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The owner of a vehicle, especially a new one, turns to the insurer to protect himself from possible material losses if the car gets into an accident or an accident occurs. The insurance company Ingosstrakh carries out CASCO calculations both on its official website and in all divisions throughout the country.
Features of IC "Ingosstrakh"
The insurance organization "Ingosstrakh" is the most experienced insurer in the domestic insurance market, because the history of its existence exceeds seventy years. This company has been protecting the property of citizens and legal entities for decades, providing them with insurance protection against a variety of risks. Both office managers and a large agent network will help you calculate CASCO insurance for your clients at Ingosstrakh. This allows the company to offer its services in every corner of the country. 71 years of operation, 83 branches, more than two hundred representative offices, almost three billion of equity capital - these are the general indicators of Ingosstrakh Insurance Company, which only emphasize the solidity and seriousness of the company and its insurance products. Reviews from grateful clients allow it to take first place in the rating of insurance companies.
Today the insurer offers several car insurance programs.
CASCO "Premium"
The CASCO Premium program will be of interest to VIP clients who use new cars. The main condition for drawing up such a contractual agreement is the availability of a guarantee from an official dealer.
Calculating the cost of CASCO insurance under this program, Ingosstrakh suggests starting with determining the insured amount. It should be noted that when paying insurance compensation for the first insured event, the insurance price of the car will not change and will not decrease by the amount of the payment. This calculation has the definition of a “non-aggregate amount”. The policy cost is calculated by the policyholder independently.
Advantage of CASCO Premium
In the event of an insured event, the client only needs to dial the 24-hour dispatch service number to report the incident. Moreover, the number of such events is not limited in any way. For two events per year, you can repair the body or replace glass elements without supporting certificates from the relevant authorities.
The advantage of CASCO Premium from Ingosstrakh is the coverage of material costs for delivery of a damaged car to a service station. The client can choose at his own discretion: receive cash for repairs or pay for the services of a repair organization. However, given that all new cars up to three years old during the warranty period are required to be repaired at a specialized service station, the policyholder prefers to pay the invoices.
Accident commissioner under the CASCO "Premium" program
When an event occurs that has signs of insurance and is subject to the insurance contract, an expert from the insurance company goes to the scene. For such cases, the Ingosstrakh company employs an emergency commissioner. He works with representatives of the traffic police and at the same time provides assistance to the policyholder.
An employee of the insurance company, based on the results of the accident, issues a referral to a licensed auto repair shop. The client, having the policy in hand, does not contact the insurer’s office directly. All functions for collecting documents and necessary certificates are assigned to the emergency commissioner.
CASCO "Optimal"
For customers who own cars that are no longer new, the company offers to use the “Optimal” program. At Ingosstrakh, the calculation of the CASCO policy under this program begins with determining the real value of the insurance object. Under this program, as well as under CASCO Premium, the amount of the insured amount will not change downward, regardless of the number of insured events.
It should be noted that if the vehicle is damaged, repairs can be carried out at repair stations that cooperate with Insgosstrakh. The calculation of the CASCO "Optimal" policy includes full coverage of material losses in the event of the theft of an insured object or its complete destruction.
CASCO "Comfort"
For owners of VW and Skoda cars at Ingosstrakh, CASCO calculations are carried out according to the Comfort program. Seat and Audi cars are also subject to these conditions. The main condition for drawing up such an agreement is that the car must be under warranty service at a company service center.
Calculation of the cost of CASCO insurance at Ingosstrakh under the Comfort program includes, in addition to payment for car repairs, also the insurer’s liability for theft or total destruction of the vehicle. To obtain insurance under this program, you must have significant driving experience. This program does not include the services of a personal insurance agent. At the same time, in the event of an emergency, the emergency commissioner will register the insurance event and help in collecting the necessary supporting documents.
