Voluntary auto liability insurance online

Every motorist is required by law to buy compulsory motor liability insurance, but payments under a compulsory insurance policy are not always enough to compensate for damage caused to victims - third parties. And in this case, the culprit of the accident must compensate part of the amount himself. Voluntary motor liability insurance allows you to protect yourself from such costs. For motorists who want to minimize their financial risks in the event of an accident, AlfaStrakhovanie offers an additional insurance product - extended compulsory motor liability insurance. You can buy such a policy together with CASCO.

Why do you need extended MTPL

The CASCO policy only covers the damage that was caused to your car. This insurance program does not affect your liability to the second party injured in the accident. At the same time, the maximum damage that an insurance company can compensate under an MTPL policy is regulated by law, and at the moment (April 2021) its amount is 400 thousand rubles. In contrast, the payment under an extended compulsory motor liability insurance policy is limited only by the limit of the sum insured, which you can choose yourself. We offer two coverage options under this auto insurance program – 1 million rubles and 1.5 million rubles.

What is extended DSAGO insurance?

DSAGO or extended MTPL is a voluntary insurance policy. The key aspect is that if a precedent arises that requires payment to the injured party, there will be no limit of four hundred thousand.

Clarifying what DSAGO is, we note that we are talking about voluntary motor third-party liability insurance. From the name it follows that the contract is not a mandatory condition necessary for the legal operation of the vehicle.

Features of insurance

DSAGO is unprofitable for insurance companies. This is due to the fact that there are many road accidents where the cost of car repairs exceeds half a million rubles, and

the price of the document is low.

An important feature is that, unlike a standard DGO policy, it is not regulated by the state. This gives companies the right to determine their own terms of sale. Today, most insurers provide DSAGO only when purchasing CASCO insurance, and a number of companies have completely removed this service from the list of services offered.

Advantages and disadvantages

Previously, it was assumed that DSAGO does not actually have an upper limit on the compensation limit, but, in practice, it does exist. An extended policy does increase coverage, but not indefinitely.

The obvious benefit is more peace of mind on the road. If an accident occurs involving an expensive car, there is a chance to meet the cost of insurance rather than pay an extra half a million rubles.

We note the following disadvantages:

not all companies sell the service;
unfavorable contract terms, since prices and provisions are not regulated by the Central Bank of the Russian Federation;
availability of coverage limit.

Attention! Every car owner can take out voluntary liability insurance, but the company reserves the right to refuse the service.

Difference from OSAGO

The only and key difference from compulsory motor liability insurance is related to the amount of potential compensation in the event of an accident. For example, driver G. caused an accident involving a Mercedes car. The cost of repairs after the examination was six hundred thousand rubles. If citizen G. has only a standard MTPL policy, then he will have to compensate two hundred thousand himself. If you have extended insurance, this will be covered by the company.

According to the law, an increase in the guarantee of compensation under the contract is not provided, that is, in order to receive funds you will need to go through all the standard procedures. There is also no change in the coefficient (CBM) for the basic policy.

Tariffs and payments under the DSAGO policy

Tariffs for registration of DSAGO are set taking into account several parameters. Among other things, the price will depend on the maximum liability limit of the policy. The greater the amount of damage covered by insurance, the higher the cost of the insurance product.

Payments for compensation of damage under the extended insurance policy are made minus the coverage under the standard OSAGO policy. Let's consider a case where a car owner purchased a DSAGO with a limit of 1 million rubles. If in an accident due to the fault of the policyholder, damage to another vehicle in the amount of 1 million rubles is caused, payments are made as follows. According to standard compulsory motor liability insurance, 400 thousand rubles are compensated. The remaining amount will constitute compensation under the extended liability insurance policy. In the example under consideration, this is 600 thousand rubles.

You can buy DSAGO from any official representative of AlfaStrakhovanie at the same time as purchasing a CASCO policy. For more information about the cost of insurance, please contact our consultant.

How to apply

The procedure for selling a policy with an extension is regulated by the insurer. It is recommended to contact a company representative in advance and clarify the possibility of obtaining DSAGO. In most cases, the following conditions must be met:

The owner of the car has a valid MTPL in the selected company.
The owner of the vehicle personally submits an application for DSAGO.
The term of the extension cannot be longer than that of the main auto insurance policy.

Voluntary civil liability insurance for car owners is provided by a number of companies, including Ingosstrakh.

Required documents

The documents required to obtain DSAGO do not differ significantly from the requirements when purchasing a basic policy. First, you need to verify the identity of the owner of the car - a passport and driver's license. Secondly, papers for the vehicle itself - PTS, diagnostic card, car registration certificate.

It is important to know! You will also need to attach the original of the current MTPL policy. However, documents can be completed at the same time. Simply increasing the coverage will be done immediately after creating a standard policy. The expansion of OSAGO RESO is implemented precisely in this way.

