“RESO-guarantee” online CASCO calculator – choosing the “right” insurance

Conditions of CASCO insurance programs

The company operates in several areas that relate to life and health insurance of clients, motor transport and additional equipment, activities and business of policyholders.
Therefore, IC "Reso" cooperates with both private and corporate clients.

https://www.youtube.com/watch?v=POkXz_8Puck

The main CASCO insurance program is AvtoRESO. Its conditions apply to cases of theft and theft. The company offers this tariff even for motorists who at that time have insurance in another insurance company.

Let's get acquainted with all the nuances in detail.

The conditions of the analyzed program are considered basic, therefore the following proposals differ on one or more points.

Many clients willingly choose the Economy program because it is designed for acceptable conditions (basic list without additional services), but the payment is small.

You can buy such a policy for both domestic and foreign passenger cars, as well as SUVs and minivans with a year of manufacture no more than ten years old.

Control of the execution of services is controlled by a 24-hour dispatch center from the insurance company. A CASCO agreement can be concluded for twelve months. You can apply for “RESOauto Help-Economy” in installments if the client is already cooperating with this insurer.

“Reso CASCO theft” in terms of the number of completed contracts is already being compared with the car accident insurance program. This is due to the favorable conditions provided.

The choice of insurance programs allows clients to choose the most suitable conditions for them, which contributes to the growth of the company’s popularity and increase its rating among competitors.

Special CASCO insurance programs are distinguished by a variety of options, from which you can easily choose the best one for any category of car owners.

The RESOauto program includes high-quality services of a commissioner (emergency) and full technical assistance on the road. Any vehicles are subject to insurance, even those not registered with the traffic police. The client has the right to choose one of three methods of compensation for damage, which to varying degrees affect the cost of CASCO from Reso Guarantee.

For drivers who are confident in their professionalism, the Theft Only package is suitable, providing insurance protection for vehicles not older than 12 years and not necessarily equipped with additional alarm devices or a search system. The price of the policy does not depend on the driving experience and age of the client.

For clients who have insured a vehicle through RESOauto at a price of 3,000 thousand rubles. with an annual cost of at least 150 thousand rubles, from the date of purchase of insurance, the conditions of VIP client status apply, including:

• attaching a personal manager to provide real-time consulting at the scene of the insurance situation;
• 24-hour dispatch service;
• tow truck services without limit on the number of times during the entire period of the agreement;
• providing directions for repair work without the need for a visit to the insurance company;
• expansion of the insurance territory to include some foreign countries.

The company offers balanced, competitive interest rates on many popular car models; careful customers and female drivers have access to significant discounts when renewing their insurance agreement. Significant savings when purchasing a CASCO insurance policy from Reso Guarantee are available to the company's clients when using the franchise option.

Special CASCO insurance programs are distinguished by a variety of options, from which you can easily choose the best one for any category of car owners.

The RESOauto program includes high-quality services of a commissioner (emergency) and full technical assistance on the road. Any vehicles are subject to insurance, even those not registered with the traffic police.

The client has the right to choose one of three methods of compensation for damage, which to varying degrees affect the cost of CASCO from Reso Guarantee.

For drivers who are confident in their professionalism, the Theft Only package is suitable, providing insurance protection for vehicles not older than 12 years and not necessarily equipped with additional alarm devices or a search system. The price of the policy does not depend on the driving experience and age of the client.

Therefore, IC "Reso" cooperates with both private and corporate clients.

The main CASCO insurance program is AvtoRESO. Its conditions apply to cases of theft and theft. The company offers this tariff even for motorists who at that time have insurance in another insurance company.

Let's get acquainted with all the nuances in detail.

The conditions of the analyzed program are considered basic, therefore the following proposals differ on one or more points.

Pros and cons of obtaining a CASCO insurance policy from an insurance company

The event specified in the contract as the basis for payment of insurance compensation is an insured event. This event should not be included in the list of exclusions specified in the insurance rules and the insurance itself.

The rules of IC "RESO-Garantiya" provide for the conditions of CASCO insurance for the risks "Damage", "Theft" and "Additional equipment". In the latter case, the risk of damage, destruction, or loss of equipment installed in the machine is insured. Additionally, “Additional expenses – GAP” is insured, i.e. unforeseen expenses in case of total loss or theft of the car and the risk of “Loss of marketable value”.

Damage caused to another motorist (transport, health) will not be an insured event. To do this, you need to purchase an MTPL or DSAGO policy. Under CASCO insurance, only the risk of damage or theft of the insured car is insured.

Moral damage, lost profits, traffic police fines, hotel accommodation during car repairs and rental of other vehicles are also not compensated. The insurer is not responsible for damage that existed at the time of purchase of CASCO insurance.

