Casco rules rosgosstrakh 171. Voluntary insurance in Russia: features and rules. Contract of voluntary insurance of vehicles and special equipment

We all need protection, in the event of an accident, we must be sure that there will be relatives, people nearby, and also that we have enough money to cover all expenses. That's what insurance companies are for. If you have insurance, they will help you pay and cover all your expenses. Let's see what is so special about Rosgosstrakh when it is used and its basic rules.

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Terms of payment under the contract

In order to draw up a contract, you must verbally declare your desire, subsequently a written contract will be drawn up. After the document is drawn up and signed personally by the subject, it comes into force. Your insurance will take effect when you make your first installment, exactly at 00.00 the next day.

But there are cases when the terms of the contract may carry separate conditions, and therefore differ from the generally accepted ones.

If, after the contract is signed, one of the parties wants to make any changes to their agreement, it must be in writing, as an addition to the main contract, and secured with the signature of both parties.

Advantages

CASCO in Rosgosstrakh has a number of advantages, here are just a few of them:

• you can get a certificate on service, contract and any other issues around the clock;
• in the event that you need insurance due to a malfunction, accident or any other trouble, the company will not charge you interest for the wear and tear of your vehicle;
• Rosgosstrakh offers a huge selection of service stations to repair your car;
• you will not be given special requirements regarding the storage of your car, nor will you be charged extra money for this;
• you can pay the insurance premium not immediately, but in parts, as if in installments;
• This company is accredited by the largest banks.

Options

Rosgosstrakh provides different types of insurance, all of them are divided into three types (A, B, C), and each of them has its own characteristics and prohibitions.

BUT

Can be insured:

• foreign cars are accepted, which are not more than seven years old;
• domestic cars, only if their age does not exceed five years;

Program features:

• you can only insure the car for the full cost;
• the company that assesses the damage is determined by Rosgosstrakh, if repairs are necessary, you can choose a service station from the list or find it yourself, in the latter case, the company will simply provide you with money;
• depreciation is not taken into account;

B

Can be insured:

• foreign cars, which are from 3 to 12 years old;
• domestic cars of the same age;
• the sum insured is non-aggregate;

Program features:

• it is possible to insure for an incomplete amount, and the ratio of insurance to the real value must be greater than 0.5;
• examination by the amount of damage is determined by Rosgosstrakh;
• the cost of parts is included in the insurance, but the amount of wear also plays an important role;
• in order to evacuate a vehicle from the scene of an accident or repair, the owner is provided with up to 3,000 rubles.

AT

Can be insured:

• foreign cars from 3 to 12 years;
• domestic cars aged 3 to 12;
• the sum insured is aggregate;

Program features:

• it is possible to insure for an incomplete amount, and the ratio of insurance to the real value must be greater than 0.5;
• in order to determine the amount of damage caused and the amount of repairs, Rosgosstrakh provides its company for conducting examinations;
• the cost of parts is paid, but the amount of wear plays a big role;
• materials and repairs are not paid to its owner.

Special

In addition to the fact that Rosgosstrakh provides assistance in assessing damage and repairing a car, it also has a special function, which is also called Roadside Assistance. This means that the company will help you right at the scene of the accident, as soon as you report that you have had an accident, a special commissioner will be sent to you to help you collect certificates and provide all the necessary information.

They can also help you deliver the car for repair using a tow truck and provide service assistance right at the scene of the accident.

It is worth paying attention to the fact that this program does not require you to participate in any other insurance or, in general, to be a client of Rosgosstrakh. Therefore, you can buy this program both for yourself and as a gift for your spouse, children, friends or other relatives.

In what cases the damage is not compensated

There are a number of actions that are not paid by CASCO Rosgosstrakh:

• if the damage was caused intentionally;
• if the driver was a person who was not registered in the contract;
• the driver did not have a driver's license;
• the object driving the car was intoxicated;
• if the car participates in competitions or any tests on road transport;
• if the car was damaged during military operations.

Regulation No. 171

CASCO Rules 171 consider cases upon receipt of funds, as well as compensation for all losses to the owner.

The price of the money that will be returned to the owner in the event of an accident depends on many factors:

• make and model of the car;
• the year of its release;
• the type of repair needed - it can be a service station from the Rosgosstrakh company itself, or the driver can choose it;

Franchise Insurance

A franchise is rather another way to save money. So, with it, the driver or the person who insures his property has the right to pay part of the repair in the event of an accident. It is on this part that the insurance payment can be reduced.

But such a moment should only be used if you are completely confident in your driving skills. Indeed, on the one hand, this will help you save on insurance, but on the other hand, you can really get into an accident, and then you will have to pay for most of the repairs. For this case, you need to remember one saying - the miser pays twice.

An excellent replacement for the usual franchise is its dynamic version. In this case, the first repair of the car, in the event of an accident, will be fully paid by the insurance company. But if the situation repeats, you will have to pay for the repair at the previously agreed amount.

How payments are made

If, after an accident or any other action that is insured, your case was found to be true and necessary to pay, the insurers are obliged to pay the object. The amount of the cash payment must fully correspond to the amount specified in the contract. The terms and method of payment are purely individual and must be specified in the contract that you signed at the very beginning of your cooperation with Rosgosstrakh. in our guide.

Conditions

The term of insurance must correspond to a period of 6 months to 1 year. But, as with every rule, there are exceptions. If you draw up a CASCO policy for a car that you took out on credit, you can issue it for the entire duration of the loan, plus one more month after the end of payments.

If you want to supplement or somehow change the contract, an additional document must be created, with the terms of the change and the signatures of both parties.

Cost how to calculate

For accurate calculations, the amount that CASCO will cost you can be easily calculated on an online calculator, for this you will need the following data:

• make and model of the car;
• the year of its release;
• engine capacity;
• data about the person who manages this tool;
• vehicle cost;
• CASCO program that you use;
• the period for which you insure your car;
• franchise and its size, if any;
• the availability of means to protect the car from theft;
• the city in which the contract is concluded;
• the number of persons who can drive this vehicle;
• the type of repair needed - it can be a service station from the Rosgosstrakh company itself, or the driver can choose it.

The calculator may also ask for some additional information about your insurance in order to accurately calculate its amount. After you fill in all the fields, the computer will process your data and provide you with a result with the cost of your CASCO insurance.

