, and therefore differ from the generally accepted ones.

There are a number of actions that are not paid by CASCO Rosgosstrakh:

if the damage was caused intentionally;
if the driver was a person who was not registered in the contract;
the driver did not have a driver's license;
the object driving the car was intoxicated;
if the car participates in competitions or any tests on road transport;
if the car was damaged during military operations.

If, after an accident or any other action that is insured, your case was found to be true and necessary to pay, the insurers are obliged to pay the object. The amount of the cash payment must fully correspond to the amount specified in the contract. The terms and method of payment are purely individual and must be specified in the contract that you signed at the very beginning of your cooperation with Rosgosstrakh. Read more about payment terms in our guide.

If you want to supplement or somehow change the contract, an additional document must be created, with the terms of the change and the signatures of both parties.

At the legislative level, several schemes of interaction between a motorist and an insurance company are allowed. Each scheme provides for certain nuances that motorists must take into account.

Full insurance. In this, the amount of payment is calculated based on the damage done to the car. As a result, the damage is compensated in full.
Partial insurance, which is proportional and non-proportional. In some cases, the amount paid by the company will be less than the damage measured in financial terms.

Violation of traffic rules. In a number of insurance contracts, it may be indicated that an accident that occurred due to the fault of the insured person is not an insured event. These accidents may include those that occur due to significant speeding, driving under the influence of drugs or alcohol, running a stop light, crossing a double lane, and driving into oncoming traffic. According to the traffic rules, drivers are allowed to drive on the road only in a serviceable car.

Wrong actions in the event of an insured event. It often happens that people lose the opportunity to receive Casco insurance payments due to a number of mistakes. Below are the most common.

Independent full or partial repair of the vehicle. Many motorists prefer to repair their car on their own rather than driving a wrecked car. Then they provide the insurance company with receipts or photographs of the repaired damage and believe that such measures are sufficient. But this is not so: when inspecting a car, an expert will not be able to assess the degree of damage. As a result, the payment will be denied. Therefore, do not repair the car yourself before the appraisal examination by the representative of the insurance company is carried out.
Late contact with the police. You may not receive compensation for damage under Casco if you do not report damage to the car immediately after they are discovered. If you left the scene of the accident, the police will not be able to reconstruct the course of events and the process of damage. Therefore, the protocol will not reflect the reason for their occurrence. As a result, the insurance payment will most likely be denied. That is why it is necessary to call law enforcement representatives immediately after an accident or damage to the car.

There are two ways to compensate for damages under Casco after an accident:

repair of a damaged vehicle at a service station;
cash payment to the owner of the damaged vehicle.

Insurance option. There is partial (against damage) and full (against damage and theft) insurance. Casco against damage will be much cheaper - the cost of a policy under such a program can be 20-40% lower than the price of a full insurance policy.

Sum insured. Reducing (aggregate) and non-reducing (non-aggregate). When choosing an aggregate amount, you should take into account that each subsequent insurance payment will reduce the size of the entire insurance amount. The irreducible sum insured will not change after the repair of the car.

Wear. Payments can be made with or without this factor. If the contract states that the amount of the payment will be calculated taking into account wear and tear, then the motorist needs to remember that the greater the wear, the lower the amount of insurance payment will be in the end.

Experience and age of the driver. The younger the driver and the less his experience, the more expensive the Casco insurance policy will cost him.

Term of insurance. The shorter the term of the insurance policy, the more expensive it will be each month, if recalculated. Therefore, for many motorists it is more profitable to take out insurance for a long period of time.

Installment payment. An installment plan can increase the cost of a Casco policy. This is a sought-after service, but because it involves certain risks, installment policies will be more expensive than those that provide for a lump sum payment of the insurance premium.

Insurance history. If the owner of the vehicle has a break-even history of hull insurance or OSAGO, then the price of the policy will be lower.

The presence of an anti-theft system. When signing the contract, it is required to indicate whether the anti-theft system is installed on the car. If yes, then it is necessary to register the name of the model and the manufacturer's company. The more reliable the system, the cheaper the policy will cost you.

