How to insure a car

How to buy car insurance online in 2018 in 10 minutes

All drivers in our country are required to insure their civil liability before driving a car.

Driving without a MTPL policy is an offense and is punishable by a large fine. To simplify the procedure for obtaining a policy, since 2017.

Insurance companies are required to provide the opportunity to insure your liability or car via the Internet. Let's look at how this can be done.

Registration of a policy through the online service of the insurance company

First, it’s worth checking whether the selected insurance company provides such services. Today, all major insurers are ready to accept applications and issue policies online. But sometimes temporary glitches occur in the system, about which a corresponding warning appears on the website.

The procedure itself is quite simple:

First you will need to register. To do this, you need to fill out a special electronic form in which the client’s personal data is entered. They should be specified as accurately as possible, including passport number and address. The result of registration will be receiving an SMS or email with a login and password.
The next step is to log into the site using the data received during registration. In your personal account, you must select a service for issuing or renewing an MTPL policy and fill out an application. It will reflect the same information as when submitting on paper. The application must be certified by an electronic signature or by entering the password issued during registration.
If all the data is entered correctly, the system will prompt you to proceed to calculating the insurance amount and selecting payment methods. You can deposit the necessary funds in any convenient way, for example, by paying with a bank card or electronic wallet.
After payment has been completed, the completed policy form will appear in your personal account and will be sent to the specified email. A paper copy is also available upon request. At this point, the process of applying for car insurance via the Internet can be considered complete.

Many insurers also offer a simplified option that allows you to renew an existing policy. Clients whose contracts are expiring are sent a link to the already completed document in their profile on the website. All you need to do is check the details and make the payment.

Registration of insurance on the State Services portal

You can apply for a policy from any insurance company through the government services portal. For those who have already registered on it, you must log in to be able to use the service. Newbies will have to spend a little time first to verify their identity. This usually takes one day.

In the “Transport and Driving” section, you must select the “Electronic Insurance” subsection. A list of insurance companies will be offered to registered clients. It is recommended to choose the one where you have already taken out an MTPL policy. This will allow us to obtain better conditions when determining the BMF.

After this, you will be redirected to the website of the selected insurance company. Further actions are the same as when applying for insurance in your personal account on the website. Data about the car, its owner and drivers are entered into the proposed form. After this, the system automatically calculates the required amount.

Making a payment completes the process of issuing a policy, which is sent to an email address, appears in the profile and is transferred to a unified information system. All data is transmitted through secure channels and cannot be intercepted by fraudsters.

Possible difficulties and problems

The transition to issuing electronic car policies via the Internet involves transferring information about them to a single electronic database. To check if you have insurance, just enter the car number.

This innovation is designed to relieve drivers of the need to carry an insurance policy with them. However, the system is not yet perfectly debugged in all regions, so it is still recommended that you print out the policy and have it with you.

Among other difficulties that car owners face when insuring themselves via the Internet in 2018, the following can be noted:

lack of confirmation of driver data in the AIS system;
discrepancy between the entered data and those available in the system;
technical failures, etc.

However, these are temporary difficulties that will be eliminated in the future. But there are other problems associated with the peculiarity of issuing an electronic policy:

only the owner can register it; this cannot be done by power of attorney;
the data of the new car is not in the AIS database before registration with the traffic police, therefore the first policy will have to be issued at the insurer’s office;
Cases of fraud under the guise of intermediation in the issuance of a policy with access to bank card data have become more frequent.

Registration of an MTPL policy online eliminates the need for car owners to personally visit the office of the insurance company.

Source: https://AutoLawyer.guru/straxovka/kak-oformit-polis-cherez-internet/

How to apply for an MTPL policy for a car via the Internet?

Since January 2017, insurance companies are required to provide the opportunity to issue an insurance policy via the Internet . These innovations started back in 2015, but in reality they hardly worked.

