Calculate motor insurance for a car online. Everything you need to know about comprehensive insurance for special equipment, minibuses, buses and other commercial vehicles. What is a pre-insurance examination and how to prepare for it

The operation of special equipment, trucks and buses has its own specifics, which is reflected in the procedure for insurance and loss settlement. At the same time, CASCO conditions for such transport are most often agreed upon individually. What do you need to know in order to buy a policy profitably?

Trucks

It's hard to imagine anyone keeping a truck solely for personal use. Therefore, when applying for a CASCO policy for such transport, it is implied that it will be used for commercial purposes. In other words, the insurance company is not interested in how exactly the car will be used, unless the rules of its operation are violated.

At the same time, the price of insurance for private car owners and enterprises is somewhat different.

However, this is dictated solely by the ability to limit the list of drivers when it comes to an individual’s truck. Otherwise, the procedure for determining tariffs for organizations and private individuals does not differ.

As a rule, a CASCO policy for a truck costs approximately three to five percent of the actual cost of transport. However, insurance companies usually divide trucks into two categories:

• domestic production;
• imported production.

The final tariff for foreign brands is slightly lower than for domestic cars. The service life of the vehicle is also of great importance: each year the truck is used increases the tariff rate.

Sometimes insurance companies are ready to issue a policy even for heavily used vehicles. In some cases, you can insure a truck older than five to seven years. Typically, insurers prefer to deal with such cars only in cases where they are purchased on credit or lease.

Buses and minibuses

The main purpose of buses is the commercial transportation of passengers. Moreover, the risk of damage to such vehicles directly depends on the conditions of its operation. Most often, buses and minibuses are used for the following activities:

1. Transportation of employees of any enterprise.
2. Regular intracity and intercity transportation.
3. Catering for private events (eg weddings).

Typically, insurance companies require you to indicate the purpose of the bus on your insurance application. Accordingly, the use of transport for other purposes is not permitted. In other words, if you plan to transport passengers along one of the city routes, you should definitely notify the insurer about this. Otherwise, payment may be subsequently denied.

The final tariff for bus insurance largely depends on its intended purpose. At the same time, the cost of the policy is also affected by the life of the vehicle.

On average, insurance companies charge about four to five percent of its market price for a CASCO policy for such vehicles, but the tariff can be nine to ten percent if the bus is used for route passenger transportation.

Special equipment

The category of special-purpose equipment includes all types of cranes, concrete mixers and lifts on automobile platforms. This also includes various municipal equipment, including tractors, snowblowers and garbage trucks. Also special equipment includes mobile mechanisms of the following categories:

1. Road and construction equipment (loaders, excavators, rollers, etc.).
2. Industrial equipment (drilling rigs, stone cutters, etc.).
3. Agricultural machinery (seeders, combines, etc.).

Due to their design features, all of the mentioned types of special equipment are slightly at risk of damage as a result of a road accident.

However, such a possibility still exists, because an incident may occur due to the fault of an outsider. For example, an absent-minded motorist may crash into a stationary road roller.

Otherwise, there is a risk of theft of special equipment. Such devices have long been the target of attackers due to their significant market value and relative ease of theft. Therefore, the owner of special equipment should purchase a CASCO policy on an “all risks” basis.

The price of insurance is determined strictly individually, but always taking into account the actual condition of the equipment and its service life.

In this case, the insurance rate usually does not exceed five percent of the actual price of special equipment, and in some cases it can be no more than one percent.

Owners of road construction and other equipment should pay attention to an extremely important detail. Often the range of such vehicles is strictly limited, for example in the case of excavators and road rollers. Accordingly, such equipment is delivered to the work site on special automobile and railway platforms.

Most insurers indicate in CASCO rules that damage to the insured object during transportation is not an insured event. Therefore, it is necessary to separately discuss this point with representatives of the insurance company.

If the insurer agrees to make concessions, a corresponding condition should be included in the CASCO agreement. Otherwise, when an insured event occurs, managers may violate the oral agreement.

How to reduce the tariff?