Not an event:

• natural wear and tear of the vehicle;
• chipped paintwork;
• breakdown, failure, failure of machine parts as a result of operation (without an accident or the occurrence of other insured events);
• flash of electrical wiring without causing a fire;
• causing damage to systems, mechanisms, components, the malfunction of which led to a fire.

This means that you will not be able to claim the above events to claim damages. The loss of a car, qualified in accordance with the Criminal Code of the Russian Federation as fraud or extortion, will not be considered an insured event. A criminal case should be initiated specifically for the theft (theft) of a car under Art. 158 of the Criminal Code of the Russian Federation in order to be able to receive its full value as payment.

According to the rules of RESO-Garantiya insurance, immediately after the occurrence of an insured event, the client is obliged to call the insurer within a day and tell about it.

When contacting the company, you need to have information about:

• policy (contract) number;
• car license plates;
• the number of participants in the accident, the brands and state registration numbers of their cars (if we are talking about an accident).

An application for an insurance event for the “Damage” risk is submitted within 5 days, “Theft” – three. This document needs to set out everything that happened and the measures that were taken. After this, you need to provide the damaged car for inspection to the insurance manager.

When calculating the final cost, increasing and decreasing factors are applied to the base rates.

The cost of CASCO is influenced by the following factors:

• driver age;
• year of car manufacture;
• insurance period;
• driving experience;
• payment method (one-time or in installments);
• contract currency;
• presence of an anti-theft system;
• use of a franchise and inclusion of additional services.

Advantages of CASCO insurance in Reso

It is worth noting the main advantages of voluntary CASCO insurance in the financial company RESO. It is thanks to these advantages that the number of clients is only increasing every year.

Calculate CASCO online (calculator)

There are two ways to calculate the cost of a future CASCO policy from the presented company: contact the nearest branch of the insurance company or make an online calculation on the official website of RESO-Garantiya or on popular analytical servers (Banks ru, Compare ru).

We invite you to familiarize yourself with the algorithm of the online CASCO calculator from the insurer.

The standard validity period of the car insurance policy is 1 year, and the currency is rubles.

If you are a client of another insurance company (have auto insurance), then click the checkbox and select the name of your insurer.

Next, you should indicate the CASCO payment period, the validity period of the policy and the type of owner (individual or legal entity).

The presence of a vehicle secured by the lender is also indicated, the make and model of the car, the year of production, the region of registration, the number of accidents with its participation and the total mileage are selected. The region of registration of the vehicle owner is also indicated.

It is important to choose the insurance territory, because the cost of CASCO insurance will also depend on this indicator. The client also fills in information about the number of drivers who will drive the insured vehicle.

In addition to basic data, the insurer is interested in the availability of anti-theft protective equipment. After all, based on these data, the cost of the future CASCO policy from IC Reso is calculated.

The client receives the result immediately, so he can instantly evaluate the information received about insuring his vehicle.

How to make a CASCO calculation at Reso

The cost of insurance depends on the deductible, the cost of expenses, the sum insured and the selected indemnity option. The default insurance period is 1 year.

You can pay for protection in a lump sum or by installing payments over six months or quarters. It is important that the initial insurance is taken out or a renewal of an existing agreement is carried out.

Table of the approximate cost of CASCO in RESO with a franchise, calculated using the calculator on the company’s official website:

Table of approximate cost of the policy without deductible:

The insurance amount used in the calculation was 300,000 rubles . The cost of protection against theft alone will be 11,700 rubles .

The cost of protecting the driver and passengers from an accident, depending on the amount of insurance, will be 1,750 or 4,900 rubles . Purchasing the Help-Economy product will cost 2,400 rubles , and Help-Comfort – 4,500 rubles .

You can find out your ostomy value yourself by following the calculation formula:

CASCO from RESO-Garantiya will help protect your car from the risks of theft and damage. The company offers many unique insurance products and also allows its clients to carry out reinsurance. The primary insurer must be notified of the presence of a second insurer.

About the terms of the CASCO agreement in the Rosgosstrakh company, read the article: CASCO Rosgosstrakh. Smart CASCO from Alfastrakhovanie is discussed here.

Find out the features of the Optimal program at Ingosstrakh by following this link.

What to look for when choosing a CASCO policy?

When buying a contract, do not rush to sign it. Experienced experts advise studying it carefully and paying attention to several main sections, both in the policy and in the rules.

Casco-Profi

The "Casco-Profi" policy is offered in all regions of the country to clients insured by RESO-Garantiya under OSAGO. The policy covers losses resulting from an accident with two or more participants, if our client is not at fault.

Policy benefits:

• the absence of a compulsory motor liability insurance policy for the person responsible for the accident does not affect the payment
• insurance compensation - referral for repairs (for cars under 7 years old to an official dealer)
• low cost (from 5 thousand rubles)

The policy is intended for all cars, including those pledged to the bank.