Those who tried to actually implement the instructions on how to insure a car under OSAGO via the Internet were faced with the fact that the sales function did not work on the websites of insurance companies.

At a certain stage of filling out forms, the resource generated an error, referring, for example, to outdated data.

The law did not provide for liability of insurers in case of failure to provide electronic services . Accordingly, technical support services of insurance companies did not pay enough attention to ensuring the operability of services.

The question itself “how to issue an electronic MTPL policy” did not pose a problem. It was difficult to find a company that actually provided such a service.

The insurer's website cannot stop working for more than half an hour a day . Any planned technical work must be announced in advance with the mandatory indication on the main page of the insurer’s corporate website of the exact time of its start and end.

The penalties for violation are quite serious:

100-300 thousand rubles fine for a one-time refusal to conclude an insurance contract;
revocation of license in case of repeated malicious violations.

Features of electronic MTPL

“e-OSAGO” is identical to regular insurance issued at the office of the insurance company. Its only difference is in the method of ordering and payment: you can place it and receive it via the Internet.
The prices for electronic and regular policies are the same. Registration of e-MTPL is neither more expensive nor cheaper than a traditional civil liability insurance contract.
Many people are interested in how the traffic police will check the availability of insurance if the driver bought a policy online. The inspector can determine the authenticity of the form by checking the policy number with the data stored in the AIS RSA database (database of the automated information system of the Russian Union of Auto Insurers). The policyholder himself can do this using the section of the RSA website.
The policyholder can take advantage of the required discounts for accident-free driving in the same way as when purchasing a regular MTPL in the office. This information is available in the RSA databases. The discount is calculated automatically.
When registering e-OSAGO, the car owner is not required to attach documents to the car. All necessary information is available in the RSA database.

The policyholder independently chooses additional services and does not face their imposition by agents of the insurance company.
Registration of an electronic document takes less than half an hour. To do this, there is no need to meet with representatives of the insurance company.
There is no need to change the electronic document to the official Gosznak form. Just print it out and take it with you.

No special form or seal is required. You can see what an electronic MTPL policy looks like. The photo is presented below:

To obtain an electronic MTPL policy, you must complete the following steps:

Open the insurance company’s website and register in your “Personal Account”.
Click the link “Electronic OSAGO” or “e-OSAGO”.
Select one of the registration options “renewal of an old policy” or “registration of a new one”. The first case is relevant if you have already taken out a policy with this insurance company. In this case, it is enough to enter the number of the old OSAGO and your passport details. Then the registration procedure will take less time.

Enter your passport details, phone number, e-mail, driver's license details, PTS and diagnostic card (if the car is older than 3 years). In some cases, insurers require uploading scanned copies of documents. They should be easy to read and free of glare and stains.
Wait until the document verification is completed (it does not exceed half an hour according to the law).
Click the “Payment” link that appears and make a payment using a bank card or other instrument that allows you to pay online. You can even pay in cash. To do this, you will have to visit the insurance office or order delivery by courier and pay for the policy upon delivery.
Receive an electronic document sent to the e-mail specified during registration and print it.

It should be remembered that the effect of electronic compulsory motor liability insurance begins on the day following the day of registration.

Making changes to e-OSAGO

It happens that when entering data in your personal account, the car owner makes mistakes.

Even additional data verification does not completely eliminate inaccuracies. How to make changes to OSAGO?

Effective tools that allow you to change MTPL data based on the policyholder’s request and RSA database data are only being developed.

How to add a driver to the electronic MTPL policy or make other changes? You must submit a written application to the insurance company.

The application will be processed and the required changes will be made to the database soon.

To avoid having to register a driver, you can do it simpler: register for compulsory motor liability insurance with an unlimited list of drivers.

Where to apply for e-OSAGO

According to the law, every insurance company is obliged to provide the opportunity to buy compulsory motor third party liability insurance via the Internet . Each of them has an official website address where you can make a purchase.

