Casco calculator. Types of comprehensive insurance Full comprehensive insurance
In modern Russia, the surge in popularity of CASCO insurance began about 10-15 years ago, when the economic situation in the country gained stability, and banks began issuing loans en masse for the purchase of a car, obliging borrowers to take out CASCO insurance.
Some people mistakenly believe that the term CASCO is an abbreviation and stands for “Comprehensive Auto Insurance Except Liability.” In fact, the concept of CASCO came to Russia from Europe and is an international legal term that means insurance of any land, water or air vehicles.
CASCO means insurance only of the vehicle itself against theft and damage, but the rules of most companies offer, within the framework of this product, additional equipment, health and life of the driver and passengers. Insurance companies often enter profitable options for issuing a DoSAGO (Voluntary Automobile Liability Insurance) policy into their AUTOCASCO calculator.
Voluntary motor insurance services are offered by dozens of insurance companies, each of which has its own tariffs, conditions and programs. The easiest way to find out the approximate cost of a CASCO contract is through an online calculator. But in order to delve into all the intricacies of insurance and minimize the cost of the policy without losing quality, you will have to understand AUTOCASCO in more detail.
What factors influence the cost of CASCO insurance? How to get the best price?
The most crucial moment when applying for a policy is choosing the optimal insurance program. The online CASCO calculator can clearly demonstrate the influence of the main factors on the amount of the contribution. Conventionally, the information for calculation in the calculator is divided into 2 parts:
- Vehicle data (make, model, year of manufacture and other information).
- Options offered to choose from that have a direct impact on the amount of the insurance premium for CASCO CASCO.
Options that affect the cost of CASCO:
- Insurance option“Partial CASCO” (insurance against damage only) or “Full CASCO” (insurance against damage and theft). Insurance only against damage will cost less on average by 20-40%, depending on the pricing policy of each company.
- Availability and size of franchise. The higher the deductible, the lower the cost of the policy.
- Sum insured“aggregate” (reducible) or “non-aggregate” (irreducible). The choice of an aggregate insured amount leads to the fact that with each subsequent payment the insured amount (as a percentage of which compensation is paid) decreases. Aggregate CASCO insurance will cost less than non-aggregate insurance.
- Method of compensation either “STO of the insurer”, or “STO at the choice of the policyholder”, or a cash payment. Choosing a “service station of the insurer” is the most inexpensive option to apply for CASCO insurance. If you choose the other two options, the policyholder will have to pay more for insurance.
- Payments will be made without taking into account wear or taking into account wear. For payments on the “new for old” principle, it is better to draw up a contract on the condition “without taking into account wear and tear”, but this will increase the cost of insurance by an average of 15-20%.
- Age and experience of drivers. The less experience and age of drivers, the more expensive the insurance. Sometimes it makes sense to calculate CASCO “multidrive” (without limiting the drivers allowed to drive). The cost of such a policy may be less than the price of a policy with a young driver.
Also important parameters when drawing up a CASCO agreement are:
- Insurance period. If the policy is valid for less than a year, each month will cost more than if you take out annual insurance.
- Installment payment. A very popular service. Especially if the insurance company provides it for free. But often cheaper CASCO is a policy with a one-time payment of the insurance premium.
- Insurance history. Insurance companies take into account the break-even history of insurance under CASCO and OSAGO.
- Availability/type of anti-theft systems. The better the anti-theft, the cheaper the policy.
How to insure a car only against damage or only against theft?
An important point when insuring CASCO is the choice of damage compensation option. Calculation of CASCO using an online calculator, as when contacting the office directly, is carried out according to two main options: full CASCO (insurance against damage and theft) or partial CASCO (insurance only against damage). Obviously, the problem of possible theft is not relevant for every vehicle. Some cars can sit in the yard for years without any attacks from thieves. But no one has any guarantees against vandals, bad weather and road accidents. And if the car does not belong to the category of stolen, and the place where it is stored is not risky, then it is logical to save money and insure yourself under CASCO only against damage. Insurance against both risks is designed for those who need to protect their property for all life events. Only a few companies offer to buy insurance against theft.
What is a franchise? Who is eligible for insurance with a deductible?
Any reputable company offers clients to use a deductible for CASCO car insurance. The deductible is the unpaid part of the insurance compensation. It can be conditional or unconditional, and can be expressed as a percentage of the sum insured or in a specific amount.
A conditional deductible assumes that if the amount of damage is less than the deductible, then the policyholder receives nothing. But in cases where the damage exceeds the amount of the deductible fixed in the contract, the policyholder receives compensation under CASCO in full.
