Casco calculator. CASCO insurance in "reso-garantiya" Conditions and comparison of programs

12.03.2023

In the last few years, CASCO or voluntary insurance has gained enormous popularity. And this is understandable, because only this insurance can provide complete comprehensive protection against a huge number of risks. That is why today it is almost impossible to imagine buying a car without this insurance product. You can apply for it in many companies, for example, with such an experienced and reliable insurer as RESO.

The main provisions of the CASCO rules in this organization provide for the following:

Policy prices are calculated based on the price of the insured vehicle. After payments during the term of the contract, the amount of car insurance (for risk of damage) does not decrease.
In case of damage to certain items, for example, headlights, interior glass, it is also possible to compensate for expenses without providing certificates. As a rule, when calculating the amount is no more than 5% of the total value specified in the contract.
The calculation of damage compensation, as agreed by the insured, may not include wear and tear of the vehicle or its parts.

Conditions of CASCO insurance in RESO-Garantiya

Today, the insurer offers many interesting CASCO programs, which differ in the nuances of their provision. The most popular offers are as follows:

"RESOauto". Under this program, payments are guaranteed in case of: vehicle theft, road accident, damage resulting from a natural disaster, damage caused by third parties. This insurance also includes: vehicle repair and restoration, evacuation, roadside assistance.
"RESOautoGAP". The program has no restrictions on the age and experience of drivers and is relevant in case of theft and total loss of the vehicle.
"Theft." This CASCO offer is intended only against theft and differs: the service life is no more than 12 years, the issuance of a car insurance contract only after inspecting and photographing the vehicle, the mandatory installation of an additional anti-theft system.

CASCO calculator in RESO

There are numerous calculators you can use to calculate or estimate the cost of your auto insurance certificate. Prices are formed taking into account the calculation of many factors, the most significant among which are:

Number of persons allowed to drive.
Region where the vehicle is located.
Payment reimbursement method.
Presence or absence of a franchise.
Availability of anti-theft systems.

Reviews of CASCO insurance at RESO-Garantiya in Moscow

We can offer our clients full list services, as well as a unique online calculator with which you can make the necessary calculations in a matter of minutes, without entering contact information.

Insurance rules CASCO and OSAGO "RESO Guarantee"

Complete insurance rules

Brief rules

1. Determination of the sum insured

The agreement of the company "RESO Guarantee" applies non-aggregate insurance amounts, implying cash, within which insurers are obliged to make insurance payments for each of the insured events, regardless of their number during the insurance period. At the same time, the liability limits of the insurance company are not reduced by the amount of payments made.

After payment of insurance compensation due to damage, with the exception of payments under the conditions of “Total loss”, the insurance contract continues to be valid.

2. Regulations for the provision of insurance compensation for damage

Calculation of compensation due to damage incurred implies the exclusion of depreciation.

3. Constructive death

The rules of CASCO insurance and OSAGO "RESO Guarantee" assume the implementation of the "Total loss" condition if the cost of the required restoration repairs reaches 80% of the cost of the car, excluding depreciation at the time of conclusion insurance contract.

4. Determination of wear rates

The CASCO and MTPL insurance contract "RESO Guarantee" assumes the following procedure for calculating depreciation:

in the first year - 20% (in the first month - 3%, in the second month - 2%, in the third and subsequent months - 1.5%);
in the second year - 15% (including for each month - 1.25%);
in the third and subsequent years - 12% (including for each month - 1%).

5. Deadlines for filing damage claims

Within 10 working days, policyholders are required to submit a written report of damage to the insurance company.

6. Deadlines for filing reports of theft

The insurer has set a period of 24 hours for mandatory verbal reporting of theft. In order to receive payments under CASCO, as well as payments under OSAGO at RESO Garantiya, within 3 working days, policyholders are required to submit a written report of the theft to the insurance company.

7. Period of insurance compensation due to damage

The rules of CASCO insurance and OSAGO "RESO Guarantee" provide for compliance with a 20-day period during which payments related to damage are credited to the insured's bank account. In this case, payments due to the destruction of a vehicle are made within 30 days.

8. Period of insurance compensation due to theft

Payments under CASCO, as well as payments under OSAGO in "RESO Garantiya" related to theft, are made within a 30-day period. To receive compensation due to the theft of a car, it is necessary to provide the insurer with all the documentation required by it, including decisions to initiate criminal cases.