Usually, when applying for a CASCO policy for a truck, bus or special equipment, insurance of several vehicles is assumed. In this case, you can count on a significant discount. True, maximum savings are possible only with one-time insurance of several dozen vehicles. If we are talking about insuring two or three vehicles, the insurer will reduce the rate by a maximum of five to ten percent.

Moreover, in some cases, a discount for fleet insurance may result in a sharp increase in the cost of insurance upon renewal. Often, when loss is increased, the insurer increases the tariff for the entire fleet, even if it paid for the repair of only one vehicle.

Today, there are more than 200 insurance companies represented on the Russian market, and almost each of them offers their clients several CASCO programs, the cost of insurance for which even for the same car differs significantly. Many drivers planning to insure a car under the CASCO program are wondering whether it is possible to independently calculate the estimated price of the policy in order to estimate how much the cost of CASCO insurance will cost them.

Theoretically, it is impossible to calculate the cost of CASCO on your own only for the reason that each insurance company determines the individual price of the policy, which, in turn, is established in the contract. However, there are a number of general criteria that directly affect the cost of insurance and allow you to calculate its approximate range. In this article we will describe the main factors influencing the calculation of the CASCO insurance premium.

Factors influencing the cost of CASCO

Factors influencing the cost of a CASCO policy can be divided into two conditional groups:

1. Basic - are universal for all insurance companies.
2. Additional - may vary depending on the specifics of the insurance product offered by the insurance company and the risks covered by the program.

Let's look at each criteria in more detail.

Main criteria affecting cost

Insured value of the car

This criterion does not imply the price specified in the car purchase and sale agreement, but the market value of the car determined by the insurance company on the date of conclusion of the CASCO agreement. The calculation of the insured value of a car includes such factors as: make, model, year of manufacture, technical characteristics, mileage and the current market value of the car.

Vehicle theftability

The theftability of a car strongly correlates with the market value of the car - the more expensive and prestigious the car, the higher the likelihood of such a car being stolen. That is why insurance companies provide additional coefficients depending on the theft rate of the vehicle. For example, for car models with a high theft rate, the cost of CASCO insurance can increase from 15 to 20%.

Number of persons allowed to drive a car, their age and experience

According to statistics from the Ministry of Internal Affairs on road accidents, the majority of accidents occur among drivers under 21 and over 65 years of age. Accordingly, if a person allowed to drive a car falls under one of these age categories, the cost of CASCO increases by approximately 20-30%. However, such a high surcharge can be avoided by including a second driver from an age category outside the increased risk into the insurance policy. The situation is similar with experience: the more experience the driver has, the lower the markup.

Geographic location of the vehicle

When calculating the cost of CASCO insurance, insurance companies take into account special territorial accident rates, calculated on the basis of accident statistics in a particular city. For example, in Moscow the accident rate is 2.0, but in the Moscow region it is 1.7. Thus, the cost of CASCO for residents of the Moscow region will be slightly cheaper than for residents of the capital. As in the previous paragraph, you can reduce the territorial accident rate by including a second driver with suitable registration in your insurance policy, or by taking out a policy in a region with a lower accident rate.

Additional criteria affecting cost

Additional criteria affecting the price of a CASCO policy include:

Method of reimbursement of insurance payments

In the event of an accident, the insurance company is obliged to compensate, to one degree or another, the cost of repairing the car, which, as a rule, is carried out at the official service center of the vehicle manufacturer. However, such a scheme is very unprofitable for both the car owner and the insurance company, due to the high prices of official representatives.

To save on repairs, many insurance companies allow the possibility of restoring a car in unofficial services. If you agree to a policy with this condition, you can save from 20 to 40% of the base rate. However, repairs in unofficial service stations have one significant drawback - a lack of confidence in the proper quality of service.

Note! CASCO insurance with the condition of repairs at unofficial service stations is categorically not suitable for cars taken on credit or under 3 years old, as this may cause the loss of their warranties!

Availability of a franchise

Franchise is the portion of insurance payments that the car owner voluntarily renounces upon the occurrence of an insured event. The larger the amount (it can be expressed either as a specific number or as a percentage) of the franchise, the lower the cost of CASCO.