An unconditional deductible applies regardless of the amount of damage, that is, any payment is reduced by the amount of the deductible.
The type and size of the deductible directly affect the cost of the policy and subsequent payments under AUTOCASCO, so you should approach its use seriously. The franchise will allow a careful and experienced driver to save a lot of money. If the client is not confident in himself, the registered drivers, and would like to receive full compensation for any, even the most minor damage, it is better to buy a policy without a deductible. In any case, it is wiser to use a calculator to calculate the price of a policy without a deductible and with a deductible.
What are special offers for CASCO and how do they work?
In addition to basic CASCO options, each insurance company has a number of special offers. These offers are designed for certain categories of clients; insurance for them is cheaper. Often special offers relate to:
- Certain brands and models of vehicles.
- New cars.
- Young or experienced drivers.
- Owners of expensive or used vehicles.
- Credit, leased or pledged cars from the bank.
- Cars with certain anti-theft systems.
Therefore, you should definitely ask what special programs, offers or promotions the company currently has.
CASCO in popular companies
Ratings of insurance companies for 2018 (official and popular) identified the most popular insurers, whose proposals deserve attention in the first place. Let's briefly look at CASCO insurance from several of these companies.
Calculation on the Ingosstrakh CASCO calculator will pleasantly surprise you with the fact that the cost of insurance will cost less if the policyholder is married and has children. In addition, the CASCO rules of Ingosstrakh provide for 3 options for establishing the maximum amount of payment: “For each insured event”, “For the first insured event”, “According to the contract”. The policy price, size and number of payments depend on this option.
Rosgosstrakh's CASCO online calculator allows you to calculate the cost of car insurance, taking into account the individual characteristics of the client. Beginners will be interested in the “Nothing Extra” program (with maximum insurance coverage) and “Anti-crisis CASCO” (payments for cases not included in compulsory motor liability insurance). For experienced motorists, the company has developed the “Accident Protection” (in case of an accident due to the fault of another driver) and “Economy (50/50)” programs. In the latter case, the policyholder pays only 50 percent of the cost of the policy, and pays the remaining half only when applying for payment.
RESO makes it possible to insure a car only against theft, and cars up to 12 years old are accepted for insurance. Therefore, when calculating online using the RESO calculator, three amounts are obtained at once: premiums for full CASCO insurance, for insurance only against damage and for a policy only against theft. Unlike some companies, failure to pay the next installment payment does not entail immediate termination of the contract; the RESO client has 15 grace days, during which the insurance company is liable for CASCO in full.
The VSK online calculator allows you to calculate the cost of classic CASCO insurance. Along with the classics, the company offers various specialized products: “Autometrics” helps you save 25% when using a mobile application, according to the “Compact” program, payment is due only for theft or an accident due to someone else’s fault (saving 75%), the expanded version “Compact +” adds list of risks: total loss of the car (70% savings). Experienced drivers are entitled to a 30% discount on a CASCO policy at VSK when using the “Confident” program (full protection, but only for the first insured event).
CASCO insurance rules: what to pay attention to?
The cost of the policy calculated on the calculator should not be the decisive factor when choosing a company. Cheap CASCO insurance can turn out to be a trap for an inexperienced driver and lead him to problems in the future when settling losses. In addition to the factors affecting the cost of insurance stated above, there are several more points in the CASCO rules that should be given special attention:
- Requirements for storing a vehicle at night. Most companies do not have such requirements. And if they are nevertheless spelled out in the rules, you should understand that not all parking lots have protected status and can issue documents confirming this.
- The insurance rules must have clear definitions of the terms “damage”, “theft”, “theft” and “total loss of the car”. It happens that a company does not fully disclose the meaning of these concepts, which allows it to refuse compensation for damage in controversial situations.
- Sections of the rules with exclusions from insurance coverage (which cases are not covered by insurance) are very important, as they explain in detail in what situations the car owner will be left without payment.
- The section “Obligations of the Parties” regulates the relationship between the company and the client when an insured event occurs (in what time frame and in what way the policyholder must notify the company about an event that has signs of an insured event). Failure to comply with the company's requirements will result in denial of insurance compensation.
- Each company has its own depreciation standards. The amount of payment for the risks of “theft” and “total constructive loss” depends on them.
- When insuring under full CASCO, the rules of most companies provide for refusal of compensation for theft of a vehicle if the client does not provide the insurer with documents for the car, all sets of ignition keys and security alarm key fobs.
- Company rules regulate the purchase of CASCO insurance for a new car in different ways. For most insurers, the risk of theft or theft begins only from the moment the vehicle is registered with the traffic police.