9. Damage not subject to payment

Payments under CASCO at RESO Garantiya are not made in case of damage to:

exclusively wheel group (caps, tires, wheels);
awnings

Refusal to pay compensation also occurs due to theft of tent products.

10. Damage and expenses payable

The following expenses are subject to reimbursement:

aimed at restoring damage received during towing;
related to evacuation (no more than 1% of the insured amounts).

11. Important information

Payments can be made without providing documentation from authorized government bodies in case of damage to glass, as well as headlight glazing, or damage to body elements. These payments are possible if the amount of damage does not exceed an amount equivalent to:

$200 for domestic cars;
$500 for jointly produced and imported vehicles.

News News WordPress Theme

Wednesday, 12 October 2016 22:52
Comment

Category: Cars
Link to post

A car is a source of increased danger not only for third parties, but also for the owner of the vehicle. He risks losing his property in an accident or theft and being left alone with large expenses.

CASCO protects the car as a complete mechanism. In addition, such a policy can significantly expand the limits of liability under compulsory motor liability insurance.

Features of insurance in the company

The main voluntary insurance program offered by this company is RESOauto.

You can insure:

any car from theft and damage;
optional equipment;
driver and passengers from an accident;
civil liability of the driver in the amount of up to 30 million rubles.

RESOauto insurance provides protection against damage caused by road accidents, natural disasters, fires, explosions and stones.

The insurer guarantees:

car restoration in specialized service centers;
payment for evacuation in the event of an insured incident;
24-hour preferential evacuation;
road repairs (if necessary);
discounts for installing anti-theft protection.

There are three options for compensation for insured events, one of which the policyholder must choose when concluding the contract:

payment of bills for repairs at service stations;
direct repair and restoration of the vehicle;
car repair and restoration in service centers that are not official dealers.

RESOautoGap is a product that allows you to fully protect the interests of the owner in the event of theft of a car.

Standard CASCO does not fully protect new cars from theft or theft in the first year of use. From unforeseen expenses in this case, RESOautoGap protects.

The essence of the action is based on compensation for the difference between the insured amount determined by the contract and compensation under CASCO.

The value of the car during the contract period is reduced if the car is stolen or cannot be restored after an accident.

RESOautoGap can be purchased together with the Resoauto policy or separately from it. This product makes it possible to cover the costs of the first year of use associated with theft and the purchase of a new car.

The advantages of RESOautoGap are as follows:

guaranteed preservation of the value of the car
You can protect any car with a service life of up to 7 years;
there are no restrictions on the value of the insurance object;
You can insure yourself before the expiration of the main CASCO policy;
The age and length of service of persons admitted to driving are not taken into account when applying for insurance.

The Theft Only program is unique offer from the insurer. It only protects against the risk of car theft. The policy is suitable for confident and experienced drivers who do not need standard CASCO insurance.

Cars with a service life of up to 12 years are accepted for protection. The policy is issued after a mandatory expert examination and photography.

All insurance objects are divided into groups. Some require installation modern systems search and alarm.

At the company’s office, after inspection, it is determined which group it belongs to. vehicle. Payments can be made in installments; the age and experience of drivers do not matter when making payments.

Economy RESOauto policy makes it possible to call an emergency commissioner, evacuate a vehicle from the scene of an accident, and carry out emergency repairs on the road. This product can be purchased by anyone who applies for MTPL and CASCO insurance.

An annual policy of this kind will cost less than membership in a car club. The “Help Comfort” policy protects the lives of the driver and passengers, allowing you to call an ambulance to the scene of an accident.

This product also provides emergency dispatch, vehicle evacuation and roadside repairs. When applying for CASCO insurance at RESO, clients receive a discount, and they are also assigned a personal manager if the insurance amount is at least 3 million rubles.

The company also offers two products that are interesting for the Russian market:

insurance with satellite system;
resoauto-glass.

The satellite system allows you to reduce the total amount of coverage, and the RESOautoglass program protects you from costs associated with damage to vehicle windows.

Rules

CASCO is part of voluntary insurance. The relationship between the insurer and the policyholder is contractual.

