What is comprehensive insurance and insurance for a car in simple terms. What is better for a car owner to choose, comprehensive insurance or compulsory insurance? Compulsory motor insurance or compulsory insurance

Auto insurance is practiced in most developed countries of the world, acting as a kind of financial protector. It significantly helps the driver in those undesirable cases when he gets into an accident and the car is damaged. In domestic automotive practice, there are several different types of insurance, the most common of which are OSAGO and CASCO. Their names are two abbreviations, which stand for “Compulsory motor third party liability insurance” and “Comprehensive motor insurance, except liability”. They have similar features and are fundamentally different. Many drivers, before making a decision, think about the important differences between CASCO and MTPL.

Choice of insurance: CASCO or OSAGO?

What is OSAGO

There is a widespread belief that both insurance companies act solely for their own purposes, only defrauding drivers of money and enriching themselves at their expense. However, this opinion is erroneous. In cases of force majeure, these companies, with all their differences, each help out due to their own characteristics and other nuances.

It can be difficult for car owners to determine on their own the differences between these companies, let’s look at them in detail in simple language, and OSAGO. Let's look at the main purpose and action of compulsory motor liability insurance using the following fairly typical example. Suppose a driver accidentally gets into an accident. A showdown begins, he is found to be the culprit of the accident, due to which he must make up for the losses for someone else’s car he damaged. If it is an expensive foreign car, the cost of repairing it can be quite considerable, and sometimes even beyond the reach of the fine officer. In such sensitive cases: if the driver owns this policy, insurers will compensate for the damage caused to someone else’s car and will contribute money in the required amount. The driver will not pay a penny from his own pocket to the victim. Let us note the key point of this example: OSAGO will do this only when the driver who owns his insurance policy was at fault for the accident. And vice versa: if your car is damaged, but the culprit has a compulsory motor liability insurance policy, then the insurance will cover the repairs.

In practice, a third option also happens: both drivers are at fault for the accident. Then each of them receives, as a rule, 50% of the amount of damage caused to his car. Figuratively speaking, purchasing an MTPL policy is protecting your own finances in case of trouble for your car. And one more thing: an MTPL policy is mandatory for all drivers, without exception. If it turns out that it is not there, questions will arise for the driver.

What is CASCO

Compared to previous insurance, CASCO has some differences. First of all, insurance differs in its essence: this format applies only to your car, but not to someone else’s car. For example, after the theft, the CASCO company will reimburse the cost of the car. She will also repair it if you have an accident, regardless of who is at fault, or when the car is damaged due to bad roads, weather incidents, etc. That is, it is beneficial from the point of view that it will save your money in unforeseen circumstances . Owning such a policy, you can drive without fear of any emergency.

The main differences between CASCO and OSAGO

It is important to understand what is the key difference between CASCO and OSAGO. The fact is that CASCO is exclusively voluntary car insurance, but not mandatory. Secondly, CASCO is more expensive, especially for prestigious cars. Thirdly, for CASCO, each company sets its own tariffs, while for OSAGO the cost is the same everywhere. Fourthly, the maximum amount of payments under compulsory motor liability insurance has its own ceiling. In addition, CASCO practices the so-called deductible - an amount by which it reduces the amount of compensation for damage caused.

For its part, some people wish for the best in the CASCO line. Sometimes insurers do not show, for example, special interest in those cars that are more than 3 years old, they require that all insurance incidents be documented in the traffic police, they delay the payment of compensation in case of theft, etc. And yet, if compared as a whole, the comparison is unambiguous can not.

Do policies replace each other?

Drivers also ask this question quite often. In order to save money, they want to make a clear choice in favor of one or another insurance. However, such a formulation of the question is inappropriate, because OSAGO and CASCO have significant differences, starting with the fact that the first is strictly mandatory, the second is purely voluntary. They also differ noticeably in their functional goals. Therefore, the conclusion follows that these insurances do not replace one another in any way, but only organically complement each other.

Damage and payments under OSAGO and CASCO

This question also has many differences. For example, compulsory motor liability insurance involves limited compensation payments. In case of damage to a car, the amount is limited to a ceiling of 400 thousand rubles, and for compensation for damage caused to health - 500 thousand rubles. If desired, the driver can apply for the so-called “”, however, it will, of course, cost more.