CASCO for popular car models
Russian car owners give preference to certain vehicle models. These are the cars that are most often insured under CASCO. At the same time, the insurance features of different car models differ. For example, some cars are popular with car thieves, while others are more likely to get into accidents. These factors directly influence the formation of the insurance rate, so the question is which insurance companies offer the most favorable prices for certain models. How can you save on insurance? Summary data on the most popular cars in Russia are presented in tables.
Table 2. Car brands and models (Latin alphabet D–H).
the table will scroll to the right| № | Vehicle model | № | Vehicle model |
|---|---|---|---|
| 65 | Daewoo Gentra (Daewoo Gentra) | 101 | Haval H2 (Haweil N2) |
| 66 | Daewoo Matiz (Daewoo Matiz) | 102 | Haval H6 (Haweil N6) |
| 67 | Daewoo Nexia (Daewoo Nexia) | 103 | Haval H9 (Haweil N9) |
| 68 | Datsun mi-DO (Datsun mi-DO) | 104 | Hawtai Boliger (NTM Boliger) |
| 69 | Datsun on-DO (Datsun on-DO) | 105 | Hawtai Laville (NTM Laville) |
| 70 | Dodge Caravan (Dodge Caravan) | 106 | Honda Accord (Honda Accord) |
| 71 | Dongfeng AX7 (Dongfeng AH7) | 107 | Honda Civic (Honda Civic) |
| 72 | Fiat Doblo (Fiat Doblo) | 108 | Honda CR-V (Honda SRV) |
| 73 | Fiat Ducato (Fiat Ducato) | 109 | Honda Crosstour (Honda Crosstour) |
| 74 | Ford C-Max (Ford S-Max) | 110 | Honda Fit (Jazz) (Honda Fit (Jazz) |
| 75 | Ford EcoSport (Ford EcoSport) | 111 | Honda Legend (Honda Legend) |
| 76 | Ford Explorer (Ford Explorer) | 112 | Honda Pilot (Honda Pilot) |
| 77 | Ford F-150 (Ford F-150) | 113 | Hyundai Accent (Hyundai Accent) |
| 78 | Ford Fiesta (Ford Fiesta) | 114 | Hyundai Elantra (Hyundai Elantra) |
| 79 | Ford Focus (Ford Focus) | 115 | Hyundai Equus (Hyundai Ecus) |
| 80 | Ford Fusion (Ford Fusion) | 116 | Hyundai Genesis (Hyundai Genesis) |
| 81 | Ford Galaxy (Ford Galaxy) | 117 | Hyundai Getz (Hyundai Gets) |
| 82 | Ford Kuga (Ford Kuga) | 118 | Hyundai Grand Santa Fe (Hyundai Grand Santa Fe) |
| 83 | Ford Mondeo (Ford Mondeo) | 119 | Hyundai HD-Series (Hyundai HD) |
| 84 | Ford Mustang (Ford Mustang) | 120 | Hyundai i30 (Hyundai i30) |
| 85 | Ford Ranger (Ford Ranger) | 121 | Hyundai i40 (Hyundai i40) |
| 86 | Ford S-Max (Ford S-Max) | 122 | Hyundai ix35 (Hyundai ix35) |
| 87 | Ford Tourneo Connect (Ford Tourneo Connect) | 123 | Hyundai ix55 (Hyundai ix55) |
| 88 | Ford Transit (Ford Transit) | 124 | Hyundai Matrix (Hyundai Matrix) |
| 89 | Foton Auman (Photon Auman) | 125 | Hyundai Porter (Hyundai Porter) |
| 90 | Foton Aumark (Photon Aumark) | 126 | Hyundai Santa Fe (Hyundai Santa Fe) |
| 91 | Foton Sauvana (Photon Savannah) | 127 | Hyundai Solaris (Hyundai Solaris) |
| 92 | Foton Tunland (Photon Tunland) | 128 | Hyundai Sonata (Hyundai Sonata) |
| 93 | Geely Atlas (Gili Atlas) | 129 | Hyundai Starex (H-1) (Hyundai Starex N-1) |
| 94 | Geely Emgrand (Gili Emgrand) | 130 | Hyundai Tucson (Hyundai Tucson) |
| 95 | Geely MK (Gili MK) | 131 | Hyundai Veloster (Hyundai Veloster) |
| 96 | Geely MK Cross (Gili MK Cross) | 132 | Hyundai Creta (Hyundai Creta) |
| 97 | Genesis G70 (Genesis J70) |
||
| 98 | Genesis G80 (Genesis J80) |
||
| 99 | Great Wall Hover H3 (Great Wall Hover N3) |
||
| 100 | Great Wall Hover H5 (Great Wall Hover N5) |
Table 3. Car brands and models (Latin alphabet I–L).