CASCO online
When insuring a car, Ingosstrakh offers to carry out CASCO calculations online for all potential clients. And if the future policyholder lives in the capital or the Moscow region, then such a policy can also be purchased online. Thus, without visiting the company’s office, the consumer has the opportunity to determine the price of CASCO insurance at Ingosstrakh. The insurance conditions and calculation of the insurance payment can be found in various versions and for all available insurance programs. Residents of cities where there is no online registration of CASCO are offered the opportunity to receive the original contract free of charge by courier or by mail.
Registration of CASCO
In order to formalize and calculate CASCO insurance at Ingosstrakh, the policyholder is required to provide a certain list of documents:
- a document that confirms the client’s identity;
- car rental agreement, if the vehicle is rented;
- power of attorney for the car if the policyholder is not the owner;
- certificate of registration of the insurance object;
- documents confirming driving experience for all persons driving a car.
If a client has applied for the services of Ingosstrakh for the first time, although he was previously served by another insurance company, he may be awarded a bonus discount if he submits a certificate from another insurer confirming the absence of payments.
Contract cost
When insuring a CASCO car with Ingosstrakh, the calculation begins with the cost of the car. Next, correction factors are applied, which are influenced by:
- area of operation of the vehicle (city of regional significance or small regional center);
- vehicle characteristics, number of years, engine power, mileage;
- the number of people allowed to drive a car, their driving experience;
- history of insurance payments or lack thereof.
Also, when drawing up an insurance contract, you should clarify the presence of anti-theft elements or their absence. When calculating CASCO insurance at Ingosstrakh, you must indicate the age of the drivers, whether they are male or female. Even the presence of children and civil status (married, single) affect the final price of the policy.
Additional insurance options
When calculating CASCO insurance, Ingosstrakh proposes to add to the standard set of insured events risks for which other insurance companies are not responsible. This:
Profitable purchase of a CASCO policy from Ingosstrakh
Ingosstrakh company was founded in 1947. Today it is considered a symbol of the emergence of Russian insurance culture and quality insurance. Over many years of activity in the international and domestic insurance markets, the company has managed to develop a coherent and powerful working network of branches, as well as earn the trust of millions of customers. Ingosstrakh provides the most complete package of services and products for 23 types of insurance. In order to improve the quality of services provided by the company, its own network of medical centers is gradually being created in different cities of the Russian Federation. Ingosstrakh is one of the ten largest insurance companies, both in terms of qualitative and quantitative indicators.
CASCO policy
A voluntary type of CASCO insurance is a policy under which you insure your vehicle. This contract does not include insurance of transported cargo, motor vehicle liability or life of passengers. Often in practice the concepts of “full CASCO” or “partial CASCO” are used. What is this?
Insurance policy "Full" CASCO in Ingosstrakh» allows you to protect your vehicle from damage or theft. At the same time, “Partial CASCO” allows you to insure a car only against damage.
Advantages of taking out a voluntary insurance policy with Ingosstrakh
There are a number of privileges for Ingosstrakh clients that are provided when applying for CASCO insurance:
saving time;
permanent system of discounts;
registration of a policy CASCO in Ingosstrakh online;
delivery of the policy to your home, office or any place convenient for you;
friendly staff, ready to provide assistance and advice at any time.
Contract cost
Since the CASCO policy is a voluntary type of insurance, the tariffs for services in the insurance market are set directly by insurance companies.
Ingosstrakh clients are given the opportunity to make a preliminary calculation of the cost of car insurance services. Online CASCO calculator from Ingosstrakh in a few seconds it will make calculations and display the results on the screen. To do this, you just need to fill out the calculation form with the following data:
car data (make, model, year of manufacture, cost, etc.);
information about drivers (experience, age, gender);
insurance region;
availability of previously issued CASCO policies;
package of additional services.
One of the company's priority activities is auto insurance. Voluntary policies are in particular demand. The company regularly strives to improve the quality of services provided and reduce their costs. Promotions, discounts and bonus programs - all this is available to Ingosstrakh clients.
CASCO calculator Ingosstrakh allows you to make a preliminary calculation of the cost of the service, taking into account all the parameters you entered, as well as currently valid promotions and discounts.