Contractual coverage. If you want to protect your car to the maximum, and when you purchase the policy, you indicate that you need the maximum coverage (theft, damage in all cases, etc.), then insurance will cost more. But at the same time, the casco reimbursement will fully cover your costs.

Having a franchise. If you choose to include a deductible when purchasing your policy, it will cost you less in the end. But if an accident occurs, then the final payment will be equal to the amount of damage minus the deductible.

The most popular insurance product - "Protection"

A CASCO policy is issued for a period of six months to a year. If the insurance is drawn up for a car bought on credit, you can conclude a contract for the entire period of the loan repayment (plus one month).

The amount of insurance can be paid in part: 40% when issuing the policy, after three months - 30% and the rest - after another three months (or half at the time of issuing the policy and half after three months).

With partial payment, tariffs increase by 5-10%. If the insurance is made for a period of less than a year, the entire amount is paid immediately. If the policy is issued for an inexperienced driver, you can save by replacing the multiplying factor with an unconditional deductible of up to three percent of the insurance amount.

The auto insurance contract is concluded only in writing. The basis of the conclusion is the oral statement of the client.

Changes to the agreement are made by agreement between the client and the organization during the term of the agreement. All adjustments are made in the additional agreement. The term of the contract is from six months to a year (with the exception of cars purchased on credit).

The rules of voluntary auto insurance are described in Appendix No. 1. Here the conditions and procedure for concluding and terminating a CASCO agreement are considered, a list of vehicles that cannot be objects of auto insurance is presented. This list includes:

sports and racing cars;
rare, museum cars;
training machines;
cars listed as stolen or illegally imported into the country.

Additional mechanisms and devices can only be insured together with the machine.

The company insures against theft and damage. A complete list of insurance risks can be found in paragraphs 3.

The contract may stipulate individual conditions of auto insurance. When the nature of the risk changes, the terms of cooperation between the client and the company also change: the terms of the contract and the amount of insurance payments are revised.

Particular attention should be paid to the Auto Casco clause, dedicated to the relationship between the insured and the insurer in the event of an insured event, as a result of which the company undertakes to perform certain actions.

Paragraph 11 provides a list of documents required to receive an insurance payment:

insurance contract (original);
original documents for the car (PTS, registration certificate);
title document for the car;
a set of keys, activators of the anti-theft system;
decision to initiate a criminal case (copy);
decision to suspend or terminate the investigation (at the request of the company).

foreign cars under the age of five years are insured, domestic cars under three years old. The contract can only be concluded for the full value of the vehicle. The cost of spare parts is offset without depreciation. Expenses for the evacuation of the car from the scene of the incident are reimbursed in the amount of up to three thousand rubles;
cars aged from three to seven years are insured. The tariff allows full or partial insurance. Compensation for parts is paid including depreciation. Evacuation expenses do not exceed three thousand rubles;
cars aged 3 to 12 years are insured. The sum insured may be full or partial. Parts are compensated for depreciation. Consumables, evacuation and repair costs are not compensated.

The program from Rosgosstrakh is “Elementary CASCO”.

Insurance rates to the rules of voluntary insurance of vehicles and special equipment

originals of the following documents: contract, title, registration from the traffic police;
documents confirming property rights to the car;
a copy of the restoration of the beginning of the criminal case;
additional document: decisions of the criminal investigation.

In order to receive insurance payments for hull insurance in case of an accident, you must comply with all the rules for registering an insured event.

At the scene. Immediately after the accident, you need to call law enforcement officers in those cases for which payment without certificates from the police is not provided for by the insurance contract. Under no circumstances should the vehicle be moved. It is also undesirable to touch it after an accident, so as not to accidentally remove characteristic damage.

After the incident. After completing all the documents, contact the representative of your insurance company and report the occurrence of the insured event. Then collect a package of documents about this incident and send it to the insurer. You will also need to bring the car for inspection and fixing damage by a representative of the insurance company. When you hand over all the documents to the insurer, specify the registration date, number and terms in which your case will be considered.

Additional discounts are possible for customers who have already taken out insurance, but have not applied for payments.