the table will scroll to the right| № | Vehicle model | № | Vehicle model |
|---|---|---|---|
| 133 | Infiniti EX (Infinity EX) | 169 | Lada 2114 (Lada 2114) |
| 134 | Infiniti FX (Infinity FX) | 170 | Lada 2115 (Lada 2115) |
| 135 | Infiniti G (Infinity G) | 171 | Lada Granta (Lada Granta) |
| 136 | Infiniti M (Infinity M) | 172 | Lada Granta Liftback (Lada Granta Liftback) |
| 137 | Infiniti Q50 (Infiniti Q50) | 173 | Lada Kalina (Lada Kalina) |
| 138 | Infiniti Q70 (Infiniti Q70) | 174 | Lada Kalina Cross (Lada Kalina Cross) |
| 139 | Infiniti QX50 (Infiniti QX50) | 175 | Lada Largus (Lada Largus) |
| 140 | Infiniti QX60 (Infiniti QX60) | 176 | Lada Largus Cross (Lada Largus Cross) |
| 141 | Infiniti QX70 (Infiniti QX70) | 177 | Lada Niva 4x4 (Lada Niva 4x4) |
| 142 | Infiniti QX80 (Infiniti QX80) | 178 | Lada Priora (Lada Priora) |
| 143 | Iveco Daily (Iveko Daily) | 179 | Lada Vesta (Lada Vesta) |
| 144 | Jaguar E-Pace (Jaguar E-Pace) | 180 | Lada Vesta Cross (Lada Vesta Cross) |
| 145 | Jaguar I-Pace (Jaguar I-Pace) | 181 | Lada Vesta Sport (Lada Vesta Sport) |
| 146 | Jaguar XF (Jaguar XF) | 182 | Lada Xray (Lada X-Ray) |
| 147 | Jaguar XJ (Jaguar XJ) | 183 | Land Rover Discovery (Land Rover Discovery) |
| 148 | Jeep Cherokee (Jeep Cherokee) | 184 | Land Rover Discovery Sport (Land Rover Discovery Sport) |
| 149 | Jeep Compass (Jeep Compass) | 185 | Land Rover Freelander (Land Rover Freelander) |
| 150 | Jeep Grand Cherokee (Jeep Grand Cherokee) | 186 | Land Rover Range Rover (Land Rover Range Rover) |
| 151 | Jeep Renegade (Jeep Renegade) | 187 | Land Rover Range Rover Evoque (Land Rover Range Rover Evoque) |
| 152 | Jeep Wrangler (Jeep Wrangler) | 188 | Land Rover Range Rover Sport (Land Rover Range Rover Sport) |
| 153 | KAMAZ 5490 (KAMAZ 5490) | 189 | Land Rover Range Rover Velar (Land Rover Range Rover Velar) |
| 154 | KIA Bongo (Kia Bongo) | 190 | Lamborghini Urus (Lamborghini Urus) |
| 155 | Kia Carnival (Kia Carnival) | 191 | Lexus ES (Lexus ES) |
| 156 | KIA Cee"d (Kia Sid) | 192 | Lexus GS (Lexus GS) |
| 157 | KIA Cerato (Kia Cerato) | 193 | Lexus GX (Lexus GX) |
| 158 | Kia Mohave (Kia Mojave) | 194 | Lexus IS (Lexus IS) |
| 159 | KIA Optima (Kia Optima) | 195 | Lexus LS (Lexus LS) |
| 160 | KIA Picanto (Kia Picanto) | 196 | Lexus LX (Lexus LX) |
| 161 | Kia Quoris (Kia Quoris) | 197 | Lexus NX (Lexus NX) |
| 162 | KIA Rio (Kia Rio) | 198 | Lexus RC (Lexus RC) |
| 163 | KIA Sorento (Kia Sorento) | 199 | Lexus RX (Lexus RX) |
| 164 | KIA Sorento Prime (Kia Sorento Prime) | 200 | Lexus UX (Lexus UX) |
| 165 | KIA Soul (Kia Soul) | 201 | Lifan Solano (Lifan Solano) |
| 166 | KIA Sportage (Kia Sportage) | 202 | Lifan X50 (Lifan X50) |
| 167 | KIA Stinger (Kia Stinger) | 203 | Lifan X60 (Lifan X60) |
| 168 | Kia Venga (Kia Venga) | 204 | Lincoln Navigator (Lincoln Navigator) |
Table 4. Car brands and models (Latin alphabet M–N).