Payments after an accident

The person at fault for the accident submits the following documents to the insurance company to receive compensation:

statement about the occurrence of an insured event;
copy and original of the MTPL and DSAGO policy;
copy of the passport;
a copy of the vehicle control document;
a certificate of an accident, it must indicate the breakdowns;
a copy of the protocol on the offense when drawing up;
a copy of the medical examination performed, if any;
a copy of the resolution on the opened administrative case (if available).

The victim submits the following documents to the insurance company:

application for compensation of damages,
copy of the passport,
a copy of the accident participant's confirmation,
car documents,
a completed accident notification form,
a copy of the traffic police report on the violation committed,
a copy of the traffic police resolution on the opened case regarding the offense.

The payment period depends on the deadline for affixing all documents to the insurance company on the part of the culprit of the accident and the victim.

Compensation will be transferred to the victim no later than 5 days. If the accident occurred in remote areas, the payment period can be extended to 15 days.

DSAGO rules

DSAGO insurance rules are standard, as they are regulated by current legislation.

Most documents of this type contain the following sections:

insurance subjects;
insurance contract;
object of insurance;
insurance risks and insured events;
amount of insurance amount, deductible;
limit of compensation payment;
insurance premium.

A separate section usually covers issues related to the insurance contract (the beginning and end of the validity, the procedure for its conclusion, execution).

The subject of insurance under the DSAGO policy is understood as the responsibility of the policyholder to other road users.

Also, if there is a corresponding clause in the contract, compensation will be paid to any driver who is driving a car at the time of an accident or other insured event.

The paragraph called “insurance contract” highlights the most important points regarding this document.

There is also a list of items whose presence is mandatory:

vehicle and persons covered by DSAGO;
amount of the insured amount, insurance risks, limits;
territorial coverage of DSAGO, duration of insurance;
the procedure for paying the insurance premium;
additional agreements.

The object of insurance refers to the property interests of the insured. Previously, before certain amendments were made, this clause was a loophole for insurance companies.

If damage was caused not to the car, but to other property, the policyholder was simply denied payment. The basis for refusal is the absence of an insured event.

The section called “insurance risks” lists the situations for which the DSAGO policy is valid.

When they occur, a precedent arises that allows the policyholder to receive monetary compensation from the insurance company.

When concluding a contract for DSAGO, it is possible to use a franchise. This option makes it possible to significantly reduce the cost of the policy.

The limit of compensation payment is understood as a certain amount within which compensation for harm to the victim can be made.

The “insurance premium” section indicates the amount that the policyholder is obliged to pay to the insurance company for concluding an insurance contract under the DSAGO policy. Its magnitude depends on a large number of different factors.

Registration of a voluntary insurance policy

To buy DSAGO, you will have to call insurance companies or go to their websites. Unlike MTPL, insurers may not sell this product at all. This is what Rosgosstrakh, Sogaz, Spasskie Vorota and others did. Alfastrakhovanie, VSK and Ingosstrakh issue DSAGO only together with CASCO. RESO-Garantiya sells voluntary insurance to those who renew their compulsory motor liability insurance for the second and subsequent years. If the company gives a positive answer, you need to go to the office. The insurance decision depends on the vehicle's characteristics and the owner's insurance history.

Documentation

To purchase a DSAGO policy, you need to bring a package of documents:

Civil passport and driver's license of the owner
PTS
STS
Valid OSAGO certificate
Driver's licenses of persons authorized to drive

It is more convenient to purchase DSAGO from your insurer at the same time as OSAGO. If an insured event occurs, it will be better if all payments are made by one company. It should be remembered that the validity of the DSAGO policy begins 5-10 days after signing the contract and paying the insurance premium. This is done to prevent fraud - issuing a policy on the day when an accident has already occurred.

Rates

There are no uniform tariffs for DSAGO, so each company sets its own prices. The criteria by which they are determined are largely similar:

Maximum amount of compensation
Vehicle make, power and age
Age and driving experience of the owner
Policy validity period
Number of persons admitted to management

Depending on the specified indicators, the amount of the insurance premium varies from 0.5% to 1.5% of the insured amount. If the contract is for 300,000 rubles, you will have to pay from 1,200 to 1,500 rubles. To apply for an extension of compulsory motor liability insurance to 1,000,000 - 1,500,000 rubles, you need to deposit from 3,500 to 6,000 rubles. These compensation amounts are the most popular among Russian motorists.