APPROVED by the Order of Rosgosstrakh OJSC dated August 26, 2008 No. 89 RULES on voluntary insurance of vehicles and special equipment (standard (single)) No. 171 Moscow, 2008 CONTENTS I. DEFINITIONS USED IN OF THE PRESENT RULES3 II. OBJECTS OF INSURANCE4 III. INSURANCE RISKS AND INSURED EVENTS4 IV. EXCLUSIONS FROM INSURANCE COVERAGE6 V. PROCEDURE FOR DETERMINING THE SUM INSURED8 VI. PROCEDURE FOR DETERMINATION AND PAYMENT OF INSURANCE PREMIUM9 VII. INSURANCE CONTRACT10 VIII. RIGHTS AND OBLIGATIONS OF THE PARTIES12 IX. RELATIONS OF THE PARTIES IN THE OCCURENCE OF AN INSURED EVENT13 X. DOCUMENTS REQUIRED FOR THE IMPLEMENTATION OF THE INSURANCE PAYMENT15 XI. PROCEDURE FOR DETERMINING THE AMOUNT OF LOSS AND IMPLEMENTATION OF INSURANCE PAYMENT16 XII. DOUBLE INSURANCE20 XIII. TRANSFER TO THE INSURER OF THE RIGHT OF THE INSURED'S CLAIM FOR DAMAGE COMPENSATION (SUBROGATION)20 XIV. PROCEDURE FOR CONSIDERATION OF DISPUTES20 I. Definitions used in these Rules 1. Insurer - JSC "Rosgosstrakh", insurance companies included in the Rosgosstrakh system, licensed to carry out this type of insurance. 2. Policyholder - a legal entity or capable natural person who has entered into an Insurance Contract with the Insurer. 3. Beneficiary - a legal or natural person who has an interest based on law, other legal act or contract in the preservation of the insured Vehicle, appointed by the Insured to receive insurance payment under the Insurance Contract. The beneficiaries under the "Accident" risk are the Insured persons. 4. Insured persons - the driver and / or passengers who are in the insured vehicle (V), in respect of which the risk "Accident" is insured. 5. Person admitted to drive - a capable natural person specified in the Insurance Contract and legally allowed to drive the specified Vehicle. 6. Vehicle (TC) - cars and trucks, buses, other self-propelled vehicles; trailers and semi-trailers; motorcycles, scooters, motorized carriages; tractors and other agricultural machinery and other vehicles subject to state registration with the traffic police or Rostekhnadzor. Additional equipment (DO) - additional is equipment purchased separately, equipment of the vehicle that is not included in its package and has pricing documents that establish the composition of the equipment, the cost and date of purchase, as well as the cost of its installation / installation. A traffic accident is an event that occurred during the movement of a vehicle on the road and with its participation, in which people were killed or injured, vehicles, structures, cargo were damaged, or other material damage was caused. Failure of the units, systems, components and devices of the vehicle - an event consisting in a violation of the operability of the unit, system, unit, device due to an unacceptable change in its parameters or properties under the influence of internal physical and chemical processes, external influences (including climatic), natural wear, manufacturing defects, lack or absence of fuels and lubricants. According to these Rules, individual units, systems, assemblies and devices are understood to be components of the following systems: engine, transmission, running gear, steering, brakes, ignition, fuel supply, cooling, exhaust, electrical equipment, additionally installed equipment (with the exception of radio, audio, video and television equipment). Total destruction - irretrievable loss of the vehicle due to: a) its absolute destruction; b) leaving the sphere of human influence; c) damage, in which its repair is not possible for technical reasons. Structural loss - infliction of such damage to the Vehicle, in which its repair is not economically feasible (the cost of restoration repair is equal to or exceeds 75% of the actual value of the insured Vehicle at the time of conclusion of the Insurance Contract, unless otherwise provided by the Contract). 7. Insurance contract - an agreement between the Insured and the Insurer, concluded on the basis of these Rules, which defines the terms of insurance of the Vehicle, additional equipment and Insured persons. An insurance contract can be concluded by drawing up one document (a full-text insurance contract) or by handing over an insurance policy by the Insurer to the Policyholder. 8. Sum insured - the amount of money specified in the insurance contract, within which the Insurer undertakes to make an insurance payment upon the occurrence of an insured event. 9. Insurance rate - the percentage rate of the insurance premium per unit of the sum insured, taking into account individual conditions of insurance. 10. Insurance premium - payment for insurance, which the Policyholder is obliged to pay to the Insurer in accordance with the Insurance Contract. Insurance premium - a part of the insurance premium paid in installments in the manner and within the terms established by the Insurance Contract. 11. Deductible - part of the damage not subject to compensation by the Insurer. The conditional deductible provides that the Insurer is released from liability for damage not exceeding or equal to the amount of the deductible, but if the amount of damage exceeds the established deductible, then the deductible is not taken into account when determining the amount of insurance payment. An unconditional deductible provides for a reduction in the amount of insurance payment for each insured event by the amount of the established deductible. Unless otherwise provided by the insurance contract, the unconditional deductible is established as a percentage of the sum insured. The insurance contract may provide for various amounts and conditions for the application of the franchise. 12. Insured risk - an expected event, in the event of which the Insurance Contract is concluded. 13. Insured event - an actual event provided for by the Insurance Policy, which resulted in damage to the insured Vehicle and / or additional equipment of the Vehicle and / or harm to the life and health of the insured persons, upon the occurrence of which the Insurer's obligation arises to make an insurance payment. 14. Insurance payment - the amount of money, the amount of which is established in accordance with the Insurance Policy concluded on the terms of these Insurance Rules, paid by the Insurer to the Policyholder (the Beneficiary, the Insured Person) upon the occurrence of an insured event. The terms of the Insurance Contract, within the limits of the sum insured, may provide for the replacement of the insurance payment (insurance indemnity) by the provision of property similar to the lost insured property. 15. Territory of insurance - the territory within which the objects specified in the Insurance Contract are considered to be insured against the risks provided for by the Insurance Contract. Events, although provided for by the Insurance Contract, but which occurred with the objects of insurance outside the territory of insurance, are not insured events. II. Objects of insurance 16. The objects of insurance are property interests that do not contradict the legislation of the Russian Federation: a) the Policyholder (the Beneficiary) associated with the possession, use, disposal of the vehicle, as well as additional equipment of the vehicle; b) Insured persons associated with harm to their life and health; 17. On the basis of these Rules, vehicles subject to state registration and additional equipment installed on them, as well as the life and health of the driver and / or passengers of the vehicle, are accepted for insurance. The technical condition of the TS and DO accepted for insurance must meet the requirements of the relevant standards, rules of technical operation, instructions of manufacturers and other regulatory and technical documentation. 18. Not subject to insurance, unless otherwise provided by the insurance contract: a) rare vehicles, museum exhibits; b) vehicles used in racing, sports competitions; c) vehicles used for driving instruction; d) vehicles imported into the territory of the Russian Federation in violation of customs rules and regulations, or listed in the information databases of Russian state bodies and Interpol bodies as previously stolen. 18.1. A vehicle that has damage and/or corrosion is accepted for insurance only on the condition that such damage and/or corrosion must be repaired by the insured at his own expense (at the same time, any damage to glass or plastic parts and parts requires their replacement), and the vehicle submitted for re-examination. Otherwise, claims for any damage to such parts or parts are not accepted for consideration, and in case of payment of insurance indemnity in case of total loss or theft of the insured vehicle, the cost of repairing damage and / or corrosion is deducted from the amount of insurance indemnity based on the calculation made by the Insurer. 18.2. DO installed on the insured vehicle may be insured in case of damage, loss or theft as a result of the events listed in clauses. 21.1., 21.2. of these Rules. The additional equipment of the Vehicle may be insured only if the vehicle on which it is installed is also insured. At the same time, the DO is considered insured against the occurrence of the same events and for the same risks as the vehicle on which it is installed. A DO that does not require installation is not insured, and the damage caused by its destruction, loss or damage is not reimbursed by the Insurer. III. Insurance risks and insured events 19. An insurance contract may be concluded for the following risks: a) "Damage" - damage or loss of the insured Vehicle or its individual parts, including Additional Equipment, as a result of the events listed in clause 21.1. of these Rules. b) "Theft" - the loss of the insured Vehicle and Additional Equipment as a result of the events listed in clause 21.2. of these Rules. If the vehicle is insured against the risk of "Theft" before the registration of the vehicle with the traffic police, the obligation of the Insurer to make the insurance payment occurs for this risk only after the registration of the vehicle with the traffic police, unless otherwise provided by the Insurance Policy. The vehicle is not insured against "Theft" if it is not insured against "Damage". c) "Casco" - insurance of the Vehicle and Additional equipment simultaneously for the risks "Theft" and "Damage". d) "Accident" - causing harm to the life and health of the Insured persons, which occurred as a result of the events listed in clause 21.1. "a" - "m" of these Rules, as well as as a result of the loss of the insured vehicle due to robbery and robbery. Insurance against the risk "Accident" can only be carried out if the vehicle itself is insured at the same time. At the same time, the driver and/or passengers are considered to be insured against an accident that occurred as a result of the same events and against the same risks against which the Vehicle is insured. e) "Technical assistance" - the request of the Insured (a person admitted to drive) to a specialized organization (authorized by the Insurer and specified in the insurance contract) to eliminate the failure of individual units, systems, components and devices of the Vehicle that impede its movement, or for evacuation TS. f) "Additional costs" - the request of the Insured (a person admitted to drive) in case of damage or destruction of the Vehicle to a specialized organization (authorized by the Insurer and specified in the insurance contract) to receive additional services related to the settlement of losses listed in clause 21.5. "a" - "l" of these Rules. 20. An insurance contract may be concluded in case of loss, damage or destruction of the vehicle or its individual parts, both as a result of all events, and as a result of one or more of the events listed in paragraphs. 21.1., 21.2. of these Rules. 21. According to these Rules, the following are recognized as insured events: 21.1. Destruction or damage to the vehicle, as well as additional equipment installed on it, as a result of: a) a traffic accident (RTA), including a fire as a result of an accident; b) collision with another vehicle; c) collision (impact) on stationary or moving objects (structures, obstacles, animals); d) overturning; e) falling of any objects, including trees, snow and ice; f) ejection of gravel, stones and other objects from under the wheels of vehicles; g) falling into water; h) failure under the ice; i) natural disasters, namely: - storm (storm) - the force impact of an air flow at a speed of 21 m/s (9 points on the Beaufort scale) or more, as well as the force impact of objects or waves driven by it on the insured vehicle; - hail - atmospheric precipitation in the form of rounded or irregularly shaped ice particles (hailstones); - flood, freshet, ice drift - the impact of water and / or ice on the insured vehicle, caused by an increase in the level of rivers, seas and other bodies of water, groundwater, intense snowmelt, heavy rainfall, breakthroughs of artificial or natural dams; - movement or subsidence of soil, landslide, collapse - any sudden movement of soil that led to the death or damage of the insured vehicle; - earthquake - natural tremors of parts of the earth's surface with a force of 5 or more points on the MSK-64 scale; - snow avalanches, rock falls, mudflows - impact on the insured vehicle of mud streams moving from the mountains, snow avalanches, falling stones; j) fire - an uncontrolled combustion process that destroys material values ​​and endangers the life and health of people and animals; consequences of fire fighting; k) explosion - instantaneous destruction of property under the pressure of expanding gases or steam; l) unlawful actions of third parties (including damage or loss of the Vehicle as a result of the actions of unidentified persons), including arson, explosion, and theft of individual parts, including Additional Equipment; 21. 2. Loss of the insured Vehicle and/or Additional equipment as a result of: a) theft; b) robbery; c) robbery; 21.3. Causing harm to the life and/or health of the Insured persons, which occurred as a result of the events listed in clause 21.1. "a" - "m" of these Rules, as well as as a result of the loss of the insured vehicle due to robbery and robbery; 21.4. Application of the Insured (a person admitted to management) to a specialized organization (authorized by the Insurer and specified in the insurance contract) to receive the following services: the occurrence of a failure to the place specified by the Insured (within the territory specified in the insurance contract), if it is impossible to eliminate the failure at the place of its occurrence for technical or climatic reasons, as well as due to the absence of the necessary spare parts from the Insured, if this is provided for by the insurance contract; b) evacuation of the Vehicle within the territory specified in the insurance contract, in case of its damage or destruction as a result of an accident, from the place where the accident occurred to the place specified by the Insured, if this is provided for by the insurance contract. The insurance contract may provide for both the entire list of services specified in this paragraph, and the services specified in its individual subparagraphs. 21.5. Application of the Insured (a person admitted to driving) in case of damage or destruction of the Vehicle (as a result of the events specified in clause 21.1 of these Rules) to a specialized organization (authorized by the Insurer and specified in the insurance contract) to receive additional services (provided by the insurance contract) related to with settlement of losses: a) legal advice; b) assistance in documenting the insured event directly at the scene; c) photo and video filming of the vehicle, the scene of the accident (if necessary), as well as documents of participants in the accident (with their consent); d) acceptance of an application for an insured event directly at the scene; e) issuing a request for additional information confirming the fact of the occurrence of an insured event from the competent authorities directly at the scene; f) drawing up an inspection report of the damaged vehicle, which can be used for an independent assessment of damage, directly at the scene of the accident; g) issuance of a referral to the service station for the repair of the vehicle (or for safekeeping) directly at the scene of the accident; h) accompanying the Insured (a person admitted to driving) during an independent examination, or receiving a referral for an independent examination (if the Insured (a person admitted to driving) is not guilty of an accident); i) representing the interests of the Insured (a person admitted to driving) in an insurance company that has entered into an OSAGO agreement with a person found guilty of an accident, as a result of which the insured vehicle of the Insured was damaged (including the submission of a set of documents for the payment of insurance compensation to the insurance company that concluded the agreement OSAGO with a person guilty of an accident, as a result of which the insured vehicle of the Insured was damaged); j) receipt of original documents from the relevant competent authorities (traffic police, the Ministry of Internal Affairs, the State Fire Service), confirming the fact of the occurrence of an insured event (if the Insured (a person admitted to driving) is not guilty of an accident); k) appeal against the decisions of the traffic police. The insurance contract may provide for both the entire list of services specified in this paragraph, and the services specified in its individual subparagraphs. IV. Exceptions from insurance coverage 22. Unless otherwise provided by the Insurance Policy, the events specified in clauses. 21.1-21.5 of these Rules that occurred: a) as a result of intentional actions of the Insured, the Beneficiary, a person admitted to driving the insured Vehicle under an insurance contract, passengers of the insured Vehicle, aimed at the occurrence of an insured event, or when the above persons commit or attempt to commit a crime; b) as a result of driving the Vehicle by a person: * not specified in the insurance contract as a person admitted to driving the Vehicle; * who do not have a driver's license for the right to drive a vehicle of the corresponding category; * driving the insured vehicle in the absence of legal grounds (not being the owner of the insured vehicle, or not having a power of attorney for the right to drive the insured vehicle or a waybill, or having no other legal grounds); * who were in a state of any degree of alcoholic, narcotic or toxicological intoxication or under the influence of medications, the use of which is contraindicated when driving a vehicle, including those who consumed alcoholic beverages, narcotic, psychotropic or other intoxicating substances after an accident in which he was involved, and before conducting an examination in order to establish the state of intoxication, or those who refused to undergo an examination; and also, if the driver of the insured vehicle left the scene of the accident, except for the cases provided for in paragraphs. 89 and 90 of these Rules; c) outside the territory of insurance; d) when using the insured vehicle in competitions, trials or for driving lessons, as well as in the case of renting the vehicle; e) when loading, unloading or transporting the insured vehicle by any means of transport (excluding towing the insured vehicle in compliance with all requirements of traffic rules); f) due to the impact of a nuclear explosion, radiation or radioactive contamination; g) due to military actions, maneuvers or other military actions, civil war, confiscation, seizure, requisition, arrest or destruction of the insured vehicle by order of state bodies; h) as a result of the use of open fire sources to warm up the vehicle engine; i) due to a manufacturing defect or a defect made during the restoration repair (the exceptions specified in this subparagraph do not apply to insurance at the risk of "Technical Assistance"); j) as a result of extortion, fraud; k) as a result of a malfunction of the braking system of the insured vehicle, which does not ensure its effective braking and/or immobility, or as a result of the driver not providing conditions under which the vehicle would not be able to move spontaneously; l) due to fire or explosion during loading, unloading or transportation of flammable or explosive substances and objects in an insured vehicle not intended for such purposes; m) after the transfer of the Vehicle for leasing, renting, rental or pledge without a written agreement with the Insurer; n) as a result of a malfunction of electrical equipment, including electrical wiring (the exceptions specified in this subparagraph do not apply to insurance at the risk of "Technical Assistance"); o) as a result of breakdown, failure, failure of parts, components and assemblies of the Vehicle (the exceptions specified in this subparagraph do not apply to insurance at the risk of "Technical Assistance"); p) due to non-return of the insured vehicle to the Policyholder (the Beneficiary), if the insured vehicle was transferred by the Policyholder (the Beneficiary) for hire, rent, leasing, use, etc. ); c) in the period from 00:00 on the date following the date specified in the Insurance Contract as the date of payment of the insurance premium (insurance premium), in the event that the Insured fails to pay the insurance premium (insurance premium) within the time limits stipulated by the Insurance Contract. 23. According to these Rules, unless otherwise provided by the Insurance Policy, the events listed below are not insured: a) damage to tires, rims, decorative caps, unless this is associated with damage to other components or assemblies of the Vehicle (the exceptions specified in this subparagraph are not apply to insurance at risk "Technical assistance"); b) point damage to the paintwork without damaging the part (chips); c) theft of the wheels of the Vehicle and/or decorative caps, if their theft occurred without causing damage to the insured Vehicle itself; d) theft of the insured vehicle together with the registration documents left in it (certificate of registration of the vehicle and/or vehicle passport) and/or ignition keys, except in cases of theft of the vehicle as a result of robbery or robbery; e) theft of the insured vehicle, if the insured vehicle was left with the doors unlocked, windows unlocked, mechanical and electronic anti-theft devices not activated (not switched on); f) theft of the subsidiary or parts of the vehicle that were separate from the insured vehicle at the time of theft; g) theft or damage to vehicle registration plates; h) damage to or theft of the car radio and/or the removable front panel of the car radio, if the removable front panel was left in the insured Vehicle (in this case, the Insurer shall indemnify for damage caused by damage to the body parts and/or windows of the Vehicle, as well as other components or assemblies of the Vehicle as a result of this events); i) theft of the Vehicle in case of violation of the storage regime, if the Insurance Contract is concluded with the condition of storing the Vehicle at night in a guarded parking lot or garage; j) damage to the awning (when insuring trucks, cargo modifications of cars, trailers and semi-trailers); k) damage to the upholstery and internal parts of the interior of the insured vehicle caused by smoking or careless handling of fire in the insured vehicle. 24. According to these Rules, unless otherwise provided by the Agreement, the following shall not be reimbursed: damage caused by the loss of the commodity value of the Vehicle; damage caused by the natural wear and tear of the vehicle and DO due to operation (the exception does not apply to insurance at the risk of "Technical Assistance"); moral injury; lost profit, downtime, loss of income and other indirect and commercial losses, losses and expenses of the Insured and the Beneficiary, such as: fines, hotel accommodation during the settlement of the insured event, travel expenses, telephone calls, losses associated with the timing of delivery of goods and production of services, etc. 25. The events specified in p.p. 21.4-21.5 of these Rules, if the Policyholder applies to eliminate the failure of individual units, systems, components and devices of the Vehicle that impede its movement, or in connection with the need to evacuate the Vehicle and (or) to receive additional services related to the settlement of losses, to an organization not authorized by the Insurer and not specified in the insurance contract (unless otherwise provided by the Insurance contract). V. Procedure for determining the sum insured 26. When insuring a Vehicle, Additional equipment, the sum insured may not exceed their actual (insurable) value as of the date of conclusion of the Insurance Contract. 27. The actual value of the Vehicle (DO) may be determined by the Insurer on the basis of: a) the value in a new condition, established by the official dealers of manufacturers on the date of conclusion of the Insurance Contract, reduced by the depreciation percentage; b) a reference-invoice issued by a trade organization, or a contract of sale (for the initial purchase), customs documents; c) market value as of the date of conclusion of the Insurance Contract. The market value is determined on the basis of data published in specialized publications; d) an assessment of the actual value made by a competent organization (an independent auto expert bureau, etc.). 28. When insuring a subsidiary, the actual cost is determined on the basis of documents (checks, invoices, etc.) confirming the cost of the subsidiary and the cost of its installation. In the absence of pricing documents, the actual cost of the subsidiary is determined by the year of manufacture of the vehicle on which it is installed, taking into account the prescribed depreciation rates. 29. The Insurance Policy may establish: a) Non-aggregate sum insured - the amount of money within which the Insurer undertakes to make an insurance payment for each insured event (regardless of their number) that occurred during the insurance period; b) Aggregate sum insured - the amount of money within which the Insurer undertakes to make an insurance payment for all insured events that occurred during the insurance period. In this case, the Insurer's liability limit is reduced by the amount of the insurance payment made. 30. An insurance contract may be concluded with the condition "Before the first insured event". At the same time, the Insurer undertakes to make an insurance payment for one insured event that occurred during the validity period of the Insurance Contract. The validity of the insurance contract is terminated from the moment of the first insured event. 31. If the Insurance Contract establishes the sum insured below the actual value of the Vehicle at the time of conclusion of the Insurance Contract, then upon the occurrence of an insured event, the Insurer shall make an insurance payment in proportion to the ratio of the sum insured to the actual value, unless otherwise provided by the Insurance Contract. 