There are two types of CASCO franchise:

• conditional deductible – provides insurance compensation if the amount of losses after an accident exceeds the deductible amount;
• unconditional deductible – provides for the deduction of a certain amount from insurance compensation, regardless of losses after an accident.

Note! A deductible is advisable only if minor damages occur frequently, since they will not affect the history of insurance payments, and in the future, when concluding a new policy, they will not cause an increase in its cost.

History of insurance payments

The history of previous insurance payments plays an important role, and not only CASCO, but also MTPL is taken into account. If in the past the driver often got into accidents, the cost of CASCO may be overestimated, and an accident-free driving, on the contrary, will cause a significant discount from the insurance company.

The presence of an alarm system and other anti-theft systems in the car

Anti-theft systems significantly reduce the risk of car theft and, accordingly, have a positive impact on the cost of CASCO insurance. However, not all insurance companies include this clause in the contract.

Reliable car maintenance conditions significantly reduce the risk of theft, which, in turn, affects the cost of the policy. Therefore, it is not recommended to leave the car in the yard, but to park it in paid parking lots or in a garage.

Basic calculation formula

Each insurance company determines an individual formula for calculating CASCO, therefore, as previously said, the final cost is different for everyone. The most common, and at the same time simple, formula is:

CASCO cost = (basic tariff × wear and tear coefficient and year of manufacture of the car × factor of age and experience of the driver × franchise coefficient × installment coefficient) + (tariff taking into account theft × wear and tear coefficient and year of manufacture of the car × safety systems coefficient × installment coefficient).

Example of calculating the cost of CASCO

The table below shows an example of calculating CASCO insurance in one of the large insurance companies in Moscow:

However, modern conditions make it possible to calculate the cost of CASCO insurance automatically, using special calculator services. Such services, as a rule, are available on almost all websites of insurance companies, have an intuitive interface and, in some cases, are expanded with additional functionality.

CASCO as a type of voluntary car insurance is currently changing most dynamically. In the context of rising car prices and a simultaneous decrease in the purchasing power of the population, insurers have to develop non-standard offers.

How much does CASCO cost and what does the price of the policy depend on?

In general, the CASCO tariff for the year is 4-12% of the market value of the car.

The cost of the policy is affected by:

• a set of risks included by the policyholder in the insurance contract;
• driver age (up to 21 years and after 65 years - an increasing factor is applied);
• year of manufacture of the car (the older, the more expensive the insurance);
• driver experience (extensive experience reduces the cost of insurance);
• make, model, class of car (in the calculation of damage insurance, the average cost of repairs is taken into account; for brands that are often stolen according to statistics, insurance is higher);
• equipping with a technologically advanced anti-theft system reduces the cost of “risk of theft” insurance;
• deductible is the share approved by the policyholder that is not compensated as a result of damage. The deductible is higher - the price of the policy is lower;
• additional services also increase the cost (evacuation, etc.);
• the policy is more expensive if the car is purchased on credit;
• The more drivers included in the insurance, the more expensive it is.

CASCO for used cars

Sometimes the cost of a CASCO policy for a used car is 2 times higher than for a new one of the same brand.

To buy a used car, it is more logical to take out a regular consumer loan, albeit with higher rates, than to take out a car loan with an encumbrance in the form of mandatory CASCO.

For the bank, the car itself serves as a guarantee of return. If the borrower refuses to pay the loan, the bank repays its expenses with funds received from the sale of the collateral, i.e. car.

A new car can be sold quickly and at a high price. That is, it is a low credit risk, and the interest rate on it is low (12-15%/year). CASCO here is a tool for restoration or full reimbursement if the car is suddenly damaged.

Cars older than 7-8 years are reluctantly insured under CASCO insurance and at higher rates, as the risks of non-refund of funds increase.

Features of different types of car insurance

There are four main types of Russian car insurance.

1. Compulsory insurance of civil liability of vehicle owners ( OSAGO).

The point is to insure the driver's liability against damage that he may cause to another road user or property.