The insurance objects are:

property interests of the insured and beneficiaries associated with loss and damage to the vehicle, as well as the risk of civil liability;
additional equipment in case of its loss or damage.

All vehicles that are in legally were imported or purchased on the territory of the Russian Federation. They must be technically suitable for use.

Insurance coverage also applies to additional equipment only if it is not subject to installation.

The following risks can be insured:

damage (damage or destruction of the vehicle);
theft (loss of a car as a result of unlawful actions of third parties, which may be classified as theft, robbery, theft or robbery under the Criminal Code of the Russian Federation);
risks of unforeseen expenses associated with restoring a car or buying a new one);
risk of loss of market value.

CASCO insurance rules.

It is permissible to include in the agreement all the risks indicated above, as well as any separate combinations thereof. The insurance amounts in the contract are indicated separately for each risk.
The rules of CASCO insurance in the Sogaz company are discussed in the article: CASCO Sogaz.

You can find information about Mini CASCO in this article.

How protection works

The insurance contract comes into force from the moment of payment of the first insurance premium. The policyholder undertakes to comply with the terms when paying the insurance premium. Payments can be made in installments.

For example, you can transfer equal amounts every six months. If desired, installments can also be arranged with payment once a quarter (25% of the amount).

But if the contract is drawn up for a period of less than a year, the premium is paid in full before its conclusion.

After an insured event occurs under CASCO, the policyholder must immediately contact the authorities authorized by the state to investigate the causes of the accident:

traffic police;
Fire Department;
Ministry of Emergency Situations;
police and others.

After this, the form is filled out and within 10 days (from the date of the accident) it must be submitted to the insurer for consideration.

Insurance payment is made only after all necessary documents, inspection of the scene of the incident by the emergency commissioner, establishing the causes and guilt of the persons concerned.

Application for payment to the insurance company.

The basis for receiving payment is recognition Road accident insurance by chance. In case of theft and destruction of property, money can be received no earlier than 30 days after the event is recognized as an insurance incident. In other cases, this period is 25 days.

Damage notification.

Notification of theft.

Insurance with deductible

The deductible is the amount within which the insurer will not be liable upon the occurrence of insured event. The policy can be issued with or without a deductible.

When paying under policies with a deductible, its amount will be used when determining the amount of compensation to the policyholder.

Repair according to the policy

The insurer offers car repair in a specialized service center as an option insurance compensation. You can choose a dealer yourself or simply take advantage of an offer from the company.

The insurer assumes obligations regarding the evacuation of the vehicle from the scene of the accident and the cost of restoration.

Insurance repairs may be provided in the event of a technical breakdown on the road. The insurer undertakes to deliver the vehicle to the policyholder after restoration.

From theft

RESO company provides comprehensive protection (against the risk of damage or theft of the car) or only in case of theft. The concept of “theft” includes theft, robbery, robbery and car theft.

Insurance only in case of theft is not provided. Drivers who are confident in their professional skills can take out MTPL and a policy that will only protect against car theft.

In this case more value will have the life of the machine, not its cost. The outdated anti-theft system will be updated.

A good solution would also be to purchase a policy that includes satellite tracking of the vehicle. This will significantly reduce the cost of insurance for the buyer.

How to make a CASCO calculation at Reso

The cost of insurance depends on the deductible, the cost of expenses, the sum insured and the selected indemnity option. The default insurance period is 1 year.

You can pay for protection in a lump sum or by installing payments over six months or quarters. It is important that the initial insurance is taken out or a renewal of an existing agreement is carried out.

Table approximate cost CASCO in RESO with a franchise, calculated using the calculator on the company’s official website:

Table of approximate cost of the policy without deductible:

The cost of protecting the driver and passengers from an accident, depending on the amount of insurance, will be at the level 1750 or 4900 rubles. Purchasing a Help-Economy product will cost 2400 rubles, and Help-Comfort – 4500 rubles.

You can find out your ostomy value yourself by following the calculation formula:

CASCO from RESO-Garantiya will help protect your car from the risks of theft and damage. The company offers many unique insurance products and also allows its clients to carry out reinsurance. The primary insurer is notified of the presence of a second insurer in mandatory.
About the terms of the CASCO agreement in the Rosgosstrakh company, read the article: CASCO Rosgosstrakh.

Smart CASCO from Alfastrakhovanie is discussed here.