"Ingosstrakh" - https://www.ingos.ru/ru/private/auto/osago/calc/#1;

"AlfaStrakhovanie" - https://www.alfastrah.ru/individuals/auto/eosago/calc/;

"ASKO" - https://lk.sgasko.ru/;

“Capital Insurance” - https://kapital-ins.ru/main/private/auto/osago/calc/index.wbp;

"Megaruss-D" - http://client.megarussd.com/;

"Nasko" - https://nasko.ru/osago/buy/form;

"RESO-Garantiya" - https://client.reso.ru/.

Video: I’m buying an electronic MTPL policy without additional extras, how can I apply for it online?

Possible difficulties when registering e-OSAGO

We figured out the question of whether it is possible to apply for compulsory motor liability insurance via the Internet. However, car owners sometimes encounter some difficulties when trying to follow the instructions:

Redirection from one insurance company's website to another. Sometimes those who want to purchase e-OSAGO from their favorite company are faced with the fact that when they try to buy an electronic policy, the “Personal Account” of the website of another insurer opens. These actions do not contradict the law and have been agreed upon with the Bank of Russia. This mechanism is designed to protect the insurer in the event of a failure of its own service for issuing electronic policies. In theory, the replacement company is selected randomly using special algorithms. It is believed that insurance companies sometimes abuse this right to reduce sales of policies in unprofitable regions.
Technical glitches. Prolonged freezing of the site, the appearance of errors and other problems that make it impossible to issue e-OSAGO are contrary to the law. If you encounter this, you should take screenshots and send a complaint to the RSA or the Bank of Russia.

Questions and complaints can be addressed to the Bank of Russia, the service for the protection of financial services and minority shareholders.

You will be interested in:

Source: http://pravo-auto.com/kak-zastrahovat-avtomobil-po-osago-cherez-internet/

How to insure a car OSAGO online in 2018

How to insure a car via the Internet OSAGO? This issue worries many motorists, because remote registration of a compulsory car insurance policy allows you to avoid inconveniences associated with the human factor and imperfect organization of the work of insurance company employees.

Advantages and disadvantages of E-OSAGO insurance

Taking out an insurance policy online has its strengths and weaknesses. Let's look at them in more detail. Advantages:

You can save a lot of time and effort;
You don’t have to adjust to the insurance company’s work schedule;
Purchasing insurance online does not entail any extra costs - insurance agents simply will not be able to impose additional costs on you.

It would seem that with such a list of advantages, this method of issuing an MTPL policy should be in greatest demand. However, not all so simple! To buy car insurance online, you need to meet several important conditions:

Have your own computer, office equipment and Internet access;
Have free time to enter personal data into the program;
Have a payment instrument (usually a bank card).

As practice shows, not every applicant for a motor vehicle license has all three components at the same time.

How to choose an insurer on the Internet to obtain an electronic MTPL policy

To obtain car insurance through the online service of an insurance company, you need to check whether it offers such services. Currently, several largest companies provide insurance via the Internet:

Moscow Insurance Company (MSK);
Alfa insurance;
Parity-SK;
Energy guarantor;
Rosgosstrakh;
Military Insurance Company (VSK);
Uralsib;
Reso-guarantee.

When choosing an insurance company, do not forget to read reviews from real people and information posted on the insurer’s official website. The following points must be taken into account:

The amount of authorized capital - the larger it is, the more reliable it is;
Work experience – the company must have been engaged in auto insurance for at least 8 years;
Ratings among insurance organizations can be found on RSA or simply on the Internet.

Rules for registering E-OSAGO for a car through the insurance company’s website

Purchasing a policy online is not as difficult as it might seem at first glance. The procedure takes place in just a few steps. Step 1. Registration on the organization's website . To pass it, you must enter your personal data (including address, telephone number, and passport number and series) in a special electronic form.

You need to enter information with maximum accuracy - the entire success of the operation depends on this. Upon completion of registration, a message will be sent to your phone number or email with a login and password for entry into the system. Step 2. Fill out the application .

