Which insurance to choose: OSAGO, DSAGO, CASCO or Green Card

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.

Advantages and disadvantages

Many insurance organizations offer their clients a number of additional bonuses when concluding a DOSAGO contract.
For example, such as:

1. Concluding an accident insurance agreement with the insurer. Those. It is planned to purchase two insurance products. In addition to an additional motor vehicle policy, the policyholder can also insure himself and passengers against an unforeseen situation in the event of an accident.
2. Free evacuation of cars from the scene of an accident. The usual cost of this service is about 3,000 rubles, but you can call a tow truck through the SK remote control.
3. Departure to the scene of an accident by a motor vehicle commissioner. You should carefully read the contract, since many insurance companies do not provide such a service.
4. Provision of services by the insurance company for collecting the necessary documentation for making payments.
5. Payments of compensation, in the calculation of which depreciation of the car is not taken into account.
6. Providing services if your car breaks down on the road. Either a vehicle commissioner goes to the place where the car has broken down, or the car can be evacuated to a service station.

Very often, insurance company agents offer to conclude an additional insurance contract when renewing a compulsory motor liability insurance policy. At the same time, they will tell you about the terrible rates of accidents on the roads today. In fact, no one knows for sure whether a DSAGO policy is really necessary, as the insurance company agents say (you can find out more about DSAGO in OSAGO here).

Many car enthusiasts believe that such insurance will help cover all the costs of expensive repairs. But is this true?

In fact, insurance companies simply suppress many facts. Of course, such an insurance contract has its advantages, but is this contract really necessary as insurance agents present it? The advantages of such a policy are obvious:

1. It's not very expensive.
2. A large number of insurance companies offer a number of discounts in addition to the contract.
3. Such a contract includes many risks that will be considered an insured event.

Attention! If you confidently drive your car and have extensive driving experience, you carefully monitor the serviceability of the car and, in general, use it several times a year, then you are unlikely to need such an agreement.

Another thing is if your driving experience is short and you need additional insurance, then yes, you will simply need a DSAGO policy.

Once a year you will pay an insignificant amount to the insurance company for the purchase of such an insurance product, but you will feel calm behind the wheel all year.

Advantages and disadvantages of expanding OSAGO

The policy being issued will have certain advantages and disadvantages that should be studied if you wish to obtain such a policy. In any case, there will be much more positive features than minuses, which many people really like.

The advantages include:

• Accident insurance is provided. Improved insurance makes it possible to insure passengers in the cabin, as well as yourself, against any unforeseen moment during an accident.
• The driver is provided with the necessary assistance, including legal assistance, on the road, at the place where the incident occurred. The auto commissioner will come to you if a breakdown occurs on the way, and if this is not included in the list of services from the insurance company, then in any case a tow truck will help, which can transport the car to the nearest service station.
• Evacuation is carried out free of charge. This already saves at least three thousand rubles (the average cost when calling special equipment on the road). You just need to use the special remote control of insurance companies.
• When making payments upon the occurrence of an insured event, the wear and tear of parts and mechanisms of the vehicle will not be taken into account.
• It is very important to review and study the contract to see exactly what is provided to you and what is not. In some cases, as mentioned earlier, a motor vehicle commissioner comes to you and provides all possible and necessary assistance.
• The insurance company will help you collect the necessary information to receive payments.
• Low cost.
• Companies provide discounts and bonuses when purchasing an extended version of the policy.
• There are a lot of included insurance cases that will be considered as such in reality.

After this, you can briefly dwell on the negative aspects that you may encounter when applying for an extended compulsory motor liability insurance policy. The most important thing is that insurance companies pay more attention to compulsory motor liability insurance, recommend renewing it on time, and tell you all the advantages.

But almost no one ever talks about the urgent need to obtain an extended compulsory motor liability insurance policy. Insurers here avoid this issue. And the truth is difficult to get from them. Often they only assure that all costs in the event of an accident on the road will be covered in full. It is not a fact that this will be the case in a real situation.

What is DSAGO and why is it needed?

Reviews on alpha insurance insurance

You may have already encountered this designation before, but often, when talking about this type of insurance, people immediately have a question: what is extended MTPL (DSAGO, DOSAGO, DGO)?

A compulsory motor vehicle policy has its own limit of payments in the event of an accident. However, the insurance company cannot always cover the damage caused, which usually leads to the owner of the damaged car paying a certain amount out of his own pocket. DSAGO prevents these situations due to the fact that it has an increased limit of insurance payments (from 300 thousand to 15 million).

