Compare CASCO insurance in different insurance companies online

Many car owners who decide to insure their car in case of damage, theft and other unfavorable situations or are forced to purchase a policy due to the requirements for insuring a loan agreement want to buy CASCO cheaply. There are a huge number of insurance offers on the market.

But figuring out which insurance company to sign up for CASCO insurance with is profitable and cheap is not easy. It will be necessary to take into account the features of this type of insurance and the formation of the cost of the policy for it and a number of nuances of this insurance.

General information

CASCO is one of the car insurance options. Unlike MTPL, such a policy is issued voluntarily. The law does not oblige you to purchase additional insurance, but many drivers prefer to buy cheap CASCO insurance, which is explained by several significant advantages.

The main advantage is that the policy covers the costs of the driver, and not of third parties injured in an accident. In the event of an emergency, the insurance company is obliged to provide the owner of the vehicle with money to compensate for the damage. Moreover, the amount of the amount is agreed upon in advance for each specific case.

The policy protects against the following situations:

• Vehicle theft;
• Damage caused by an accident or fire;
• Natural or man-made disasters;
• Acts of vandalism against a car.

Attention! The full list of cases in which the company provides guarantees of timely compensation for damage depends on a number of factors: the insurance program, the specifics of the car, and the region of residence.

The main disadvantage of the policy is its high cost. Therefore, in order to reduce the cost of additional insurance, you need to figure out how to buy a profitable CASCO insurance.

The most profitable insurance companies with cheap CASCO in 2021

It is quite difficult to decide on your own where it is more profitable to purchase CASCO insurance in 2021. The list of companies offering this service is quite large. Analyzing each proposal and choosing the appropriate option will take a lot of time. At the same time, there is always a chance to miss an important point in the conditions or tariffs.

The rating of companies with cheap CASCO simplifies the choice of the optimal offer from the insurer. It included companies with high reliability scores, the most favorable rates and conditions, and those that received the largest number of positive reviews from real customers.

Tinkoff Insurance - the most profitable online CASCO for the bank and not only

Tinkoff Insurance offers the most profitable CASCO insurance on the market with remote registration. The choice of conditions and payment is made online, and the policy is delivered by an agent at any convenient time and place. If it is necessary to inspect a car, specialists also go to the client, rather than asking them to come to the office.

Features of the CASCO offer from Tinkoff Insurance

• When paying with a Tinkoff Bank card, you can get cashback. If you don’t have a card yet, you can pre-order it with free delivery to any convenient location. Credit cards and debit cards are available to choose from.
• Flexible terms and minimum prices. You can purchase a policy even for 1 month. The cost of insurance protection will be only from 2000 rubles/month.
• Taking into account driving experience when calculating the cost. Experienced drivers receive a discount of up to 30%.
• Repair by proven services. To repair headlights, glass and mirrors, it is not necessary to submit various certificates. In the event of a serious accident, the company can provide the services of a tow truck and emergency commissioner free of charge.
• 3 types of insurance coverage to choose from. The client can independently choose all types of insurance coverage or insure only against certain risks - “Damage”, “Theft” and “Total loss”.

Find out the conditions and application at Tinkoff Insurance

Renaissance – car insurance policy with discounts and at a competitive price

Renaissance Insurance offers one of the most profitable CASCO insurance in 2021. The company offers a wide range of options that allow you to fully manage the cost of insurance protection.

Features of CASCO from Renaissance

• Basic coverage includes a deductible of 20 thousand rubles. and repairs at the technical center. The client also has immediate access to free tow truck services in case of an accident, 1 time - replacement of headlights, mirrors or glass without collecting certificates. If desired, you can take out insurance with repairs from an official dealer, without deductibles, etc.
• The ability to obtain only CASCO insurance against theft is cheap. In this case, the price of the policy will be almost 2 times lower, and the insurer will make payments only if the car is stolen.
• Availability of the opportunity to reduce the cost of the policy by issuing CASCO with telematics or mileage restrictions. For careful drivers who constantly use the car, the SafeDrive program with the installation of a telematics device to control driving style is suitable, and the option with a mileage limit will be of interest to motorists whose mileage does not exceed 12,000 km per year.
• Wide range of options. You can not only purchase CASCO, but also immediately order the rental of a replacement car for the duration of the repair, include the use of the car in a taxi in the coverage, etc.