32. When insuring against the risk "Accident", the sum insured is aggregate and is established by agreement of the Parties. 33. An insurance contract for the risk "Accident" may be concluded on a lump-sum system or on a system of seats. 34. When concluding the Insurance Contract under the lump-sum system, the Contract establishes the total sum insured for all Insured persons. At the same time, the driver and each of the passengers injured in the event of an insured event are considered insured: * in the amount of 40% of the sum insured, if one Insured person was injured; * in the amount of 35% of the sum insured if two Insured persons suffered; * in the amount of 30% of the sum insured if three Insured persons suffered; * in equal shares of the sum insured, if more than three Insured persons have suffered. 35. When concluding the Insurance Contract according to the seat system, the Insurance Contract specifies the sum insured for each insured seat in the Vehicle. The number of insured seats cannot exceed the number of seats in the vehicle in accordance with the standards established by the manufacturer. 36. By agreement of the Parties, the sum insured may be set in rubles or in the ruble equivalent of foreign currency at the official exchange rate of foreign currencies of the Central Bank of the Russian Federation on the date of conclusion of the Insurance Contract. 37. A franchise may be established in the insurance contract. 38. Unless otherwise provided by the contract, in case of insurance against the risks "Technical assistance", "Additional expenses", the sum insured is aggregate. The amount of the sum insured is established by agreement of the Parties, based on the conditions of insurance. VI. The procedure for determining and paying the insurance premium 39. The amount of the insurance premium is calculated by the Insurer based on the sum insured and the individual insurance rate, taking into account the specific conditions of insurance and the degree of insurance risk. 40. The insurance premium may be paid by the Insured in cash or by bank transfer, in a lump sum or in installments. The procedure and terms for payment of the insurance premium (insurance premiums) are established in the Insurance Contract by agreement of the Parties. 41. Unless otherwise provided by the Insurance Contract, the date of payment of the insurance premium shall be the date of: * receipt of the insurance premium (insurance premium) to the settlement account of the Insurer; * payment of the insurance premium (insurance fee) in cash to the Insurer/Insurer's representative. 42. When establishing the sum insured in the ruble equivalent of foreign currency, the payment of the insurance premium (insurance fee) is made in rubles at the official exchange rate of foreign currencies of the Central Bank of the Russian Federation: * on the date of payment to the representative of the Insurer / Insurer in cash; * as of the date of issuing an invoice for payment of the insurance premium (insurance fee) by the Insurer in case of non-cash payment. 43. In case of non-payment by the Insured of the insurance premium (insurance fee) within the time limits stipulated by the Insurance Policy or its payment in an amount less than the amount provided for by the Insurance Policy, the Insurer's obligation to make insurance payment does not apply to insured events that occurred between 00:00 and 00:00 following the date specified in the Insurance Contract as the date of payment of the insurance premium (insurance fee). In this case, the Insurer shall be liable under the Insurance Contract from 00:00 on the date following the date of payment by the Insured of the amount of the debt, but not earlier than the Insured provides the insured Vehicle for its re-examination to the Insurer. The Insurer is again liable under the Insurance Contract after the inspection of the insured Vehicle / Subsidiary with the preparation of the Vehicle Inspection Report signed by the representatives of the Insurer and the Insured, and subject to the payment by the Insured of the entire insurance premium stipulated by the Contract. At the same time, the Insurer is not liable for losses that occurred during the period from the moment of termination of insurance until the moment of its renewal, and the period of insurance established by the Contract is not extended. If the next insurance premium has not been paid by the Insured within 10 days from the date specified in the Insurance Contract as the date of payment of the next insurance premium, then the Insurance Contract shall terminate, subject to a written notification of the Insured by the Insurer, in the manner provided for in clause 54.2. 44. If prior to payment of the next insurance premium, the Insured announced the theft of the Vehicle or the complete destruction of the Vehicle, the Insurer, unless otherwise provided by the Contract, has the right to demand from the Insured to pay the remaining unpaid part of the insurance premium under the insurance contract. If the Policyholder objects to the payment of the specified part of the insurance premium, the Insurer is entitled to set off the corresponding amount when determining the amount of the insurance indemnity payable. If at the same time the Insurance Contract is concluded for a period of more than one year, the Insurer has the right to demand from the Policyholder to pay ahead of schedule the remaining unpaid part of the insurance premium (or offset it) for no more than the current year of insurance. 45. When concluding an Insurance Contract for a period of less than a year, the insurance premium is paid in a lump sum. VII. Insurance contract 46. The insurance contract is concluded in writing on the basis of a written or oral application of the Policyholder. Failure to comply with the written form of the Insurance Contract shall entail its invalidity. The forms of the insurance contract, insurance policy and application for insurance provided for by these Rules are standard. At the same time, the Insurer reserves the right to make changes and additions to them in accordance with the terms of a specific insurance contract and the legislation of the Russian Federation. 47. To conclude the Insurance Contract, the Policyholder shall submit to the Insurer the originals or copies of: a) a passport (identity card for military personnel) or a certificate of registration of a legal entity; b) documents confirming the right to own, use, dispose of the vehicle (registration certificate, title, notarized power of attorney, lease agreement, etc.); c) documents confirming the cost of the Vehicle, as well as the cost of Additional Equipment, if any; d) other documents at the request of the Insurer. The Policyholder is responsible for the accuracy of the data provided by the Policyholder to the Insurer when concluding the Insurance Contract. 48. When concluding the Insurance Contract, the Policyholder, at the request of the Insurer, is obliged to present the Vehicle for inspection. The insurer shall not be liable for damage to the vehicle/document that existed at the time of conclusion of the insurance contract. Vehicles with damage/corrosion are accepted for insurance subject to clause 18.1 of these Rules. 49. The insurance contract comes into force from the moment of its signing by the Parties. The Insurer's obligation to make the insurance payment comes into effect no earlier than from 00:00 on the date following the date of payment of the insurance premium (first insurance premium), unless otherwise provided by the Insurance Policy, in accordance with clause 42 and subject to the provisions of clause 43 of these Rules. 50. The term of insurance is determined in the Insurance Contract by agreement of the Parties. 51. Territory of insurance - the Russian Federation, unless otherwise provided by the Insurance Policy, with the exception of territories of armed conflicts, wars, states of emergency. 52. When concluding an insurance contract, the Policyholder and the Insurer may, by agreement of the Parties, make changes (additions or exceptions) to certain provisions of these Rules. During the period of validity of the Insurance Contract, the Policyholder and the Insurer may agree to make changes. Amendments to the current Insurance Contract shall be made in writing. Amendments to the current Insurance Contract at the initiative of the Insured shall be made on the basis of his written application. 53. The insurance contract terminates: a) upon expiration of the insurance period; b) when the Insurer fulfills its obligations under the Insurance Policy in full, including when making an insurance payment, in accordance with paragraphs. 75 and 77 of these Rules; c) if, after the entry into force of the contract, the possibility of an insured event has disappeared and / or the existence of an insured risk has ceased due to circumstances other than an insured event, in particular, if the vehicle specified in the insurance contract is lost or destroyed for reasons other than an insured event; d) if the next insurance premium was not paid by the Insured within 10 days from the date specified in the insurance contract as the date of payment of the next insurance premium, in the manner provided for in clause 54.2. e) in case of liquidation of the Insured, which is a legal entity; f) in case of liquidation of the Insurer; g) in other cases stipulated by the legislation of the Russian Federation and these Rules. 54. The insurance contract may be terminated early at the request of the Policyholder or the Insurer. 54.1. In case of termination of the insurance contract at the request of the Insured, the latter is obliged to notify the Insurer in writing, attaching the original of the Insurance contract (Insurance policy). The insurance contract shall be deemed terminated from 00:00 on the day specified in the Insured's application, but not earlier than the date of receipt of the application by the Insurer, if the date of termination of the agreement is not specified. 54.2. In case of termination of the Insurance Contract at the request of the Insurer, the latter is obliged to notify the Policyholder in writing. In this case, the insurance contract is terminated from 00:00 on the date specified in the written notice of the Insurer. In this case, the Insurer shall return to the Policyholder a part of the insurance premium for the unexpired term of the insurance contract, minus the costs of doing business. 54.3. In the event of termination of the Insurance Contract on the grounds provided for in paragraphs. 53 "c" and 54.1. of these Rules, a part of the insurance premium in proportion to the unexpired term of the Insurance Contract, less the Insurer's expenses for doing business, is subject to return to the Insured, unless otherwise provided by the Insurance Contract. If under the Vehicle Insurance Contract an insurance payment was made in the amount exceeding 50% of the actually paid insurance premium, the insurance premium is not refunded. In case of termination of the Contract, the validity period of which is more than 10 months, the insurance premium is not refunded, unless otherwise provided by the Insurance Contract. 55. When concluding an insurance contract for a new term (renewal), a system of discounts and surcharges may be applied to the base rate of the insurance premium, depending on the results of the previous insurance period. 56. In the event of a change in the circumstances reported to the Insurer when concluding the insurance contract, the Policyholder shall be obliged to notify the Insurer in writing within one working day if such changes have caused or may cause an increase in the likelihood of an insured event or the amount of possible damage, including including in the case of: * transfer of the vehicle for rent, leasing, pledge, etc., * deregistration or re-registration of the vehicle with the traffic police, * replacement of the body, engine, chassis of the vehicle, * installation of additional equipment on the vehicle, * loss or theft vehicle passports, vehicle registration certificates, keys to the vehicle, remote control of the alarm system installed in the vehicle, registration (license) plates, * significant change in the nature of the storage of the vehicle; * damage to the ignition lock, door locks; absence of body glazing elements (with the exception of headlights, lamps and exterior mirrors of the vehicle); damage or inoperability of anti-theft, security, search devices and systems or termination of subscriber service of satellite search systems. 56.1. Upon receipt of the above notification, the Insurer has the right to demand a change in the terms of insurance or payment of an additional insurance premium in proportion to the increase in risk. At the same time, the Insurer, within 5 working days, sends the Policyholder a draft of the relevant supplementary agreement to the insurance contract and an invoice for payment of an additional insurance premium, which the Policyholder is obliged to pay within 5 banking days after receiving the invoice. 56.2. If the Policyholder objects to changing the terms and conditions of the insurance contract or paying an additional insurance premium, the Insurer has the right to demand termination of the insurance contract from the moment of the change in the degree of risk. At the same time, a part of the insurance premium is returned to the Insured in proportion to the full months of the validity of the insurance contract that have not expired, minus the costs incurred by the Insurer for doing business. 56.3. The Insurer has the right to refuse to pay the insurance indemnity if the Policyholder has not fulfilled the obligation provided for in clause 56 of these Rules, and the event declared by the Policyholder (the Beneficiary), although it has signs of an insured event, occurred after a change in such circumstances. 57. An insurance contract may be declared invalid from the moment of its conclusion in cases provided for by law. If, after the conclusion of the Insurance Policy, it is established that the Policyholder has provided knowingly false information about the circumstances that are essential for determining the likelihood of an insured event or the amount of possible losses from it, the Insurer has the right to demand that the contract be recognized as invalid and the consequences of its invalidity applied, except for the case when the circumstances, which the Policyholder has kept silent about, have already disappeared. Insurance payments under such Insurance Contracts are not made. VIII. Rights and obligations of the Parties 58. The Policyholder has the right: a) to receive information about the Insurer to the extent, on the terms and in the manner prescribed by the legislation of the Russian Federation; b) to receive advice from the Insurer on the terms of these Rules and the terms of the Insurance Contract; c) to receive an insurance payment upon recognition of an event as an insured one, in the amount and in the manner established by the conditions on which the Insurance Contract was concluded; d) early termination of the Insurance Contract on the terms of these Rules; e) to make changes to the list of persons admitted to driving the Vehicle under the Agreement; f) to replace the Beneficiary specified in the contract with another person by notifying the Insurer in writing. The Beneficiary cannot be replaced by another person after he has fulfilled any of the obligations under the Contract or submitted a claim to the Insurer for the payment of insurance indemnity; g) receive a duplicate of the Insurance Contract in case of its loss. 59. The policyholder is obliged: a) to provide the vehicle for inspection in all cases provided for by these Rules; b) when concluding the Insurance Contract, inform the Insurer of all circumstances known to him that are important for assessing the degree of insured risk. Such circumstances are the information specified in clause 56 and the Agreement; c) timely and in full pay the insurance premium (insurance premiums) in the manner prescribed by the Insurance Policy; d) notify the Insurer in writing of all circumstances that may entail a change in the degree of risk, within one working day from the date when the Policyholder became aware of the occurrence of such circumstances; e) not later than one working day from the moment when the Insured became aware of the occurrence of such circumstances, inform the Insurer in writing about the loss, theft or replacement of registration documents for the insured vehicle, keys to the vehicle, registration (license) plates, deregistration of the vehicle or re-registration of the Vehicle with the traffic police, on the replacement of the Vehicle units containing the identification information specified when concluding the Insurance Contract, on the termination of the right to use, possess, dispose of the Vehicle; f) inform the Insurer no later than one business day if the stolen insured vehicle is found and/or returned to the Insured or the location of the insured vehicle previously reported as stolen/hijacked becomes known; g) inform the Insurer not later than one working day if the damage caused is fully or partially compensated by the guilty party; h) if, during the limitation period established by the legislation of the Russian Federation, a circumstance is discovered that, under the law or under the terms of these Rules or the Insurance Policy, completely or partially deprives the Policyholder (the Beneficiary, the Insured Person) of the right to the insurance payment, the Policyholder is obliged to return the received insurance payment to the Insurer in full or partially; i) follow the instructions of the Insurer when performing actions taken in connection with the settlement of losses in an insured event; j) comply with the requirements of regulatory documents and instructions for the operation and maintenance of the insured vehicle; k) bring to the attention of persons admitted to management the requirements of these Rules; l) perform other actions provided for by the Insurance Policy and these Rules; m) when insuring the Vehicle (at the request of the Insurer), equip it with additional factory-made anti-theft devices. 60. The insurer has the right: a) upon the occurrence of an event that has signs of an insurance event, to check its circumstances; b) increase the term for making the insurance payment if, at the initiative of the Policyholder or the Insurer, an additional examination is appointed to determine the amount of loss caused by the occurrence of an insured event; c) increase the term for consideration of documents for making a decision on recognition or non-recognition of an event as an insured event, if: * a criminal case has been initiated on the fact of the declared event; * there was a need to check the submitted documents, send additional requests to the competent authorities; * there was a need to check the proper customs clearance of the vehicle. In this case, the Policyholder, at the request of the Insurer, is obliged to submit to the latter a document confirming the right of the Insurer to send requests to the customs authorities of the Russian Federation on behalf of the Policyholder (or the owner of the Vehicle, if the Policyholder is not the owner), about the proper customs clearance of the Vehicle; d) demand a change in the terms of the Policy or payment of an additional insurance premium in proportion to the increase in risk upon notification by the Policyholder of the circumstances entailing an increase in the degree of risk, and demand termination of the Insurance Policy if the Policyholder objects to changes in its terms or additional payment of the insurance premium; e) refuse the insurance payment if the event is recognized as non-insurable, or on other grounds provided for by these Rules, notifying the Policyholder (the Beneficiary, the Insured Person) in writing and indicating the reasons for the refusal; f) reduce the amount of insurance payment by 50% in case of violation by the Insured of the conditions of clause 63 "d", if this led to an increase in the amount of damage; g) to process personal data (in accordance with the Federal Law "On Personal Data" No. 152-FZ of July 27, 2006) of the Policyholder (the Beneficiary, the Insured Persons) in order to fulfill the insurance contract, provide the Policyholder (the Beneficiary, the Insured Persons) with information about insurance products of the Insurer and about the products (services) of its partners, including through direct contacts with the Policyholder (the Beneficiary, the Insured persons) via means of communication, as well as for other purposes not prohibited by law; h) in writing (telegram with notification) notify the other participant in the accident about the place and time of the inspection of the damaged vehicle. If the said person or his representative fails to appear, the Inspection Report shall be drawn up in his absence. 61. The Insurer is obliged to: a) familiarize the Insured with these Rules and hand them over to the Insured upon conclusion of the Insurance Contract; b) not to disclose information about the Policyholder (the Beneficiary), the Insured persons and their property status, except as otherwise provided by the current legislation of the Russian Federation; c) inform the Insured in writing about the increase in the terms for making the insurance payment or the terms for considering documents in the cases specified in paragraph 60 "b", "c"; d) perform other actions provided for by these Rules and the legislation of the Russian Federation. e) ensure the confidentiality and security of the personal data of the Insured (the Beneficiary, the Insured persons) received from the Insured during their processing (in accordance with the Federal Law "On Personal Data" No. 152-FZ dated July 27, 2006). IX. Relations between the Parties in the event of an insured event 62. In the event of theft of the insured vehicle, the Insured is obliged to: a) immediately, as soon as the Insured (the Beneficiary) or the person admitted to drive becomes aware of the event, report the incident to the bodies of the Ministry of Internal Affairs of the Russian Federation; b) If the Vehicle is equipped with a search and detection system, immediately activate this system and/or report the theft to the organization servicing this system in the manner specified in the contract and/or instructions for operating and/or maintaining this system; c) immediately, by any available means, report the event to the Insurer, indicating: * last name, first name, patronymic of the Insured; * numbers of the Insurance Contract (Insurance Policy); * state registration plate of the vehicle; * possibly complete information about the event, known at the time of the message (date, time and place, circumstances of the event); d) within three working days from the date of notification of the theft of the insured vehicle, submit to the Insurer a written application in the form established by the Insurer on the fact of the occurrence of an insured event with a detailed description of all the circumstances of the incident known to him; e) provide the Insurer with the documents specified in clause 68 of these Rules. The fact of receipt by the Insurer of the application and relevant documents is confirmed by a list of documents certified by the signatures of the Parties; f) before receiving the insurance payment, conclude a written agreement with the Insurer, according to which, if the Vehicle is found after the insurance payment is made, the Insured undertakes to return the amount of insurance payment received to the Insurer or transfer to it the ownership of the Vehicle and all rights to it, free from requirements, prohibitions, restrictions or the rights of another person (including a government agency). 63. In the event of damage or complete loss of the Vehicle, the Policyholder is obliged to: a) immediately, as soon as the Policyholder (the Beneficiary) or the person admitted to drive becomes aware of the event, report the event to the relevant state bodies authorized to investigate the circumstances of the event, and namely: * bodies of the Ministry of Internal Affairs - in case of death or damage to the vehicle as a result of an accident; * Bodies of the State Fire Service - in case of death or damage to the vehicle as a result of a fire; * bodies of the Ministry of Internal Affairs - in case of loss or damage to the vehicle as a result of natural disasters or illegal actions of third parties; b) immediately, but not later than one working day from the moment when it became known about the damage to the insured Vehicle and/or the insured Additional Equipment of the Vehicle, notify the Insurer of this, providing the following data: * surname, name, patronymic of the Insured; * insurance contract number; * state registration mark of the vehicle; * possibly complete information about the circumstances of the occurrence of the insured event, known at the time of notification (date, time and place of the occurrence of the insured event, the alleged causes and nature of damage); c) take available measures to reduce damage and save the vehicle; d) within five working days from the date of the event, about the damage caused to the insured Vehicle and / or Additional Equipment of the Vehicle, unless otherwise provided by the Insurance Policy, submit to the Insurer (or its representative specified in the insurance agreement) a written application in the form established by the Insurer about the fact of the occurrence of an insured event with a detailed statement of all the circumstances of the incident known to him, as well as to provide the Insurer with the opportunity to inspect the insured vehicle in order to investigate the causes and determine the amount of damage; e) provide the Insurer with the documents specified in clause 69 of these Rules. The fact of submission by the Insured of the application and relevant documents is confirmed by a note of receipt by an authorized employee of the Insurer; f) participate in the inspection of the insured vehicle; g) to keep the damaged insured Vehicle in the form in which it turned out after the events that led to its damage, until it is inspected by the Insurer. Changing the nature and extent of damage sustained by the insured vehicle is allowed only if it was dictated by safety considerations and/or saving people. 64. In case of causing harm to life and health, the Insured persons are obliged to immediately contact a medical institution, provide the Insurer with the documents specified in clause 70 of these Rules - for insurance against the risk "Accident". 