“Casco-Profi” will become reliable protection for experienced drivers who are convinced that an accident will not happen through their fault, and want to protect themselves from unforeseen risks on the road at a low price.

This is how much protection will cost the 28-year-old owner of a popular 2013 Ford Focus car with 10 years of driving experience.

In the event of a collision with other vehicles, the owner of Casco-Profi will receive high-quality repairs at a specialized service station within the maximum possible insured amount - 1,000,000 rubles, but not more than the actual value of the car at the time of concluding the insurance contract.

"Casco-Profi" is the optimal addition to OSAGO. After all, in case of compensation for damage within the framework of compulsory motor liability insurance, payment occurs within the limit established by law of 400,000 rubles, and this may not be enough to repair the car.

Calculate CASCO online (calculator)

The insurer’s comfortable service allows you to apply for CASCO insurance online, without going to an insurance company branch.

Such conveniences are designed to reduce the number of motorists in long lines to see the insurance manager, as well as not to distract busy citizens from the work process.

The registration process is not complicated - just create a personal account and follow the algorithm of actions.

If the client already has a personal page and has previously entered into an agreement, then he must log in and only enter new data about the upcoming insurance, send a request and wait for an invitation from an insurance company employee to sign the agreement.

New clients will have to register their personal account using email or their mobile number.

After its creation, you can begin filling out an application for CASCO. This procedure requires exactly the same data as the online cost calculation (refer to the previous paragraph of the article).

The convenience of the online service is appreciated by many policyholders, because the capabilities of the Internet help reduce bureaucratic and organizational processes to a few minutes.

After completing the application, the manager contacts the client; if the verdict is favorable, he invites the motorist to conclude an insurance contract.

Documentation

Concluding a CASCO agreement from a company is an integral and important process that cannot be circumvented. It is impossible without providing official documentation.

It should be collected so that the insurer can verify the accuracy of the facts about the policyholder and other drivers, as well as about the insured vehicle. Such requirements are mandatory when signing official contracts.

Therefore you should provide:

• vehicle passport;
• state registration certificate;
• driver's licenses of all citizens who will be allowed to drive a car;
• photocopies of completed pages of motorists' passports;
• a notarized power of attorney from the car owner, if another person is handling the registration.

Based on these documents, a CASCO agreement is concluded and its exact cost is calculated. The manager checks all the information received in the database; if it is satisfactory, then the process of issuing a policy is carried out immediately.

Statement

Without this request, purchasing CASCO insurance is also not possible. There are two types of applications - a traditional paper form, as well as an online tab.

In both cases, the policyholder fills out information about both his driving experience and the insured vehicle.

The classic version of the application has the following details:

1. Information about the policyholder (contact details, driving experience).
2. Detailed technical information about the vehicle and its equipment.
3. List of motorists allowed to drive.
4. Terms of use of vehicles.
5. Other information about the insurance policy.
6. Terms of insurance premium.
7. Notes.
8. Field for stamps and signatures.

Download the application.

The document is filled out by the policyholder himself or by a notary authorized person. Handwriting should be legible, and phrases should be clear and specific.

The policyholder is responsible for the accuracy of the entered facts. Correctly filling out the application guarantees the accuracy of the information in the contract, because it will be transferred there.

As a rule, this application is considered within several days; in approved cases, the policyholder is called to the office to conclude a deal.

Agreement

This document is drawn up according to a standard template, that is, it has components regulated by the law “On Compulsory Motor Liability Insurance” (MTPL).

A CASCO agreement is drawn up between the parties in order to officially certify the conditions and, during the validity of the policy, to guarantee the rights of the policyholder and the insurer.

Therefore it consists of:

• details of the parties;
• information about the insured vehicle;
• what situations require compensation (damage and/or theft);
• terms of payment after the occurrence of an insured event;
• rights and obligations of the insurer and the policyholder;
• confirmation and agreement with the provisions of the CASCO agreement.

If, after concluding the contract, the insurer discovers that the facts provided are unreliable, then it retains the right to invalidate the document.

Often, policyholders cannot spot all the pitfalls of a concluded transaction, so it is recommended to seek qualified assistance from an auto lawyer who can interpret all the provisions of the official contract.

Every car enthusiast can always formulate a calculation under a CASCO agreement and find out the cost remotely. A convenient CASCO calculator has been created for this purpose.

To receive information you need to indicate:

• car characteristics: make and model, year of manufacture, power and mileage
• price
• owner details: full name, age, place of registration
• driver information: full name, age, length of service
• contact telephone number and email address

Then all you have to do is request a quote and receive an offer. In practice, the calculation is generated in a matter of seconds.

Benefits of the calculator:

• information is provided free of charge
• you can generate an unlimited number of requests
• the service works 24/7
• You can submit your application via the calculator.