Based on this, it becomes clear that if you are not satisfied with the amount of coverage, then you can expand your MTPL policy on a voluntary basis.

So, what is DGO insurance? To make it easier for you to recognize it, this insurance has the following characteristics:

• DSAGO is a supplement to OSAGO. Without a mandatory policy, an additional one cannot be issued;
• The cost, requirements and payment limit are set exclusively by the insurance company;
• Payments under MTPL are made only if MTPL cannot fully cover the insured event;
• The maximum amount of payments is made by the owner of the vehicle.

Important!

Do not confuse DSAGO and CASCO, as these are two different things. DSAGO is a supplement to compulsory motor liability insurance, and they, in turn, only cover insurance cases related to road accidents. As for CASCO, this type of insurance applies exclusively to your car.

Why does the insurance company impose additional services?

Most insurance companies, together with compulsory motor liability insurance, try to sell the client related insurance services (take out insurance for a garage). The insurer can also offer additional options for compulsory motor liability insurance, which are not mandatory (they were mentioned above).

But some insurers not only offer these services, but even refuse insurance if the client does not want to include additional insurance in the policy.

This is due to the fact that the insurance company must fulfill its plan for different types of insurance. They try to sell less popular services with such common ones as OSAGO.

Therefore, promotion of additional services along with car insurance can be found in every company.

DSAGO insurance. What is DSAGO

money-trans.ruGAP insurance for comprehensive insurance

DSAGO (aka DAGO, aka DGO, aka DoSAGO) – voluntary motor third party liability insurance for car owners of third parties.

The MTPL agreement establishes a “ceiling” of insurance coverage. For harm caused to life or health up to 500 thousand rubles, for damage caused to property (iron) up to 400 thousand rubles. In the event that the damage exceeds a certain limit, the culprit pays the missing part of the money independently or through a DSAGO policy, which is concluded separately.

Attention! DSAGO insurance is an addition to compulsory motor liability insurance in cases where the amount of loss exceeds the limit of payments under compulsory motor liability insurance.

The insured amount, as well as the cost of the policy, is established by agreement of the parties. Unlike MTPL, the cost of a DSAGO policy is different in all companies and is set depending on the sum insured, length of service and age of drivers. The average cost of DSAGO is from 2000 rubles. up to 3000 rub.

The DSAGO agreement establishes a deductible equal to the payment limit for compulsory motor liability insurance. According to the rules, the validity period of DSAGO insurance must be equal to the validity period of OSAGO insurance.

Why is DSAGO relevant and why is it even needed?

Here are a few examples in favor of purchasing a DSAGO policy.

Firstly: the average price of an MTPL policy is from 5,500 to 6,500 rubles. (payments up to 400,000 rubles), whereas for a policy worth 2,500 rubles. payments under DSAGO are about 1 million rubles.

https://youtube.com/watch?v=2nKbwx4Wtqg

Secondly: payments under compulsory motor liability insurance are not enough for every fifth victim.

Cost of DSAGO. DSAGO tariffs

As mentioned earlier, the cost of DSAGO in all companies is different, since the type of insurance is voluntary. In addition, the conditions and tariffs of DSAGO insurance companies may also vary.

DSAGO Reso

The peculiarity of this insurance is that there are more accurate calculations of the cost of DSAGO. For example, if the driver is under 22 years old or has less than 2 years of experience, an increasing factor is applied. Let's look at an illustrative example: a driver is 24 years old, his experience is 1 year and he issues a DSAGO for 600,000 rubles.

Do not forget that payments under DSAGO are made taking into account the wear and tear of the car, so if you want to protect yourself, choose insurance without taking into account wear and tear. Reso company is one of the few that offers this service.

DSAGO Yugoria

A special feature of DSAGO insurance in Yugoria is that the policy can be additionally issued both for compulsory motor vehicle liability insurance purchased in Yugoria and from another company.

Advice! Unfortunately, not all motorists want to protect themselves by taking out an additional DSAGO policy. There are three reasons for this. Firstly, most drivers do not know what payments are included in the compulsory motor liability insurance policy. Secondly, many people hope for “maybe” (...let's hope this doesn't happen to me...).

Thirdly, self-confidence, (...I’ve been driving for 20 years and not a single accident...), while forgetting that there are a huge number of “car substitutes” on the road. And finally, fourthly, all the previous points combined (the most common option). And this despite the fact that the average cost of a DSAGO policy for one million is only 1,500 rubles.