Leave an online application at Renaissance Insurance

Mini, Micro and standard CASCO from Sovcombank Insurance

MiniCasco from Sovcombank
Sovcombank Insurance is a fast-growing and reliable company offering online CASCO registration at a competitive price. The company offers various types of CASCO - Mini, Micro and standard CASCO. The difference between them is that they involve different risks. This allows you to significantly save on purchasing a policy and not pay for unnecessary options.

Features of CASCO programs from Sovcombank

• With a franchise you can save up to 20% of the cost of the policy. It can be included from both the first and second insured event.
• You can get a Mini Casco, which will cost 70% less than a regular one.
• You can get an additional discount for paying for your policy online.
• You can also reduce the cost of your policy by driving carefully. If you have not had an accident in the last few years, then you can count on additional savings.
• It is possible to pay with a Halva bank card and receive cashback or installments.

Find out more and calculate CASCO insurance at a discount at Sovcombank Insurance

Rosgosstrakh is a popular company for car insurance against theft and damage.

Rosgosstrakh is one of the largest insurers in the Russian Federation. He offers a profitable CASCO insurance for a new credit car or a car you already own. When calculating the cost of the policy, the history of compulsory motor liability insurance is taken into account.

Features of insurance under the CASCO program from Rosgosstrakh

• At the client's choice, insurance is possible with or without a franchise. In some products, you can also choose an aggregate (decreasing) or non-aggregate (fixed, regardless of payments made) sum insured.
• You can purchase CASCO for a bank cheaply in installments for 3 months or six months. Down payment – ​​40-50%. For non-credit cars, the “50/50” program is available, according to which the second half of the insurance premium must be paid only if an insured event occurs.
• In case of an accident, you can apply without certificates from the Ministry of Internal Affairs and/or the State Traffic Safety Inspectorate. Customers with a valid auto hull insurance policy are served out of turn at the company's loss settlement center. If the damage is minor, the car owner will receive a referral for repairs within a maximum of 3 days.
• Providing a tow truck in case of an accident. The company compensates the cost of the service within 3 thousand rubles.

Apply for a CASCO policy at RGS

CASCO insurance at a low price in Soglasie insurance company

The Soglasie company is a cheap insurance company that offers CASCO insurance on flexible terms. From the company you can choose to take out insurance covering the territory of coverage - the Russian Federation or the whole world.

Features of CASCO insurance in Soglasie insurance company

• The standard program includes payments without taking into account depreciation. The option is called “GAP insurance”.
• Accelerated settlement of losses through the “SrazuService” program. You can submit an application for insurance payments and submit all the necessary documents immediately to the service station, and you can make an appointment for repairs by calling the contact center.
• All policies include free towing services. Customers also have access to repairs (replacement) of glass or 1 body element without any additional payment without any additional payment.
• Thanks to paid options, you can not only purchase a profitable car insurance policy for the bank or yourself, but also customize the insurance program for yourself. The options “Technical assistance”, “Repair without certificates of 2 body elements”, “Privilege” are available.

Application for CASCO insurance at Soglasie Insurance Company

How to make calculations

Finding out the price of a policy on your own is quite difficult. This is explained by the fact that the cost is formed taking into account numerous criteria. It may differ from company to company, even if they offer exactly the same conditions for insurance.

Factors influencing the price:

• Driving experience;
• Age of the vehicle;
• The presence or absence of fixed traffic violations;
• Specifics of the region (criminogenic situation, climatic conditions, frequency of natural disasters);
• Availability of a franchise;
• Car make and model (affects the frequency of theft);
• Availability of a functioning anti-theft system;
• The amount of basic tariffs for a specific type of damage;
• Purchase method and credit history (for car loans).

There are formulas that allow you to make your own calculations. Using this procedure, you can find out where the cheapest CASCO insurance is. For reliability, most companies use a calculator when determining the cost of a policy, into which all the necessary coefficients are first entered. This allows you to significantly simplify the calculation and eliminate possible errors.