After logging into your personal account, you need to select the service that suits you. This can be either the initial purchase of a compulsory motor liability insurance policy or the renewal of a previously concluded contract. There is also nothing complicated in filling out an electronic application - it displays the same points as a paper document.

The completed application can be certified in two ways - by entering the password used to log into the system, or by electronic signature. Step 3. Calculate the cost of insurance . If the data is entered correctly and you pass the AIS (Automated Information System) check without any problems, your personal account will receive a letter from the insurance company.

It contains two points - calculation of the cost of the policy and the method in which you can pay for the service provided. Step 4. Deposit payment into the insurer's bank account . insurance can be paid for with cards from almost all Russian banks . The largest insurers practice the use of electronic money. Step 5.

Getting auto insurance . As soon as the payment is credited to the account, the completed policy form will appear not only in your personal account, but also in your email. Along with it, you will receive a whole package of documents (necessary contacts, algorithm of action in case of an accident, etc.).

We recommend that you print out the policy yourself or request a paper copy of the contract. In this case, the company will send it to the address specified in the application (be careful - the service may be paid!). At this point, online car insurance is considered complete.

Applying for auto insurance on the State Services website

You can apply for compulsory motor liability insurance not only on the insurance company website, but also on the State Services portal. The procedure takes no more than one day and looks like this:

Register on the site and present documents confirming your identity;
Select the “E-insurance” subsection in the “Transport and Driving” section. You will be presented with a long list of companies - choose the one whose services you have already used. This way you can get more favorable conditions when determining the BMR;
Wait until the system redirects to the website of the insurer you have chosen;
Next, you need to do exactly the same actions as when purchasing insurance in LC (that is, enter information about the drivers, the car and its owner);
Check out the calculation of the final amount (produced automatically);
Select a payment method and deposit money into the company account;
Receive an electronic copy of the agreement by email. A copy of this document will also be reflected in the profile and transferred to a single information database. You don’t have to worry about the safety of this data - the channels through which it passes are protected from fraudsters.

A simplified version of registration of compulsory motor liability insurance via the Internet

Realizing that filling out electronic policy forms on their own presents certain difficulties for clients, many companies have simplified the task to the point of impossibility.

About a week before the expiration of the contract, they send an SMS message with an offer to renew your insurance online and clear instructions on how to do this.

In this case, your actions should be like this:

Follow the provided link;
Enter your phone number and the code from the SMS - this will allow the system to find the application compiled for you;
Wait until you receive an email with a temporary password from your personal account;
Change it to permanent;
Log in to your account on the insurer's website;
Find in your personal account a ready-made E-OSAGO with the data entered into it;
Check the new document with the old policy;
If all the information matches, put “V”, thereby expressing your agreement;
Go to the page to pay for the service;
Wait until all related documents are sent to your email address;
Print them on a regular printer and always carry them with you.

What problems may arise when applying for E-MTPL?

If you decide to insure yourself through the Internet, be prepared for the difficulties that may accompany this process. The most common problems in registering the electronic version of MTPL include:

