Calculate comprehensive car insurance. Rosgosstrakh motor insurance calculator. Advantages and disadvantages

Regarding the second point regarding expenses, it should be noted that showrooms selling cars often offer to issue a certain policy, CASCO is among them. The calculation of this type of insurance largely depends on the specific insurance company offering the policy, the make of the car and the power of its engine. The regional location of the vehicle is also of great importance, since the same model in different cities of Russia has a different insurance price.

CASCO against theft

Among several existing CASCO policies, the most reliable of them is considered “full”, the only drawback of which is the inflated price. Such an insurance package fully covers upcoming expenses in the event of any unpleasant situation, even an attempted or completed theft or even the death of the victim. Such a package costs differently in different regions.

What to consider when concluding an insurance contract:

• It is imperative to specify the period for notifying the insurance company, up to the number of hours;
• enter all possible users of the machine.

Regarding the franchise

The franchise should be understood as a certain amount that the policy owner must repay; the rest of the amount is covered by the insurance company (with a “conditional franchise” the entire amount is paid by the insurance company; if the amount specified in the contract is exceeded, the insurance company will not pay anything, but if the damage exceeds 5 thousand the insurance company will pay in full without deducting a deductible). This amount should be agreed upon when concluding the contract itself, which will help to correctly calculate costs and/or additional payments.

The difference between Osago and Rosgosstrakh

Many car enthusiasts have a question: “What is the difference between OSAGO and Rosgosstrakh?”

• Compulsory motor liability insurance is an insurance policy that justifies the insurance company's payments in the event of an insured event (traffic accident, total loss of a car, etc.), guaranteeing protection against theft, damage caused by third parties, road accidents, death, etc.
• Rosgosstrakh should be understood as an insurance company that offers the purchase of various types of insurance policies, including compulsory motor liability insurance. The abbreviation RGS is used for the company, which, however, is consonant with the name of the grenade launcher.

Online calculation of CASCO for all insurance companies

As mentioned above, for some regions and cities, insurance prices from insurance companies for even one model can be very different. Therefore, before purchasing a policy, you should monitor the prices of all insurance policies in a particular region/city and choose the best option for yourself. This can be done using services that provide online calculators. You only need to enter the requested data (vehicle make, mileage, driving experience, etc.) and the online CASCO 2017 calculator will make the calculation. Some services offer their services without special registration or over the phone. Below is one such calculator.

CASCO calculator 2017 online calculation of the cost of the policy:

For every car owner who decides to purchase a policy, the CASCO online insurance calculator 2019 will serve as an extremely useful tool. However, to talk about exactly how the calculator is useful, let’s talk about what CASCO is.

In our country, the last five years have seen the real peak in the popularity of comprehensive insurance. This popularity is due to the fact that commercial banks began to issue affordable loans for the purchase of a car. However, to obtain a profitable car loan, the borrower is required to provide a CASCO policy.

Some joker drivers decipher the term CASCO as an abbreviation of the phrase “Comprehensive Auto Insurance Except Liability.” In reality, of course, everything is completely different. The very concept of comprehensive insurance arose not in our country, but in Europe. Today it is a generally accepted international term. It is customary to designate insurance not only for automobiles, but also for water and even air vehicles. The very history of the origin of the word CASCO is quite interesting.

According to one version, the term is borrowed from the German language, where the word “kasko” literally means a vehicle. Another version refers us to the Italian language, where the word “casco” is used to describe a shield or helmet. There is another version that has the right to life: the Spanish word “casco”, translated meaning skull.

This concerns the origin of the word. But as an insurance term, the concept of CASCO arose much earlier than is commonly thought. In the 15th century in Spain, the owners of fishing boats, who suffered greatly from pirates, were simply forced to unite and create the first mutual aid funds. It was from such cash desks that vehicle insurance emerged over time.

It is generally accepted that CASCO is insurance of vehicles against theft and damage, but the insurance policy offers much more: insurance of additional equipment, as well as the life and health of the driver and passengers. A number of insurance companies also include the DoSAGO (Voluntary Automobile Liability Insurance) agreement in the CASCO calculator. There are dozens of such companies today, and each is ready to offer its own conditions, various programs, and tariffs. To understand how contracts can differ from each other, how to choose the optimal one and not lose in the quality of services, you need to familiarize yourself in detail with what motor insurance is.

What does the CASCO price depend on? Calculate the cost of CASCO online

If you want to find out the price, the 2019 Casco calculator will help you calculate the cost of the policy online, in which you need to enter data about a specific vehicle, as well as select insurance policy options. The price depends on the age of the car, make and model, but the choice of options also affects the final cost of the policy.

Insurance option: You can choose full or partial insurance. A partial policy will allow you to receive compensation only for damage caused to the car, while a full policy will compensate for its cost in case of theft. The difference between these two types of policies in price at one insurance company can reach 40%.