To summarize, it can be noted that the insurance company RESO-Garantiya offers its clients profitable voluntary insurance products. You can find out the preliminary cost for each program without leaving your apartment. To do this, you just need to indicate the minimum data in the calculator and receive an offer.

Documents for obtaining car insurance

To apply for an MTPL insurance policy through your personal account or at a company branch, a certain list of documents is required:

1. Identity card of a citizen of the Russian Federation.
2. Vehicle registration certificate, PTS or technical passport.
3. Technical inspection certificate.
4. Driver's license and a copy of it. If available, documents of other persons authorized to drive a vehicle.
5. Previous compulsory insurance policy.

RESO-Garantiya is a company that provides a full range of services for insurance of movable property, namely vehicles. In addition to compulsory MTPL insurance, RESO offers additional policies with a larger sum insured, as well as a list of insured events. You can apply for an MTPL insurance policy from anywhere in the world, since you can submit an application online.

Main offers from Reso

Before using the services of voluntary insurance, you should carefully study all the programs and only then make a choice. Let's consider all existing insurance programs in RESO.

RESOauto

This is a standard AUTOCASCO policy, which provides a full package of risks, such as damage and theft. Additionally, the insurance company offers to include such risks as:

• insurance of additional equipment
• civil liability, in the amount of no more than 30 million rubles
• accident insurance for both driver and passengers

Under contract:

• free evacuation from the scene of an accident if the car is in a faulty condition
• 24/7 support service
• payment of compensation as soon as possible

RESOautoGAP

This product appeared relatively recently in a financial institution. Voluntary protection is suitable for those who wish to protect themselves from expenses that will arise as a result of:

• transport theft
• total destruction (total)

As for the damage, the driver will have to compensate for all expenses independently, using his own savings.

Under contract:

• Vehicles accepted for insurance are those no more than 7 years have passed since their release.
• When calculating the insurance premium, the age and experience of drivers is not taken into account, so even a young driver can be entrusted with driving
• upon the occurrence of an insured event, the company is guaranteed to transfer funds in the amount of the real market value of the car
• Inspection of the vehicle is required when purchasing a contract

RESOauto-Help-Economy

From the name itself it is clear that this is an economical program at a low price. As part of the program, the company is ready to:

• send an emergency commissioner to the scene of the accident
• pay for tow truck services
• provide emergency assistance in the event of a serious car breakdown

Any vehicle not older than 10 years is accepted for insurance. You can purchase protection when purchasing a MTPL and CASCO contract for only 1 year.

RESOauto-Help-Comfort

An excellent product, thanks to which the insurer will come to the aid of its client at any time. All the client needs to do is call the dispatch service toll-free, provide personal information, policy number and vehicle characteristics.

Insurance risks:

• fire evacuation
• emergency assistance in case of a car breakdown on the road
• assistance from an emergency commissioner in the event of an accident
• emergency medical care for those who were in the insured car and were injured as a result of the insured event

Under the program, you can insure foreign and domestic cars that are no more than 12 years old from the date of manufacture. You can only buy protection for 1 year.

VIP service

Only car enthusiasts who have purchased protection under the RESO auto program can take advantage of the offer. In this case, two conditions must be met:

• the cost of the car is at least 3,000,000 rubles
• insurance premium under the contract is not less than 150,000 rubles

VIP client status is assigned immediately upon purchasing a voluntary agreement. Within the program:

• assistance from a personal manager who also resolves payment issues
• assistance in case of accident
• evacuation from the accident site
• repairs at the station without contacting the office
• expanded insurance territory, including a number of Western countries

Insurance with satellite system

The insurance company cooperates with accredited centers that install satellite systems. RESO-Garantiya is ready to give a 70% discount on the risk of theft or theft if a car owner applies for the installation of a satellite alarm at the direction of the insurer.

For the most part, all insurance organizations have practically the same rules for providing policies, although they have some differences.

In this article we will consider only the main points of the Reso insurance rules; you can read the full version of the document at the link.

The first part of the document in question, as a rule, contains a “basic provisions” paragraph, which contains the following information:

• listing the main points regarding the conditions and procedure for issuing an insurance policy;
• rules for its termination;
• the main part also contains various annexes, which constitute an integral part of the main provisions and have legal force.

Each item has its own characteristics and nuances. Before you put your signature on the executed contract, it is important to study them carefully.

Particular attention should be paid to the point regarding the timing of termination of the contract. Most insurance organizations use it to avoid providing monetary compensation when insured events occur.

All annexes are also an integral part of the contract and should be carefully studied. As a rule, they contain information without which you can face various legal problems.

RESO-Garantiya offices on the map

Advantages of purchasing a CASCO insurance policy from RESO-Garantiya:

• The insurer is reliable and works for a long time.
• Wide range of insurance cases.
• Various options for helping motorists.
• Non-aggregate amounts of compensation (regardless of the number of claims by the policyholder).
• Any car allowed to travel on Russian roads can be insured.