65. When the Policyholder (a person admitted to drive) applies to a specialized organization to eliminate the failure in the operation of individual units, systems, units and devices of the Vehicle that impede its movement, or in connection with the need to evacuate the Vehicle, the Policyholder or a person admitted to drive the Vehicle are obliged : a) provide the following information by phone specified in the insurance contract: * Full name. (name of organization) of the Policyholder; * insurance contract number; * state registration mark of the vehicle; * make and model of the vehicle; * vehicle body color; * location of the vehicle; * the nature of the failure; * other information specified in the insurance contract; * the need to call a tow truck (in case of damage or death of the vehicle as a result of an accident). b) wait at the specified place for the arrival of a technical assistance team or a tow truck. c) receive from the representative of the organization that provided technical assistance and (or) evacuation of the vehicle a document confirming the fact of its provision (unless otherwise provided by the Agreement). 66. When the Insured (a person admitted to management) applies to a specialized organization to receive services related to the settlement of losses listed in paragraphs. 21.5 "a" - "l" of these Rules, the Insured or a person admitted to driving the vehicle must: a) provide the following information by phone specified in the insurance contract: * Full name. (name of organization) of the Policyholder; * number of the insurance contract (insurance policy); * state registration mark of the vehicle; * make and model of the vehicle; * location of the vehicle; * possibly complete information about the circumstances of the insured event, known at the time of notification; * other information specified in the insurance contract; * the nature of the required assistance (services) and the need to call the appropriate specialists to the scene; b) follow all the recommendations of a representative of a specialized organization. c) at the request of the Insurer or a specialized organization (authorized by the Insurer and specified in the insurance contract), provide a Power of Attorney for the right to represent the interests of the Insured (a person admitted to management). d) receive from a representative of a specialized organization (authorized by the Insurer and specified in the insurance contract) a document confirming the fact of rendering the relevant services, unless the contract provides otherwise. 67. The Insurer is obliged to: a) within five working days after receiving a written application from the Insured about the fact of the occurrence of an insured event, with the participation of the Insured, inspect the damaged vehicle or send an authorized representative of the Insurer to the location of the damaged vehicle, if the damage excludes the possibility of its independent transportation to the place of inspection, and draw up an Inspection Report for the damaged vehicle; b) study the received documents and, if the case is recognized as insured, determine the amount of loss, draw up an insurance certificate and make an insurance payment or send the insured vehicle to a repair organization / car service station (STOA) for repairs within twenty working days from the date of receipt of all documents necessary for making a decision, in accordance with the provisions of these Rules; c) if it becomes necessary to carry out the activities specified in paragraph. 60 "b" and "c", notify the Policyholder (the Beneficiary, the Insured Persons) of the extension of the period for consideration of documents for making a decision on recognizing or not recognizing the event as an insured event; d) in the event of a decision to refuse an insurance payment, within twenty working days from the date of receipt of all the necessary documents for making a decision in accordance with the provisions of these Rules, send the Policyholder (the Beneficiary, the Insured Persons) a reasoned refusal to pay the insurance payment. X. Documents required for insurance payment 68. In the event of an insured event on the risk of "Theft", the following shall be submitted: a) the original of the Insurance Policy; b) originals of registration documents for the insured vehicle (passport of the vehicle, vehicle registration certificate); c) the original document certifying the right to own, use, dispose of the insured vehicle; d) complete sets of key fobs, keys, cards - active and passive activators of all electronic and electro-mechanical anti-theft systems, all keys from mechanical anti-theft devices that the insured vehicle is equipped with; e) a copy of the decision to initiate a criminal case. If any of the above documents and / or things were attached to the materials of the criminal case on the fact of the theft of the vehicle, a document confirming this circumstance is submitted. If any of the above documents and / or things were lost as a result of robbery or robbery of the vehicle, a document confirming this circumstance is submitted. 69. In the event of an insured event at the risk of "Damage", the following shall be submitted: a) the original of the Insurance Contract; b) a copy of the driver's license of the person who was driving the insured vehicle at the time of the insured event; c) original documents from the relevant competent authorities (traffic police, Ministry of Internal Affairs, etc.), confirming the fact of the occurrence of an insured event. The submitted documents must contain information about the place, time and circumstances of the event; the person who drove the insured vehicle (if it was in motion), the persons guilty of causing damage (if any) indicating addresses, passport details and telephone numbers, as well as a list of damage caused to the vehicle; d) when carrying out restoration repairs at a service station with which the Insurer has not concluded a cooperation agreement - the original / copy of the work order indicating the full range of replaced parts and parts, materials and cost of work, as well as original invoices and documents confirming the fact of payment ; e) original invoices for the services of specialized organizations for the evacuation of the vehicle, if such evacuation was carried out. If any of the above documents were attached to the materials of the criminal case on the fact of the death or damage to the Vehicle, the Policyholder shall submit a document confirming this circumstance. 70. In the event of an insured event at the risk of "Accident", the following shall be submitted: a) the original of the Insurance Contract; b) a certificate from law enforcement agencies of the established form; c) a copy of the protocol indicating the injured Insured person; d) a copy of the decision to initiate a criminal case, if any; e) a copy of the sick leave; f) the conclusion of a medical institution indicating the date and nature of the injuries received by the Insured Person, as well as the terms of treatment; g) the conclusion of the Medical and Social Expertise, in case of disability; h) a copy of the death certificate, in the event of the death of the Insured Person (if the cause of death is not indicated in the death certificate, a medical document or its certified copy indicating the cause of death is additionally submitted); i) a copy of the passport (identity card for military personnel) of the Insured person or heir, in the event of the death of the Insured person; j) documents confirming the right to inheritance in case of death of the Insured person. 71. In the event of an insured event at the risk of "Technical Assistance", the following shall be submitted: a) the original of the Insurance Contract; b) a copy of the driver's license of the person who was driving the insured vehicle at the time of the insured event; c) originals of registration documents for the insured vehicle (passport of the vehicle, certificate of registration of the vehicle); d) a document confirming the fact of the provision of the relevant services (unless otherwise provided by the contract). 72. In the event of an insured event for the risk "Additional costs", the following shall be submitted: a) the original of the Insurance Contract; b) a copy of the driver's license of the person who was driving the insured vehicle at the time of the insured event; c) originals of registration documents for the insured vehicle (passport of the vehicle, certificate of registration of the vehicle); d) a document confirming the fact of the provision of the relevant services (unless otherwise provided by the contract). 73. The insurer has the right to reduce the list of documents specified in paragraphs. 68-72 of these Rules, as well as request additional documents from the Insured, if, taking into account the specific circumstances, their absence makes it impossible to establish the fact of the occurrence of an insured event and determine the amount of loss. XI. The procedure for determining the amount of loss and making insurance payments 74. Upon recognition of the fact of an insured event, the Insurer compensates the Insured (the Beneficiary), the Insured Person or his heir for losses by making an insurance payment. The amount of the insurance payment may not exceed the amount of the insurance amount established under the Insurance Policy. 75. For the risk "Theft", the amount of the insurance payment is determined based on the sum insured specified in the Insurance Policy, minus (in the specified sequence): Unless otherwise provided by the Insurance Policy, the Insurer applies the following depreciation rates as a percentage of the sum insured: * 1st year of operation - 20% (1.67% per month for each month); * 2nd and subsequent years of operation - 12% (1% for each month), while an incomplete month of the Insurance Contract is considered as a full one; b) unconditional deductible established by the Insurance Contract; c) previously made payments under the "Damage" risk (in case of aggregate insurance). 76. The insurance payment for the risk "Theft" is made after the conclusion of an agreement between the Insurer and the Policyholder on the relationship of the parties in the event of finding the stolen vehicle. 77. For the "Damage" risk, in the event of total actual loss or constructive loss of the insured vehicle (hereinafter referred to as the total loss of the vehicle), the amount of insurance payment is determined based on the sum insured established in the Insurance Policy, minus in the specified sequence: a) depreciation of the insured vehicle for the period of validity of the Insurance Contract, in accordance with paragraph 75 "a" of these Rules; b) unconditional deductible established by the Insurance Policy; c) previously made payments under the "Damage" risk (in case of aggregate insurance); d) the value of the usable balance of the Vehicle, unless otherwise provided by the Insurance Contract. Regardless of the ratio of the insured amount of the Vehicle to the actual value of the Vehicle established by the Insurance Policy, a single procedure for calculating the value of the usable balance of the Vehicle is applied. 78. In the event of complete loss of the Vehicle, if the Insurance Contract is concluded with the condition of transferring the usable remains of the Vehicle to the Insurer, then: a) before the transfer of the usable remains of the Vehicle to the Insurer (its authorized representative), it must be deregistered by the Policyholder with the traffic police and undergo proper customs clearance . The costs of the Insured (the Beneficiary) for customs clearance and deregistration of the vehicle are not reimbursed; b) upon transfer of suitable balances by the Insured to the Insurer (its authorized representative), an Acceptance and Transfer Certificate is drawn up for compliance with: damage to the vehicle with the declared insured event; completeness and completeness of the vehicle and the insured subsidiary. In case of discrepancies found, the Insurer, when determining the amount of insurance payment, applies the provisions of paragraphs. 84-86. 79. For the "Damage" risk, in the event of damage to the Vehicle, the following are subject to compensation within the sum insured: performance of repair work, and labor costs for the performance of repair work; b) the costs of paying for the services of specialized organizations related to the evacuation of a damaged insured vehicle from the scene of an accident to a parking place or a place of repair, but not more than 3,000 (Three thousand) rubles, unless otherwise provided by the Insurance Policy; c) expenses incurred by the Insured to pay for an independent examination carried out at the initiative of the Insurer. The cost of spare parts is included in the amount of the insurance payment, excluding depreciation, unless otherwise provided by the Insurance Policy. 80. For the "Damage" risk, the amount of insurance payment is determined on the basis of: a) calculation of the cost of restoration repairs, compiled by the Insurer; b) calculation of the cost of restoration repairs, compiled at the initiative of the Insurer, by a competent organization (independent auto expert bureau, forensic examination bureau, etc.); c) invoices from the repair organization/car service station (STOA) for the actual repair of the insured vehicle, to which the Policyholder was sent by the Insurer; d) work order, invoices for actually performed repairs, documents confirming the fact of payment for the repair of the insured vehicle at the service station at the option of the Insured. At the same time, the specific option for determining the amount of damage is determined by the Policyholder and the Insurer in the Insurance Policy. 81. The calculation of the cost of restoration repairs, in accordance with paragraph 80 "a", "b", is determined on the basis of the average prevailing prices for repair work in the region in which the loss is settled. If the cost of restoring repairs is calculated in the ruble equivalent of a foreign currency, the insurance payment is made in rubles at the official foreign exchange rate of the Central Bank of the Russian Federation on the date of the insured event. Payment of bills from the service station for the actual repair of the insured vehicle (in accordance with paragraph 80 "c" is made in the manner prescribed by the relevant agreement between the Insurer and the service station. If the insurance contract provides for an unconditional deductible, the Policyholder pays to the service station an amount equivalent to the amount of the franchise, independently . Payment of bills for the actual repair of the insured vehicle at the service station at the option of the Insured (in accordance with clause 80 "d") is made in the manner prescribed by clause 91 of these Rules. 82. If hidden defects are found during the repair of a damaged insured vehicle, the Policyholder is obliged to suspend repair work until they are eliminated, notify the Insurer of the discovery of hidden defects in order to draw up an addition to the inspection report. According to the results of the addition to the vehicle inspection report, the causes of hidden damages and defects, and their connection with the insured event, are determined. If it is established that the discovered damages have arisen as a result of an insured event, the Insurer determines the amount of loss caused by hidden defects and damages and makes an insurance payment in accordance with the procedure established by these Rules and the Insurance Contract. Failure by the Insured to fulfill the obligations set forth in this clause gives the Insurer the right to refuse the Insured in insurance payment in part of the loss caused by hidden defects and damages. 83. Expenses of the Insured related to his obligation to take reasonable and accessible measures to mitigate possible loss shall be compensated if they were recognized by the Insurer as necessary or were carried out at the direction of the Insurer, even if the measures taken were unsuccessful. 84. When determining the amount of insurance payment, the cost of missing or damaged parts, assemblies, components of the vehicle, as well as the cost of installation, repair, replacement of missing or damaged components, assemblies, parts of the vehicle is not taken into account: * the absence or damage of which is not in a causal relationship with the considered insured event; * recorded during the inspection of the Vehicle at the time of conclusion of the insurance contract, until the Insured presents the complete or repaired Vehicle for re-examination to the Insurer. 85. The amount of damage does not include the cost of: a) maintenance and warranty repair of the vehicle; b) works related to the modernization or re-equipment of the vehicle; c) components and assemblies when they are replaced instead of being repaired due to the lack of spare parts and parts for their restoration in repair organizations. d) work related to the repair of the Vehicle or the replacement of its individual parts, parts and accessories due to their wear and tear (the exceptions specified in this subparagraph do not apply to insurance at the risk of "Technical Assistance"); 86. After restoration (repair) of the Vehicle, the Policyholder is obliged to provide the Vehicle for inspection to the Insurer. In case of failure to present the Vehicle for inspection upon the occurrence of the following insured event: * at the risk of "Damage" (in case of damage to the Vehicle), damage is not compensated for damage to the same parts, assemblies, assemblies of the Vehicle; * for the "Theft" risk and for the "Damage" risk (in case of complete loss of the vehicle), the amount of insurance payment determined in the manner provided for in clauses 75 and 77 is reduced by the amount of insurance payment made by the insurer for an earlier insured event. The procedure set forth in this paragraph does not apply to cases where the repair was carried out at the service station at the direction of the Insurer, in accordance with paragraph 80 "c" of these Rules. 87. If the Insurance Contract is concluded with the condition of paying the insurance premium in installments, the Insurer makes a decision on making the insurance payment subject to the provisions of clause 44 of these Rules. 88. If the Policyholder has received compensation for losses from third parties, the Insurer shall pay the difference between the amount payable under the terms of the Insurance Contract and the amount received from third parties. The Policyholder is obliged to immediately notify the Insurer of the receipt of such compensation from third parties. Written confirmation must be sent to the Insurer by any available means within three working days from the date of receipt of compensation for losses from third parties. 89. In case of damage: * no more than two adjacent (mating) external parts of the vehicle body - one insured event, once a year; * glasses and external lighting devices of the Vehicle (with the exception of side mirrors and/or glass roof), submission of documents from the competent authorities is not required, unless otherwise provided by the Insurance Policy. When indemnifying for damage without submitting documents from the competent authorities, the insurance payment does not include damage caused by hidden defects and damage discovered during the repair process. 90. By agreement of the Parties, the Insurance Policy may provide that the submission of documents from the competent authorities is not mandatory if the amount of damage does not exceed the amount of money established under the Insurance Policy or a percentage of the sum insured. 91. Unless otherwise provided by the insurance contract, the insurance payment, by agreement of the Parties, can be made: -21.5 of these Rules), while the date of the insurance payment is the date of debiting funds from the settlement account of the Insurer; b) cash. Insurance payment for the risks "Technical assistance" and "Additional expenses" can only be made by transferring to the account of an organization authorized by the Insurer to perform the work and/or provide the provisions of paragraphs. 21.4-21.5. services. 92. For the "Accident" risk, the insurance payment is made in case of insurance according to the system of places - within the limits of the sum insured per one place, in case of insurance according to the lump-sum system - within the limit of liability for one Insured person. 93. In case of temporary loss of general ability to work (including a health disorder in a child, an unemployed pensioner, an able-bodied unemployed person), the insurance payment is made at the rate of 0.1% of the sum insured for each day of incapacity for work (continuous treatment), but not more than 50% of limit of liability (sum insured per item) for each Insured Person, unless otherwise provided by the Insurance Policy. 94. In the event of a permanent loss of general ability to work (including a persistent health disorder in a child), an insurance payment is made if the disability is established no later than one year from the date of the insured event. In case of permanent loss of general ability to work (including a persistent health disorder in a child), the insurance payment is made in the amount of: * 50% of the liability limit (sum insured for one place) when establishing the III disability group; * 80% of the limit of liability (sum insured per seat) upon establishment of II group of disability; * limit of liability (sum insured per seat) when establishing disability group I, category "disabled child" for a child. 95. In the event of the death of the Insured person, the insurance payment is made to his heirs at a time, in the amount of the sum insured for one place in case of insurance under the system of places or in the amount of the limit of liability for the Insured person in case of insurance under the lump-sum system. In the event of the death of the Insured person from an accident after the establishment of a disability group, but no later than one year from the date of the insured event, the heir is paid the difference between the liability limit / sum insured for one place and the previously made insurance payment. 96. Upon the occurrence of an insured event on the risk "Technical Assistance", the amount of loss is determined by summing up: * the costs of paying for dispatching services associated with calling a technical assistance team or a tow truck; * Expenses for paying for the departure of a technical assistance team or a tow truck (within the territory specified in the insurance contract); * Expenses for payment for diagnostic and repair work (provided by the insurance contract), ensuring the elimination of failures at the place of their occurrence; * the costs of paying for the evacuation of the Vehicle (including loading and unloading operations) from the place of failure to the place specified by the Insured, within the territory specified in the insurance contract), if it is impossible to eliminate the consequences of the failure due to technical or climatic reasons, or due to the lack of the Insured has the necessary spare parts (if it is provided for by the insurance contract); * Expenses for paying for the evacuation of the vehicle (including loading and unloading operations), within the territory specified in the insurance contract, in case of damage or death as a result of an accident from the place where the accident occurred to the place specified by the Insured (if it is provided for by the insurance contract ). The cost of diagnostic and repair work, ensuring the elimination of failures at the place of their occurrence, is established by agreement between the Insurer and the organization providing the relevant services. The cost of services for the evacuation of the vehicle is established by agreement between the Insurer and a specialized organization providing the relevant services. Expenses for paying for spare parts and expenses for paying for consumables and fuels and lubricants necessary to eliminate failures at the place of their occurrence are not payable by the Insurer (unless otherwise provided by the contract). 97. Upon the occurrence of an insured event under the risk "Additional costs", the amount of loss is determined by summing up: * the costs of paying for dispatching services associated with calling the appropriate specialist to the site of the insured event; * expenses for paying for the departure of the relevant specialist to the place of the insured event, if necessary (within the territory specified in the insurance contract and if it is provided for by the insurance contract); * expenses for payment for services, for the settlement of losses (from those listed in paragraph 21.5. "a" - "l" of these Rules and provided for by the insurance contract), provided by a specialized organization (authorized by the Insurer and specified in the insurance contract). The cost of services for the settlement of losses (listed in paragraph 21.5. "a" - "l" of these Rules) is established by agreement between the Insurer and a specialized organization providing the relevant services. XII. Double insurance 98. At the moment of concluding, as well as during the term of the insurance contract, the Insured is obliged to inform the Insurer in writing about all insurance contracts concluded or being concluded for this vehicle with other insurers, indicating the risks, sums insured, numbers of insurance contracts and their validity periods. At the same time, reference is made in the application for insurance/insurance contract to already concluded insurance contracts. 99. In the event of the conclusion of insurance contracts for the vehicle against the same risks with several insurers for an amount exceeding the total insured value of the vehicle, the insurance payment is made in an amount proportional to the ratio of the sum insured under the contract concluded by him to the total amount under all concluded contracts insurance of said vehicle. XIII. Transfer to the insurer of the right to claim the insured for damages (subrogation) 100. The Insurer, who has made the insurance payment under the insurance contract, shall, within the amount paid, transfer the right of claim that the Insured (the Beneficiary) has against the person responsible for the losses compensated as a result of insurance. 101. The Policyholder (Beneficiary) is obliged to transfer to the Insurer all documents and evidence and inform him of all the information necessary for the Insurer to exercise the right of claim transferred to him. 102. If the Policyholder (the Beneficiary) has waived his right to claim against the person responsible for the losses indemnified by the Insurer, or the exercise of this right has become impossible due to the fault of the Policyholder (the Beneficiary), the Insurer shall be released from the insurance payment in full or in the relevant part and shall have the right to demand a refund insurance payment made. XIV. Procedure for consideration of disputes 103. Disputes arising in the process of fulfilling obligations under an insurance contract are resolved through negotiations. In case of failure to reach an agreement on controversial issues, their decision is submitted to the judicial authorities in the manner prescribed by the current legislation of the Russian Federation. 104. When resolving disputes, the provisions of a specific Insurance Policy shall prevail over the provisions of these Rules. 105. In case of disputes about the causes and amount of damage, each of the parties has the right to demand an examination. The examination is carried out at the expense of the Party that requested it. 20