Franchise: Having a franchise allows you to reduce the cost of the policy.

Sum insured: Can be reduced (aggregate) or irreducible (non-aggregate). Aggregate insurance is cheaper for the client, since after each payment under the contract the amount of the insured amount becomes smaller. The insured amount is the amount from which compensation for damage in insured events is paid.

Method of obtaining insurance: At his own choice, the client can choose a service station recommended by the insurance company, or choose a service station himself, or receive the amount in cash. If you agree with the insurance company's choice of service station, such a policy will be the cheapest. The remaining two options will increase the price of the policy.

Payment is made: With or without wear and tear. Choosing the “without taking into account” option will allow you to receive compensation in the event of an insured event, which will allow you to replace the damaged part or the entire car, but this choice immediately increases the cost of insurance by up to 20%.

Age and experience of drivers included in the contract: The cost of the policy increases in proportion to the decrease in age and driving experience of the drivers included in the contract. Sometimes the cost of a “multidrive” policy (there are no restrictions on the number of drivers allowed to drive a given vehicle) is cheaper than a policy that includes several young drivers.

Other important factors that seriously affect the final cost of a CASCO policy are:

Installment payments under the contract. Always increases the cost of the policy. The cheapest way is to pay for the policy right away. But you can also choose installment payment if the insurance company does not impose an obligation on the client to pay premiums with an increasing coefficient.

Insurance history. A number of insurance companies introduce a reduction factor for accident-free driving.

Anti-theft alarm. The higher the class of the anti-theft system, the cheaper the cost of the CASCO policy.

Calculate the cost of CASCO - online calculator 2019

At the client's choice, most insurance companies offer CASCO against theft, against damage, against damage and theft. A few offer insurance only against theft (SK RESO). Choosing insurance only against damage makes sense only when the car does not belong to the category of frequently stolen cars, and in the absence of the driver it is kept in a guarded parking lot or in a personal garage. In all other cases, insurance against theft is a justified measure.

In fact, the deductible is the part of the insurance compensation that is not paid under the contract. It can be conditional or unconditional, and in the contract it can be stated as a percentage of the insured amount or as a specific amount.

The conditional deductible determines the minimum amount of damage. If the damage received is less than this amount, compensation under the contract is not provided. An unconditional deductible is the amount by which the payment will be reduced upon the occurrence of an insured event.

A driver who wants to receive compensation for damage from even the most minor accident will benefit from a contract without a franchise. For experienced drivers who do not get into minor accidents, it is more profitable to calculate CASCO insurance online with a deductible to see the savings, since the difference can be very significant.

Having decided on the choice for each of the options of the CASCO calculator, you should familiarize yourself with the prices for policies offered by various insurance companies. We remind you that the calculator only serves to calculate CASCO insurance, but does not in any way protect you from “surprises” in the contract, therefore, before purchasing a policy, you must carefully read all the conditions. Most often, a “surprise” can await the client in the following clauses of the contract:

1. Conditions for storing a car at night. This clause is not specified in every contract, but it may require the policyholder, upon the occurrence of an insured event, to provide documents confirming that the car was in a guarded parking lot at night.
2. The contract must necessarily formulate the concepts of “theft”, “damage”, “theft”, “destruction of the car”. If this is not the case, the company will be able to use this gap in the event of an insured event to understate the amount of insurance compensation.
3. A section of the contract that specifies all cases in which insurance compensation is not provided. You should read this list very carefully. Sometimes it includes types of damage that, in the driver’s opinion, require mandatory compensation.
4. Duties of the parties. Another point that requires the most careful study, since it is here that the conditions for notifying the insurance company about the occurrence of an insured event are spelled out. Failure to comply with these conditions enshrined in the contract will be a valid reason for refusing insurance compensation.

Now you know everything about how the policy is calculated, the Casco online calculator for all insurance companies will help you. Which insurance company to choose, and which one exactly, is up to you to decide, and our task is to help you make a profitable purchase! Use our CASCO insurance calculator online 2019 and make your choice!

Repair under CASCO

Renaissance Insurance

If you are a client of the company and a member of the Renaissance Club, then the approval for CASCO is very quick, communication by e-mail and the response to the OD from the insurance company came 2 days after my letter. Unfortunately, the service station let us down and delayed the repairs, but again, after I contacted Renaissance, I was provided with promotional codes for a taxi as a bonus. It was nice...

Ivan, Moscow

I would like the issues to be resolved faster

Agreement

I have a CASCO policy. Got into a small accident. I submitted documents to the insurance company and submitted the car for inspection. After 5 days I received a referral from the service station. Then I waited 10 days at the service center for spare parts. As a result, the car was repaired normally and is now running, but I would like it faster.

zakhar, Moscow

Repair under CASCO

Tinkoff Insurance

Good afternoon On May 23, 2019, a barrier crashed down at the Yaroslavl station and damaged a car. I called the insurance company's hotline (the call was answered very quickly). Explained the situation. Within a few minutes, all the necessary documents were completed over the phone. 40 minutes later, the official car service center I had chosen called and scheduled a day to inspect the car. After...