Step-by-step instructions for obtaining extended MTPL insurance

Voluntary extended insurance is issued according to the same scheme as the classic MTPL policy. The citizen will have to:

Select an insurance company. It is necessary to familiarize yourself with the list of institutions providing the service and study the list of current tariff plans. This will allow you to choose the most favorable terms of cooperation.
Prepare a package of documents. You will need an identification document, vehicle papers and a valid motor vehicle policy.
Contact your insurer. We will allow a personal visit to the organization’s office, submitting an application online, or completing DSAGO with an insurer’s representative outside the office. A personal visit takes time. However, an independent visit to the insurer will allow you to sign a contract in comfortable conditions and ensure the integrity of the organization.
Fill out an application. If a citizen visited the office of the institution in person, the extended MTPL insurance policy will be issued in the presence of a representative of the insurer. Information about the applicant and the car will be included in the policy. Then the document will be certified by signatures. Next, the insurance agent seals the document with a wet seal. If the application was made online, the citizen will have to provide the data independently. The system will generate a document and send it by email.

An insurance policy does not always begin to be valid from the date of issue. You can prepare the document in advance. Thus, the conclusion of the contract can be completed on the 10th of the month, and the insurance begins to be valid on the 1st of the next month.

When applying for voluntary insurance, confusion can arise. The fact is that some people believe that obtaining DSAGO can be done without a basic OSAGO policy. However, the procedure cannot be carried out. DSAGO is an extended version of the document, so it can only operate in conjunction with the classic version of the policy.

Additional insurance for compulsory motor liability insurance

List of additional services

Insurers, when imposing additional services offer to solve problems with minimal risks and damages.

The average insurance payment for compulsory motor liability insurance is 15 thousand. rub. and this is the maximum that drivers can count on. Still, it’s better to drive carefully and actually purchase extras. there will be no need for services.

Insurers offer services such as:

DSAGO with an increase in the cost of insurance;
life, health, real estate insurance;
compensation for damage without taking into account wear and tear of the car;
emergency commissioner or free car evacuation if necessary;
insurance policy for passengers, although lawyers advise carrying regular honey with you for this purpose. insurance.

Such services may be useful, but are not in demand, although in many insurance companies they are required to be purchased when applying for compulsory motor liability insurance. Moreover, if a client suddenly refuses, the forms suddenly run out or a technical failure occurs in the AIS RCA database.

Attention! OSAGO is a public contract and refusing to sell it is illegal. Moreover, it is concluded with the interested parties in a mandatory and unquestioning manner.

When disputes arise, lawyers advise motivating them with these facts and referring to the laws. Ask for a written refusal to issue compulsory motor insurance without additional insurance. services indicating all reasons.

Reasons why insurers impose additional services

Employees are interested in teaching insurance with many different extras. services. There are a lot of reasons for imposition.

The arguments are:

changes made to legislation;
lack of policy forms;
increasing insurance limits with the addition of compulsory life insurance;
exhaustion of MTPL quotas;
lack of any documents when drawing up an MTPL agreement or drawing up with violations (errors);
compulsory life insurance, which means purchasing two policies at the same time;
unscheduled inspection of the vehicle in case of refusal of additional services, although more often than once every 3 months is excluded.

What tricks do insurers use to impose additional insurance on us?

Insurers like to hope that motorists are inexperienced and will not do any monetary double-checks. Often, MTPL insurance is calculated based on the total cost on the sly, including payment for additional insurance. servants.

Of course, many car owners do not want to enter into controversy and pay the specified amount without delving into the details and without specifying the exact amount of the policy.

Company employees impose a technical inspection, put you in a queue and take out 2 insurances at once. While the motorist waits for time to carry out a technical inspection (the queue lasts 2-3 months), he will not have a compulsory motor liability insurance policy in his hands, which means he will not be able to drive his car, because otherwise he will be violating traffic rules and a fine of up to 800 rubles.

The following alternative options may be available from insurers:

purchase additional policy immediately, so as not to wait in line;
driving without compulsory motor liability insurance for 3 months and only then undergoing an inspection and again purchasing a policy.

According to Art. 15.34.1 refusing to conclude a public compulsory motor liability insurance is illegal and officials may incur a fine of up to 50 thousand rubles! But often drivers unwittingly purchase life insurance, because there is nothing else left. So the total cost of an MTPL policy exceeds 10,000 rubles and, of course, many do not pay much attention to this.

Registration of DSAGO

A DSAGO policy can be purchased either at the office of the insurance company in person, or online on the insurance company’s website. In this case, the driver will need to upload the required copies of documents. After payment, the motorist will have access to the policy in electronic form.

Choosing an insurance company

When choosing an insurance company to purchase a DSAGO policy, you should consider several factors:

License. In the register of the Bank of Russia, you can check an insurance company for a license that allows the company to issue insurance policies. Drivers are not recommended to contact organizations that do not have a license or have any problems with it.
OSAGO insurer. Concluding a DSAGO agreement in the same organization that issued compulsory motor vehicle liability insurance for the car owner significantly simplifies further interaction between the driver and the insurance company, speeds up the process of considering an application for compensation and receiving payment.
Benefits of tariffs. Since insurers use different tariffs when calculating the cost of DSAGO, it is worth comparing offers from different companies and choosing the most suitable option.