How to make insurance cheaper

It is very difficult to purchase CASCO profitably, especially for drivers who have previously faced such a need. Without using different methods, the purchase can be extremely costly. Therefore, you need to determine how to issue a policy on favorable terms.

Franchise

In car insurance, this means a certain amount of money that is not reimbursed to the driver in the event of an accident or other situation provided for by the program. For example, if a car is insured for 1 million rubles, and the franchise amount is 100 thousand, then in the event of an insured event the driver will receive only 900 thousand.

This option allows you to buy CASCO insurance cheaply. The costs associated with purchasing a policy are lower. In this case, the list of insurance cases is the same as when registering without a franchise.

Discounts

Many companies offer offers to sell policies at a profit with bonuses or benefits for drivers. Discount promotions are often held on the occasion of major holidays. In addition, those who constantly use the services of a particular company and have a safe approach to driving can reduce the price of CASCO insurance.

Despite the possibility of receiving a discount, it is important to be careful when purchasing to avoid any pitfalls. Availability of promotions and preferential offers should be checked directly with company representatives.

Selection of service station

When drawing up an agreement, companies often offer a list of service stations and a list of services provided at them. Sometimes this is, of course, very convenient. For example, if a car is involved in an accident, service station employees evacuate the vehicle, complete paperwork, and carry out repair work. However, in some cases such services are not needed. Therefore, if you reduce the service content, leaving only the essentials, you can make the purchase of the policy inexpensive.

Purchase by installments

When considering where to buy CASCO insurance cheaper, most drivers are faced with an offer to purchase on credit. Almost all insurance companies provide this opportunity. However, this does not mean that taking out a policy will be cheap.

Usually the CASCO price is divided into 2 equal parts. But there are other payment methods (for 3, 4 or more payments). Taking into account the bank's commission for providing installment plans, it may end up that the total amount significantly exceeds the initial cost of the policy. Therefore, when choosing this purchase method, you should carefully read the terms and conditions.

Selection of cases

A standard CASCO policy applies to the most common insurance situations.

These include road accidents, car fires, natural disasters, illegal actions to the car by third parties (damage or theft).

Sometimes the policy includes events that have a minimal probability of occurring. Then the driver can exclude them from the list of insurance situations and the cost of insurance will be lower.

Ensuring vehicle safety

If the car is equipped with a modern safety system, and the driver strives to maintain the condition of the car by following traffic rules and careful driving, then the likelihood of receiving a discount when applying for CASCO increases. Minimizing potential risks allows you to reduce policy costs, but this requires a number of conditions to be met.

Among them:

• Constant use of anti-theft systems;
• Storing the vehicle in a personal garage;
• It is allowed to leave your car only in paid guarded parking lots;
• Installation of satellite tracking systems;
• Application of auxiliary alarms.

It is important to know! In addition, you can get a discount on CASCO insurance if the owner has completed a safe driving course. It also takes into account the driver’s experience and the presence of accidents in the past.

What could be the pitfall of cheap CASCO insurance and how to choose the right company?

The main pitfall of cheap CASCO is often associated with an incomplete set of insurance risks in the advertised program. Connection of each additional option is carried out for a separate fee. As a result, the total final cost of the policy may be significantly higher than the original cost.

There are quite a few insurers on the CASCO insurance market. When choosing a company to purchase a policy, you need to consider the following points:

• Reliability of the company. Small companies often offer cheap CASCO insurance. They can exist on the market for literally several years and then go bankrupt. You need to choose only reliable insurers who already have experience in the market.
• Selection of service station. Many companies offer a choice of service from an official dealer or third-party services. This point is especially relevant for new cars. But service from “officials” will cost more. Some insurers may also offer compensation in lieu of repairs, but this option will cost even more.
• Aggregate (reduced) or non-aggregate payment amount. With an aggregate scheme, with each payment the total sum insured decreases, but the policy is cheaper.
• Size and rules for applying the franchise. They can be set as a percentage or a fixed amount. The deductible can be applied to all insured events or only starting from the second one in a year.
• Covered risks. If you insure the car only against theft and total loss and theft, the policy will be cheaper, but if damaged, you will have to restore the car at your own expense.