The Rosgosstrakh company does not require certificates from the traffic police in case of damage:

Lighting device, related to regular. Or body related parts, in the amount of not more than two pieces. This also applies to paintwork.
One element of body glazing, except for the roof.

Sometimes an unconditional deductible becomes a replacement for coefficients, if the driver has a short experience at the conclusion of the contract.

The following list of actions must be performed by policyholders upon the occurrence of an insured event.

Notify the authorities of the Ministry of Internal Affairs about the damage caused by the accident. The insurance company must receive this information no later than three days after the incident.
Collect the necessary documents to confirm the amount of damage. It also provides an opportunity for inspection.

The representative of the company arrives at the place, and then determines what kind of compensation the client will receive. The main thing is that the circumstances themselves meet the criteria of insured events.

What influences the price

The cost of insurance of the same type is different for different insurers.

For example, the amount of wear. The service becomes unprofitable if it is equal to 25 percent per annum or more.

Here are some other factors that can determine the cost.

Sometimes insurers take into account what kind of load the car is experiencing. For personal purposes, CASCO is cheaper than for those who are interested in commercial activities.
The more people allowed to drive a vehicle, the more expensive the insurance will be. It is better to immediately take into account the possibility of adding an unlimited number of persons to the policy. It's cheaper than adding each separately later.
The more accidents and insured events the driver has, the more expensive the contract will be.
The cost is higher for those who, by the time of registration, managed to accumulate a small amount of experience.
For drivers over 65 and under 21 the price increases.
Aggregate amount means that with each insurance premium, the amount decreases. Policies with non-aggregate amounts are usually more expensive.
The percentage of insurance is higher for cars with more power and value.
But the policy is reduced in price if there is a reliable signaling for protection.
Even age with a model and brand can change the figure up or down.
Individuals pay less for contracts than legal entities.

When the damage won't be repaired

In CASCO, Rosgosstrakh does not pay damages if the influence of one of the following conditions has been proven.

The car was damaged due to military operations.
The vehicle participates in competitions or tests.
The state of alcoholic intoxication at the time of driving the vehicle has been proven.
The driver did not have the relevant documents.
There was a person behind the wheel, information about which was not in the contract.
Intentional harm.

The standard term of insurance has already been written above. But every rule has its exceptions.

A special calculator on the official website will help calculate the cost of the contract, at least approximately. You only need to fill in all the fields that are known to the client. The computer will process the data itself and show the answer.

Clients can be sure of the quality of the work performed. And the parts are accurately installed original, corresponding to the characteristics of the car itself.

Regardless of which option is chosen, the cash payment scheme always follows the same scheme, it is determined in advance and prescribed in the contract.

CASCO rules in Rosgosstrakh No. 171 provide for the procedure for considering insured events, calculating the cost of the policy, the process of settling losses, and much more.

Depending on the specific parameters, the price of the service increases or decreases due to the application of a correction factor. The price depends on a number of factors:

vehicle parameters;
driver information;
the presence of other drivers who are allowed to operate;
the nature of the insurance indemnity;
type of repair (at the service station at the choice of the driver or insurer);
region of operation;
selected risks (comprehensive insurance or a set of individual cases);
car cost;
failure in the previous year.

It also significantly affects the cost of a franchise. The client has the right to pay part of the damage on his own in the specified amount, by which the price of insurance will be reduced. This option is recommended for experienced drivers who have not been in emergency situations for a long time. This will allow them to significantly save on insurance.

Telephone consultation. In the event of an accident, you can call the operator and get advice on how to behave in an accident. The service operates around the clock.
Tow truck. If the car cannot move independently, the insurer compensates for the cost of moving it in the amount of 3 thousand rubles.
Appraiser. If the vehicle is not running, an appraiser will travel free of charge to determine the nature and cost of the damage caused.
Help on the road. An additional service, in which an accident commissioner visits the scene of an accident and helps in collecting certificates, draws up documents, registers a case and provides legal assistance.