When choosing a company, you should take into account not only the pricing policy, but also the combination of all the above factors.

Package of documents for registration of DSAGO

When contacting an insurance company for a DSAGO policy, the driver will need:

vehicle owner's passport;
driver's license;
certificate of registration of the vehicle and PTS;
contract for compulsory motor liability insurance;
power of attorney for the right to drive a car, if necessary.

It is recommended that you first check the list of documents with the insurance company where you plan to issue the policy.

What is DSAGO and how does it work

In this article we will tell you what DSAGO is and how it differs from CASCO and OSAGO. Not many people know, but payments under compulsory motor insurance do not have unlimited resources; on the contrary, the Russian state has set a maximum threshold of four hundred thousand rubles.

DSAGO is needed when compulsory motor vehicle liability insurance has exhausted itself; most often it is resorted to by those whose vehicle repairs exceed the amount of 400 thousand rubles. It is important to understand here that DSAGO is not in place of OSAGO - it is just an addition. That is, those who decide to activate an additional option will have a second policy, which simply has a larger indemnity amount. The state allowed insurance companies to independently determine the conditions for additional insurance and the maximum threshold.

How does DSAGO differ from OSAGO? The most important difference is the amount of compensation. If the amount from compulsory motor insurance cannot completely cover the damage from an accident, then an additional insurance policy comes to the rescue. Otherwise, the car owner will have to pay all remaining losses from his own pocket.

Compulsory motor liability insurance must be issued; this is required by the law of the Russian Federation, but DSAGO can be issued exclusively at the request of the vehicle owner. The maximum amount of payments under compulsory motor insurance is 400 thousand rubles, while for DSAGO it is not limited. The more the client requests for compensation in case of an accident, the more he himself will pay for using the additional option.

Why do you need a voluntary insurance policy (VIA)? It is primarily needed in order to increase the amount of possible expenses. Let's assume that you have an accident and in order to repair your car, you need a million rubles. So, we have two policies - OSAGO and DSAGO. The first one will cover only four hundred thousand rubles, but the remaining 600 will be covered by DSAGO. By the way, as practice shows, only a few purchase a DSAGO policy.

How to apply? Exactly the same as a compulsory insurance policy - through a company. You can contact the same one with which you previously collaborated, or you can find a new one, the tariffs and conditions are different everywhere, choose the ones that suit you best.

IMPORTANT! The company must have a special license to issue an additional DSAGO policy. If you are in doubt, then you will need to look at the BR register. If the license is missing, or has been previously revoked/restricted, then abstain or find another company. Of course, the best option would be if you sign an agreement for both policies with the same insurance company. In general, look at the tariffs and choose the most profitable option for you.

How much does a voluntary insurance policy cost and what does the price depend on? The insured amount is a kind of insurance threshold, the maximum cost of payments that the company's client will receive upon the occurrence of an insured event. In simpler terms, if you draw up an agreement for the amount of three hundred thousand rubles, then you will pay 1200-2000 rubles. And if the maximum cost is 3 million rubles, then shell out 12-18 thousand rubles.

There are also a number of factors that insurance company specialists pay special attention to. The insurer will definitely ask about the year of manufacture, engine power, as well as the number of drivers driving the car. Experts have studied statistics and linked the number of accidents and the experience of motorists; now your driving experience is also an important criterion.

Peculiarities. As mentioned earlier, the DSAGO policy is voluntary, based on this, the owners of insurance companies come up with their own conditions and tariff packages, because it is important for them to attract as many users as possible.

It happens that insurers set the bar at one million rubles, but these are only those who do not want to take risks. You can also find insurance companies that will draw up a contract for thirty million rubles. But don’t forget, the larger the final payments, the higher the amount you will pay for using the service.

You may also be offered a deductible under which you pay for damages for minor accidents yourself, while the insurer will cover payments for major accidents.

If you are involved in an accident, then collect the necessary package of documents and provide it to the insurer. After submitting insurance documents, the company will make a decision on insurance compensation.

In conclusion, it must be said that a DSAGO policy is needed in order to expand the amount of insurance coverage in the event of a traffic accident. Typically, payments under DSAGO are received within twenty working calendar days.

What is DSAGO - rules and procedure for registration

DSAGO is a type of voluntary civil liability insurance for vehicle owners. The main difference between compulsory motor liability insurance is that it is not mandatory. Pricing policies and conditions vary significantly among insurance companies, as they are regulated by the company itself.

Who is this insurance suitable for?