Lack of supporting information from the AIS system . Why does this problem occur and how to fix it? Perhaps the whole point is that the necessary information was not entered at all, was entered with an error, or a glitch occurred in the program. And without this confirmation, you simply will not be able to fill out an application and use the car insurance service;
Thorough check. To buy MTPL insurance online, you do not need to provide any documents to the office . However, this does not mean that the insurance company will not perform a comprehensive check of the client’s data through its own database. Sometimes the check may stop (at any stage) due to the lack of any information. At the same time, the car owner himself does not even realize that his technical inspection completed on time was not displayed in the program and became the main obstacle to the issuance of electronic compulsory motor liability insurance;
Technical errors . When you decide to insure your car online, be very careful - any inaccuracies made while filling out the application will be grounds for refusal to receive insurance (both electronic and paper). In response to the company’s request, the AIS system will issue a certificate stating that the driver with such data simply does not exist;
Impossibility of registering E-MTPL by power of attorney . Today, only the owner of the car can apply for an insurance policy online;
New car insurance . Information is received in the AIS system only after the vehicle is registered with the traffic police. In all other cases it is simply absent. This means that purchasing a policy for a new car can only be done during a personal meeting with an insurance agent;
High probability of falling into the tenacious hands of intermediaries . If you are planning to buy MTPL cheaply, then you will have absolutely no need for other people’s help in filling out the documents. But that is not all! The intermediary will also be responsible for paying for insurance services on your behalf. At the same time, the motorist himself does not receive any guarantee that his personal and banking data will not be taken over by fraudsters ;
Regional reference . According to current legislation, you will not be able to order an electronic policy from a particular company if there is no official representative office in your region of residence. You can check the availability of such services at the initial stage of completing the documentation (when filling out the form);
Technical problems on UK websites . Users quite often encounter not only a banal freezing of the portal, but also lengthy data checking in RSA, a complete stop of the resource and other unpleasant moments.

Video on the topic

Now you know where and how to issue an electronic version of your MTPL insurance policy. All that remains is to take advantage of this new, but very profitable and convenient way as quickly as possible.

Source: https://osago-go.com/osago/kak-oformit-osago-online

How to insure a car

Having become the proud owner of a car, you need to immediately think about insuring it. It doesn’t matter whether your vehicle is new or used, whether you bought it on credit or paid cash. There are different types and methods of insurance for all cases.

The very first and most important type of insurance is compulsory motor liability insurance. In this case, it is not the car itself that is insured, but the driver’s liability to other road users. That is, in the event of an accident, damage caused to property, life or health of third parties, as well as urban infrastructure elements, is compensated.

You can apply for compulsory motor liability insurance at any insurance company at a fixed cost. The price of insurance depends on age, driving experience, vehicle power, as well as the region where you will operate the vehicle.

To obtain an MTPL policy, you must have the original or copies of your driver’s license and those of the persons you plan to include in the insurance, passport, power of attorney for the right to drive, if you are not the owner of the car.

You will need an inspection certificate if the car is older than three years, and a previous insurance policy.

At the end of the procedure, after signing all the documents, the representative of the insurance company must hand over the following documents to you: the original MTPL policy, the original receipt confirming payment - f. A7, accident notification forms, insurance rules and a list of representatives of this insurer in the constituent entities of the Russian Federation.

The next type of insurance is voluntary and protects your car as property from theft and damage. CASCO can be complete, where insurance includes the risks of detailed or complete damage to the vehicle in the event of an accident and theft.

As a rule, full CASCO is required by the bank if the car is taken on the condition of a car loan and is bank collateral. There is a lightweight, partial type of voluntary insurance.

It includes only damage from damage, or only additional vehicle equipment is insured.

Calculating CASCO is much more complex than compulsory motor liability insurance and includes many criteria.

The price is influenced by your experience and age, cost, make and model of the car (theft statistics and the cost of repairs are taken into account), the year of manufacture of the vehicle, the presence of a security system and other important factors.

To save on CASCO, don’t be lazy - calculate it with different insurance companies and compare the results and amounts offered to you.

To apply for CASCO, you will need the following documents: passport, your driver’s license and those of the people who will be allowed to drive, an application, registration documents for the car (PTS, vehicle registration certificate). A mandatory inspection of the car by the insurer will be required for any existing damage.

The leading reliable property, as well as life and health insurance companies in Russia today are Rosgosstrakh, Renaissance, Reso-garantiya, Ingosstrakh, Alfastrakhovanie, VSK, Sogaz and others. In any office of the company you choose, they will help you make a good choice and save your property and money.

