Unfortunately, the Russian automotive insurance market is currently experiencing far from the best times. Car owners are becoming increasingly harder to choose an insurance company. But, not because there are few of them (officially in Russia has been registered more than one and a half such agencies), and due to the fact that their level of service, most often, is simply terrible. Nowadays, without the insurance policy, it is impossible to even move, not to mention solving problems during accidents. In terms of road traffic, it is an item requiring insurance for each vehicle. What is the difference between CASCO from OSAGO? What is necessary to pay attention to CASCO? When can the insurance company refuse to pay insurance? You will find answers to these and other questions later in the article.

Casco Insurance and OSAA Insurance, what is the difference

Osago. The main thing that should be aware of this insurance is that it is mandatory for any car owner. Since 2003, riding a car without a valid policy, which confirms the acquisition of OSAGO, is an administrative violation, the preventive measure of which is a cash fine, which is superimposed by the traffic police officer. Fortunately by car owners, the cost of the policy, which is issued on this program, is quite small, which makes it possible to buy it without damage for the family budget.

At the same time, the OSAGO is not at all equivalent to CASCO in its parameters - because this insurance is intended for the car owner, and not for transport. According to the existing rules, the owner of the car is compensated for the amount of damage caused by the accident to the owner of another car. At the same time, the amount of payments on OSAGO is limited in the amount of 120 thousand rubles when damaged to material property and 160 thousand rubles - the health of other participants in the accident. The specific amount of compensation is determined by the experts of the insurance company on the basis of the average estimated value of the work, as well as the replacement of parts, given the degree of their wear.

Remember, when applying to its insurer, the CTP, you will receive the amount of money that will allow you to compensate for the responsibility to another participant of the incident, but not the damage obtained by your vehicle.

Casco. It will not be possible to buy this policy separately - the car owner is proposed to issue a hull and the CCAMA at the same time, since the above-mentioned type of insurance is obligatory for any person who has a vehicle owned. The use of CASCO, at the same time, is extremely voluntary - only a bank is capable of paying this financial service, which issued a consumer to the purchase of a car. In this case, the costs of acquiring the policy can be quite large - the present cost of insurance often exceeds 10 percent of the actual cost of the vehicle at the time of the transaction.

Instea, the owner of the car receives compensation of the entire damage within the cost of the car. The refusal to make a payment may occur only if the car owner became the culprit of a major accident with a large number of participants, and the amount of damage received by all machines exceeds the value established in the Agreement. Also, the owner of the car may claim to compensate for CASCO during theft, fire, or causing other damage to its property, if such a paragraph enters the agreement signed by it.

The only minus that has in comparison with the OSAGO typical CASCO policy is a gradual decrease in the residual compensation size with a partial refund of damage produced earlier. For example, if the motorist turned twice into a small accident and demanded compensation from the insurance agency, then the amount of payments data will be deducted from the total amount of payments from the total amount of payments, but in the CTP policy, the number of insured cases and their total size is not limited.

Casco Insurance, Insurance Rules, which articles need to pay attention to the conclusion of the Casco Polis

The signing of the CASCO Agreement is a fairly important point, from which it will further depend on how financially safe and comfortable you will feel when the insured event comes. To date, the automotive insurance market has a mass of insurance agencies offering a variety of programs that at first glance may seem quite understandable, but not rarely in the CASCO Agreement there are also additional conditions that are able to have a significant impact on the form and the principled possibility of insurance payments. Therefore, when choosing a CASCO insurer, the following points should be taken into account in advance:

1. In the insurance agreement, there must be a special point on how insurance compensation occurs. There may be two options here - repairs at the service station (the company itself restores your car, which was damaged when the insured event occurs) or payments for CASCO (you get compensation from the company, after which you yourself choose a hundred and repair your car).
2. The contract must be indicated by the type of insurance size, which is insured by the vehicle. The size can be an aggregate or non-aggregate. If the insurance size is aggregate, then with each payment, the overall insurance amount will decrease. In the case of a non-aggregate sum insured, the insurance size is not reduced, regardless of the number of insured events.
   
3. Sometimes in the contract it may be noted that insurance compensation for CASCO as a result of the car's hijacking is carried out only when the car owner complies with certain conditions for the storage of the vehicle.
4. In addition, if the owner left the documents from him or the ignition keys in the car, when the car hijacked, certain difficulties may arise with the payment of insurance.
5. As a rule, the CASCO Agreement comes into force from the moment of its signing, so if the insured event occurred on the day of signing the agreement, the client will not be able to receive compensation from the insurance company.

Casco, what types of transport you can insure

You can insure any types of transport, in particular cars of various brands and dimensions, motorcycles, mopeds, trailers, etc.