First of all, DoSAGO insurance is relevant in large cities where a large number of expensive vehicles are driven. For example, most foreign cars under 5 years old have an insured value of more than 400 thousand rubles. even taking into account depreciation, therefore, in the situation of a total insurance event - an insured event in which the car is no longer subject to restoration - the compulsory motor liability insurance policy will not be able to reimburse all expenses to the culprit of the accident.

It is also necessary to take into account factors that increase the risk of a traffic accident. These include:

Age and experience of the driver. The younger the motorist, the (usually) more dangerously they drive. The more inexperienced he is, the more likely he is to get into an accident. Similar logic is used when calculating the coefficient for age and length of service in OSAGO.
General driving style, for example, if the driver is prone to recklessness and creating dangerous situations on the road.
The type of roads on which the car owner most often drives. For example, on highways the speed limit is much higher than in urban areas, so the likelihood of getting into an accident is greater there.

Please note that the same logic applies to DoSAGO as to OSAGO: the policy applies to all road users except the driver; Accordingly, to expand coverage regarding the life and health of the car owner, it is necessary to purchase separate insurance.

What are the pitfalls?

It is important to remember that DSAGO does not cover the losses of the person at fault in an accident. That is why you should not hope for compensation if the policyholder himself caused the insured event.

The DSAGO policy is not equivalent to CASCO. It is not possible to purchase a policy of the type in question without compulsory motor liability insurance. It is advisable to conclude a DSAGO contract with the same company where the contract for compulsory motor third party liability insurance was concluded.

If contracts are concluded in different insurance companies, then various conflicts of interest may arise, which may lead to the impossibility of receiving insurance payment.

It is important to be as careful as possible when purchasing DSAGO. Since policies of this type do not have a format prescribed by law. That is why it is very often counterfeited by scammers.

Therefore, it is necessary to pay attention to many different nuances: the presence of protective holograms, watermarks, paper thickness.

Today, the problem of fraud with voluntary motor liability insurance policies is more relevant than ever before.

You should also be careful about the dates indicated in the contract. You should not purchase a policy retroactively.

Since this can subsequently lead to all sorts of troubles: problems with obtaining monetary compensation in the event of an insured event and other similar things.

What determines the cost of the policy? Is it possible to save money?

The cost of insurance depends on:

selected sum insured;
car power;
driver's experience;
number of people allowed to manage.

When purchasing a policy, you can get a discount for a break-even drive (if this is not the first case of insurance), as well as choose a large deductible and aggregate sum insured, which will also help reduce insurance costs. If policies are purchased as a package (MTPL + CASCO and DSAGO), then discounts for comprehensive insurance are also possible.

How to calculate? Calculation procedure and example

On average, the price of DSAGO varies from 0.25% to 0.5% of the limit of payments for insurance damage. For example, if you choose coverage of 300,000 rubles, then the policy will cost from 750 to 1,500 rubles.

Title insurance

This is insurance that protects not real estate, but the person’s ownership of this real estate. This service is used when purchasing an apartment, for example, if it was purchased with a mortgage. Banks often require title insurance and increase the rate for those who refuse to purchase this insurance.

How much does the policy cost?

The average cost of the policy is 0.5–1% of the cost of housing. That is, with an apartment costing 6 million rubles. the price of title insurance can vary from 30,000 to 60,000 rubles. Expensive, but also worth the money we could lose.

When is title insurance useful?

For example, you bought an apartment, and the court declared the transaction invalid due to the fault of the seller, as a result you were left without housing - in case of fraud, incapacity of the seller, or the court declared the transaction illegal. The insurance company will be obliged to compensate you for the market value of the lost apartment.

DOSAGO what is it and why is it needed

In the event of a more or less serious accident, the amount of 120 (160) thousand rubles may simply not be enough. In this case, repairs to someone else's property will have to be paid for out of your own pocket. This is followed by an offer to buy the DSAGO extension and instantly get rid of the impending threat.

It’s not that they are obviously deceiving us, they are just trying not to tell the whole truth. Don’t be alarmed, the DSAGO policy really works and if a significant accident occurs, the insurer will compensate for the damage. The catch is different: the likelihood of such events is grossly exaggerated. Real statistics say that the damage from an average accident is 15,000 rubles. In urban environments, most accidents are limited to minor scratches. It is quite difficult to manage to damage even an expensive foreign car worth 120,000 rubles. In addition, even after exceeding the liability limit, not every motorist will go to court with the culprit of the accident, because this is a waste of time, and the prospects are quite vague.

According to independent experts, the expansion of compulsory motor liability insurance will be really useful:

Young and inexperienced drivers. When driving for the first time, a person is exposed to enormous stress. Lack of experience and insufficient knowledge of traffic rules act as emergency magnets. In this case, voluntary insurance protection will not hurt.
For lovers of high speed and aggressive driving style. If you are a supporter of hard driving and regularly violate traffic rules, then DSAGO insurance is simply necessary for you.