the table will scroll to the rightTable 5. Car brands and models (Latin alphabet O–R).
the table will scroll to the rightTable 6. Car brands and models (Latin alphabet S–Z, Cyrillic alphabet A–Z).
the table will scroll to the right| № | Vehicle model | № | Vehicle model |
|---|---|---|---|
| 306 | SEAT Leon (Seat Leon) | 340 | Toyota Tundra (Toyota Tundra) |
| 307 | Skoda Fabia (Skoda Fabia) | 341 | Toyota Venza (Toyota Venza) |
| 308 | Skoda Octavia (Skoda Octavia) | 342 | UAZ Hunter (UAZ Hunter) |
| 309 | Skoda Rapid (Skoda Rapid) | 343 | UAZ Patriot (UAZ Patriot) |
| 310 | Skoda Roomster (Skoda Roomster) | 344 | UAZ Pickup (UAZ Pickup) |
| 311 | Skoda Kodiaq (Skoda Kodiak) | 345 |
Full CASCO is 100% protection against all costs of repairing the car. This CASCO guarantees compensation for money spent on car repairs in all stipulated accidents, accidents, thefts, etc.
Full insurance covers:
Theft and theft: different concepts
Important! Do not confuse car theft with theft. These are different things.
For many car owners, when encountering these two concepts for the first time, the problem arises of not understanding their true meaning. They are often mistaken for synonyms or identical concepts.
The Russian Criminal Code states:
- Article 166: Theft- this is the unlawful taking of a vehicle without the intention of stealing it, that is, the desire of a third party to use your car for a specific purpose (on which the price of CASCO insurance against theft depends, read).
- Article 158: Theft- this is the intentional and irrevocable appropriation of your car by a third party, that is, the action of the offender to appropriate the car for his own benefit, causing inconvenience to the owner of the car.
Cost calculation
The calculator will help you understand the approximate cost of your insurance. You can also contact a representative of the insurance company directly and consult on all questions. If you chose a calculator, enter the required data in the appropriate fields.
The system may ask you to enter:
- What type of transport is it (car, truck, bus, ).
- How many years has it been in use?
- and its percentage.
- Driving experience.
- Location, accommodation.
- Conditions for insurance compensation (including or without car wear and tear).
- Types of payment (one-time, monthly, semi-annually, quarterly).
- Vehicle cost.
- Desired tariff.
Conclusion
When purchasing a policy for any type of CASCO, pay attention to the differences between companies and the insurance options they offer. Carefully choose which policy, full or partial, will be beneficial for you. This way you can choose a CASCO policy that suits your requirements and suits your financial capabilities.
Today, the market offers a huge number of CASCO programs, which include various options and take into account the various needs of car owners. An insured who is faced with the need to issue a policy once a year often finds it difficult to understand the nuances of certain programs, as a result of which the car owner often purchases a policy “just to have it”, overpaying significant amounts for it.
In this article we will look at: what is the difference between full CASCO and partial; what is the difference between aggregate and non-aggregate policies; What are the features of a car insurance program with a franchise? We will also look at practical situations and find out which program is more profitable in which situations.
Types of CASCO by volume of coverage
Based on the volume of insurance coverage, there are 2 types of CASCO - full and partial. Let's look at how both types of programs differ...
Full CASCO
According to its name, this program is designed to provide complete financial protection of the client’s vehicle from all kinds of risks. When choosing such a CASCO insurance, you should be careful and familiarize yourself in detail with the full list of cases that are recognized as insurance in a particular company. Such cases may be:
- cases of theft;
- damage to a car;
- acts of vandalism;
- theft.
When applying for a full CASCO insurance, attention should be paid to the difference between the concepts of theft and theft. From a layman's point of view, the result of these actions is the same - the car is no more. However, according to the Criminal Code, the concepts are completely different:
- Theft is the unlawful taking of a vehicle without the intent of theft.
- Car theft is the unlawful taking of someone else's vehicle for the purpose of benefiting the guilty party. Cases of theft include theft, robbery, robbery.
As a result, having insured the car against theft, if it is stolen, the policyholder will not receive monetary compensation. The same thing applies in the opposite direction. To ensure that such misunderstandings do not arise subsequently when an insured event occurs, special attention should be paid to these points when signing a CASCO agreement.
As bonuses, insurance companies offer additional services to full CASCO:
- calling a tow truck to the scene of an accident;
- help from a psychologist;
- legal consultation;
- provision of another vehicle for temporary use while the client’s car is being repaired.