Source: http://SovetClub.ru/kak-zastrahovat-avtomobil

How to insure a car: insurance companies, conditions and registration

Most drivers, having decided to insure a car, purchase a policy from an insurance company and do not study the terms of the contract. The main factor for them is the low amount of insurance payment. However, such an attitude towards the insurance product upon the occurrence of an insured event brings disappointment to the client. Therefore, the issue of vehicle insurance must be taken seriously.

Choosing a company

The future client of an insurance company faces the problem of where to insure a car only when he first gets behind the wheel or purchases a car. As a rule, experienced drivers have their own insurance organization, proven over the years. Therefore, you should talk to your circle of car enthusiasts and hear their opinion about this or that insurer.

After listening to the opinions of car owners, you need to check the ratings of insurance companies. By comparing the opinions of friends and official statistics on the activities of such organizations, you can choose an insurance company. The first positions here are occupied by VTB Insurance, Ingosstrakh, SOGAZ.

Calculation of the sum insured

The first indicator that a policyholder faces when deciding to insure a car is determining the value of the car.

After all, the lower its price, the lower the amount of the insurance payment. There are insurers who agree to issue a car insurance contract for the amount specified by the client.

However, such a position will play a cruel joke on the policyholder if an insured event occurs.

As a rule, managers of sample companies do not draw the insurer's attention to the discrepancy between the real cost of the car and the amount of the insured amount.

This is due to the possibility for the company to reduce the amount of insurance payment, even to the point of refusing to pay it.

The insurer will be able to argue its position by the fact that the vehicle is not fully insured, therefore the payment will be made proportionally.

Thus, it is not advisable to reduce the amount of the insurance payment by reducing the amount of the insured amount. When concluding a car insurance contract, you should ask the company manager about the payment procedure if the car is insured for an amount that is less than its actual value.

Franchise by agreement

The amount that is not reimbursed to the policyholder upon the occurrence of an insured event is called a deductible. Its size significantly affects the final amount of the insurance payment.

The higher its size, the lower the insurance rate.

However, before insuring a car with a high deductible, the buyer of the insurance contract should know that the amount of compensation will be reduced by its amount.

The Alfa Insurance company offers to issue an insurance contract with a zero deductible. However, this approach will immediately increase the amount of the insurance payment by thirty to forty percent.

Therefore, you should pay attention to the franchise size of 0.5-1%. For experienced drivers, given their extensive driving experience, a one percent deductible should be used.

For young and inexperienced car owners, it is advisable to use a deductible of 0.5% when calculating the insurance rate.

Bonus for driving experience

The reduction in the amount of payment in many insurance organizations is influenced by the driving experience of the policyholder. So, if you compare insurance contracts for a driver with less than a year of experience and for an experienced (more than ten years of experience) driver, the amount of payment can vary by up to 40 percent.

Also, when drawing up an insurance contract with VTB Insurance, it is necessary to indicate the driving experience of all persons who can drive this vehicle.

This information must be provided when signing a comprehensive insurance policy, as well as if it is necessary to insure the car under compulsory motor liability insurance.

If the entries in the contract do not correspond to the real data, then the insurance company has the right to refuse to pay insurance compensation upon the occurrence of an insured event.

Car registration place

Having decided to insure a car, a client of an insurance company must be prepared for the fact that prices vary between localities. Registration of a vehicle in the capital involves the highest payments not only for voluntary types of comprehensive insurance, but also for mandatory compulsory motor liability insurance.

The difference in price between the capital and a city of regional significance is up to 20 percent. And if the vehicle is registered in the regional center, then the discrepancies in the amount can be as much as forty percent. This is due to a significant number of cars in big cities and relatively few in other populated areas.

Traffic restrictions

When choosing a company to sign up for a car insurance contract, you need to pay close attention to the terms of payment.

The Alfa Insurance company has an option that allows the client to count on payment of insurance compensation, even if he violated the traffic rules.

The main thing is that at this time the policyholder is not under the influence of alcohol or drugs.