There are no restrictions on payments in CASCO, but it is almost impossible to buy a car without it. In addition, you can insure it in various forms: in case of fire, flooding and other types of natural disasters, against theft, for protection against hooligan attacks, etc.

About the cost of insurance. For compulsory motor liability insurance, the cost ranges from 3.5 to 5 thousand rubles. CASCO is not tied to a specific amount, since it is guided by the price of the car: its tariff is about 5% of the insurance for an accident and 7% for theft. But the amount of full CASCO insurance will not exceed 11% of the price of the car, so the cost of such insurance is not affordable for everyone. On top of that, there may be charges due to storing the car in a parking lot and other unforeseen issues.

Experienced drivers remember how their lives changed after the adoption of an interesting federal law in 2003. The government then obliged motorists to purchase insurance for their cars.

And for the eleventh year now, drivers have been confused by the mass of offers from insurance companies and are tormented by doubts: should they buy OSAGO or CASCO? Let’s figure out how MTPL differs from CASCO and clarify the features of both types of insurance.

What do these words mean?

The terms are actively used throughout the country, but few know the exact meaning. Both words mean insurance, but insurance is different.

What is OSAGO

The meaning becomes clear after decoding: compulsory motor liability insurance. Let's highlight the most important points:

• Mandatory - you cannot travel throughout the country without compulsory motor liability insurance.
• Insurance – you purchase a policy in advance. This is your insurance against troubles, and there should be no interruptions in it. When one policy expires (usually one year), you sign a new insurance agreement with the company in advance. If you bought a car, you buy insurance within 10 days (the law insists on this).
• Liability insurance – that is, you are not paying to have enough money to repair your own car in the event of an accident. You, as a driver, are insured against the financial consequences of possible minor and major accidents for which you will be the culprit. An insurance company will help you pay for the repair of someone else’s car and compensate for the damage caused to the health of the victims.
• Motor vehicle liability – the MTPL policy is valid only for motor vehicles.

What is CASCO

This voluntary insurance of transport against possible damage. Let's highlight the main points:

• Voluntary insurance - the law does not force all motorists to receive it. If you want, you buy it; if you don’t want it, you pass by.
• You can insure not only automobiles, but also other transport: water, rail, air.
• Damage insurance - in this case, you insure not liability for your actions, but compensation for damage that may be caused to your car.
• The damage includes many unpleasant situations:
  • damage in an accident;
  • arson;
  • hijacking;
  • consequences of natural disasters;
  • theft;
  • other damage to the car.

How much do CASCO and OSAGO cost?

The price of insurance varies significantly. The cost of compulsory motor liability insurance is determined by the state, insurance companies cannot change legally established rates.

What does the price of OSAGO depend on?

Before applying for a policy, a representative of the insurance company will run you through their database and study all the documents: car registration certificate, driver’s license, your passport. The final cost will be based on the following factors:

• territories of residence – each region has its own tariffs;
• your age and driving experience;
• type of insured vehicle.

How does the CASCO price work out?

In this case, there are no strict standards, so Each company has its own prices. Basic indicators:

• make, age of the car;
• your driving experience - especially affected by the absence of accidents due to your fault;
• inclusion of additional services:
  • assistance in drawing up documents in the event of an accident;
  • car evacuation;
  • calling an emergency commissioner and others to the scene of the incident.

What insurance amounts are provided?

In compulsory motor liability insurance, these amounts are prescribed in the law: for causing harm to health and life - 160 thousand, to the property of one victim - 120 thousand.

In CASCO insurance, this amount is equal to the value of your car on the day on which you entered into an insurance contract.

Features of the CASCO policy

CASCO insurance will follow the scenario you choose. The contract is drawn up for you, it is a flexible tool.

Insurance form

There are two options:

1. Full form.
2. Partial form.

In the first case the contract provides for all types of risk, from possible fire to theft. For insurance according to the second option The types of risks that you wish are prescribed in the policy. If the car spends the night in the yard, include clauses about possible theft and theft, park the car at the entrance - do not forget about natural disasters (icicles, snow falling from the roof). Partial CASCO is much cheaper than full CASCO.