• Without a compulsory motor liability insurance policy, operating a vehicle is prohibited (clause 2, article 19 of Federal Law No. 196 “On Road Safety”).
• You can purchase a policy only if you have a valid diagnostic card with the results of the vehicle’s technical inspection.
• Tariffs for this type of insurance are established by the state (Resolution of the Government of the Russian Federation of December 8, 2005 N 739, as amended and supplemented).
• Compensation under compulsory motor liability insurance is paid to the innocent party. In case of significant damage, it cannot always compensate for it completely, since the maximum amount of insurance coverage is up to 500,000 rubles.

2. The liability limit under compulsory motor third party liability insurance is increased by concluding a voluntary motor third party liability insurance agreement - DSAGO.

• This type of insurance is only possible with a valid MTPL policy.
• Tariffs are set by the insurance company.

3. International version of OSAGO - "Green Card".

• It is required to be issued when traveling abroad.
• Insures the risk of civil liability of the driver for obligations that may arise as a result of causing harm while driving a car on the territory of a foreign state (Article 31 of the Federal Law of April 25, 2002 N 40-FZ (as amended on November 28, 2015) “On compulsory civil liability insurance of vehicle owners funds ").
• The insurer must be a member of the Russian Insurance Bureau (a structure that is part of the Russian Union of Auto Insurers). A complete list of bureau members is on the RSA website.
• The insurance coverage limit is quite high.

4. CASCO— a voluntary type of car insurance against any damage and/or theft.

• The list of insured events is specified in the insurance contract. A wider list means a larger payment.
• Tariffs are set by the insurance company itself, based on an analysis of accident statistics and prices for spare parts and repairs.
• Compensation is provided based on a certificate of completion of work at the service station or by cash payment.

Full and partial CASCO

CASCO insurance, depending on the package of services and the list of insured events, can be very different. All conditions are strictly regulated by the insurance contract. But most often they distinguish:

1. Incomplete CASCO: damage insurance. Wherein

• the maximum amount of insurance payment is significantly limited;
• The validity of the policy is most often limited to the occurrence of the first insured event;
• Car collision is a mandatory condition for payment. In the event of damage resulting from a collision with a pole or other foreign object, the event will be considered non-insurable.

2. Complete. Insurance against damage and theft. Peculiarities:

• the price depends on the driver’s experience and the region of operation of the car;
• For regular customers, traffic accident statistics for previous years are taken into account;
• extended list of risks;
• a set of additional options: emergency commissioner, free tow truck, collection of certificates from competent authorities, medical assistance in case of an accident, legal and technical assistance;
• A separate deductible is possible for each type of insurance event.

You can get a CASCO policy for your car at an affordable price on our website. You don’t need to waste your personal time traveling to the office; everything can be done from your computer or smartphone. At your request, when applying for CASCO insurance, we can activate additional options in the policy, as well as provide the driver with electronic compulsory motor liability insurance.

In order to buy CASCO insurance in Moscow at a low price, you need to use the consulting assistance of our specialist. We will offer various insurance packages included in the policy with a set of services for compensation of auto damage. By purchasing a CASCO and MTPL policy from our company, you receive a number of significant advantages. This is a simple system for obtaining insurance, timely response to an insured event, and quick payment of compensation under a CASCO policy.

What is CASCO?

• in case of theft of a car, its value is reimbursed at the price specified in the insurance policy;
• if you get into a traffic accident, repairs to the damage caused to the car are carried out at the expense of the insurance company;
• restoration of the body, assemblies and components if the car ends up in a ditch due to loss of controllability;
• repairs at the expense of insurance if a piece of ice falls on the body from the roof of a house or other natural phenomena and disasters;
• compensation for damage to the car upholstery in the form of deep scratches in the parking lot;
• repair of a windshield or headlight due to a stone falling from the road while driving.

Advantages of a CASCO policy

By purchasing CASCO insurance for your car from our company, you receive a number of undeniable advantages, among which the most notable are:

• by paying the insurance company once a year, you can receive compensation from it throughout this entire period;
• there is no need to find out whether the insured event was the fault of the victim or not;
• after purchasing a CASCO insurance policy, its owner receives full protection.