Thus, although full CASCO is expensive, in return this program provides maximum protection to the car owner.
Partial CASCO
This version of the insurance product allows the car owner to independently determine the degree of insurance coverage, significantly reducing their costs when purchasing CASCO. The most common partial CASCO programs include insurance programs against damage, excluding theft or theft.
When insuring against damage under the partial CASCO program, the policyholder will be able to count on receiving compensation if the car receives any damage, even damage that cannot be restored. The main types of damage for which payments are made under damage insurance include:
- Damage to a car due to a fall, collision, fire in an accident, or damage by water elements.
- Damage from stones and other objects falling into the vehicle from under the wheels of someone else’s car.
- Exposure to fire, lightning, explosions.
- Natural disasters.
- Damage to car parts from falling objects and aggressive actions of animals.
When applying for partial CASCO, special attention is paid to the list of causes of damage.
Types of CASCO by type of payment
In terms of payments, there are three types of CASCO - aggregate, non-aggregate and with a deductible. Let's look at them in more detail.
Aggregate payment
A CASCO policy with aggregate payment guarantees the receipt of compensation for insured events within limits totaling the amount of total insurance compensation under the contract. The aggregate option is the most profitable when insuring a car against damage.
For example, at the time of concluding the CASCO agreement, the amount of insurance coverage was 500 thousand rubles. The first damage sustained by the vehicle after an accident was compensated in the amount of 50 thousand rubles. Since the policyholder has taken out aggregate CASCO insurance, the subsequent indemnity will not exceed the amount of the initial insurance coverage minus the payment of the first indemnity, i.e. 450 thousand rubles (in the situation of car destruction).
Non-aggregate payment
CASCO programs with non-aggregate payments involve receiving compensation in full, regardless of the number of insured events during the contract period. This type of payment provides a greater degree of financial protection to the car owner, but is also more expensive.
Compared to non-aggregate CASCO, aggregate CASCO is preferable for drivers who have sufficient experience in driving a vehicle.
CASCO with franchise
Taking out a policy with a deductible requires the insured to independently pay part of the damage within the range of 5-10 thousand rubles. When taking out a policy with a deductible, the car owner in the event of an accident will have to add the missing amount necessary for repairs after the insured event. Having a franchise significantly reduces the cost of the policy and is especially beneficial for drivers with extensive experience of careful driving. In some situations, a deductible program begins after the second or third claim during the insurance period.
In CASCO insurance, there are 2 types of deductibles: conditional and unconditional.
- With a conditional deductible, the policyholder can count on full compensation for damage if the amount of damage exceeds the amount under the deductible. If the amount of damage incurred is less, the client will have to compensate for the damage received on his own.
- In the case of an unconditional franchise, the vehicle owner will have to pay the entire amount of damage himself, regardless of the amount of damage.
Insurance with a deductible significantly eases the financial burden of the car owner. When agreeing on a deductible, you should choose a size that will reduce the cost of insurance and help you easily restore the car after receiving damage.
Comparison of CASCO types
The table below shows the main characteristics of the insurance programs described above:
| CASCO type |
Advantages |
Flaws |
|---|---|---|
| Complete |
Provides protection against all risks. |
High price. |
| Partial |
Saving on the cost of the policy. |
Does not provide complete protection due to the limited choice of insurance cases. Not provided by all insurers. |
| Aggregate |
Reduces the cost of the policy (up to 10% compared to non-aggregate). It is possible to restore the full sum insured. |
Suitable only for experienced drivers with a minimum number of insurance claims and a careful driving style. |
| Non-aggregate |
Fixed amount of compensation and cost of the car. |
Higher cost compared to aggregate. |
Finally
The CASCO insurance program allows you to reliably protect the car and its owner in case of damage or complete loss of the vehicle. The programs of various companies offered on the car insurance market will allow you to choose the optimal CASCO policy, which will allow you to obtain maximum financial guarantees for the subsequent operation of the car at the lowest cost. However, before signing the contract, you should pay attention to those clauses of the agreement that stipulate insured events and the procedure for calculating payments in various situations.
PJSC IC "Rosgosstrakh" offers flexible and understandable CASCO insurance programs/products for your car. Select an insurance program and calculate the cost of your contract:
| Accident protection | Anti-crisis CASCO offer |
Nothing extra | ROSGOSSTRAKH AUTO "PROTECTION" | Economy (50/50) |
|
|---|---|---|---|---|---|
| from 2,000 rubles | profitable option | low price | full protection | surcharge of 50% for damage | |
| Insurance period | 1 year | 1 year | 1 year | 6-12 months | 1 year |
| Installment plan | |||||
| Franchise | |||||
| Risks | |||||
| Complete destruction | |||||
| Hijacking | |||||
| Damage | Road accident caused by a third party |
1 accident caused by the driver |
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| conditions | |||||
| Application without certificates | Europrotocol |
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| Drivers without restrictions | |||||
| Credit car | Banks by list |
Banks by list |
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| Service station to choose from | |||||
What you need to know about CASCO
What is a franchiseFranchise is the part of the damage that the insurer does not compensate.