Find out the features of the Optimal program at Ingosstrakh by following this link.

Video: What to do after an accident if you don’t have a CASCO policy

Your feedback

Add a comment Cancel reply

CASCO insurance in RESO

Decor insurance policy CASCO is carried out at the request of the citizen, in contrast to compulsory motor liability insurance. However, when choosing an insurer and concluding an agreement with him, you should take into account some nuances. At RESO it is possible to obtain insurance for all occasions, but most often clients take out car insurance.

About company

The company RESO - Garantiya was founded in 1991 and since then has been operating in most cities of Russia. New, modern insurance projects were developed and launched, including for motor transport.

In total, more than a hundred types of insurance services are provided, and it is also possible to re-register contracts concluded in other organizations.

Areas of activity of the company in the field of insurance:

Car insurance – issuing policies such as CASCO and OSAGO.
DGO policy.
Health insurance on a voluntary basis.
Insurance of property owned by legal entities and individuals.
Insurance mortgage loans, including those that were issued according to special programs lending.
Protecting tourists while traveling from financial loss.
Insurance against various accidents.

Drivers can, if they wish, protect not only their property, but also their lives and health. To do this you should use the service endowment insurance life, which is offered by the subsidiary company RESO - Life Insurance Company.

The company's clients include both private and corporate entities. The total number of citizens using RESO services is about 10 million people.

RESO branches were opened not only in Russia, but also in some other countries:

The expert agency "Expert RA" awarded the organization RESO - Insurance a high level of reliability - AA+. This is the maximum degree that can be set today.

A Certificate of Compliance with the highest international quality standards GOST, including GOST-ISO, was also awarded. The presence of these certificates indicates that the organization has the right to carry out reinsurance activities.

The company has received several awards indicating public recognition, including “Golden Salamander”, “People’s Brand” and others.

Insurance rules

Most insurance companies operating in accordance with legal requirements comply with the following rules for issuing policies to motorists:

RESO company operates on Russian market on the basis of a license issued by the relevant authorities, giving the right to issue a CASCO policy;
Only an adult, capable person can act as an insurer of his own property;
it is possible to obtain CASCO insurance for any type of car: passenger car, minibus, truck or bus;
additional equipment, such as video recorders, tablets, are insured only if this was agreed upon when concluding the contract between the parties;
special equipment, in particular working mechanisms and assemblies, can be insured separately or together with the vehicle.

In most cases, when assigning compensation, the following is not taken into account:

Caused moral damage.
Natural wear and tear of the vehicle resulting from use.
Benefit that was missed by the driver.
Simple vehicle.

When concluding a contract, the client should carefully read all its clauses, and if any questions arise, immediately ask them to a specialist.

How to apply for CASCO insurance at RESO

To obtain a CASCO policy, a citizen needs to contact one of the existing RESO offices or use the official website.

Algorithm for obtaining insurance:

On the organization’s website – reso ru, you need to find the menu item “for individuals” and select the “CASCO” section.

The document can be issued in paper or in electronic format at the request of the client. In the latter case, you should print it out, or always have a device with you, from which the policy can be presented to a specialist for verification.

This document is not presented if Road accident, like OSAGO, and in other situations when the integrity of the car was violated as a result of illegal actions of third parties, for example, during an attempt or theft of a car.

Documentation

If you plan to take out CASCO insurance for your personal car, you will need the following documents:

Application, in the form proposed by an employee of the RESO company.
Passport.
A driver's license for each person who will be included in the policy.
Certificate issued upon registration of the vehicle.
If the car is used, you will need a coupon issued after passing a technical inspection.
A power of attorney is needed if a third party is handling the paperwork.
An expert’s report indicating the market value of the car if the car has been in use for a long time.
If equipment has been installed to protect the vehicle from theft, it is necessary to attach copies or originals of receipts issued upon purchase.

How to calculate the cost

When calculating the cost of CASCO Insurance Company takes into account the following parameters:

Gender of the citizen driving the vehicle.
Age of the driver/drivers included in the document.
General experience in driving a machine.

The above factors do not depend on the policyholder.