But oddly enough, OSAGO extensions are usually purchased by experienced motorists who have bought into the tricks of insurance companies. As a result, insurers receive excess profits, because there are practically no payments under DSAGO. This is one of the most break-even types of auto insurance. Now, after highlighting an alternative point of view, you can make an objective and independent decision about the need to purchase this insurance product.

Pros and cons of DoSAGO

The extended type of insurance has its advantages and disadvantages. Positive qualities include:

In the event of a serious accident, when the amount of damage exceeds the maximum amount of payments under compulsory motor liability insurance, the driver will save money on additional payment.
There is no need to hire a lawyer during legal proceedings. The insurance company will represent you in court.
The insurer will deal with all controversial issues. More often than not, the case does not go to court. You will not have to pay a court fee.
There will be no need to make any pre-trial payments.

The disadvantages include:

Most often, companies combine OSAGO and DoSAGO. It goes towards the main insurance.
Not all insurance companies provide this type of insurance.
The payment rate depends on the condition of the car, so some companies require the car to be inspected.
In case of bankruptcy of an insurance company, payments under DoSAGO are not provided.

Car insurance CASCO and OSAGO. What and from what can you protect?

Since the service is purely voluntary, it provides a fairly voluminous scope of functions, affecting various aspects of insurance and payments.

Important! Compulsory insurance payments are made in any case, even if the insurance company has gone bankrupt or its license has been revoked. Compensation for damage is provided by the Russian Union of Auto Insurers. As for DSAGO, RSA does not support this program. Therefore, in case of problems with the insurance company, the driver will have to solve them independently.

Vehicle insurance is a mandatory procedure in Russia, regulated by law.

The first traffic police inspector who “catch” a driver without an insurance policy will issue him a fine of 800 rubles.

The “imputed type” of car insurance is called compulsory motor liability insurance, and in the event of an accident, this policy will cover the expenses of the innocent driver, and will allow the culprit not to pay for someone else’s repairs from his own pocket.

All the nuances of compulsory and voluntary insurance can be found out in the relevant company

But you will still have to pay to restore your own car. Those who do not want to do this choose additional car insurance - CASCO. This is a voluntary type of insurance that will save nerves and money in case something happens to the insured car.

CASCO covers not only accidents; the list can include an extensive list of troubles, including thefts, car fires or damage due to natural disasters.

Now let’s take a closer look at the differences between CASCO and MTPL, besides the mandatory or voluntary approach to insurance.

What is OSAGO

OSAGO is liability insurance of the car owner to other drivers. The abbreviation stands for “compulsory automobile civil liability insurance,” in other words, the insurance does not apply to a specific car, but is a kind of guarantee to other motorists. In the event of an accident, this policy covers three things:

damage caused to another vehicle;
damage caused to another driver or passengers;
damage caused to pedestrians.

Simply put, if a driver gets into an accident and crashes someone else’s car or injures a pedestrian, the insurance company will pay the amount of damage for him.

It is important to understand that a driver injured in an accident will contact the at-fault driver’s insurance company to seek compensation.

The culprit will have his car repaired at his own expense.

The driver needs a compulsory motor liability insurance policy from the moment ten days have passed after purchasing the car - this time is given just for registration actions.

After the insurance procedure, you should always carry the document with you or be ready to demonstrate it on the screen of your gadget if the compulsory motor liability insurance is issued in electronic form.

You can include several drivers in the policy, or you can purchase “open” insurance - then anyone who has the right to drive can get behind the wheel of a car. Why is this necessary?

Often, relatives who also use the car or other close people are included in the compulsory motor liability insurance – in case of an unforeseen event. An “open” policy is often taken out by legal entities or people renting out a car, for example, as a taxi. This is convenient in situations where it is impossible to know in advance who will be the driver of the vehicle.

Federal Law No. 40-FZ “On compulsory insurance of civil liability of vehicle owners”

How to get OSAGO?

To become the owner of compulsory car insurance, you need to choose a company that provides similar services in your locality. Note that many drivers choose an insurer based on the price of the future policy, so it is advisable to first contact several organizations and make calculations.

The insurance agent must provide the following documents:

Car owner's passport.
The rights of all persons who are planned to be included in the policy.
Vehicle inspection certificate valid for a year.
Documents for the car (PTS, registration certificate).

There is no single price for compulsory car insurance. Tariffs for compulsory motor liability insurance are set by the Central Bank, but the amount will be individual for each driver.

It consists of the total driving and accident-free experience, the year of manufacture of the vehicle, its power and even the side on which the steering wheel is located (it is more expensive to insure a right-hand drive car).

These parameters are called calculated and each of them is affected by increasing and decreasing coefficients.