Franchise

This is another means of reducing the cost of insurance. A deductible does not mean paying the full cost of insurance, but only part of it. For example, a deductible of 10 thousand means that you will pay for the repair of minor damage to the car, which will cost less than 10 thousand. If the car was badly damaged and its restoration costs more than this amount, the insurance company will pay for the repairs.

The main differences between CASCO and OSAGO

1. Mandatory: OSAGO – required by law, CASCO – desirable.
2. Insurance price: OSAGO is cheaper than CASCO.
3. Object of insurance: CASCO insures your car, OSAGO insures your liability.
4. Amount of payments: CASCO will pay for everything, there is no limit, OSAGO - only the amount that the state legally allows.

Video: Subtleties of insurance in case of an accident

Can policies replace each other?

These are different types of insurance, and there is no question of replacement. Driving without compulsory motor insurance is a violation of the law; for the absence of a policy, an administrative fine is imposed. Now it is 500 rubles, but soon the amount will be increased.

Is compulsory motor liability insurance necessary for CASCO insurance?

There is only one answer - definitely. OSAGO is primary insurance; you cannot do without it. But CASCO is a kind of addition to it. Therefore, it is impossible to answer the question of which is better: OSAGO or CASCO . Both insurances are a guarantee of your financial well-being; it is up to you whether you buy only the mandatory one or buy both.

What to choose: OSAGO or CASCO plus OSAGO

To understand how much you need both insurances, answer a number of questions:

• how often do you drive;
• Do you live in a small village or a metropolis;
• how densely congested the streets and highways you drive are;
• how much experience do you have as a driver?
• how old is your car;
• Do strangers have access to your car?

If the chances of getting into an accident are high, you are moving in heavy traffic, or the car is expensive, it is better to spend money on both policies.

When do you need CASCO

cases, when is it not worth saving on this policy?, two:

1. Buying a car on credit.
2. Purchasing a new and very expensive car.

We can say with complete confidence that compulsory liability insurance will not be abolished in Russia. This means that car owners will continue to change their MTPL policy every year. Now you know the difference between insurance, decide what is more important: saving money on CASCO or confidence in financial well-being in the event of an accident.

CASCO calculator. Calculate the cost of Auto CASCO insurance online

What is insurance?

What types of insurance are there? What is auto insurance?

OSAGO

If you ran a red light and collided with a car, that is, you became the culprit of an accident, you must pay for the damage caused from your own pocket. If you have compulsory motor liability insurance, then your insurance company will undertake the repair of the damaged car. You will have to repair your own car at your own expense, since it is not your own property that is insured, but civil liability.

OSAGO + DSO

Casco

If a car is stolen, the insurance company will pay the cost of the car. If you have an accident and lose control, he will repair the damage. If a mirror was stolen in a parking lot or your car was scratched, the insurance company will pay for repairs.

The main difference between comprehensive insurance and compulsory motor liability insurance is the object of insurance. If MTPL insures civil liability, then comprehensive insurance insures the vehicle.

It doesn’t matter who is to blame for the accident - comprehensive insurance reimburses the damage in any situation.

Only OSAGO or OSAGO + Casco?

OSAGO

Advantages

• Low price.
• Payment within 30 days.
• Minor damage can be recorded without the traffic police.

Flaws

• The limit for one accident is up to 120,000 rubles.
• The payment is calculated taking into account the wear and tear of the car. Wear and tear is not taken into account for the brake system, windows, airbags. Depreciation can amount to 80% of the payment.
• You can only challenge the damage assessment.

Casco

Advantages

• Large payout amount.
• It doesn't matter who is to blame for the incident.
• Feeling of calm and security.
• Individual approach, consideration of each insured event separately.

Flaws

• Higher policy prices for popular cars, cars older than three years and for young, inexperienced drivers.
• It is necessary to record each insured event with the police or traffic police and obtain supporting certificates.
• Unscrupulous insurers may delay payments in the event of theft and take a long time to agree on the cost of repairs with the repair organization.

How to choose a comprehensive insurance policy?

Any car owner knows that buying a car is not so bad, because what follows is the preparation of various documents, which takes a lot of time. And the first thing a novice car enthusiast needs to take care of is insurance, the most popular types of which are CASCO and MTPL. This is where the rub begins: which one is more profitable, in which cases is CASCO purchased, and in which MTPL, and in general, are there any differences between them? Let's try to clarify this issue.