It is measured in rubles or as a percentage of the sum insured (the cost of the car). For example, if a car costs 120 thousand rubles, then the 10% deductible will be 12 thousand rubles.
As a rule, the inclusion of a franchise in the CASCO terms, as well as its size, is your choice.
The inclusion of a deductible in insurance is significant reduces cost CASCO.
There are several types of franchises that can be used in our CASCO programs/products.
Conditional
Used in some programs/products of PJSC IC Rosgosstrakh. In case of total loss of the car, full compensation for damage is made in accordance with the CASCO insurance contract.
Unconditional
This is the most popular option: in the event of an insured event, PJSC IC Rosgosstrakh pays for the damage minus the deductible specified in your CASCO agreement. The deductible is set as a percentage of the sum insured or as a fixed amount in rubles.
Dynamic (increasing) unconditional
This is a flexible deductible: for the first insured event you receive a full payment, and for subsequent ones - a payment minus the deductible amount established by the contract.
Aggregate
Used in the Economy program. The insurer makes payments under CASCO insurance only if the total amount of losses for insured events that occurred exceeds the amount of the aggregate deductible.
What is the difference between aggregate and non-aggregate sum insured?
In some CASCO programs/products, you can choose an aggregate or non-aggregate insurance amount. Aggregate can reduce cost agreement, but is not beneficial for multiple requests. Non-aggregate does not change throughout the insurance period.
How GAP worksAP (Guaranteed Asset Protection) can be translated as “guaranteed preservation of property value.” GAP is compensation for the Insured's expenses incurred in connection with the theft or complete loss of the vehicle.
Example: You have issued a CASCO insurance contract for a car, the terms of which imply an insured amount of 500 thousand rubles. By the time of the theft, it had decreased due to depreciation, that is, the payment will be less than the original cost of the car. The difference between the original and current insured amount is compensated by the GAP payment, that is, for a stolen car you will receive the same 500 thousand rubles.
Application without certificates
Application without certificates is a service available in most CASCO programs/products of PJSC IC Rosgosstrakh. The amount of damage is limited to the insured amount under the contract. Application without certificates is possible if the following elements of the car are damaged:
Choose your CASCO
We have collected for you popular car brands for which purchasing a CASCO agreement is especially important.
We offer ready-made programs/products for both beginners and experienced drivers. Use the CASCO constructor to create your own auto insurance program/product.
Anti-crisis proposal for CASCO
Advantages of the “Anti-crisis offer for CASCO”
- Together with the contract, OSAGO provides additional insurance protection for your car.
- Protects against the risks of “Theft” and “Damage” (total loss of a vehicle and/or one accident) not covered by compulsory motor liability insurance.
- The cost of the contract is several times less than full CASCO insurance.
- Drawing up an agreement on the terms of the insurance product “Anti-crisis offer for CASCO” will not take much time.
- Free expansion of the insurance territory when traveling abroad.
The cost of the anti-crisis offer for CASCO in comparison with the classic program:
| Automobile | Anti-crisis CASCO offer |
Regular CASCO |
|---|---|---|
| Lada Largus | RUB 24,805 | RUB 37,785 |
| Hyundai Solaris | RUB 24,060 | RUB 57,480 |
| Toyota Camry | RUB 36,990 | RUB 145,800 |
| Toyota Land Cruiser Prado | RUB 80,920 | RUB 145,320 |
A sample CASCO calculation was made for Moscow, a car manufactured in 2016, driver age 35 years, experience 15 years.
Features of the insurance product “Anti-crisis offer for CASCO”
- In the event of an accident due to someone else’s fault, you will receive a payment under compulsory motor liability insurance of up to 400,000 rubles.
- Maximum payment in case of an accident due to your fault:
- 30,000 rub. - domestic car,
- 50,000 rub. - foreign car;
- Compensation in case of total or constructive loss of the vehicle:
- in case of an accident, theft, natural disaster, illegal actions of third parties, fire, explosion and other cases provided for by the Insurance Rules;
- as a result of theft, robbery or robbery.