Rosgosstrakh is an insurance company that appeared on our market back in 1974. Over the years, this company has managed to take one of the leading positions in its field. Representations and offices are now open in almost all cities.

Therefore, many drivers trust Rosgosstrakh when it comes to CASCO.

Each insurance company establishes its own procedure for cooperation with customers. These are the rules for issuing CASCO.

Usually the head of the company is responsible for their compilation. Or lawyers who work in the state. It is simply a written document that sets out the main issues that matter to each side.

Of these, the most common and important are:

1. Intentional damage.
2. Intentional violation of the rules. For example, when the driver introduced himself into alcohol or drug intoxication.
3. When a person who does not have the right to drive a vehicle is behind the wheel. And uninsured.
4. The car was rented out, but the insurance company was not warned.
5. Serious violation of technical and safety rules.
6. The car gets into an accident due to the fact that it was misused.
7. The car was used as cargo.
8. The damage was caused during hostilities or popular uprisings.
9. The cause of the damage is a conflict with state authorities.
10. When applying for insurance, information was provided that does not correspond to reality.

A coincidence with at least one of the points is enough for the company to refuse to pay out the insurance.

Rules #171

The CASCO rule, referred to as No. 171, concerns the settlement of losses. In particular, we are talking about minor damage like broken headlights, broken rear-view windows or antennas.

There are several factors that determine the amount of compensation in this case:

• The type of repair to be done. This is either a service station performed by Rosgosstrakh itself. Or another service chosen by the driver.
• The number of persons who were included in the insurance.
• The city where the contract was originally concluded.
• TC cost.
• Release date information.
• Description of the car by model and brand.

Types of CASCO.

About the rules for CASCO and OSAGO

In both cases, the sum insured is determined based on the following rules:

• Under contract. This means that the sums insured are reduced when compensation is paid.
• "On the first occasion." The company pays only for one insured event. Or the first time with the complete destruction of the vehicle, or its theft.
• For every situation. Then the payouts don't go down.