Also, when calculating the cost of the policy, it matters:

car model. The higher the cost of the car and the better the model, the greater the likelihood that sooner or later the vehicle will be stolen;
total age of the vehicle – service life. For new cars the risk is higher;
insurance type. A full range of services will cost more than insurance against isolated cases - theft, loss of integrity as a result of a natural disaster;
the presence of anti-theft systems.

You can do the calculation yourself using the formula:

Is it possible to buy insurance in installments?

Not all drivers have the opportunity to make a one-time payment for an insurance policy, given its high cost. The RESO company gives you the opportunity to purchase a CASCO policy in installments under certain conditions.

Installment types:

for a certain period - half of the amount is paid when drawing up the document, half - on any other day convenient for the client. Thus, the payment is divided into two parts;
for 3-5 months - a certain part of the cost must be paid immediately - most often, 20% of the document price. The rest is distributed over several months.

Despite the fact that this method of purchasing CASCO insurance has a lot of advantages, it should be taken into account that there are also pitfalls:

You will have to visit the RESO office several times to make each part of the payment.
Only those clients who have extensive driving experience can receive an installment plan.
If a payment is missed, penalties will be assessed.

In RESO, it is possible to arrange “quarterly installments”, when 25% of total cost The policy is paid quarterly.

How to receive payment

If the vehicle was stolen, crashed or damaged as a result of a natural disaster, the client who has entered into an agreement with the insurance company can receive compensation for damage, however, first of all, he needs to collect several documents:

civil passport - original;
original insurance contract concluded with RESO;
registration certificate or PTS.

It will take about 15 business days for the company to review the application. Total term depends on whether all required documents were immediately presented.

Most often, payment is given in the form of cash, however, at the request of the parties, car repairs in a workshop can be paid for.

If the car was damaged as a result of a natural disaster, then standard package documents must be accompanied by a certificate from the Ministry of Emergency Situations department, which will confirm the fact of the occurrence of unfavorable weather conditions or fire.

In the domestic CASCO car insurance market, the RESO-Garantiya company is known, first of all, for its unique offer to insure a car exclusively against theft, which for a certain category of drivers is the only popular CASCO option. At the same time, the RESO-Garantiya Rules for CASCO clearly stipulate that the risk of Theft means: “Theft without documents”, “Theft without documents”, “Robbery” and “Robbery”. Due to this risk, fairly “old” cars are accepted for insurance – with a service life of up to 12 years, and the rates are, first of all, determined by the life of the vehicle and its theftability.

To calculate the cost of a CASCO policy using the RESO calculator, it will not take much time if you know exactly the parameters of your vehicle (year of manufacture, mileage, names of installed anti-theft systems, etc.), age and experience of drivers allowed to drive. The data entered into the fields of the calculator will allow you to calculate how much each of the three insurance options will cost you: full CASCO (theft + damage), partial CASCO(damage) and partial CASCO (theft). After the online calculation of the cost of CASCO has been made, you will only have to compare the amounts of possible insurance premiums and finally decide on the choice of the CASCO program of the RESO-Garantia company.

About the insurance company RESO-Garantiya

Insurance company RESO-Garantiya, founded in 1991, is one of the leading and one of the TOP 10 largest companies in the world. insurance market Russia. Famous rating agency The RA expert assessed the activities of RESO-Garantia at the highest level - “exceptionally high level of reliability” (A++).

After calculating the base cost of a CASCO policy on the company’s calculator for the most popular program among car owners, “RESOauto,” the client needs to familiarize himself not only with the rules of this type of car insurance, but also with various special programs that provide some categories of car owners with additional services, the opportunity to receive discounts and benefits provided by the company at the moment.

Features of the Insurance Rules "CASCO Classic" in IC RESO-Garantiya

The insurance amount is always non-aggregate, that is, with each subsequent insurance event it does not decrease by the amount of previous insurance payments.
For an insurance period of 1 year or more, the client has the right to pay in installments, but in this case increasing factors will be applied to the final rate. There are two installment options:
- 2 payments in equal installments at intervals of 6 months (every six months)
- 4 payments in equal installments at intervals of 3 months (once a quarter)
If the next installment is not paid within the specified time frame, the car owner is given 15 grace days, during which the insurer bears responsibility under the CASCO agreement in full.
Requirements for alarms and anti-theft systems exist only for cars that are frequently stolen according to statistics (after calculating the cost of the policy using the CASCO RESO-Guarantee calculator, such cars are accompanied by a list of anti-theft systems required for installation).
There are no conditions for storing a car at night.
If the cost of restoration of a damaged vehicle exceeds 80% of its value at the time of concluding the contract, the insurance payment is made on the condition “Total loss”.