Accident protection
Insurance for 1 year against road accidents due to the fault of a third party with a minimum policy cost (from 2000 rubles).
You can learn more about the product on the CASCO calculator page "Accident Protection".
Economy (50/50)
- Passenger cars of category B and their equivalents of category D are accepted:
- domestic cars from 1 to 5 years;
- foreign cars from 1 to 7 years.
- If the vehicle is stolen and completely destroyed, you will not have to pay the remaining 50%.
- In case of an insured event, the second 50% is paid taking into account the amount of loss.
Nothing extra
- Accepted:
- domestic cars up to 7 years old;
- foreign cars up to 7 years old.
- Selecting the sum insured from the list.
- Choice of aggregate/non-aggregate sum insured.
- The number of requests is not limited.
- GAP: in case of complete loss of the vehicle or theft, the client is paid without taking into account the depreciation of the vehicle.
- Conditional deductible of 65% for the risk of “Damage” for cases of total or constructive loss.
ROSGOSSTRAKH AUTO "PROTECTION"
Advantages of ROSGOSSTRAKH AUTO "PROTECTION":
- The most complete and reliable CASCO protection program.
- Contract from 6 months to 1 year: you do not overpay for CASCO during seasonal operation of the car.
- Replace the increasing coefficients in the policy for inexperienced drivers with an unconditional deductible.
- You can choose repairs at a service station in the direction of PJSC IC "Rosgosstrakh" or payment of bills from a service station of your choice.
- The cost of spare parts is included in the insurance payment without taking into account wear and tear.
- GAP: depreciation deduction is not carried out in case of total/structural loss and theft.
Program features:
- accepted:
- domestic cars up to 12 years old,
- foreign cars up to 12 years old;
- Insurance for full value only;
- Non-aggregate sum insured.
A CASCO policy has long become as integral an element of car protection as an alarm system or an anti-theft device. In case of troubles, including those that occurred due to the fault of the policyholder, he may receive monetary compensation. Having decided to take out a policy, it is important not only to choose a company, but also to decide on the list of insurance risks that must be included in the contract. The choice of insurance coverage must be taken especially seriously, because it determines in what cases the car owner will be entitled to an insurance payment. There are two types of CASCO policies: full and partial.
Full CASCO
This insurance provides protection against a full range of risks: damage and theft. Full CASCO gives the car owner the opportunity not to worry about receiving compensation for damage in various situations, from damage as a result of an accident or the actions of third parties to the loss of a car as a result of theft. It must be remembered that the full CASCO agreement does not cover damage caused by vehicle breakdown due to violations of operating conditions.
Full CASCO insurance is suitable for you if you:
- Driver without / with little experience;
- You use your car frequently;
- We purchased a car on credit.
With us you can take out a policy on full CASCO terms for a car of almost any make and model (not older than 10 years). The insurance contract will cover damage caused to the car or its parts as specified by the manufacturer. Therefore, if your car has equipment installed independently, it must be included in the policy.
Partial CASCO
Such a policy provides coverage for one type of risk: only damage, or only theft.
Under the “Damage” risk, the car is insured against damage due to an accident, fire or spontaneous combustion, transportation, illegal actions of third parties, and natural phenomena. If these events occur, the owner receives compensation for losses regardless of fault or condition of the vehicle (including total constructive loss). The insurance payment is calculated minus depreciation, i.e. taking into account the depreciation of damaged parts.
Under the “Theft” risk, the car owner is insured against damage due to unlawful seizure of the vehicle by third parties.
Partial CASCO is suitable for you if you:
- Drive your car frequently and store it in a parking lot or garage (damage insurance);
- You rarely drive a car, but you own a brand of car that is often stolen (theft risk insurance).
How to calculate the cost of insurance?
The cost of a CASCO policy depends on the selected list of risks. The wider it is, the higher the insurance price. Although here it is also necessary to take into account such factors as the model and make of the car, year of manufacture, the presence of an anti-theft device, driving experience and age of the car owner, as well as the number of drivers included in the insurance.
On our website you can calculate the cost of CASCO insurance specifically for your car and taking into account your individual requirements. When you apply for a policy through an online calculator, you receive a 5% discount. In addition, you can save on insurance by signing up for an agreement with a franchise (up to 72%), using the Smart Insurance service (up to 30%), receiving a discount for accident-free insurance under OSAGO (up to 12%) or choosing the option “Repair from an unofficial dealer” (up to 20%).
Cooperation with us means high quality of service, round-the-clock support in the event of an insurance event, prompt processing of the case and insurance coverage in Russia and countries near and far abroad. Entrust the insurance protection of your car to us!