Using a franchise for insurance

A franchise is one of the tools for saving on insurance contracts. It can be conditional or unconditional.

Conditional assumes that the company may refuse compensation if the amount of damage is less than the deductible. The latter is negotiated between the parties in advance. If the amount exceeds this limit, then compensation is in full.

Unconditional franchise means that the amount of each payment is reduced by a certain amount. Due to this phenomenon, the cost of the contract itself is reduced.

Payment processing and timing

The owner himself chooses how the money is transferred to him. Even when he gives all the documents to the company at the conclusion of the contract.

If the client of the insurance company is guilty, then such a scheme will make it possible to compensate for the damage not only to himself, but also to another participant in the incident. This makes life easier in the event of an accident. Despite the external high cost, it is CASCO that is recommended to be used by most drivers.

The main thing is to remember that CASCO is not a mandatory insurance product. This means that, depending on the organization and the specific program, the timing and procedure for payments may vary.

It is easy to find important information related to this phenomenon in agreements or rules of the insurer. The countdown is always conducted from the moment the client brings all the documents necessary for the consideration of the case.

If the term is not indicated in a particular contract, then they are based on the norms in the Civil Code. The most reasonable period for payments is a month.

The category to which the vehicle belongs does not matter - the purchase of a policy always remains mandatory. CASCO differs from OSAGO in that it includes protection only against damage and theft of the car itself.

Insurance is issued for the complete set with which the vehicle is sold. Everything else can also be insured, but only as additional equipment.

Why issuing a policy in Rosgosstrakh is beneficial

In this company, the allowable period of insurance is 6-12 months. A convenient program for those who use the vehicle seasonally. The contract can be concluded only for the time that is really necessary.

Additional discounts are possible for customers who have already taken out insurance, but have not applied for payments.

The Rosgosstrakh company does not require certificates from the traffic police in case of damage:

1. Lighting device, related to regular. Or body related parts, in the amount of not more than two pieces. This also applies to paintwork.
2. One element of body glazing, except for the roof.

The list of parts for repair without presentation of additional documents varies depending on the value of the car and what type of insurance was issued.

What is CASCO?

Sometimes an unconditional deductible becomes a replacement for coefficients, if the driver has a short experience at the conclusion of the contract.

What programs can clients use?

In total, Rosgosstrakh has three types of insurance. Each of them has its own characteristics, different types of restrictions.

Option A

Insurance can be issued for:

Free legal advice:

• Domestic cars with an age of not more than five years.
• Foreign cars, no more than seven years.

At the same time, the sums insured themselves are not aggregate.

The program has the following features.

1. The owner is issued up to three thousand rubles for evacuation services if necessary.
2. Amortization depreciation is not subject to accounting.
3. Rosgosstrakh determines the company whose experts assess the damage. The owner himself, if necessary, can choose a service that will carry out repairs. Or the company itself can give money for its implementation.
4. Insurance is issued only for the full value of the car.

How to deal with program B

In this case, the program is issued for domestic and foreign cars aged from 3 to 12 years. Again, so-called non-aggregate sums are used.

The rules of the program can be described as follows.

• The owners also receive three thousand rubles in order to evacuate their property.
• The insurance includes the possible replacement of some parts. But the important thing is how worn they are.
• Rosgosstrakh is responsible for conducting an examination of the amount of damage.
• You can sign an agreement for the partial cost of the car. The main thing is that the ratio of insurance to the real cost should be more than a coefficient of 0.5.

Options for option B

This program applies to cars not only domestic, but also foreign. The main thing is that they are 3-12 years old. And in this case, the sum becomes aggregate. There are other important rules as well.

Free legal advice:

1. The owner is not paid the cost of materials and repairs.
2. The price of parts is listed. But what matters is how worn they are.
3. In Rosgosstrakh, they themselves choose the company and specialists who conduct an independent examination.
4. Possibility of drawing up documents for an incomplete amount.

About franchise insurance

This is an opportunity to save on additional costs. The higher the deductible, the lower the CASCO cost. But in this case, the driver simply takes on a large number of risks.

When you include a franchise in CASCO, it is important to have all the necessary amount with you to cover the cost of this program.

Franchise at CASCO.

About customer accessibility

Special features include more than just towing services along with an independent appraisal. But also the so-called "Roadside Assistance".

Why do we need rules number 171

It is this paragraph of the rules that concerns cases related to direct compensation for damage. It also lists the factors on which the amount of compensation directly depends.

Free legal advice:

• What kind of vehicle repairs do you need? The service is chosen by the driver, or employees of Rosgosstrakh are responsible for this.
• How many people are allowed to drive this vehicle?
• In which city was the original treaty concluded?
• What is the cost of the vehicle?
• When was it released to the market?
• Description of brand and model.

The procedure for making payments under CASCO

The following list of actions must be performed by policyholders upon the occurrence of an insured event.

1. Notify the authorities of the Ministry of Internal Affairs about the damage caused by the accident. The insurance company must receive this information no later than three days after the incident.
2. Collect the necessary documents to confirm the amount of damage. It also provides an opportunity for inspection.

The representative of the company arrives at the place, and then determines what kind of compensation the client will receive. The main thing is that the circumstances themselves meet the criteria of insured events.

What influences the price

The cost of insurance of the same type is different for different insurers.

The main thing is to carefully study the additional conditions.

For example, the amount of wear. The service becomes unprofitable if it is equal to 25 percent per annum or more.

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Here are some other factors that can determine the cost.

1. Sometimes insurers take into account what kind of load the car is experiencing. For personal purposes, CASCO is cheaper than for those who are interested in commercial activities.
2. The more people allowed to drive a vehicle, the more expensive the insurance will be. It is better to immediately take into account the possibility of adding an unlimited number of persons to the policy. It's cheaper than adding each separately later.
3. The more accidents and insured events the driver has, the more expensive the contract will be.
4. The cost is higher for those who, by the time of registration, managed to accumulate a small amount of experience.
5. For drivers over 65 and under 21 the price increases.
6. Aggregate amount means that with each insurance premium, the amount decreases. Policies with non-aggregate amounts are usually more expensive.
7. The percentage of insurance is higher for cars with more power and value.
8. But the policy is reduced in price if there is a reliable signaling for protection.
9. Even age with a model and brand can change the figure up or down.
10. Individuals pay less for contracts than legal entities.

How to get a CASCO policy in Rosgosstrakh?

When the damage won't be repaired

In CASCO, Rosgosstrakh does not pay damages if the influence of one of the following conditions has been proven.

• The car was damaged due to military operations.
• The vehicle participates in competitions or tests.
• The state of alcoholic intoxication at the time of driving the vehicle has been proven.
• The driver did not have the relevant documents.
• There was a person behind the wheel, information about which was not in the contract.
• Intentional harm.

The standard term of insurance has already been written above. But every rule has its exceptions.

A special calculator on the official website will help calculate the cost of the contract, at least approximately. You only need to fill in all the fields that are known to the client. The computer will process the data itself and show the answer.

Rosgosstrakh is also beneficial in that new cars are sent for repairs only to dealer, official partner centers.

Free legal advice:

Clients can be sure of the quality of the work performed. And the parts are accurately installed original, corresponding to the characteristics of the car itself.

More information about the rules of CASCO insurance in Rosgosstrakh can be viewed in this video:

Casco insurance rules rgs 171

Rosgosstrakh has long been on the Russian market for car, life, and home liability insurance and occupies a leading position among insurers, not only due to the patriotic name, but also to the highest professionalism of employees and a clear, well-coordinated work of the insurance structure.

The Rosgosstrakh company offers very good conditions when applying for a CASCO policy. Not every insurance company can boast of such advantages. Employees will definitely offer several options to save your money.

Free legal advice:

CASCO car insurance is not cheap, because the risks are very high, and a company that respects itself and its customers is obliged to pay. As practice shows - the end justifies the means:

• If you wish, the employees will divide the payment when buying a policy into several parts. It won't hit your wallet too hard and you will be able to sleep peacefully.
• For a CASCO policy, there is no mandatory condition for parking a car overnight in a guarded paid parking lot.
• To repair glazing, you do not need certificates from the traffic police, which saves you a lot of time.
• The company has a huge selection of service stations, it also saves you time, reduces queues for repairs, you can choose the station that is convenient for you and is within walking distance. You can also pass a vehicle inspection at the station.

Employees of Rosgosstrakh will always help in case of malfunctions in the car:

• The insurance includes the cost of paying for a tow truck from the scene of an accident, to a repair shop or to a parking lot.
• Employees of the company will help with obtaining and collecting certificates from all necessary authorities.
• Without certificates from the traffic police, Rosgosstrakh offers to fix 1-2 external damage to the body once a year without providing any certificates.
• Terms of insurance, from six months to a year at your discretion.

To figure out what CASCO will save you from, you need to know what it is? CASCO - insurance of motor transport as property against theft. That is, if your car is stolen, the insurance company will reimburse its market value at the time of theft.

For these and many other points, you will be able to claim a refund and get a positive response.

Naturally, as in any insurance, CASCO has its own points that are not included in the insurance, and we do not hide them, you need to know this.

Free legal advice:

1. If the documents are not filled out properly or the CASCO policy is a fake.
2. The documents and the application were submitted to the company in violation of the terms of circulation.
3. The information in the policy is incorrect.
4. Compensation for damages was received from the party at fault in the accident.
5. The amount of damage is greater than the value of the car.

1. Driving was carried out in a state of intoxication and it does not matter why it was and to what extent.
2. The car at the time of the accident was driven by a driver without documents and permission to drive this vehicle.
3. It has been proven that deliberate actions and malicious intent of the car owner led to damage to the car or its theft.
4. The car was operated with obvious malfunctions, with which it is forbidden to operate the vehicle according to the rules of the road of the Russian Federation.
5. Operation inappropriately. The car was used for testing or racing, without prior agreement with the insurance company.
6. Wars and hostilities.
7. Use of open fire sources in winter to warm up the engine.
8. Terrorist act.
9. Withdrawal by state authorities or seizure.
10. Factory marriage, as well as marriage when restoring a car.
11. Car fraud.
12. Hardware failure.
13. Theft of removable decorative parts of the interior and exterior of the car.
14. Lack of inspection. Except in the case of theft.
15. Moral damage and other types of damage required from the perpetrator through the court.
16. Theft of additional equipment, if it was not insured separately.
17. Theft of a car without an alarm, closed doors.
18. The consequences and effects of a nuclear explosion, contamination and radiation.

A complete list of items can be asked from consultants when concluding a policy.

Additional services provided by Rosgosstrakh

Additional services, of course, are agreed in advance and separately, what exactly you need to include in the insurance:

• Departure of the emergency commissioner to the place of the accident. He helps to correctly draw up documents in the event of an accident and provides documents and an application to the insurance company.
• A tow truck is a necessary option that all car owners are trying to get.
• Payment for a taxi at the expense of the company, for the insured in the event of an accident, subject to the evacuation of the vehicle.

CASCO Rules No. 171 in Rosgosstrakh state:

1. These rules are the same for all insurance companies and vehicle owners, as they are regulated by the state. They determine the procedure for issuing policies, the conditions for concluding contracts, the performance of the duties of insurance agents and companies, as well as the procedure for terminating the contract. In accordance with the legislation of the Russian Federation, these rules may not contradict or violate the legislation of the Russian Federation.
2. All definitions used in the rules.
3. Rosgosstrakh LLC, OJSC is an insurer that has all the rights and a license to carry out this activity.

Policyholder - an official individual or legal entity that has entered into an insurance contract with an insurer.

Vehicle - according to the law, structures that have the ability to reach speeds when driving more than 50 km / h are recognized as a motor vehicle. which are intended for movement on public roads and are registered or subject to registration with the traffic police of the Russian Federation.

Free legal advice:

Driver - physical or a legal person who has permission (rights) to drive a vehicle.

Road traffic accident is a traffic accident, as a result of which damage was caused to a vehicle, people, animals. It led to death, people and animals were injured, damaged. It led to damage to other vehicles, building structures, cargo.

Conditions for CASCO. What does the driver get by using this program

Taking advantage of the favorable CASCO conditions for the driver, which each driver chooses for himself, with the help of insurers, the driver receives safety, self-confidence and good nights:

• There is no need to worry that your swallow will be stolen, as it is insured and in case of theft, the insurance company will reimburse the cost of the car.
• No need to save money for car repairs in the event of an accident or other situation.
• If the car is taken on credit, then CASCO is simply necessary, because in which case the car will not be, but the loan will remain and will be twice as difficult.
• Depending on the selected conditions, the client in the event of an accident can receive monetary compensation or repair at a service station, if possible.
• It is possible to rent a car for the period of repair of your car. All the conditions and details of the contract and how to save money will be told directly by the insurance agent.

But the most important condition in CASCO is the filing of an application within 1 business day after the occurrence of an insured event.

Anti-crisis CASCO

This is a new program that insurance companies have come up with to attract customers. This service is remarkable in that it insures major risks due to the fault of another driver from 400 thousand rubles, through your fault you can apply once a year up to 50 thousand rubles.

Free legal advice:

This is well suited for experienced drivers with long driving experience and an excellent reputation. But you are insured against theft, total destruction, explosion or fire. You are provided with a free tow truck and extension of borders in case of going abroad. But the main condition will be the repair of the service station of the partners of the insured.

And only 2 calls per year:

A very interesting option, which is significantly different from other programs. For this package of services, there are no changes from the regular CASCO program and only one reservation. Payment of compensation in the amount of 50% of the damage caused.

It is divided into several sub-items: A, B, C. Minimizes the risks for which payments are made. So insurance does not include compensation for theft or theft of a car. In these programs we will talk about accidents due to the fault of 3 persons. In this case, certain cars can be insured. Foreign cars up to 7 years old and domestic cars not older than 5 years.

You can also reduce the cost of a CASCO policy with the help of a franchise. Very interesting and useful chips for many drivers. The main thing to understand is that the higher the deductible, the lower the CASCO, but there you take on big risks. If you include a franchise in CASCO, you must have deferred funds to cover it.

Free legal advice:

After submitting a timely written application, the term of which is one business day, collecting all the necessary certificates, the Rosgosstrakh insurance company assesses the damage caused to you and your car. Payments under the CASCO policy, depending on the conditions, are made within 15 to 21 business days. And if theft occurs, then payments will take up to 90 days.