Payments to RESO-Garantiya

Depreciation rates used to calculate compensation for the risk of Theft or “Total Loss”:
- For the 1st year of operation - 20% (3% for the first month, 2% for the second, for each subsequent month - 1.5%).
- For the 2nd year of operation - 15%.
- For the 3rd and subsequent years - 12% (1% for each month).
- An incomplete month is considered a full month.
Payments based on the risk of damage are made on the “new for old” principle, that is, without taking into account the wear and tear of the affected components and parts.
In the event of an insured event, the client will not be required to provide certificates from the competent authorities if the glass, headlights or taillights of the vehicle are damaged. And also, if the damage to body parts does not exceed 5% of the insured amount for the Damage risk.
If the policyholder had to use the services of a tow truck, the company will reimburse towing costs, but not more than 1% of the insured amount for the “Damage” risk, unless otherwise provided for in the CASCO calculator tariff (the conditions are specified in the contract).

Responsibilities of the parties in the event of an insured event

In the event of Damage, the policyholder is obliged to notify the insurer in writing of the insured event within 10 days, not counting holidays and weekends.
In case of theft, the policyholder must, within 24 hours, use any in an accessible way(in writing, in any form, by phone, by fax or by telegram) report the incident to the Investigative Committee. Then, within 3 days, not counting weekends and holidays, complete a written application in the prescribed form.
For its part, RESO-Garantiya undertakes, in the event of theft and “Total destruction” of the vehicle, to make payment within 30 days from the date of provision of all necessary documents.
In all other cases, the insurance company undertakes to pay insurance compensation within 20 days from the date of execution of the required documents.

Special CASCO programs at RESO-Garantiya

Other RESO-Garantia programs will allow you to reduce the cost of a CASCO policy, make this type of car insurance as comfortable as possible, and receive a package of special services in addition to it (unfortunately, they are not available for calculation in the CASCO calculator):

"RESO-Express" for clients in Moscow and the Moscow region who are entering into a CASCO agreement for the first time, it will help save up to 30% on the policy. Domestic and foreign cars no older than 7 years are accepted for insurance for the risks of Damage and Theft. CASCO insurance rules at RESO-Garantiya provide the opportunity to independently and quickly issue an express policy via the Internet.

Insurance “RESOauto-Glass” offers to protect the most fragile parts of the car. Insurance compensation can be obtained if the body windows are damaged for any reason: accidents, stones thrown from under the wheels, hail, falling objects, illegal actions of third parties, etc. In this case, no certificates are required to receive payments. An annual policy will cost car owners much less than a regular MTPL policy.

CASCO policy “VIP-service” intended for owners expensive cars, the cost of insurance for which is at least 100,000 rubles. Such an agreement makes it possible to take advantage of a number of additional services companies:

Support by a personal manager and step-by-step consultations in the event of an accident.
Tow truck service in Moscow and the Moscow region.
Referral for repairs without visiting the insurance company.
In addition to the territory of the Russian Federation, the policy includes a number of foreign countries.

Insurance with satellite system. If security and search systems recommended by the company are installed on the car, it will provide a discount of up to 70% on the risk of theft.

How much does CASCO cost for a car?
The price of the policy is affected a large number of factors:
- The main parameters are the characteristics of the car and data about the driver.
- Next in importance is the choice of a combination of the main risks: damage, theft and destruction of the car. The choice of combination determines not only the cost, but also the degree of insurance protection for your car.
- The final price will depend on the added options (roadside assistance and others), as well as the choice of franchise.
CASCO car insurance: how to get it at a discount?
When applying for CASCO insurance at Ingosstrakh, it is worth knowing about the existing options for saving - up to 60% of the full cost of the policy!
- You can take out insurance with франшизой первого или второго страхового случая. Это уменьшит цену, но часть расходов при наступлении страхового случая ляжет на ваши плечи. !}
- You can also reduce the price of the policy when you activate the option «М-Телематика» или при наличии противоугонной системы. !}
- More information about discounts on the CASCO page.