A client who has decided to insure a car should know that there are a number of insurers whose current rules stipulate exceptions under which payment can be refused. Thus, driving through a prohibited traffic light sign, crossing a double solid line or violating overtaking rules may become a violation for which the insurance company will be able to refuse compensation.

Therefore, when studying the insurance rules, you should familiarize yourself in detail with the reasons specified in the contract why the policyholder will not be able to count on receiving insurance compensation.

Contract extension

Regardless of whether the car is insured under comprehensive insurance or compulsory motor liability insurance, the insurance protection is valid for the period specified in the contract.

The client must visit the insurance company again to renew the policy for the next period. For all regular customers, the SOGAZ organization offers a system of discounts.

If over the past period the policyholder has not been in an emergency and has not received insurance compensation, then he can count on a discount of five to twenty percent.

Voluntary or compulsory insurance

The car owner must decide which type of contract is suitable for him. Where to insure a car under compulsory motor liability insurance and comprehensive insurance is decided by the owner of the vehicle at his own discretion.

It is advisable to have contracts for these two types of insurance.

After all, if the car owner has purchased only an MTPL contract, then in the event of an emergency where the policyholder is at fault, he will not be able to receive an insurance payment for his vehicle.

Insure your car through an insurance agent or visit the company's official website, contact the insurer's office directly or inform the broker about your desire to purchase an insurance policy - there are many options for obtaining insurance protection for your vehicle. The main thing in this matter is to read in detail all the clauses of the insurance contract and clarify all points of interest from the insurance manager in advance. This attitude towards car insurance will allow the car owner to be confident in the future.

Source: https://www.nastroy.net/post/kak-zastrahovat-avtomobil-strahovyie-kompanii-usloviya-i-oformlenie

How and where to properly insure a car?

Home » Car insurance » General information

Car insurance is a rather complex topic and at times can lead even very smart and organized people into a state of stupor.

There is only one reason – stereotypes.

The purpose of this article is to show that car insurance is not at all difficult, but on the contrary, it is simple and generally quite quick.

You just need to follow a few rules.

However, that’s what we’re talking about.

Rule No. 1. Choose the right company!

The insurance company should have as long as possible in the market - this will give you at least some guarantee that the company will not disappear or go bankrupt.

Companies that have existed since pre-revolutionary times, on the contrary, should not be trusted, but you can find out the actual period of work on the market.

If it is more than 10 years, you can use their services, but be prepared for the prices to be 5–10 percent higher.

In addition to the period of presence on the market, there are other criteria. For car owners, the most critical are:

the presence of insurance commissioners on the company’s staff and the speed of their arrival at the scene of an accident. Often, mediocre lawyers become insurance commissioners, whose education can greatly help in contacts with traffic police representatives in the early stages. Of course, this service is far from free, but in case of problems with the law, it pays for itself very well;
the presence of professional lawyers on staff who provide assistance in collecting and submitting a package of documents to the traffic police. Again, this saves you from a very large number of problems, and possibly additional costs. Unlike the previous point, this solution is more common and is sometimes even included in the basic insurance package. However, even if this is not the case, it is worth considering purchasing this service;
the ability to compensate for minor damage without certificates from the traffic police. This is very important, since most often in minor accidents the glass and, a little less often, the body are damaged. If the damage is minimal, most adequate companies will pay for it without any questions (the usual solution: all glass plus body damage costs no more than 5% of the cost of the car), but there are also those that will require a certificate for each scratch;
promptness of damage compensation. The normal solution is to reimburse the damage within 7-12 days. Of course, this is not 2-3 days, as in some Western companies, but, on the other hand, their prices are much higher;
possibility of remote settlement of losses. A very necessary option that allows you to send the car to a service center, even if there is no certificate from the insurance company yet, and thereby save yourself a couple of days.

It's also worth paying attention to the car's depreciation policy - most insurance companies reduce the estimated value over time.

relatively normal solution is 20% in the first year, 15% in the second and 10% in subsequent years.