Among the advantages, one can also single out the fact that the company does not establish mandatory requirements for car storage, i.e. there is no need for the vehicle to be in a guarded parking lot at night. When an insured event occurs, this parameter is not taken into account and does not affect the decision of the company.

Once a year, you can apply for compensation without certificates from the traffic police for cars worth up to 1 million rubles, for such situations:

paint coating of one part;
repair of two adjacent body parts.

In addition, several advantages have been developed for CASCO customers in Rosgosstrakh:

in the event of an insured event, CASCO customers are served out of turn;
after registering the application, it is possible to control the status of your case through an online resource;
if the amount of damage is not high, an accelerated procedure for the consideration of the case is used, which is about three days;
when repairing parts, the degree of their wear is not taken into account, new ones are installed;
new and warranty cars are sent for repair only to dealer service centers.

The company insures against theft and damage. A complete list of insurance risks can be found in clauses 3.2.1 and 3.2.2. Paragraph 12 lists the exceptions when compensation is not provided. CASCO auto insurance in Rosgosstrakh is the insurance of a car and additional mechanisms at the same time against the risk of “damage theft”.

Separate paragraphs of the Rules cover such issues as the procedure for concluding a contract, drawing up a vehicle inspection report, calculating the sum insured, methods of full and partial insurance, return of insurance premiums, etc.

Product - "Economy"

Advantages

CASCO in Rosgosstrakh has a number of advantages, here are just a few of them:

you can get a certificate on service, contract and any other issues around the clock;
in the event that you need insurance due to a malfunction, accident or any other trouble, the company will not charge you interest for the wear and tear of your vehicle;
Rosgosstrakh offers a huge selection of service stations to repair your car;
you will not be given special requirements regarding the storage of your car, nor will you be charged extra money for this;
you can pay the insurance premium not immediately, but in parts, as if in installments;
This company is accredited by the largest banks.

Options for payment of insurance compensation

Rosgosstrakh provides different types of insurance, all of them are divided into three types (A, B, C), and each of them has its own characteristics and prohibitions.

Can be insured:

foreign cars are accepted, which are not more than seven years old;
domestic cars, only if their age does not exceed five years;

Program features:

you can only insure the car for the full cost;
the company that assesses the damage is determined by Rosgosstrakh, if repairs are necessary, you can choose a service station from the list or find it yourself, in the latter case, the company will simply provide you with money;
depreciation is not taken into account;

Can be insured:

foreign cars, which are from 3 to 12 years old;
domestic cars of the same age;
the sum insured is non-aggregate;

it is possible to insure for an incomplete amount, and the ratio of insurance to the real value must be greater than 0.5;
examination by the amount of damage is determined by Rosgosstrakh;
the cost of parts is included in the insurance, but the amount of wear also plays an important role;
in order to evacuate a vehicle from the scene of an accident or repair, the owner is provided with up to 3,000 rubles.

Can be insured:

foreign cars from 3 to 12 years;
domestic cars aged 3 to 12;
the sum insured is aggregate;

it is possible to insure for an incomplete amount, and the ratio of insurance to the real value must be greater than 0.5;
in order to determine the amount of damage caused and the amount of repairs, Rosgosstrakh provides its company for conducting examinations;
the cost of parts is paid, but the amount of wear plays a big role;
materials and repairs are not paid to its owner.

Special

They can also help you deliver the car for repair using a tow truck and provide service assistance right at the scene of the accident.

CASCO Rules 171 consider cases upon receipt of funds, as well as compensation for all losses to the owner.

The price of the money that will be returned to the owner in the event of an accident depends on many factors:

make and model of the car;
the year of its release;
the type of repair needed - it can be a service station from the Rosgosstrakh company itself, or the driver can choose it;

The relationship between the owner of the affected car and the insurance company is always based on traditional rules. These aspects are classics for insurance in Russia:

The transfer of the established amounts is allowed even if the policyholder is the culprit of the traffic accident.
Documentary evidence is not required if serious damage was not received during the accident that destroys the geometry of the vehicle. Exceptions may be side-mounted mirrors, as well as a glass-based sunroof. Such a rule is allowed to be observed no more than once every 12 months, but this aspect also helps to facilitate the resolution of financial issues.
In most cases, financial issues are resolved taking into account the depreciation of the vehicle. At the legislative level, depreciation standards are defined, and in the first year the figure is 20%. For each subsequent year, 12% is taken into account.
Insurance compensation is not due if the motorist is faced with point damage to the body cover, which can be caused by pets, wild animals, birds.