The insurer offers car repairs at a specialized service center as an insurance compensation option. You can choose a dealer yourself or simply take advantage of an offer from the company.

The insurer assumes obligations regarding the evacuation of the vehicle from the scene of the accident and the cost of restoration.

Insurance repairs may be provided in the event of a technical breakdown on the road. The insurer undertakes to deliver the vehicle to the policyholder after restoration.

The procedure for registering a CASCO agreement takes no more than an hour. You need to come to the company with documents and show your car to the manager to draw up an inspection report. The addresses of all company offices are on the website.

Instructions for the policyholder:

1. You need to contact the insurance company.
2. Calculate the tariff and negotiate the terms of insurance.
3. Provide your car for inspection.
4. Write an application for insurance and submit a package of other documents.
5. Sign the contract and pay for it.

• CASCO with franchise
• Who can be a car insurer under compulsory motor liability insurance?
• What does the cost of compulsory motor liability insurance depend on? How is it calculated?
• What to do if an insured event occurs abroad
• The insurance company does not pay for CASCO
• CASCO payments for car theft

How are payments made?

When covering insured events with financial assistance, the company focuses on a single form of calculation, which is also used by independent brokers and experts to determine the amount of compensation for a specific policyholder.

The following factors influence the amount of payment:

• vehicle manufacturer - more funds are allocated for repairs of foreign cars;
• region of insurance registration (different territories have their own hazard coefficient, on which payments depend);
• vehicle mileage;
• Motorist's KBM;
• technical condition of the car.

A traffic police inspector’s report and an assessment of the situation and consequences from an independent expert are also required to determine the scale of the incident.

The MTPL agreement provides for a maximum and minimum limit of monetary compensation, which is regulated by the law of the Russian Federation “On MTPL”.

focuses on and supports such provisions, so if the damage exceeds the maximum amount of payments, then the difference is compensated by the culprit of the insured event.

As part of each program, the financial company undertakes to compensate for the damage. The terms of payment are clearly stated in the rules, which can be obtained free of charge at the insurer’s office or downloaded on the official portal.

To receive compensation:

• the insured is obliged to immediately notify the authorities, through which the fact of the occurrence of the insured event can be officially recorded
• within 10 working days after the incident, visit the loss settlement department
• provide the necessary documents

An insured motorist can apply without a certificate from the traffic police if glass elements are damaged. For a body element, there is a rule according to which you can apply once without certificates if the damage to the body does not exceed 5% of the market value of the vehicle.

Payment is made:

• in case of theft within 30 days after the case is closed
• in case of total loss within 30 days after submission of the last document
• in all other cases, the company is obliged to transfer funds or issue a referral within 25 days, after submitting all documents, for the purpose of repairs at the station

As for payment, each client needs to choose only one payment method when concluding a contract.

The company offers:

• repairs at an official dealer station, which is important for cars under warranty
• repair at any universal station with which an agreement has been concluded
• payment for repairs at any station, at the client’s choice

It is worth noting that insurance with the latter option will be significantly more expensive, since the client himself decides at which station to repair the vehicle.

As for money, the company is ready to transfer funds only in case of total or theft.

How protection works

The insurance contract begins to operate from the moment the first insurance premium is paid. The policyholder undertakes to comply with the terms when paying the insurance premium. Payments can be made in installments.

For example, you can transfer equal amounts every six months. If desired, installments can also be arranged with payment once a quarter (25% of the amount).

But if the contract is drawn up for a period of less than a year, the premium is paid in full before its conclusion.

After an insured event occurs under CASCO, the policyholder must immediately contact the authorities authorized by the state to investigate the causes of the accident:

• traffic police;
• Fire Department;
• Ministry of Emergency Situations;
• police and others.

After this, the form is filled out and within 10 days (from the date of the accident) it must be submitted to the insurer for consideration.

Insurance payment is made only after all necessary documents have been provided, the accident site has been inspected by an emergency commissioner, and the causes and guilt of the persons concerned have been established.

Application for payment to the insurance company.

The basis for receiving payment is the recognition of the accident as an insured event. In case of theft and destruction of property, money can be received no earlier than 30 days after the event is recognized as an insurance incident. In other cases, this period is 25 days.

Damage notification.

Notification of theft.

Information about an accident.

Registration of installments

Payment for a car insurance policy is also possible in installments. Many companies provide this opportunity: Ingosstrakh, Alfastrakhovanie, Renaissance-Insurance, IC Zurich, VSK, as well as RESO-Garantiya.

Unlike other insurers, the representative we analyzed is more loyal to clients, therefore he allows the next payment to be delayed by several days, and at the same time the contract remains valid at this moment.