The more powerful and older the car, the more expensive the insurance policy for it

In order to preliminarily calculate the amount of money that you will have to pay for compulsory motor liability insurance, you can use an online calculator, which is available on many sites.

For example. The cost of compulsory motor liability insurance for a driver from Moscow over 22 years old, with a driving record of 5 years, who owns a passenger car with a capacity of up to one hundred horsepower, will be nine thousand rubles per year.

Most often, insurance companies provide discounts to regular customers who buy policies from them year after year, while driving carefully and not getting into accidents through their own fault. For such motorists, a price reduction of up to fifty percent of the base rate is provided, the so-called “break-even bonus.” In Russia, this rate is three to four thousand rubles.

The classic option for obtaining compulsory insurance is one year. This is the maximum period of validity of compulsory motor liability insurance, after which it is necessary to re-insure. The minimum insurance period is three months; you can also choose intermediate compulsory motor liability insurance – for six months.

Payments under OSAGO

The MTPL rules indicate the maximum payments that injured road users who are involved in an accident can receive. Let's look at these amounts.

Table 1. Maximum amounts of payments under compulsory motor liability insurance

Property damage	No more than 500 thousand rubles
Harm to health and life	No more than 400 thousand rubles
Compensation to loved ones upon death of the victim	No more than 135 thousand rubles
Compensation for funeral expenses of the deceased	No more than 25 thousand rubles

Payments for damaged property are calculated as follows:

if the property is damaged, the insurance company will compensate for the costs of bringing it to pre-accident condition;
if the property is completely destroyed (repairs are equal to or exceed its pre-accident value), its market value at the time before the accident occurs is paid;
other expenses related to the accident are paid (payment for a tow truck, work of emergency commissioners, etc.).

Regarding injured people, they are compensated for the amount spent on treatment and the purchase of pharmaceuticals and money not received at work as a result of sick leave.

For compulsory motor liability insurance, simplified payments are also provided, which apply only in situations where damage is caused only to property, and the amount of damage does not exceed 50 thousand rubles. In this case, the driver of the injured vehicle can contact his insurance company (and not the insurer of the person responsible for the accident) and receive money or the opportunity for free repairs.

A driver who is going to contact an insurance company to receive compensation under compulsory motor liability insurance should know which cases are not considered suitable for payments. The MTPL policy does not include:

Road accidents during training driving, competitions, races, vehicle testing;
damage to vehicles during transportation of goods, loading and unloading;
injuries or deaths in an accident involving a single vehicle (without the participation of a second driver);
in case of an accident committed with malicious intent (in the hope of receiving insurance payments);
Damage to a vehicle as a result of natural disasters, war, demonstrations and rallies and other force majeure.

What is CASCO?

The abbreviation CASCO stands for “comprehensive automobile insurance, except liability.” It follows that voluntary insurance only covers damage associated with the insured vehicle. However, this should not bother the owner - he still has MTPL, which insures liability.

CASCO insurance allows the vehicle owner to receive full compensation for any incident that occurs with the vehicle - on the road, while driving, or in the parking lot, even if the car is parked in a garage.

There is no need to carry a CASCO policy with you - the traffic police inspector will never ask the driver about voluntary insurance, and after the occurrence of any insured event, the person will have enough time to take the document from home or office

What is included in CASCO?

Each company establishes a complete list of insured events that can be covered by voluntary auto insurance individually. To have an idea of CASCO loyalty, we will present some of the most common situations in which a car owner can count on compensation:

an accident involving two or more vehicles (regardless of who is at fault);
an accident without other vehicles (drove into a ditch, crashed into an obstacle, a tire burst on the highway, etc.);
The vehicle was damaged by falling snow and ice from the roof of a house or in a similar case (a heavy object fell or was thrown, a stone flew into the windshield, etc.);
the parked car was scratched, the mirror was knocked off, the wheels were “removed” or other damage was caused;
The vehicle was damaged by a natural phenomenon (hail, lightning, flood, etc.);
the car was stolen;
auto fire that destroyed a vehicle and the like.

It is easy to understand that the insurance company is ready to provide protection against any misfortune that can happen to a person's four-wheeled property. The completeness of the list of insurance cases depends only on the amount that the motorist is willing to pay for CASCO.

There are also times when a car owner is obliged to buy CASCO insurance. This applies to new cars purchased on credit from a dealership. Most Russian credit institutions make the purchase of a CASCO policy an indispensable condition for obtaining a loan. As long as the car is collateral, the CASCO agreement will need to be renewed annually.

CASCO cost

The high price of voluntary insurance is a logical disadvantage of this whole event. Insurers, of course, do not risk their own money and do not hesitate to raise the cost of CASCO at their own request. Note that, unlike the price of compulsory motor liability insurance policies, prices for voluntary insurance are not regulated by anyone except the insurance companies themselves.