Definition

CASCO– this is insurance of motor vehicles (except railway) against any type of damage, including theft. In the event of an accident, even if you are at fault, CASCO covers the cost of car repairs. This type of insurance is voluntary.

OSAGO- This is compulsory car insurance. If you are the culprit of an accident, OSAGO will reimburse the costs of compensating damage to third parties. But the culprit pays for the repair of his own car himself.

Features of insurance

The list of insurance cases in which CASCO helps is as follows: fire, theft, damage to the car by third parties, road accident (the culprit is not important), impact of objects, such as falling icicles, etc. In any of these insurance cases, the damage is compensated in full. At the same time, some other services may be included in the CASCO policy, for example: evacuation of a car from the scene of an accident, correct preparation of documents in case of an accident, departure of an emergency commissioner, etc.

OSAGO insures the property interests of third parties. That is, if damage is caused in any traffic situation due to your fault, they are compensated for the damage. In this case, there is a certain payment limit.

Price

CASCO is a fairly expensive type of insurance. It is calculated using a complex formula, taking into account the car owner’s driving experience, his age, etc.

OSAGO is affordable for everyone; in fact, that’s why it is compulsory insurance.

Conclusions website

1. OSAGO is compulsory car insurance, CASCO is voluntary.
2. OSAGO protects the automobile property of third parties, and CASCO provides a more complete range of insurance services.
3. Payment under compulsory motor liability insurance is limited, and CASCO compensates for damage in full.
4. The cost of CASCO insurance is significantly higher than compulsory motor liability insurance.

In accordance with current legislation, every car owner is required to insure his car under the compulsory motor third party liability insurance program (MTPL). Such a policy is relatively inexpensive, but does not protect the vehicle from many accidents that can happen to it not only on the road, but also off it.

That is why insurance companies offer car owners to insure their property under the CASCO program. What is the difference between these insurances, which one is the most profitable for the driver, and why not all car owners strive to purchase insurance with the greatest coverage?

OSAGO– compulsory motor vehicle liability insurance. Came into force on July 1, 2003 Federal Law No. 40 of April 25, 2002 “On compulsory insurance of civil liability of vehicle owners”, which established the obligation of all car owners to insure their vehicles. At the same time, the state does not take any part in the operation of the compulsory insurance system, but only issues regulations governing the operation of this system and monitors compliance by insurers with established regulatory requirements.

Unlike CASCO, tariffs for compulsory motor liability insurance are set by the Government of the Russian Federation and cannot be independently changed by the insurer. Often, insurance agents force policyholders to pay for additional options (for example, life and health insurance for the driver), however, such actions are a direct violation of the law and can be challenged in court.

Features of OSAGO

Under the MTPL program, payments are not made to the person at fault for an accident, regardless of whether his or her life or property was damaged as a result of the accident. In fact, the purchaser of the policy insures not his own car, but someone else’s, relieving himself of the burden of paying for repair work in the event of damage to it. Thus, compensation is paid only to the injured party, and its amount is limited.

As of 2016 it is:

• 500,000 rubles – to each victim whose life and/or health was damaged;
• 400,000 rubles – for the property of the injured party damaged as a result of an accident.

In the event that only two cars were involved in an accident, and no harm was caused to the life and health of their drivers and passengers, the owners of the damaged vehicles can draw up a so-called Europrotocol. A form for such a protocol is attached to the MTPL insurance policy, and you can obtain it from your insurance agent at the stage of completing all the necessary documents. Drawing up the Europrotocol allows drivers to get rid of the need to call traffic police officers, but involves reducing the size of the maximum possible insurance payment to 50,000 rubles.

The cost of an MTPL policy depends on the following factors:

• the value of the bonus-malus coefficient established for the vehicle owner, based on data on the number of accidents in which he has been responsible in recent years;
• power of the insured vehicle;
• driving experience and age of the policyholder;
• validity period of the policy.

You can check the correctness of the calculation of the cost of the insurance policy by using a special online calculator from our website (below).

Since March 2009, a Federal Law has come into force, changing the procedure for receiving compensation payments due to the party injured as a result of an accident. Under its provisions, the insured victim must file a claim for damages with his own insurance company, not with the insurance company of the person who caused the accident. If, for objective reasons (for example, in the event of bankruptcy, revocation of a license, or if the person at fault for the accident does not have an insurance policy), the insurer cannot make a compensation payment, you can apply to the Russian Union of Auto Insurers for its appointment.