The downside for the policyholder is that if an insured event occurs at the time of installment plan under the contract, then the compensation will be less by exactly the same amount that is missing until the contract price is repaid.

Thus, it can be seen that the proposal has advantages and disadvantages for customers. The installment plan will be beneficial only if you drive without accidents, for which motorists are not insured.

Not all drivers have the opportunity to make a one-time payment for an insurance policy, given its high cost. The RESO company gives you the opportunity to purchase a CASCO policy in installments under certain conditions.

Installment types:

• for a certain period - half of the amount is paid when drawing up the document, half - on any other day convenient for the client. Thus, the payment is divided into two parts;
• for 3-5 months - a certain part of the cost must be paid immediately - most often, 20% of the document price. The rest is distributed over several months.

Despite the fact that this method of purchasing CASCO insurance has a lot of advantages, it should be taken into account that there are also pitfalls:

1. You will have to visit the RESO office several times to make each part of the payment.
2. Only those clients who have extensive driving experience can receive an installment plan.
3. If a payment is missed, penalties will be assessed.

In RESO, it is possible to arrange “quarterly installments”, when 25% of the total cost of the policy is paid once a quarter.

RESO

Insurance rules are a large, complex document. So that you can easily navigate it, our experts analyzed each point, wrote down the main thing and assessed the loyalty of the rules to customers. The higher the score, the greater the loyalty.

01

Sum insured

The insured amount is non-reducible.

Quote from the rules

After payment of insurance compensation for the risk “Damage”, except in the case of payment on the terms of “Total loss”, the insurance contract for this risk continues to be valid until the end of its validity period. In this case, the insured amount is not reduced by the amount of payments made (remains unchanged).

02

Compensation for damage

Compensation for damage is paid excluding/including wear and tear (optional).

Quote from the rules

The specific option for determining the amount of damage is determined by the policyholder and the insurer in the insurance contract upon its conclusion.

03

Constructive death

Constructive loss – more than 75% of the insured amount.

Quote from the rules

If, as a result of an insured event, the cost of restoration of the vehicle exceeds 75% of the insured amount for the “Damage” risk, calculated in the manner specified in clause 5.5 of the Insurance Rules, payment of insurance compensation is made on the terms of “Total loss”. The insurance contract may provide other criteria for settling an insured event on the terms of “Total loss”.

04

Wear rates

Depreciation rates are 20% for the 1st year, 15% for the 2nd year, 12% for the 3rd and subsequent years; depreciation is calculated for each month.

Quote from the rules

During the period of validity of the insurance contract, the following rates of its reduction are applied to the insured amount established for the risks “Damage”, “Theft” and “Additional equipment”, unless otherwise provided by the insurance contract:

• for the first year of operation - 20% (for the first month 3%, for the second month 2%, for the third and subsequent months 1.5% for each month).
• for the second year of operation - 15% (1.25% for each month).
• for the third and subsequent years of operation - 12% per year (1% for each month).

In this case, an incomplete month is counted as a full month.

05

Deadlines for filing a claim for damage

The deadline for filing a written claim about damage is up to 10 working days.

Quote from the rules

Within 10 (ten) working days from the moment when the policyholder, his representative, or the driver became aware of the incident, submit to the insurer a written statement in the form established by the insurer detailing all the circumstances of the incident known to him.

06

Deadlines for filing a theft report

The deadline for a written report of theft is 24 hours, the deadline for filing a written statement of theft is up to 3 working days.

Quote from the rules

Immediately, as soon as the policyholder, his representative, or the driver became aware of the theft of the insured vehicle, report it to the internal affairs authorities at the place of the event. Within 24 hours, notify the insurer of the theft of the insured vehicle using a written statement of any form, telegram, or fax. Within 3 (three) working days, submit to the insurer a written statement in the form established by the insurer detailing all the circumstances of the loss of the insured vehicle known to it.

07

Deadlines for payment of compensation for damage

The period for payment of compensation for damage is up to 25 working days.

Discounts

For “profitable” clients, the company provides favorable conditions in the form of a discount system. These incentives are provided for a good driving history, that is, one that excludes emergency situations.

Such policyholders can renew RESO at a discount; the CASCO guarantee without certificates when renewing the policy is also not excluded.

Clients will receive RESOauto at a discount if:

• the new policy will be valid, like the previous one, for 12 months;
• there are no accidents or thefts under previous insurance;
• the owner and policyholder remain the same as under the previous contract;
• the new CASCO will not provide any other discounts;
• the new contract does not include motorists with a bad driving history, short driving experience and a “risky” age (young people and old people);
• The policy comes into force exactly the next day after the end of the previous one.

To take advantage of the discount on car insurance, you must have a policy from Reso, but during its validity period you must not be in an emergency.