All rules are mandatory for compliance with voluntary car insurance at the legislative level. This assumes guaranteed protection of the interests of motorists.

stages of registration of the contract;
features of drawing up an act confirming the correct conduct of the machine and all existing damage, which the victim claimed;
scheme for determining the amount of insurance compensation;
methods of transferring funds;
return of insurance premium.

Product - "Economy"

VOLUNTARY LIABILITY INSURANCE

VEHICLE OWNERS

I. General provisions

1. On the terms of these Rules, contracts of voluntary civil liability insurance of owners of vehicles (cars, buses, trolleybuses, trams, motor vehicles, tractors, combines and other self-propelled machines and mechanisms) are concluded for harm caused to third parties (victims) during the operation of these vehicles on the territory of the USSR.

citizens of the USSR, foreign citizens and stateless persons;

state and public, including cooperative (including collective farms) enterprises, associations, institutions and organizations "*";

"*" Hereinafter in the text - organizations.

foreign legal entities;

joint ventures, international associations and organizations with the participation of Soviet and foreign organizations, firms and governing bodies operating on the territory of the USSR.

3. Under the contract, the civil liability of the insured for harm caused to the life or health of citizens, their property and property of organizations is considered to be insured.

4. If the contract is concluded with an organization, then its effect applies to all persons who drive this vehicle.

Under an agreement concluded with an individual owner of a vehicle, the insured is the civil liability of the insured himself and his family members. This agreement does not apply to other persons.

5. Harm that arose as a result of the intent of the victim to cause harm to his health or property is not subject to compensation.

6. For harm caused to the life or health of the victim, compensation is paid regardless of the payments due to him under personal insurance contracts.

For damage caused to a vehicle or other property, compensation at the choice of the victim may be paid either in accordance with these Rules, or in accordance with the rules under which this property is insured.

II. Terms of insurance and insurance payments

7. Insurance contracts are concluded for a period of 1 year or from 1 to 11 months.

8. Insurance premiums are paid at rates established depending on the type of vehicle and its ownership.

9. Under contracts concluded for a period of less than 1 year, insurance payments are paid in the following amounts of the amount of the annual payment: for 1 month - 25%, 2 months - 35%, 3 months - 40%, 4 months - 50%, 5 months - 60%, 6 months - 70%, 7 months - 75%, 8 months - 80%, 9 months - 85%, 10 months - 90%, 11 months - 95%.

In the event that the insurance contract is concluded for incomplete months (for example, with a limited period of stay of the insured on the territory of the USSR), the insurance payment for an incomplete month is paid as for a full month.

10. Under an agreement concluded for a new term with an insured, for which damage was indemnified under the previous agreement, the insurance payment calculated on a general basis increases: by 25% - if the payment was made in 1 case, by 50% - in 2 cases, by 100% - in 3 or more cases.

in cash to the insurance agent (inspector) of the State Insurance Inspectorate simultaneously with the execution of the contract;

by bank transfer - through the accounting department of the organization at the place of work of the insured on the basis of his written order;

b) organizations - by bank transfer to the account of the State Insurance Inspectorate in the relevant banking institution.

12. Individual owners of vehicles upon conclusion of a contract for a period of 1 year, if the payment is 50 rubles. and more, have the right to pay it in two terms: 50% - at the conclusion of the contract and 50% - no later than 4 months after the entry into force of the contract. In this case, the payment of the second half of the payment by bank transfer is made out in a separate written order.

Organizations make insurance payments immediately for the entire period of insurance.

13. Soviet legal entities and citizens, foreign citizens and stateless persons permanently residing in the USSR, make insurance payments in Soviet rubles, and foreign legal entities and individuals, joint ventures, international associations and organizations with the participation of Soviet and foreign organizations, firms and government bodies operating on the territory of the USSR - in foreign currency at the official rate of the State Bank of the USSR on the date of payment.