Casco Insurance, in what cases insurance firm will refuse to pay insurance

The insurance company may refuse to the client in paying insurance in the following cases:

1. With a very serious violation of traffic rules (speeding, driving in a state of narcotic or alcoholic intoxication, travel to red light and so on).
2. Lack of claims (if the insured person refuses complaints about the accident perpetrator).
3. The traffic police group is not immediately caused.
4. A partial or complete repair was carried out (when the expert comes to you to inspect the car after the accident, it will indicate in the conclusion that it is impossible to determine definition damage).
5. The presence in the contract of controversial interpretations.

Casco Insurance Cases

Complete vehicle insurance protects from:

1. Hijacking the car or theft of its parts.
2. Different damage as a result of an accident or hooligan attacks.
3. Any damage as a result of an accident.
4. Dried underground, ice or water.
5. Falling wood (icicles, hail and other items), shock lightning, hurricane, explosion or fire.

Casco Insurance, waiting time payout

According to statistics, well-known insurance companies that have millions of customers, pay payments within 14 days. The company of the middle link is usually paid for a month and quite often delay deadlines. Cases with the repair of the car are solved much faster than with payment of compensation. As for small companies, the issue of payments is rather controversial. Some are paid throughout the week, and some are pulling until the consumer starts demanding reimbursement in legal form. In addition, it is worth noting unknown organizations, to contact which is categorically not recommended. Do not trust such insurers as they rarely produce payments, and receiving sufficient amount from contracts, and can be closed at all.

Top 10 Best Insurance Companies

1. Ingosstrakh works on the market for more than 60 years. This enterprise is assigned the highest degree of reliability. Among his customers are banks, transport enterprises, large industrial companies.
2. "Reso-Guarantee" - this insurance organization is based on more than 13 years ago and is part of the World Group of Companies. It is worth noting that car insurance is just one of the directions in which it works.
   
3. The Sogaz Group is a universal insurer who provides a full range of services to legal entities and individuals. The preferential directions of his work are personal insurance and property insurance.
4. "VSK" is a federal scale insurer, exists in the insurance market for more than 12 years. Provides services to organizations and individuals. The main activities are personal and property insurance, OSAGO, CASCO.
5. "AlfaStrakhovanie" belongs to the AlfaStrakhovanie Union. It takes the seventh place in the list of the largest insurance enterprises. The level of reliability is confirmed for many years.
   
6. "Energy Manage" - a joint-stock company began its work in 1992. In Russian territory there are about 46 branches and more than 80 representative offices of Energogararants. The company invites legal entities and individuals of 59 types of insurance. The main direction is auto insurance. Also "Energogrand" actively works in the reinsurance. The authorized capital is about 700 million rubles.
7. "Uralsib" - the group was founded in 1993. During his work, he won the reputation of a highly reliable insurer and provides 22 types of insurance. She did not break their obligations yet. The regional network includes more than 400 branches in 150 cities of Russia. The authorized capital is more than two billion rubles, insurance reserves are more than 6.5 billion.
   
8. Rosgosstrakh is a major holding, which includes seven interregional companies, three regional and joint-stock community "Rosgosstrakh". Works on the market since 1992. Specializes in the insurance of property, responsibility, life, as well as at the OSAGO and CASCO.
9. Max is a universal federal insurer, works with organizations and individuals. Key areas of activity - Property and road insurance, Insurance of the risks of industry and life.
10. "Alliance" - enters the group "Rosno". Specializes in auto insurance, health insurance and life insurance. The list of the largest firms takes the sixth place.

Casco Calculator, how to make a calculation

1. Fill in detail all the required fields of the online calculator (this service is provided in virtually all sites of insurance companies), in particular, we specify - the city and region, the power of the motor, is whether the car is a lending, the side of the steering wheel (left-sided or right-hand), whether there were insurance Cases, the presence of an anti-theft device, the number of drivers who exploit the vehicle, the car brand, year of release. For new cars with big litters have to pay more expensive.
   
2. Think about possible risks. Riding in metropolis and major cities is significantly different from rural areas and small cities. Therefore, the risks of the hijacking, the emergence of an accident and other damage may be different. You can choose partial or full insurance. In the first case, it will cost cheaper, but also includes compensation for damage. As for the full complex, it reimburses full amounts with a serious accident, hijacking, natural disasters and other unforeseen cases. What will be the extensive list, the higher the price.
   
3. Car parking lot - underground parking, garage cooperative, just in the courtyard, paid parking. The better the conditions for security and parking, the lower the cost of the policy.
4. Driver experience and driver's age. As a rule, a small driver's experience can increase the cost of the policy.
5. The amount and the presence of the franchise is also taken into account.
6. Positively affects the cost of the policy of trouble-free ride in the same time.
7. Now you can calculate the cost of CASCO using the calculator.