If you plan to insure a pledged car, then you must take into account not only your own desires, but also the bank’s requirements for the insurance policy. Many credit organizations even offer insurance only from accredited companies.

Choosing an economical program

Companies offer different types of CASCO insurance. They differ in terms of insurance and, accordingly, in cost. Choosing a certain type of policy allows you to reduce purchase costs.

CASCO 50 x 50

This program allows you to purchase CASCO insurance at half price. When taking out a policy, the driver pays 50% of the cost. At the same time, the list of cases and others

important features are the same as in standard CASCO.

However, if an insured event occurs, the owner of the vehicle is obliged to pay the remaining 50%. The disadvantage of this type is that not all drivers are given a fifty percent discount.

Mini Casco

This policy offers reduced indemnity limits for accidents and other situations. The owner of the vehicle will receive funds only if he is proven innocent of damaging the car. At the same time, the cost of mini comprehensive insurance is significantly lower than that of standard insurance.

It is important to know! With such a policy, you can insure specific elements of the car, such as the body or glass. This method is considered the most appropriate for accidents with minor damage.

Total

The presented program is intended to compensate for damage in the event that the car, for certain reasons, is damaged so much that it cannot be restored, or its repair is too expensive. The driver is reimbursed up to 80% of the price of the car. The advantage of a total policy is that there are quite a lot of cases in which the vehicle is destroyed. Therefore, insurance companies offer insurance at an affordable price.

How to receive payments under CASCO

Depending on the situation, first of all you need to contact the police, ambulance, fire department - 102, 103 or 101, respectively. Damage to the car must be reported to the police immediately after identifying this fact. If a person leaves the scene of an accident, then police officers will not be able to reconstruct the course of events and the cause of damage to the car. They will not indicate in the protocol why and how the car was damaged, as a result of which the insurance organization may refuse to pay the client.

Then you need to inform the insurance company employees about the incident. It is recommended to always have company contacts and CASCO details with you - it is better to save this data in the memory of your smartphone.

The next step is to order an assessment from an independent expert bureau. Next, you need to send a written statement to the company demanding compensation for the damage. Documents related to the insured event and expert opinions are attached to the application.

There are situations in which CASCO compensation is not provided, for example:

• the incident that occurred is not insured;
• It was not the car that was damaged, but the driver or passenger;
• the owner or driver of the car himself damaged the car, wanting to receive payments, which was revealed during the expert assessment;
• the client provided false information;
• the client violated the terms of the contract - for example, he informed the company about the accident only a few days later;
• the driver was driving who did not have a driver’s license or was not listed on the policy;
• the car was damaged due to its natural wear and tear;
• the car was not used for its intended purpose - for example, as a racing car, taxi;
• the driver was drunk and under the influence of drugs.

Also, compensation is not provided if the insured event occurs after the end of the contract.

Some contracts provide for denial of insurance compensation if the driver is at fault in the accident. So, if a person drove onto the road in an initially faulty car, was in oncoming traffic, or drove through a red traffic light, which led to an accident, then company employees are unlikely to regard the incident as an insured event.

If the client believes that the insurance company has violated his rights, he needs to send a complaint describing the circumstances to the Bank of Russia. Grounds for filing a complaint may be an unreasonable understatement of the amount, refusal to pay, or delay in payments.

Which company to buy from?

To find out where CASCO is cheaper, you need to familiarize yourself with a large number of offers from various companies. Often, upon careful study of the conditions, it turns out that taking out a policy is not as profitable as it seems at first glance. To eliminate potential risk, it is recommended to consider the rating of insurance companies.

Large insurance companies where you can obtain CASCO insurance at a profit include the following:

• Tinkof;
• Renaissance Insurance;
• Alpha Insurance;
• Rosgossstrakh;
• RESO;
• Ingosstrakh.

There are also a large number of other insurance companies where you can get CASCO insurance on favorable terms. However, this option is considered less feasible due to the potential risk to drivers.

Taking out an insurance policy is a pressing problem for many car owners. Purchasing CASCO insurance can become an extremely costly procedure if you do not know how to make a profitable purchase. To insure a car on favorable terms, you need to carefully study the services offered, take advantage of promotions and discounts.

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.