Additional opportunities for the company's clients
As a kind of bonus, Ingosstrakh’s regular customers are provided with unique offers:
24/7 assistance from company dispatchers;
basic package of services;
collection of certificates and other documents by company employees;
evacuation of a vehicle from the scene of an accident;
installment payment - if the cost of the policy is over 25 thousand rubles, you can pay in two equal payments with an interval of three months;
payment of compensation without certificates;
restoration of keys if they are lost or stolen;
Insured events under the policy include damage to the vehicle by animals.
CASCO terms are regulated not only by the text of the insurance contract, but also by the rules for insuring vehicles against damage, theft and other related risks, which are approved by the company. This voluminous document reflects the procedure for concluding a contract, setting a tariff, the amount of payment, the amount to be paid in case of early termination and resolving disputes between the insurer and the client. Read about how to choose an insurance company based on rating and how to calculate the cost of a policy.
The most important points of the insurance rules:
- procedure for action in the event of an insured event;
- rights and obligations of the parties;
- deadlines for notification of an insurance event and filing an application;
- the principle of calculating the payment amount (including wear and tear, without it, etc.);
- list of exceptions to payments;
- a list of all documents that are submitted for calculating insurance compensation;
- procedure for terminating the policy and returning the insurance premium.
In IC Ingosstrakh, the Insurance Rules provide eight sections. They even spell out such little things as statutes of limitations for disputes, subrogation and much more. You can easily find the Rules by going to the company’s website in the “Tariffs and Rules” section.
The PDF document can be downloaded and printed.
Insurance conditions
CASCO conditions depend on the choice of insurance program and a number of additional options. Despite their external similarity, CASCO programs may turn out to be completely different products:
- with a different set of risks;
- franchise level;
- payment procedure.
The description of the programs is not given in the Insurance Rules. In order to find out, you need to call the insurer or go to the company or its insurance brokers.
Programs
How to calculate the cost of a policy online?
There is an online calculator for calculating the tariff yourself, you can also. In order to use it, you need to go to the “CASCO” section and click the “Buy online” button.
Once on the calculator page you need to enter:
- car make;
- driver age;
- year of issue;
- mileage, modification, engine power;
- region of use;
- alarm system (specific brand);
- availability of credit;
- estimated value of the car;
- number of drivers.
After filling out all the fields, click on the blue “Calculate” button and receive a preliminary calculation of the premium for the selected insurance period. Next to the amount, the main conditions of CASCO will be indicated, but in the form of a short explanation (for example, insurance in case of damage, deductible from the second case: 10 thousand rubles, dealer stations).
Below you will find the amount of surcharge for additional options and a complete list of risks for your CASCO insurance.
The insurance premium is determined in accordance with the current Ingosstrakh tariffs, based on the terms of the contract and an assessment of the degree of risk.
An example of an online calculation on the Ingosstrakh website: CASCO for a Toyota car, manufactured in 2016, model 4-runner with a manual transmission, mileage less than 200 km, Smart Entry alarm system for a car owner aged 34 (5 years of driving experience) and an insured amount of 1.3 million rubles CASCO for Moscow it will cost 75.5 thousand rubles.
For this money you will receive a policy with “Damage” risk coverage and a deductible from the second case: 15 thousand rubles.
Required data for registration
It is impossible to obtain CASCO insurance if you do not have a passport or documents for the car(registration certificate, driver’s license of all drivers, purchase and sale agreement, lease, power of attorney, etc.).
It will also be necessary to inspect the car by the insurer, after which an inspection sheet will be issued. The inspection sheet contains the following information:
Additionally, information about previous insurance history may be provided. in other companies. The insurer also requires you to provide photographs of the car (this is provided for in the Insurance Rules). In the application you will need to enter information about the car and its configuration. Ingosstrakh also requests information about the policyholder from the Credit History Bureau to determine the degree of risk.
How to order it?
By clicking the “Send” button, wait for a call with further clarification.
Instructions for purchasing CASCO online:
An application for insurance submitted in electronic form is signed with a simple electronic signature (EDS). It is considered the official reason for concluding a contract.