This type of contract is purchased by drivers who do not want to deal with the problems that arise when their car is damaged. The insurance company undertakes to repair the car in the event of any emergency. If you have a CASCO policy, the cost of the car is also fully reimbursed if it is stolen or 100% destroyed.

At the same time, the agreement does not apply in the following cases:

• in case of intentional damage by the policyholder to his car (in accordance with the available facts);
• when the machine is operated with faulty components and assemblies;
• if during the trip the driver was drunk or under the influence of drugs;
• when using the car for racing or training purposes.

5 reasons to get a policy on the website

How to save on insurance?

By purchasing a CASCO policy in Moscow, you can save money by using various ways to reduce the overall costs of this type of car insurance. Thus, when calculating the price of an insurance company’s services, some drivers include compensation for damage only in the event of theft or complete loss of the car. The next option for inexpensively calculating the cost of CASCO car insurance is to purchase a policy with a franchise from one of the Moscow insurance companies that are partners of our company. In this case, the amount paid in case of damage to the car as a result of damage is agreed upon in advance.

Also, one of the most effective ways is to get car insurance online. Having decided to buy an electronic policy in Moscow, you can save significantly when calculating its final cost.

Some insurers offer to draw up a contract with the condition of an advance payment of 50%. If no insured event occurs during the year, you don’t have to pay the second installment.

Scheme of work with the company AUTO Reserve

online payment

obtaining a policy

Basic parameters for calculating the cost of car insurance

• Make of the car for which insurance is purchased, year of manufacture and engine size;
• Age, driving experience, marital status and presence of children under 18 years of age among persons admitted to driving;
• Place of registration of the owner of the vehicle (vehicle);
• The presence or absence of an alarm system, as well as its type;
• Method of receiving insurance compensation;
• And other additional conditions.

Basic documents for obtaining insurance

To draw up a CASCO agreement, you must provide a standard set of documents - a driver’s passport, confirmation that the vehicle is registered with the State Traffic Safety Inspectorate, PTS (vehicle passport). At the same time, additional ones may be needed, such as:

* Attention. Car insurance calculations are preliminary. The cost of the policy can be changed if all data is clarified and documents are approved by the insurance company.

Signing up for a CASCO package is a must-have action for any modern car owner living in our country. The popularity of CASCO insurance for trips abroad is growing. CASCO insurance is a kind of guarantee that a car that gets into an unpleasant situation will definitely be repaired. Calculating the amount will be easy and simple, because the CASCO calculator on our company’s website will make this process understandable for everyone.

What is important to know:

• Car make
• The model of car
• Year of manufacture of the car
• Number of drivers, their driving experience

You can add special ones to any standard car insurance conditions, since our website has such an opportunity. Clarifying your requests allows you to determine the cost as accurately as possible and influence it by eliminating unnecessary items or adding necessary ones. Calculating the cost of CASCO online is a great way to satisfy your curiosity and plan future expenses so that they do not make a hole in your budget.

Do you want to calculate your CASCO policy, and even online, without leaving your home or taking advantage of a short break from work? Great! Enter your data into special form windows and get instant results. The CASCO calculator on the Element company website is designed in such a way that everyone can cope with the task - an experienced Internet user and a beginner who is just beginning his steps in exploring the possibilities of the World Wide Web.

It’s up to everyone to decide for themselves how to calculate CASCO insurance for a car or use the help of insurance agency managers, but both options will give an approximate amount. In the final version, the calculation of CASCO insurance may change due to the clarification of all the data, but this, as a rule, does not differ much from the calculator and the cost it offers.

Online insurance calculation services

Modern life is so fast that sometimes it does not leave us time for long trips around the city to visit companies and resolve issues. Online insurance is an excellent option for business people or for those who value their time. In addition, the very speed of data processing already allows you to save on travel around the vast Moscow, because you can submit a request for a calculation while in the office, or while on a business trip, and even if you are sick and do not have the strength to deal with the insurance issue.

Contact the Element insurance agency and get the opportunity to make all the calculations in any place convenient for you!