However, some companies play on customer ignorance and increase this parameter to 20-30%, which depreciates your car (and reduces the size of their payments) much faster.

https://www.youtube.com/watch?v=w63Oe0L4Nrg

also worth paying attention to the procedure for paying the insurance premium - companies often offer various options, from one-time payment to a lifetime rate.

Which one to choose is up to you, but if you cannot pay everything at once, then interest-free installments may well be a sufficient reason to choose one company over another.

In addition, many insurance companies also offer special conditions for those who contact them from the website or through the central office, as well as owners of several cars or experienced motorists who do not have a history of fines and offenses.

However, the reverse process is also possible: many companies check whether insurance amounts have already been paid to this owner, and if the amount is more than a certain amount (each company sets its own depending on its volumes, financial reserves and desire to take risks), then the cost of insurance will increase slightly.

In addition, the reason for an increase in the amount of insurance premiums may be the fact that the policyholder was at fault for the accident.

Rule No. 2. Don't trust advertising!

Television advertising claims that CASCO is the best type of car insurance, and in general it is right.

However, best for everyone does not mean best for you.

So study in detail all the company’s brochures and contracts - it is possible that it has a more preferable type of insurance.

For example, the high cost of CASCO is so high only because this tariff plan takes into account all possible risks.

However, many companies also provide cheaper tariff packages that do not contain those insurance clauses that are unprofitable for this company.

If you're a careful driver, you often don't need them either, so everyone wins.

But if not... believe me, it’s better to pay the insurers.

OSAGO

The cost of insurance under the MTPL system is the same everywhere and depends on the power and cost of the car.

There cannot be any preferences here, apart from personal sympathies for one company or another, so it is better to insure your car under MTPL in the same place where you took out general car insurance.

By the way, there is one peculiarity: compulsory motor liability insurance for six months costs 70% of the annual payment, and for the second six months - 30%.

In this way, insurance companies prevent the client from leaving for another company.

It is worth remembering that OSAGO has a maximum payment amount of 400 thousand rubles in total, while only 160 thousand rubles will be spent to cover damage to property (but up to 120 thousand rubles per person), the rest of the amount is provided to cover damage to health and life.

DSAGO

But DSAGO is already serious.

DSAGO guarantees that in case of damage caused by you, additional funds will be paid.

And this is a good addition, because according to the price lists, a damaged traffic light mast costs more than a million rubles, so if you manage to crash into it, you will regret a hundred times that you did not buy DSAGO.

The cost of this type of insurance is difficult to predict, since it is determined by the insurance company itself, but on average it is 20–50 USD. insurance premium for increasing payments to 10,000 USD

"Green map"

There is also a “Green Card” - a car insurance policy when traveling abroad, which insures your car so that you have the opportunity to repair it outside the Russian Federation.

Most official foreign car services seriously inflate prices if the owner does not have insurance.

Rule #3: Check your theft insurance

Car insurance against theft and against theft are two different things, and this is what you should make sure of when reading the insurance contract.

Some companies include only one clause in contracts - “theft” and take advantage of the naivety of inexperienced drivers.

But if both points are indicated, this can be an excellent reason to choose this particular company.

You will, of course, ask what the difference is between these points.

So, theft is the seizure of someone else's car for any reason that has nothing to do with personal gain.

If a group of teenagers steal your car and crash it in the forest, that’s a theft.

And theft implies that the thief will get something from it.

If your car is stolen and then sold, it will be theft.

Insurance companies successfully take advantage of the difference between these legal concepts in order to avoid payments.

However, as we have already mentioned, it is possible to refuse some insurance clauses, including such as “theft” and “theft”, which will reduce the size of your insurance premiums, but will make you more vulnerable.

As you can see, using just three rules, you can easily insure your car.

However, let’s add one more, unofficial one to them.

Once you decide on an insurance company, check its reputation online and talk to those who already use its services.

Sometimes you can learn a lot of new and very interesting information, and not in favor of the company.