The next step is to upload scans of documents for insurance (passports, driver's license, registration certificate, etc.). They must be in PDF or JPG format. To download, use the “Upload Documents” button.
After the insurer examines all the documents and agrees to insurance, they will send you the text of the contract for study, and you can pay for the policy. An insurance contract drawn up in the form of an electronic document is considered concluded from the moment the insurance premium is paid and is concluded without inspecting the car.
Extension
The contract can be renewed 30 days before the end date. This can be done via the Internet in your personal account, or by coming to the office in person. On the website, you need to click the “Renew” button, enter the insurance series and number, as well as your personal data in the “Policy Information” form. All information on your policy will be revealed to you. Renewal via the Internet occurs under the terms of the previous agreement.
If you decide to make adjustments, you still need to contact the office or change the insurance conditions in the application. To pay, you will need to click the “Pay” button.
After payment, an electronic policy will be sent to the specified email address. If you continuously renew your insurance, you can count on receiving a discount or additional bonuses, such as a free emergency dispatch to the scene of an accident.
How to report an insured event to the insurance company?
A collision on the road or a car theft is always a stressful event. But very it is important to get together and fulfill the requirements of the insurer under the CASCO agreement so as not to lose the opportunity to pay in the future.
For example, if we are talking about an accident, then you need to stop the car, turn on the emergency lights and call the emergency service to call the traffic police (telephone 112).
Next you need call the insurer at the contact center number specified in the insurance and report the incident. A written statement about an insurance event must be submitted within 7 days. The application must be submitted in person or sent by mail, fax, or email. Having received the application, the company will inspect the damaged car (if it is not a theft) and inform you about what to do next.
Rules for making payments
Under CASCO insurance, payments are made within the insurance limit specified in the contract. The size of the payment depends on the amount of damage, the presence of a deductible, the selected option (payment with or without wear and tear, full or incomplete insurance).
To compensate for damage you will need:
- statement about an insured event;
- notification of damage;
- certificate in form No. 154 of the State Traffic Safety Inspectorate;
- a copy of the protocol on the administrative offense;
- a copy of the resolution in the case of an administrative offense;
- registration documents for the car;
- driver's license;
- policyholder's passport.
Money is paid at the cash desk, directly to the service station’s account or by transfer to the policyholder’s account. Payments are made based on damage calculations based on the results of an inspection of the damaged vehicle. The insurer recommends that all clients photograph or film the car itself and the scene of the accident - then all this will help determine fault in the accident and simplify calculations.
Typically, repair estimates are drawn up based on average market prices for repair work in this area of the city. The terms of the insurance contract may provide for the replacement of the insurance payment with the provision of property similar to the lost one.
Receiving compensation for damage
CASCO insurance events are different. Many of them do not require calling emergency services and can be issued on the spot by the policyholder himself, the participant in the accident and a representative of the insurance company. At Ingosstrakh you can submit an application for payment without a certificate from the traffic police in case of damage to glass (headlights, glass, mirrors) and body parts.
The amount of damage for compensation without certificates is no more than 3% of the insured amount. If the damage exceeds this limit, you will have to collect certificates from the traffic police, police department and other authorities to submit them to the insurance company. You can apply for compensation without certificates no more than twice a year.
In the event of an accident where you were not at fault for the accident, payment or repairs under CASCO without a certificate are not provided by the insurers.
In these cases, CASCO insurers charge the insurance company of the driver, through whose fault the accident occurred, a payment under the MTPL insurance policy to compensate for their losses.
What are they not paying for?
Traditionally, the insurer does not compensate for damage that occurred as a result of military actions, confiscation, requisition, or seizure of the insured vehicle. In addition, you will be denied payment if your car license plates, anti-theft system were stolen, wheels or rims were damaged (if this was not an illegal act of third parties).
The insurance company will not compensate for repairs to the breakdown of machine parts due to its normal operation, factory defect. Deliberate damage to property by the policyholder himself, if this can be proven, will also lead to a refusal to pay. The client must comply with fire safety rules, not leave the car unlocked, not lose the keys and comply with other terms of the contract.
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