Vladimir, Moscow

Windshield replacement

Renaissance Insurance

I was previously insured and otherwise, then they transferred me to Rennesan since they began to work together, I have comprehensive insurance and insurance in Renaissance and, in principle, I am satisfied because I had a case of replacing the windshield, I applied, they sent me and replaced the carglass in digging, so on the Moscow Ring Road, where it’s warm. The glass seems to be of good quality, but without the Kia nameplate

Yuri, Moscow

quality repairs on time

Agreement

I thank my manager Yaroslav, as well as the emergency commissioner for quickly arriving at the scene of the accident, for issuing all the necessary certificates and organizing the delivery of the car by tow truck to the service center. Unfortunately (or maybe fortunately), this is the second time I have encountered an insured event and the repairs under CASCO are carried out efficiently and on time.

Sergey, Moscow

everything is fine in the end

Agreement

A side mirror was broken and a door was scratched in a shopping center parking lot. At first I was confused, I went to find out about the security service of the shopping center, to ask them for video from surveillance cameras, but as it turned out, they had a lot of dead zones and nothing was recorded. Then I just thought of calling the insurance company. The manager clearly told me the plan of action. I was able to use the service right away. Even in offices...

Avdeev, Moscow

everything was done as expected

Agreement

The front bumper was repaired at a service station for about a month, we waited a long time for spare parts, but in the end they did a good job. Special thanks to my insurance agent from Soglasiya for helping me quickly fill out the documents and everything went without any delays. I am pleased with the quick resolution of my case regarding repairs, but I was less fortunate with spare parts.

Igor Entin, Moscow

Cashback for comprehensive insurance and compulsory motor liability insurance

Tinkoff Insurance

bought comprehensive insurance + insurance on 06/08/19. The advertised cashback is not transferred to the card (I specially created a debit card) On June 10 I called to find out when it would be transferred, they answered that I had to apply for a CREDIT card. Filed a "claim". SMS are coming from 10.06. that we need another 2-3 days for verification. already 6 pieces from 11.06 to 27.06. This is a service. We paid for repairs at the service

Agreement

I insured my car in Soglasiya. After the accident I applied for compensation. We were drawing up a European protocol then. I can’t say that there were any problems or delays, no. The only thing is that they didn’t pay me compensation, but simply paid for repairs at the service, but I actually have nothing against it, especially since I was able to choose the service myself. The work was done in 5 days and this includes the delivery of parts...

Unified CASCO cost calculator:

1. Allows you to calculate and compare CASCO in different companies,
2. Current cost for 2019, accurate manual calculations,
3. Benefit up to 25% due to special conditions and discounts from partner insurance companies,
4. Free consultations our experts will help you make a more informed choice,
5. Detailed analysis of conditions insurance in a company you are interested in,
6. CASCO calculation for you does not oblige buy a policy from us or get insurance at all,
7. Free delivery policy.

Filling out the form takes no more than 2 minutes.
The exact calculation is made manually by an experienced expert. No spam or annoying calls.

You can choose the best offer, pick up a ready-made CASCO car at the office or order free delivery.

We select CASCO manually!

To eliminate calculation errors and offer the best insurance options, CASCO tariffs are calculated only manually by experienced specialists.

You will be offered options for calculating CASCO against theft, full CASCO, CASCO with a franchise and/or CASCO with installment payment, as well as special CASCO programs (50 for 50, 100 for 50, etc.) - at your choice! You can find out the prices for CASCO for credit cars, as well as for new and used cars.

Insurance agency "Gosavtopolis" is 10 years of experience in serving clients!
The Gosavtopolis insurance agency was opened in 2005 and operates in 25 cities of the Russian Federation. During this time, more than 46,000 individuals and companies became our partners in various types of insurance, and many of them became friends. We don't suggest taking our word for it, we suggest using our free insurance cost estimate for 2019 to see how helpful we can be for you!

It is important that the solvency of the partners we offer is confirmed by reviews of those who have already faced compensation for losses. Experts from the Gosavtopolis agency constantly monitor the situation regarding the quality and timing of payments.

Free post-insurance support from Gosavtopolis

• free and unlimited consultations for insurance events,
• cumulative discounts when renewing the policy,
• timely warning about the expiration of insurance coverage.

How the CASCO calculator works

1. Fill out all fields of the form,
2. Discuss the details with a consultant,
3. Receive a calculation with a comparative description of CASCO from different insurance companies,
4. Choose a tariff that is favorable for you,
5. Receive your policy in the office or by courier,
6. Free post-insurance care and service for a year.

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