What is CASCO?

The concept of CASCO does not have a literal definition. The source of origin of this term is the Spanish word “casco”, which translated into Russian means “helmet” (according to another version, the Dutch noun “casco”, meaning “body”) is taken as the basis.

CASCO– this is insurance of a vehicle against damage caused by a traffic accident (regardless of who was at fault), or other external influences, as well as from theft or theft. CASCO insurance does not cover the liability that the policyholder bears to third parties, and also does not cover damage that may be caused to the transported property.

In this case, the purchaser of the policy can insure both the entire car as a whole and its individual parts, the list of which is indicated in the insurance contract. The owner of a car insured under the CASCO program can receive compensation even if the car is scratched, headlights are broken, wheels or bumper are stolen.

The cost of a CASCO insurance policy is influenced by the following factors:

• statistics of thefts of the insured model in a specific area;
• the age of the policyholder and his driving experience (including accident-free driving);
• the cost of spare parts that may be required to repair the machine;
• the presence of specialized devices in the car that protect it from theft;
• year of manufacture of the vehicle;
• internal tariffs established directly by the insurance company providing services for issuing CASCO policies.

You can calculate the cost of a policy based on specific criteria on the insurance company’s website - most insurers offer their potential clients the opportunity to independently determine the amount of insurance using a special online calculator.

Features of CASCO

The CASCO insurance program has a number of distinctive features:

• CASCO insurance is voluntary, unlike MTPL insurance, which is mandatory for all car owners driving a car in Russia. An exception is the situation in which a car is purchased using borrowed funds received under a car loan program - in this case, CASCO insurance is an integral part of the agreement concluded between the bank and the buyer of the car.
• The cost of insurance under the CASCO program is quite high and can be up to 10% of the cost of the car, which means that you will have to pay a considerable amount for a policy purchased for an expensive foreign car. However, many companies provide clients with a variety of benefits, discounts and bonuses that allow them to reduce the cost of processing documents.
• Possibility of paying for insurance in installments or using a deductible;
• Damage caused to human life and health is not subject to compensation;
• Payments are made even if the insured person is the culprit of a traffic accident: under compulsory motor liability insurance in this case, compensation is not issued.

CASCO is not paid if:

• the damage to the vehicle was intentionally caused by its owner;
• at the time of the accident the driver was under the influence of drugs or alcohol;
• The policy does not cover the incident that occurred.

What is a CASCO franchise?

A deductible is a benefit provided to an insured who purchases a CASCO policy. Its essence is as follows: the insurer is released from the obligation to pay money in a certain amount upon the occurrence of an insured event, in return providing the policyholder with a discount on the payment of the policy.

Insurance deductibles are of the following types:

• conditional - if the amount of damage caused to the car does not exceed the amount established by the provisions of the agreement, compensation is not paid to the policyholder; otherwise, the damage will be fully compensated;
• unconditional - upon the occurrence of an insured event, the amount of the deductible established by the terms of the contract is deducted from the amount of money required to cover the damage.

As a rule, a franchise is provided to car owners who meet certain criteria: for example, having reached the age established by the insurer and having a certain driving experience (often requirements are also imposed on accident-free driving experience).

The legislator allows the possibility of simultaneous use of CASCO and OSAGO policies. In this case, the car owner provides himself with maximum protection from troubles that arise during the operation of the vehicle. However, it is worth remembering that the purchase of a CASCO policy is voluntary, and the words of an insurance agent who convinces a potential policyholder that the purchase of a compulsory motor liability insurance policy automatically entails the obligation to pay for CASCO insurance only indicate his dishonesty.

So, in accordance with current legislation, every car owner must have an MTPL policy. Driving an uninsured vehicle will subject its owner to liability. The cost of such insurance is relatively low and depends on a combination of factors such as the age and driving experience of the car owner, the bonus-malus coefficient assigned to him, etc.

Insurance under the CASCO program is voluntary and allows you to cover losses incurred as a result of an accident in full. However, the price of such insurance significantly exceeds the cost of a compulsory motor liability insurance policy, so not all car owners take it out.