From the article you will learn how MTPL differs from CASCO, what risks are covered by the policies, how compensation is paid, and whether you need insurance at all.
Car insurance includes two options for providing insurance coverage: CASCO and OSAGO.
Many motorists confuse these concepts and do not understand in which cases they can count on compensation, and in which cases they are not entitled to payment at all.
Let's figure out how MTPL differs from CASCO, what each policy covers, and what option the car owner should have.

To whom and in what cases do experts recommend extended compulsory motor liability insurance?

No one, even experienced drivers with experience, can absolutely count on the fact that on one, not the best day in their lives, they will not become the culprits of an accident. And it’s far from a fact that a third party will get away with minor scratches on the car and their own face. Material costs in size can be simply catastrophic.

Attention! Insurance companies may refuse to issue a contract to persons who have a critically low bonus-malus ratio, who are registered with the PND, and who suffer from acute heart disease. Considering the high risk of such citizens committing an accident, insurance companies strive to protect themselves as much as possible.

Distinctive features

Compulsory motor liability insurance implies compulsory insurance of car owners, which protects victims of accidents at the state level. The maximum insurance payment of funds for the restoration of a car, starting from 2021, is 400,000 rubles, and if the damage caused to the victim’s car is much more than this amount, then the culprit will pay the difference from his own wallet. That's when DSAGO is needed.

And why is it needed? Purchasing a policy is explained by the opportunity to increase insurance compensation and remove the risk of paying for the damage caused to the at-fault car owner. Who needs a DSAGO insurance policy?

IMPORTANT !!! Now experts recommend purchasing DSAGO insurance for most car owners, due to the dense traffic flow on city roads and increasing car prices. The car owner can choose a limit from 1.5 to 2 million.

What is DSAGO, it is a way of financial protection for the car owner:

DSAGO insurance expands the capabilities specified in the MTPL agreement.
It is concluded at the request of the policyholder, while the policyholder determines both the amount of compensation funds and the amount of the first installment.
Payment of compensation funds under MTPL occurs if the amount of insurance payment under the MTPL agreement is not sufficient to restore the damaged vehicle.
The amount of the largest compensation payment after an accident is chosen by the car owner himself. The maximum compensation for insurance ranges from 300 thousand rubles to 15 million rubles.

Therefore, DSAGO insurance, like CASCO insurance, in simple terms sounds like extended car insurance.

Frequently asked questions about DSAGO

How to choose a company for DSAGO insurance?

DSAGO insurance is a popular procedure for many regions of the country. However, increasing cases of fraud and “speculation” on this issue have forced companies to significantly tighten measures.

SK Alpha company. The company offers to issue an individual SAGO policy only together with CASCO. This agreement does not apply to cars produced by domestic manufacturers that are more than 5 years old and foreign cars that are not more than 10 years old.
Rosgosstrakh. Like any other company, Rosgosstrakh provides individual SAGO only if an additional CASCO policy is issued. However, the price of registering an individual SAGO in this company may seem significant. Let’s say if your car costs, for example, 150 thousand rubles, then a fifth of it will have to be spent when taking out a policy.
SK RES-Garantiya. A good company that offers services for issuing an individual car insurance policy. However, this company has a limitation: when registering your vehicle, the amount of coverage cannot exceed half a million rubles.
SK ASK. A reliable company, but there are certain nuances. In addition to the insignificant price of insurance coverage, upon the occurrence of an insured event, an emergency commissioner will definitely arrive at the scene of the accident and record the damage caused. This is all done to avoid possible speculative situations.

The current DSAGO rules significantly limit car owners, however, the demand for this service does not fade. Perhaps the government will introduce appropriate amendments, thereby helping to resolve this issue, taking into account the wishes of motorists.

In what situations is it not allowed to receive payments under DSAGO?

Every person purchasing this policy should know which situations are not recognized as an insured event. Usually, insurance company employees are silent about this, so you should understand these features yourself. Such cases include:

the owner of the car caused any harm to the environment;
the driver was involved in an accident while intoxicated, and this includes not only alcohol, but also drugs, as well as medications, the use of which is prohibited from driving;
if the car was driven not by the insured person himself, but by his friends or relatives who are not included in the insurance;
the accident occurred while the driver was performing work under an employment contract, so compensation for damage must be carried out by the employer;
during a training ride;
when participating in various competitions;
the vehicle was damaged as a result of force majeure;
if there was cargo in the car at the time of the accident, then the insurer does not pay the insured amount for its damage, so the cargo must be insured separately;
if there were more people in the car than indicated in the car’s passport;
payment will be refused if the car documents are overdue

The driver’s refusal to undergo the examination may also result in the insurance company not paying funds to cover losses from the accident.