III. The procedure for concluding an agreement

14. The insurance contract is concluded on the basis of an oral or written application of the insured - the individual owner of the vehicle and a written application if the insured is an organization.

15. The contract may be concluded at the place of residence or work of the insured, at the place of registration or parking of the vehicle, or at the time of its purchase in a state retail or commission shop, and with organizations - only at their location.

16. The contract is drawn up on the form of an insurance certificate of the established form. Any corrections in it are not allowed.

simultaneously with the payment of payments, if they are made in cash;

no later than 15 days after receipt of payments to the account of the State Insurance Inspectorate, if they are transferred by bank transfer.

18. On payment of the second half of the payment (clause 12), the insured is issued a receipt of the established form.

19. In case of loss of the insurance certificate, the State Insurance Inspectorate, which concluded the contract, issues to the insurant, on the basis of his written application, a duplicate of the certificate.

IV. Entry into force of the treaty and its duration

when paying insurance premiums in cash - from the next day after their payment, and when concluding an agreement at the time of purchasing a vehicle in a state retail store - from the day it is actually received;

when transferring insurance payments by bank transfer - from the date set for the issuance of wages (earnings), from which, according to the instructions of the insured, insurance payments were transferred;

b) for organizations - from the date of receipt of the calculated amount of insurance payments to the account of the State Insurance Inspectorate.

21. When concluding an agreement for a new term before the expiration of the previous agreement (renewal), the new agreement enters into force from the moment the previous agreement expires.

22. The validity of the contract ends in a year or as many months as it was concluded, after the expiration of the day preceding the date on which the contract entered into force.

23. When paying insurance premiums in two terms (clause 12), the contract is terminated 4 months after the expiration of the day preceding the date on which the contract entered into force, if the second half of the payments has not been paid by the specified deadline (regardless of the reason).

Franchise Insurance

A franchise is rather another way to save money. So, with it, the driver or the person who insures his property has the right to pay part of the repair in the event of an accident. It is on this part that the insurance payment can be reduced.

For whom is voluntary insurance offered?

Voluntary car insurance is available only for certain categories of citizens. At the legislative level, it is forbidden to draw up an agreement for the owners of the following vehicles:

sports and racing cars;
rare transport;
training machines;
cars that are listed as stolen or were illegally imported into the territory of the state.

In all other cases, voluntary insurance continues to be possible. To do this, you need to contact a specialized company.

CASCO rules in Rosgosstrakh No. 171: determining the cost of the policy

For accurate calculations, the amount that CASCO will cost you can be easily calculated on an online calculator, for this you will need the following data:

make and model of the car;
the year of its release;
engine capacity;
data about the person who manages this tool;
vehicle cost;
CASCO program that you use;
the period for which you insure your car;
franchise and its size, if any;
the availability of means to protect the car from theft;
the city in which the contract is concluded;
the number of persons who can drive this vehicle;
the type of repair needed - it can be a service station from the Rosgosstrakh company itself, or the driver can choose it.

Read a detailed guide to calculating CASCO in Rosgosstrakh.

Services

With voluntary insurance, an individual approach is provided. Each client has the right to use additional services:

a list of risks that can be insured for further financial coverage, and exclusions;
features of the execution of the contract with each new client;
scheme of actions in case of insured events;
requirements for the documentary solution of the issue of insurance compensation.

Annex No. 2 is devoted to the rules for the provision of additional services. The following questions are considered here:

list of covered risks;
exceptions;
the procedure for concluding a contract;
actions of the parties in the event of an insured event;
documents for receiving compensation, etc.

Paragraph No. 6 states that the sum insured is determined by agreement between the company and the client.

Voluntary insurance of the driver and passengers

On a voluntary basis, insurance of the driver and passengers is allowed. In this case, it is customary to consider accidents that have led to serious damage to vehicles.

Driver and passenger insurance can only be an addition to the main contract where the vehicle appears.