How to buy step by step online

You can purchase a policy from RESO remotely. To do this, you need to go to the official website of the insurance company and perform the following steps:

• go to the “Buy CASCO policy” tab;
• enter registration data or obtain the status of a new client;
• after entering the login and password in the personal account menu, you need to select “Issue a policy”, then enter the data of the car for which an insurance document is issued based on the technical passport;
• you should click on the “Calculate” button, the information is sent automatically to the RSA database for authentication;
• payment is made using a bank card, after which it becomes possible to download the policy online; when driving a vehicle, you should have a printed document with you to present to the traffic police and the insurance company.

How to check an MTPL policy using the RSA database - “testing” the insurance for reality

The policy is renewed in the same way by entering data in the personal account of the RESO client.

When damage is not compensated

All exceptions to the rules are clearly stated in the rules. Exceptions when payment is not provided:

• any costs associated with transport downtime
• damage or theft of license plate
• theft of a fire extinguisher, warning triangle or first aid kit
• if an uninsured driver was driving
• when the insured was under the influence of alcohol or drugs
• in cases where the car was used in racing or taxi
• in case of violation of the terms of the policy

Additional expert comments

Key exceptions:

• Loss of a car as a result of fraud, extortion, misappropriation or embezzlement.
• Damage to the car when loading/unloading it.
• Damage or theft of the awning.

Quote from the rules

Not paid:

• Loss of a vehicle as a result of events qualified in accordance with the Criminal Code of the Russian Federation as fraud, extortion, misappropriation or embezzlement.
• Damage or theft of the awning.
• Damage during loading/unloading of the insured vehicle.

Important information

The client is obliged to immediately notify the insurance company of any significant changes in the degree of risk.

It is possible to pay compensation without a police certificate when registering an accident in accordance with the terms of the European Protocol.

Quote from the rules

The policyholder (beneficiary), as well as their legal successors, are obliged to immediately notify the insurer of changes during the period of validity of the insurance contract in the conditions of operation and use of the vehicle, notified to the insurer at the conclusion of the contract, and other events if they may significantly affect the increase in the insurance risk.

The victim has the right, during the validity period of the insurance contract, to contact the insurer without providing the documents specified in subparagraph. “e”, “g” of clause 13.1 of the Insurance Rules, if the registration of documents about the accident was carried out without the participation of authorized police officers.

In addition to the main risks, the following are paid:

• Damage to a car due to soil subsidence, failure of roads, bridges.
• Evacuation costs (within 1% of the insured amount).

Quote from the rules

Paid:

• Documented costs for transportation (towing) of a damaged vehicle to a parking place (garage) or repair site (in the amount of no more than 1% of the insured amount for the “Damage” risk), if as a result of an insured event the vehicle was unable to move under its own power.
• Damage or destruction of a vehicle as a result of soil subsidence, failure of roads or bridges.

What is an insured event?

The company provides for two main types of risks for vehicles - damage and theft. Each species has its own degree of danger.

An insured event of “damage” is partial or complete damage to a vehicle that occurs while driving on the road, as well as while parking in legally designated areas.

The insured event “theft” is the illegal seizure of the policyholder’s vehicle by criminals.

The insurer recommends that motorists immediately file an insurance claim so that the company can immediately react to the incident and correctly assess the situation.

Rules for providing an insurance policy

Non-aggregate - not reduced by the amount of the payment made, unless otherwise provided by the insurance contract

CASCO insurance is not a mandatory type of insurance protection, therefore each organization slightly changes the rules for providing monetary compensation.

Speaking about the main provisions of CASCO insurance in Reso, the following points need to be mentioned:

• the cost of the insurance policy is calculated based on the market value of the car, while the amount of insurance remains unchanged after insurance payments are made during the validity of the insurance contract;
• it is possible to compensate for material damage caused to certain elements of the car (such as headlights, glass, lanterns, paint and, to some extent, the body) within the amount specified in the contract (usually no more than 5 percent of the insurance amount) without presenting certificates;
• wear and tear of the insured object, as well as its parts, may not be included in the calculation of coverage for damage compensation.

The amount of material damage caused to the car that is insured is determined by the client using the following options:

• according to the calculation of the insurance company;
• on the basis of an invoice for repair work from a service station to which the policyholder applied at the direction of the insurance company;
• on the basis of an invoice for the actual repair of the insured object, performed at a service station at the request of the policyholder, as well as upon provision of documents confirming the fact of payment.

During the validity of the CASCO Reso insurance contract, the insured amount may be subject to depreciation standards, namely:

• for the first year of using the vehicle it is 20 percent (3 and 2 percent for the first two months, then 1.5 percent monthly);
• for the second year of operation equals 15 percent (or 1.25 percent every month);
• from the third year of use it is 12 percent (1 percent per month).

We can talk about the total (constructive) loss of a car in the case when the cost of restoration is more than 80 percent of the total insurance amount.