The terms of the contract spell out all the points that you need to know. For this reason, you should carefully read its terms and conditions before signing. In order to know from what specific cases you are insured and what compensation will be provided to you.

The cost of a CASCO policy depends on many factors. Vehicle age, driving experience. With a clean biography from an accident, the cost is significantly reduced. Well, the above conditions of the programs also play a significant role. The insurance program you choose will provide security within the limits of your policy.

Ask your question and get a free legal consultation right now

Information on the site is published for informational purposes only. The editors of ProstoPozvonite are not responsible for the application of information in texts and videos in practice. Before making a decision, we strongly recommend an online consultation with a lawyer.

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Free legal advice:

Rules for voluntary insurance of vehicles Rosgosstrakh No. 171

Each insurance company has its own rules regarding the conclusion of CASCO contracts. Before choosing a particular product, you should carefully study the terms of the agreement. The main document regulating vehicle insurance is the "Rules for voluntary insurance of vehicles Rosgosstrakh" No. 171 of 2009.

Voluntary insurance of vehicles and special equipment in Rosgosstrakh

The terms of CASCO insurance from Rosgosstrakh are regulated by the Rules for Voluntary Insurance of Vehicles and Special Equipment No. 171. The document consists of 9 paragraphs and 5 annexes.

The paragraphs cover the following issues:

• main provisions;
• terminology used in the document;
• the procedure for passing the technical inspection of the car;
• insurance contract;
• insurance transfers, the degree of responsibility of the organization;
• insurance payments;
• termination of the agreement, reimbursement of the insurance premium;
• rights and obligations of the parties;
• transfer of the right to claim;
• consideration of disputes.

CASCO in Rosgosstrakh

Free legal advice:

The rules of voluntary insurance in Rosgosstrakh allow three options for concluding an agreement:

• full insurance, i.e. the insurance payment fully corresponds to the insurance value of the vehicle. Damage dealt is fully compensated;
• partial proportional insurance, i.e. the sum insured is less than the insured value of the vehicle. The Company indemnifies the damage in proportion to the ratio of the insured amount to the insured value;
• partial non-proportional insurance, i.e. under certain conditions, compensation is fully reimbursed in case of incomplete insurance.

Tariffs for voluntary insurance in Rosgosstrakh

The rules of voluntary insurance in Rosgosstrakh imply:

• transfer of insurance premiums even in a situation where the insured is to blame for the accident;
• if no more than two adjacent body elements, glass or headlights were damaged as a result of an accident, it is not necessary to provide documents from the competent authorities. The exceptions are the side mirrors and the glass sunroof. The rule is valid for one insured event once a year;
• in case of theft or damage (complete or partial destruction of the vehicle), the payment is calculated taking into account depreciation as a percentage of the insurance premium. The company has set the following depreciation rates: 20% for the first year of operation, 12% for the second and subsequent years;
• Point damage to the coating caused by animals and birds is not compensated.

Auto hull

The rules of voluntary auto insurance are described in Appendix No. 1. Here the conditions and procedure for concluding and terminating a CASCO agreement are considered, a list of vehicles that cannot be objects of auto insurance is presented. This list includes:

• sports and racing cars;
• rare, museum cars;
• training machines;
• cars listed as stolen or illegally imported into the country.

Additional mechanisms and devices can only be insured together with the machine.

Free legal advice:

CASCO Calculator Rosgosstrakh

The company insures against theft and damage. A complete list of insurance risks can be found in clauses 3.2.1 and 3.2.2. Paragraph 12 lists the exceptions when compensation is not provided. CASCO auto insurance in Rosgosstrakh is the insurance of a car and additional mechanisms at the same time against the risk of “damage + theft”.

The contract may stipulate individual conditions of auto insurance. When the nature of the risk changes, the terms of cooperation between the client and the company also change: the terms of the contract and the amount of insurance payments are revised.

Separate paragraphs of the Rules cover such issues as the procedure for concluding a contract, drawing up a vehicle inspection report, calculating the sum insured, methods of full and partial insurance, return of insurance premiums, etc.

Particular attention should be paid to the Auto Casco clause, dedicated to the relationship between the insured and the insurer in the event of an insured event, as a result of which the company undertakes to perform certain actions.

Paragraph 11 provides a list of documents required to receive an insurance payment:

Free legal advice:

• insurance contract (original);
• original documents for the car (PTS, registration certificate);
• title document for the car;
• a set of keys, activators of the anti-theft system;
• decision to initiate a criminal case (copy);
• decision to suspend or terminate the investigation (at the request of the company).

Paragraph 13 describes the procedure for determining and paying the sum insured. Particular attention should be paid to this section, since it presents the depreciation rates, the procedure for calculating insurance compensation for different categories of risks, taking into account depreciation.

Services

Annex No. 2 is devoted to the rules for the provision of additional services. The following questions are considered here:

• list of covered risks;
• exceptions;
• the procedure for concluding a contract;
• actions of the parties in the event of an insured event;
• documents for receiving compensation, etc.

Paragraph No. 6 states that the sum insured is determined by agreement between the company and the client.

Comprehensive auto insurance in Rosgosstrakh

Driver and Passenger Insurance

Attachment No. 3 is dedicated to driver and passenger insurance. In accordance with the Rules, the insured risk is understood as an accident, as a result of which damage was caused to passengers and the driver. The insurance of the driver and passengers is carried out only if the vehicle is insured.

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Compensation is not paid in the following cases:

• if claims are made by a person who is not an insured, beneficiary or representative of the listed persons;
• if the agreement is declared invalid;
• if the damage was not actually caused or if it is not documented;
• if the incident does not meet the criteria of an insured event;
• upon payment of compensation by third parties;
• if the company has legal grounds exempting from payment of compensation.

Insurance rates to the rules of voluntary insurance of vehicles and special equipment

The most popular insurance product - "Protection"

In accordance with it, the client can choose one of three types of insurance:

• foreign cars under the age of five years are insured, domestic cars under three years old. The contract can only be concluded for the full value of the vehicle. The cost of spare parts is offset without depreciation. Expenses for the evacuation of the car from the scene of the incident are reimbursed in the amount of up to three thousand rubles;
• cars aged from three to seven years are insured. The tariff allows full or partial insurance. Compensation for parts is paid including depreciation. Evacuation expenses do not exceed three thousand rubles;
• cars aged 3 to 12 years are insured. The sum insured may be full or partial. Parts are compensated for depreciation. Consumables, evacuation and repair costs are not compensated.

The program from Rosgosstrakh is “Elementary CASCO”.

The product is aimed at experienced car enthusiasts who own used cars (from 3 to 12 years old). The rates for this offer are much lower, but only the risk of damage is covered. No more than two insured events are compensated per year. Payment is provided for damage caused by natural disasters and road accidents. The condition for joining the program is a driving experience of at least three years, the age of the driver is over 22 years old.

Product - "Economy"

The program is that the client pays only half of the annual cost. If for the whole year not a single incident happened, the car owner saves the second half of the insurance payment. In the event of an insured event, the company pays the compensation in full, subject to the payment of the remaining 50%.

Voluntary vehicle insurance policy

A CASCO policy is issued for a period of six months to a year. If the insurance is drawn up for a car bought on credit, you can conclude a contract for the entire period of the loan repayment (plus one month). The amount of insurance can be paid in part: 40% when issuing the policy, after three months - 30% and the rest - after another three months (or half at the time of issuing the policy and half after three months).

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With partial payment, tariffs increase by 5-10%. If the insurance is made for a period of less than a year, the entire amount is paid immediately. If the policy is issued for an inexperienced driver, you can save by replacing the multiplying factor with an unconditional deductible of up to three percent of the insurance amount.

CASCO policy Rosgosstrakh

Contract of voluntary insurance of vehicles and special equipment

The auto insurance contract is concluded only in writing. The basis of the conclusion is the oral statement of the client. The date of entry into force of the agreement is the date of its signing. The conditions of insurance under the CASCO policy are valid for incidents that occurred from 00:00 on the date following the date of payment for the policy.

Insurance contract Rosgosstrakh

Changes to the agreement are made by agreement between the client and the organization during the term of the agreement. All adjustments are made in the additional agreement. The term of the contract is from six months to a year (with the exception of cars purchased on credit).

Free legal advice:

Voluntary insurance contract from Rosgosstrakh - video

Rosgosstrakh is one of the largest insurance companies in the Russian Federation. This explains the high popularity among car owners. The organization offers customers several insurance products to choose from, from which you can always choose the option that suits the cost and terms of payment.

• Total: 0

I have been using this type of insurance for a long time. Basically, I'm happy. Once on the road I was hooked. The wing was slightly damaged, but the insurance company paid for everything. But after reading the article, I learned a lot of interesting things. I didn't even know there were so many nuances. In principle, yes, there are a lot of options. First you need to re-read all the points in order to be sure on the road.

The owner himself chooses how the money is transferred to him. Even when he gives all the documents to the company at the conclusion of the contract.

DSAGO - a new type of driver's liability insurance, the nuances of its registration at the link.

There are only two most common options:

1. Cash. Based on costing.
2. Transfer to the STO account or service centers responsible for troubleshooting.

As for the terms of payments, they are indicated individually in the contract. And everyone determines the right time for himself. Usually a 20-day minimum is prescribed. But other options are also possible.

About the terms of the insurance contract

This is the main written document that confirms the existence of a relationship between the parties. It contains all the information that matters.

Which includes:

• The order in which disputes are resolved.
• Description of responsibilities for each party.
• Actions of the driver when an insured event occurs. And a description of the documents required for payment, time limits.
• Rights of each party along with responsibilities.
• The conditions of the insurance itself.
• Vehicle information.
• Data of the insurer and the policyholder, with the addition of contacts for communication.

The cost of the insurance policy

Some offers like Econom and Anti-crisis CASCO are cheaper by 50 and 70 percent.

In order to draw up a contract, you must verbally declare your desire, subsequently a written contract will be drawn up. After the document is drawn up and signed personally by the subject, it comes into force. Your insurance will take effect when you make your first installment, exactly at 00.00 the next day.

But there are cases when the terms of the contract may carry separate conditions, and therefore differ from the generally accepted ones.

If, after the contract is signed, one of the parties wants to make any changes to their agreement, it must be in writing, as an addition to the main contract, and secured with the signature of both parties.

If, after an accident or any other action that is insured, your case was found to be true and necessary to pay, the insurers are obliged to pay the object. The amount of the cash payment must fully correspond to the amount specified in the contract. The terms and method of payment are purely individual and must be specified in the contract that you signed at the very beginning of your cooperation with Rosgosstrakh. Read more about payment terms in our guide.

If you want to supplement or somehow change the contract, an additional document must be created, with the terms of the change and the signatures of both parties.

The terms of CASCO insurance from Rosgosstrakh are regulated by the Rules for Voluntary Insurance of Vehicles and Special Equipment No. 171. The document consists of 9 paragraphs and 5 annexes.

The paragraphs cover the following issues:

• main provisions;
• order car inspection pass;
• insurance contract;
• insurance payments;
• rights and obligations of the parties;
• transfer of the right to claim;
• consideration of disputes.

The rules of voluntary insurance in Rosgosstrakh allow three options for concluding an agreement:

• full insurance

The rules of voluntary insurance in Rosgosstrakh imply:

The product is aimed at experienced car enthusiasts who own used cars (from 3 to 12 years old). The rates for this offer are much lower, but only the risk of damage is covered. No more than two insured events are compensated per year. Payment is provided for damage caused by natural disasters and road accidents. The condition for joining the program is a driving experience of at least three years, the age of the driver is over 22 years old.

Product - "Economy"

The program is that the client pays only half of the annual cost. If for the whole year not a single incident happened, the car owner saves the second half of the insurance payment. In the event of an insured event, the company pays the compensation in full, subject to the payment of the remaining 50%.

The auto insurance contract is concluded only in writing. The basis of the conclusion is the oral statement of the client. The date of entry into force of the agreement is the date of its signing. The conditions of insurance under the CASCO policy are valid for incidents that occurred from 00:00 on the date following the date of payment for the policy.

Rosgosstrakh is one of the largest insurance companies in the Russian Federation. This explains the high popularity among car owners. The organization offers customers several insurance products to choose from, from which you can always choose the option that suits the cost and terms of payment. In our other articles, you can get acquainted with the insurance of the OSAGO car of Rosgosstrakh and the rules of compulsory insurance.

The term of insurance must correspond to a period of 6 months to 1 year. But, as with every rule, there are exceptions. If you draw up a CASCO policy for a car that you took out on credit, you can issue it for the entire duration of the loan, plus one more month after the end of payments.

CASCO in Rosgosstrakh

Additional mechanisms and devices can only be insured together with the machine.

CASCO Calculator Rosgosstrakh

The company insures against theft and damage. A complete list of insurance risks can be found in clauses 3.2.1 and 3.2.2. Paragraph 12 lists the exceptions when compensation is not provided. CASCO auto insurance in Rosgosstrakh is the insurance of a car and additional mechanisms at the same time against the risk of “damage theft”.

Product - "Economy"

Product - "Economy"

Product - "Economy"

CASCO in Rosgosstrakh

Separate paragraphs of the Rules cover such issues as the procedure for concluding a contract, drawing up a vehicle inspection report, calculating the sum insured, methods of full and partial insurance, return of insurance premiums, etc.

Particular attention should be paid to the Auto Casco clause, dedicated to the relationship between the insured and the insurer in the event of an insured event, as a result of which the company undertakes to perform certain actions.

Paragraph 11 provides a list of documents required to receive an insurance payment:

• insurance contract (original);

Paragraph 13 describes the procedure for determining and paying the sum insured. Particular attention should be paid to this section, since it presents the depreciation rates, the procedure for calculating insurance compensation for different categories of risks, taking into account depreciation.

Services

Annex No. 2 is devoted to the rules for the provision of additional services. The following questions are considered here:

• list of covered risks;
• exceptions;
• the procedure for concluding a contract;



Comprehensive auto insurance in Rosgosstrakh

Attachment No. 3 is dedicated to driver and passenger insurance. In accordance with the Rules, the insured risk is understood as an accident, as a result of which damage was caused to passengers and the driver. The insurance of the driver and passengers is carried out only if the vehicle is insured.