Regardless of the chosen program, an insurance policy for 6-12 months is mandatory. An exception may be insurance for a car that was bought on credit, since in this case the document must be valid for the entire loan period, taking into account an additional month.

It is important to note the possibility of a partial contribution to the amount of insurance, but this option involves an increase in tariffs by 5-10 percent. If the insurance policy is issued for a period of less than one year, you need to pay the full amount immediately.

The insurance of the driver and passengers is carried out only if the vehicle is insured.

Compensation is not paid in the following cases:

if claims are made by a person who is not an insured, beneficiary or representative of the listed persons;
if the agreement is declared invalid;
if the damage was not actually caused or if it is not documented;
if the incident does not meet the criteria of an insured event;
upon payment of compensation by third parties;
if the company has legal grounds exempting from payment of compensation.

Attachment No. 3 is dedicated to driver and passenger insurance. In accordance with the Rules, the insured risk is understood as an accident, as a result of which damage was caused to passengers and the driver. The insurance of the driver and passengers is carried out only if the vehicle is insured.

Features of voluntary insurance

Despite the classic standards of voluntary insurance, the offer offers important differences from other options. It is often assumed that the following features of insurance are taken into account:

compensation for damage without taking into account the depreciation of the vehicle;
constructive loss - from 65% of the price of the car;
mandatory consideration of depreciation rates when calculating the amount of insurance payment;
an official notification of damage must be received within 1 to 5 business days, for theft - up to 3 business days;
payments are made up to 25 business days for damage, up to 80 for theft.

Rogosstrakh is a large insurance company in Russia, which has managed to gain an ideal reputation and guarantees honest cooperation with every motorist. Each client has the right to use the services of voluntary insurance, guaranteeing increased safety when traveling by car.

Each insurance company has its own rules regarding the conclusion of CASCO contracts. Before choosing a particular product, you should carefully study the terms of the agreement. The main document regulating vehicle insurance is the “Rules for voluntary insurance of vehicles Rosgosstrakh” No. 171 of 2009.

Voluntary insurance of vehicles and special equipment in Rosgosstrakh

The conditions of CASCO insurance against are regulated by the "Rules of voluntary insurance of vehicles and special equipment" No. 171. The document consists of 9 paragraphs and 5 annexes.

The paragraphs cover the following issues:

main provisions;
terminology used in the document;
order;
insurance contract;
insurance transfers, the degree of responsibility of the organization;
insurance payments;
termination of the agreement, reimbursement of the insurance premium;
rights and obligations of the parties;
transfer of the right to claim;
consideration of disputes.

foreign cars under the age of five years are insured, domestic cars under three years old. The contract can only be concluded for the full value of the vehicle. The cost of spare parts is offset without depreciation. Expenses for the evacuation of the car from the scene of the incident are reimbursed in the amount of up to three thousand rubles;
cars aged from three to seven years are insured. The tariff allows full or partial insurance. Compensation for parts is paid including depreciation. Evacuation expenses do not exceed three thousand rubles;
cars aged 3 to 12 years are insured. The sum insured may be full or partial. Parts are compensated for depreciation. Consumables, evacuation and repair costs are not compensated.

The program from Rosgosstrakh is “Elementary CASCO”.

The product is aimed at experienced car enthusiasts who own used cars (from 3 to 12 years old). The rates for this offer are much lower, but only the risk of damage is covered. No more than two insured events are compensated per year. Payment is provided for damage caused by natural disasters and road accidents. The condition for joining the program is a driving experience of at least three years, the age of the driver is over 22 years old.

Product - "Economy"

The program is that the client pays only half of the annual cost. If for the whole year not a single incident happened, the car owner saves the second half of the insurance payment. In the event of an insured event, the company pays the compensation in full, subject to the payment of the remaining 50%.

Voluntary vehicle insurance policy

Voluntary insurance contract from Rosgosstrakh - video

Rosgosstrakh is one of the largest insurance companies in the Russian Federation. This explains the high popularity among car owners. The organization offers customers several insurance products to choose from, from which you can always choose the option that suits the cost and terms of payment. In our other articles, you can read and.