The insurance organization does not classify as insurance situations those that occurred:

• as a result of intentional actions (behavior) of the policyholder;
• in the case when the car was driven by a citizen who does not have access to vehicles (he does not have the necessary documents, he is intoxicated at the time of the accident);
• if the culprit of the situation left the scene;
• if the vehicle was destroyed (seized or seized) based on the order of government agencies with the appropriate powers.

The insurance organization will not pay for:

• damage to the vehicle that occurred due to the natural wear and tear of the car during its use;
• loss of a car due to events that fall under an article of the Criminal Code of the Russian Federation (on extortion, fraud or embezzlement);
• if there are changes in license plates on components or parts of the insured object or damaged registration marks;
• commercial or indirect losses (lost profit, moral damage);
• theft or damage to anti-theft devices that are not installed by the manufacturer or do not have an insurance policy for additional equipment.

The client has the opportunity to pay the insurance premium in installments:

• using two payments (3 percent premium), the first is made at the time of opening the policy, the second – over the course of six months;
• in four payments (5 percent surcharge), when the agreement is drawn up, the client pays 25 percent, and then 25 percent quarterly.

In this case, the client undertakes to submit a statement of material damage to the vehicle to the insurance company within ten days from the date of the incident. In the event of a car theft, it must be reported 24 hours from the moment of the incident, and the insurance company must be notified in writing three days in advance.

After this, within 30 calendar days, the insurance company provides an insurance payment to the client account in the event of destruction (destruction) or theft of the insured object and within 20 days - for the risk of damage.

The point regarding termination of the insurance contract is one of the most important. This action is possible only in a number of situations, namely:

• in case of failure to pay insurance payments within the specified period;
• if the insurance policy has expired and has not been renewed;
• in case of full implementation of the insurer’s obligations under the terms of the contract;
• upon liquidation of the client-insurant if the latter is a legal entity;
• in the event of the death of the policyholder (valid only for individuals).

Both the organization issuing the loan and its client can terminate the insurance contract. Moreover, in most cases this is done unilaterally; there is no need to provide consent from the other party.

But it is necessary that there are serious reasons for this action, and that there are no violations of actual legislation. In another situation, the act of termination of the contract can be challenged in court.

Reviews about the company

Reviews about the company today can be easily studied on the Internet. However, it is important to consider that often negative comments are left not by clients, but by competitors. As for the positive, car enthusiasts:

• profitable insurance programs
• bonuses and gifts for regular customers
• 24/7 support service, toll free
• if necessary, the agent can come to any place in order to conclude an agreement
• You can use installment payment
• friendly and knowledgeable staff

Among the negative ones it is worth highlighting:

• the need to provide the car for visual inspection when purchasing CASCO
• You cannot buy a contract online
• you have to wait a long time for the payment of insurance compensation (such reviews from competitors)

Policy renewal and verification

To renew your CASCO policy from this company you should:

• log in to your personal account
• press the “Extend” button next to the information about the previous contract:
• and re-select the conditions; if you are satisfied with the current contract, then only indicate the new validity period of the car insurance.

To guarantee security to its clients, IC provides a service for checking the status and authenticity of the policy.

To do this, just log on to the company’s website, select the “Verification” section and fill in the provided fields with your document data.

Each contract has its own series and number; they are sufficient to determine the status of the transaction, the date of issue and expiration time of the policy, as well as special notes.

If the client does not find the code in the Reso database using his details, then he may suspect that he has fallen for the tricks of attackers.

The insurer does not recommend cooperating with dubious brokers, temporary branches that may introduce themselves as , or offer for signing documents that are as similar in appearance as possible.

The online service also guarantees information protection for each motorist client of this insurance company.

"RESO-Garantiya" is an insurance company that has been cooperating with many motorists for many years and has a good rating of their appreciation.

The insurer provides a number of car insurance programs, including different sets of services. Their clients can choose offers of CASCO protection against damage or theft, as well as combine these services.

The online service was created to provide comfort to motorists, because it allows you to make preliminary calculations of the cost of the policy, leave electronic applications for concluding a contract, as well as renew the current policy and check its authenticity.

Such opportunities indicate the high rating of the company, as well as the quality of work that meets international standards.

About the insurance company RESO-Garantiya

Insurance company RESO-Garantiya, founded in 1991, is one of the leading and one of the TOP 5 largest companies in the Russian insurance market. The well-known rating agency Expert RA assessed the activities of RESO-Garantia at the highest level.

After calculating the base cost of a CASCO policy on the company’s calculator for the most popular program among car owners, “RESOauto,” the client needs to familiarize himself not only with the rules of this type of car insurance, but also with various special programs that provide some categories of car owners with additional services, the opportunity to receive discounts and benefits provided by the company at the moment.