Compensation is not paid in the following cases:

Insurance rates to the rules of voluntary insurance of vehicles and special equipment

The most popular insurance product - "Protection"

In accordance with it, the client can choose one of three types of insurance:

• foreign cars under the age of five years are insured, domestic cars under three years old. The contract can only be concluded for the full value of the vehicle. The cost of spare parts is offset without depreciation. Expenses for the evacuation of the car from the scene of the incident are reimbursed in the amount of up to three thousand rubles;
• cars aged from three to seven years are insured. The tariff allows full or partial insurance. Compensation for parts is paid including depreciation. Evacuation expenses do not exceed three thousand rubles;
• cars aged 3 to 12 years are insured. The sum insured may be full or partial. Parts are compensated for depreciation. Consumables, evacuation and repair costs are not compensated.

The program from Rosgosstrakh is “Elementary CASCO”.

The product is aimed at experienced car enthusiasts who own used cars (from 3 to 12 years old). The rates for this offer are much lower, but only the risk of damage is covered. No more than two insured events are compensated per year. Payment is provided for damage caused by natural disasters and road accidents. The condition for joining the program is a driving experience of at least three years, the age of the driver is over 22 years old.

Product - "Economy"

The program is that the client pays only half of the annual cost. If for the whole year not a single incident happened, the car owner saves the second half of the insurance payment. In the event of an insured event, the company pays the compensation in full, subject to the payment of the remaining 50%.

Voluntary vehicle insurance policy

A CASCO policy is issued for a period of six months to a year. If the insurance is drawn up for a car bought on credit, you can conclude a contract for the entire period of the loan repayment (plus one month). The amount of insurance can be paid in part: 40% when issuing the policy, after three months - 30% and the rest - after another three months (or half at the time of issuing the policy and half after three months).

With partial payment, tariffs increase by 5-10%. If the insurance is made for a period of less than a year, the entire amount is paid immediately. If the policy is issued for an inexperienced driver, you can save by replacing the multiplying factor with an unconditional deductible of up to three percent of the insurance amount.



CASCO policy Rosgosstrakh

Contract of voluntary insurance of vehicles and special equipment

The auto insurance contract is concluded only in writing. The basis of the conclusion is the oral statement of the client. The date of entry into force of the agreement is the date of its signing. The conditions of insurance under the CASCO policy are valid for incidents that occurred from 00:00 on the date following the date of payment for the policy.



Insurance contract Rosgosstrakh

Changes to the agreement are made by agreement between the client and the organization during the term of the agreement. All adjustments are made in the additional agreement. The term of the contract is from six months to a year (with the exception of cars purchased on credit).

Voluntary insurance contract from Rosgosstrakh - video

Rosgosstrakh is one of the largest insurance companies in the Russian Federation. This explains the high popularity among car owners. The organization offers customers several insurance products to choose from, from which you can always choose the option that suits the cost and terms of payment.

Product - "Economy"

CASCO in Rosgosstrakh

• sports and racing cars;
• rare, museum cars;
• training machines;
• cars listed as stolen or illegally imported into the country.

• insurance contract (original);
• original documents for the car (PTS, registration certificate);
• title document for the car;
• a set of keys, activators of the anti-theft system;
• decision to initiate a criminal case (copy);
• decision to suspend or terminate the investigation (at the request of the company).

Paragraph 13 describes the procedure for determining and paying the sum insured. Particular attention should be paid to this section, since it presents the depreciation rates, the procedure for calculating insurance compensation for different categories of risks, taking into account depreciation.

Product - "Economy"

6.1. Insurance rate - the rate of insurance premium per unit of the sum insured, taking into account the object of insurance and the nature of the insured risk, as well as the availability and amount of the deductible in accordance with the terms of insurance. The insurance rate is set as a percentage or in rubles from 100 rubles of the sum insured.

6.2. The specific amount of the insurance rate is established in the insurance contract, based on the volume of obligations under the agreed terms of insurance, the term of insurance, the procedure for paying the insurance premium, the type of insurance object and other factors affecting the degree of insurance risk.

6.3. The insurance premium is understood as the payment for insurance, which the Policyholder is obliged to pay to the Insurer in the manner and within the time limits established by the insurance contract. The insurance premium is calculated by the Insurer for the entire period of insurance, based on the sum insured under the insurance contract and the amount of the insurance rate.

6.4. The insurance premium under the insurance contract must be paid by the Insured at a time for the entire period of insurance or in installments in the form of two insurance premiums in the following order: the initial insurance premium in the amount of at least 50% of the insurance premium must be paid upon conclusion of the insurance contract, the second insurance premium must be paid within three months from the date of payment of the first insurance premium.

6.5. The insurance contract may provide for a different procedure for paying the insurance premium.

6.6. Under insurance contracts concluded for a period of less than one year, the insurance premium must be paid at a time, unless otherwise provided by the insurance contract. In this case, an incomplete month is paid as a full month.

6.7. The insurance premium may be paid by the Insured in cash, to an authorized representative of the Insurer upon receipt of a receipt of payment in the established form or by bank transfer to the Insurer's current account. The date of payment of the insurance premium (insurance premium) is the day of payment of the insurance premium (insurance premium) to the authorized representative of the Insurer or the day of receipt of the insurance premium or the first insurance premium to the settlement account of the Insurer (in case of non-cash payment).

6.8. Within the framework of these Rules, the Policyholder and the Insurer agree and acknowledge that non-payment by the Policyholder of the insurance premium (insurance fee) under the insurance contract that has entered into force within the time limits or amount provided for by the insurance contract is unconditionally an expression of the will (will) of the Policyholder / Beneficiary to unilaterally cancel the insurance contract ( termination of the insurance contract) from 00:00 on the date following the date specified in the insurance contract as the date of payment of the insurance premium (corresponding insurance premium).

At the same time, in the event of such refusal of the Insured / Beneficiary from the insurance contract due to non-payment of the insurance premium (insurance fee) within the period provided for by the insurance contract that has entered into force or its payment in an amount less than the amount provided for in the insurance contract, the Insurer notifies the Insured about the consent to early termination at the initiative of the Insured (the Beneficiary) of the insurance contract from 00:00 on the date following the date specified in the insurance contract as the deadline for paying the insurance premium (corresponding insurance premium), by sending a written notice to the Policyholder of the termination of the insurance contract.

Advantages

CASCO in Rosgosstrakh has a number of advantages, here are just a few of them:

Rosgosstrakh provides different types of insurance, all of them are divided into three types (A, B, C), and each of them has its own characteristics and prohibitions.

Services

CASCO rules in Rosgosstrakh in 2014 provide an opportunity to use an additional set of services provided by the company:

Among the advantages, one can also single out the fact that the company does not establish mandatory requirements for car storage, i.e. there is no need for the vehicle to be in a guarded parking lot at night. When an insured event occurs, this parameter is not taken into account and does not affect the decision of the company.

Annex No. 2 is devoted to the rules for the provision of additional services. The following questions are considered here:

• list of covered risks;
• exceptions;
• the procedure for concluding a contract;
• actions of the parties in the event of an insured event;
• documents for receiving compensation, etc.

Paragraph No. 6 states that the sum insured is determined by agreement between the company and the client.

Additional CASCO services Rosgosstrakh in 2014

Options

Can be insured:

• foreign cars are accepted, which are not more than seven years old;
• domestic cars, only if their age does not exceed five years;

• you can only insure the car for the full cost;
• the company that assesses the damage is determined by Rosgosstrakh, if repairs are necessary, you can choose a service station from the list or find it yourself, in the latter case, the company will simply provide you with money;
• depreciation is not taken into account;

Can be insured:

• foreign cars, which are from 3 to 12 years old;
• domestic cars of the same age;
• the sum insured is non-aggregate;

• it is possible to insure for an incomplete amount, and the ratio of insurance to the real value must be greater than 0.5;
• examination by the amount of damage is determined by Rosgosstrakh;
• the cost of parts is included in the insurance, but the amount of wear also plays an important role;
• in order to evacuate a vehicle from the scene of an accident or repair, the owner is provided with up to 3,000 rubles.

Can be insured:

• foreign cars from 3 to 12 years;
• domestic cars aged 3 to 12;
• the sum insured is aggregate;

• it is possible to insure for an incomplete amount, and the ratio of insurance to the real value must be greater than 0.5;
• in order to determine the amount of damage caused and the amount of repairs, Rosgosstrakh provides its company for conducting examinations;
• the cost of parts is paid, but the amount of wear plays a big role;
• materials and repairs are not paid to its owner.

Special

In addition to the fact that Rosgosstrakh provides assistance in assessing damage and repairing a car, it also has a special function, which is also called Roadside Assistance. This means that the company will help you right at the scene of the accident, as soon as you report that you have had an accident, a special commissioner will be sent to you to help you collect certificates and provide all the necessary information.

They can also help you deliver the car for repair using a tow truck and provide service assistance right at the scene of the accident.

It is worth paying attention to the fact that this program does not require you to participate in any other insurance or, in general, to be a client of Rosgosstrakh. Therefore, you can buy this program both for yourself and as a gift for your spouse, children, friends or other relatives.

Driver and Passenger Insurance

Attachment No. 3 is dedicated to driver and passenger insurance. In accordance with the Rules, the insured risk is understood as an accident, as a result of which damage was caused to passengers and the driver. The insurance of the driver and passengers is carried out only if the vehicle is insured.

Compensation is not paid in the following cases:

• if claims are made by a person who is not an insured, beneficiary or representative of the listed persons;
• if the agreement is declared invalid;
• if the damage was not actually caused or if it is not documented;
• if the incident does not meet the criteria of an insured event;
• upon payment of compensation by third parties;
• if the company has legal grounds exempting from payment of compensation.

In what cases the damage is not compensated

It is worth knowing in advance about the situations in which it is impossible to receive compensation at the expense of CASCO.

7 rules for filling out an auto insurance policy, read here.

Of these, the most common and important are:

1. Intentional damage.
2. Intentional violation of the rules. For example, when the driver introduced himself into alcohol or drug intoxication.
3. When a person who does not have the right to drive a vehicle is behind the wheel. And uninsured.
4. The car was rented out, but the insurance company was not warned.
5. Serious violation of technical and safety rules.
6. The car gets into an accident due to the fact that it was misused.
7. The car was used as cargo.
8. The damage was caused during hostilities or popular uprisings.
9. The cause of the damage is a conflict with state authorities.
10. When applying for insurance, information was provided that does not correspond to reality.

Rules #171

The CASCO rule, referred to as No. 171, concerns the settlement of losses. In particular, we are talking about minor damage like broken headlights, broken rear-view windows or antennas.

There are several factors that determine the amount of compensation in this case:

• The type of repair to be done. This is either a service station performed by Rosgosstrakh itself. Or another service chosen by the driver.
• The number of persons who were included in the insurance.
• The city where the contract was originally concluded.
• TC cost.
• Release date information.
• Description of the car by model and brand.

About the rules for CASCO and OSAGO

In both cases, the sum insured is determined based on the following rules:

• Under contract. This means that the sums insured are reduced when compensation is paid.
• "On the first occasion." The company pays only for one insured event. Or the first time with the complete destruction of the vehicle, or its theft.
• For every situation. Then the payouts don't go down.

They impose additional insurance, what should I do? Read the link.

In addition, several methods for insurance compensation are being introduced. Usually the method depends on whether the wear of parts is taken into account in payments or not.

Separate rules are introduced to determine wear itself. In the first year it is usually up to 20 percent, and in all subsequent years - up to ten. Depreciation is calculated throughout each day.

As for the payments themselves, they are made for any type of insurance within a maximum of 15 days after the incident or after receiving a message about it. The main thing is to submit all the necessary documentation on time.

The same rule applies to the theft situation.

At the same time, payments involve taking into account the costs associated with:

1. Restoration of damage after being in the parking lot.
2. Vehicle evacuation.

This applies to both CASCO and OSAGO.

There are a number of actions that are not paid by CASCO Rosgosstrakh:

Franchise Insurance

A franchise is rather another way to save money. So, with it, the driver or the person who insures his property has the right to pay part of the repair in the event of an accident. It is on this part that the insurance payment can be reduced.

But such a moment should only be used if you are completely confident in your driving skills. Indeed, on the one hand, this will help you save on insurance, but on the other hand, you can really get into an accident, and then you will have to pay for most of the repairs. For this case, you need to remember one saying - the miser pays twice.

An excellent replacement for the usual franchise is its dynamic version. In this case, the first repair of the car, in the event of an accident, will be fully paid by the insurance company. But if the situation repeats, you will have to pay for the repair at the previously agreed amount.

CASCO rules in Rosgosstrakh No. 171 provide for the procedure for considering insured events, calculating the cost of the policy, the process of settling losses, and much more.

Depending on the specific parameters, the price of the service increases or decreases due to the application of a correction factor. The price depends on a number of factors:

• vehicle parameters;
• driver information;
• region of operation;
• car cost;

It also significantly affects the cost of a franchise. The client has the right to pay part of the damage on his own in the specified amount, by which the price of insurance will be reduced. This option is recommended for experienced drivers who have not been in emergency situations for a long time. This will allow them to significantly save on insurance. In addition, there is a dynamic deductible, in which the company will reimburse the full damage in the first case, and the subsequent ones will be shared with the client, in the amount set by him.

A CASCO policy is issued for a period of six months to a year. If the insurance is drawn up for a car bought on credit, you can conclude a contract for the entire period of the loan repayment (plus one month). The amount of insurance can be paid in part: 40% when issuing the policy, after three months - 30% and the rest - after another three months (or half at the time of issuing the policy and half after three months).

CASCO rules in Rosgosstrakh No. 171: determining the cost of the policy

For accurate calculations, the amount that CASCO will cost you can be easily calculated on an online calculator, for this you will need the following data:

• make and model of the car;
• the year of its release;
• engine capacity;
• the number of persons who can drive this vehicle;

Read a detailed guide to calculating CASCO in Rosgosstrakh.

The calculator may also ask for some additional information about your insurance in order to accurately calculate its amount. After you fill in all the fields, the computer will process your data and provide you with a result with the cost of your CASCO insurance.