Extended DSAGO

A-Smith Blog Do-it-yourself sandblasting machine or collective farm is a voluntary matter

Competition in the insurance market of St. Petersburg is constantly increasing. Fighting for clients, insurers began to provide additional services when purchasing DSAGO. In principle, it is quite difficult to meet a “pure” extension of compulsory motor liability insurance today. Everyone gives some gift in addition.

The most common services included with DGS are:

Emergency commissioner. It’s simple, you take out insurance and, in addition, get a free emergency service visit. True, in most cases, a list of cases in which the emergency commissioner for compulsory motor insurance does not come is printed in fine print. Read carefully, because sometimes it turns out that in practice it is impossible to call the commissioner.

Payment without depreciation. You may be surprised, but payment under compulsory motor liability insurance is always carried out taking into account wear and tear. For a seven-year-old car it can be about 70%. So situations arise when the payment turns out to be several times less than the actual costs of repairs. Sometimes people sue the person responsible for the accident, demanding compensation for the part “cut off” by wear and tear. By purchasing the DSAGO extension with the additional “no wear and tear” option, motorists injured due to your fault will receive full insurance compensation, as for a new car.

Free evacuation. To evacuate a damaged car you will need to pay about three thousand rubles. Some DSAGO insurances compensate for the costs of towing a car. However, be careful, a tow truck can only be called through the control panel of the insurance company.

Collection of information. Any road accident is a headache and, first of all, it is associated with collecting certificates from the competent authorities. You have to wait in huge queues and waste the whole day. This service will save the client from such problems, because the emergency commissioner will collect certificates for him. Everything would be fine if not for one thing. Insurance companies are silent that this service does not operate in St. Petersburg. Our traffic cops require the personal presence of the participants in the accident when registering and analyzing the accident. As a result, an option that seems useful at first glance turns out to be a fiction.

Roadside assistance. If your car has a minor breakdown, an emergency commissioner will come to you and help you fix the problem. If this cannot be done on the spot, the car will be towed free of charge to the nearest service station.

Accident insurance. In fact, you get two policies. Firstly, you increase your liability under compulsory motor liability insurance, and secondly, you insure yourself and your passengers against accidents during an accident. The amounts are not very large, so there is no particular point in this additional insurance.

We are in no way campaigning for or against. Undoubtedly, the expansion of DSAGO is a necessary insurance product, it’s just that the need to purchase it is greatly exaggerated. Of course, it may be useful to some residents of large cities, such as St. Petersburg or Moscow, where the number of expensive foreign cars is growing every year.

Analyze your driving style and honestly answer yourself the question: what is the likelihood of becoming the culprit of a major accident. If you are an experienced driver who does not like recklessness and always follows the rules of the road, then this is almost impossible. But if you have doubts, then it’s better to buy additional DSAGO, because this is a very small price to pay for peace of mind on the road.

FAST

COMFORTABLE

RELIABLE

PROFITABLE

Use our calculator to calculate the cost of insurance in a few seconds.

Free 24-hour delivery of insurance to any area of ​​St. Petersburg.

We cooperate only with leaders of the insurance market. We have many years of experience in this niche.

You can be sure that you will not overpay. We carry out direct sales.

The MTPL liability limit for hardware is 400,000 rubles. But what if the damage from the accident exceeds this value? In such a situation, the difference will have to be paid by the person responsible for the accident, unless he purchased a DSAGO (voluntary motor third-party liability insurance) policy in advance.

Insurers use different abbreviations for this insurance. The most commonly used is DSAGO, but it can also be DoSAGO, DGO, DAGO or DSGO. Quite rightly, such insurance is often called “extended compulsory motor liability insurance”.

Voluntary motor third party liability insurance, or DSAGO DoSAGO in 2021

Car insurance in the Russian Federation is divided into several types, and only one of them is mandatory - compulsory motor liability insurance. All other types of protection are voluntary. Their main feature is expanded possibilities for damage compensation, that is, an increased amount of compensation and a greater number of covered risks. One example of voluntary insurance is DoSAGO (DSAGO).

The most popular way of voluntary car protection is CASCO. This is comprehensive insurance aimed at covering not only damage in an accident, but also against damage (for example, a tree falling on the car, driving into a ditch, etc.), theft, or complete loss of the vehicle. The sum insured under CASCO is usually equal to the market value of the car. A special feature of this type of protection is its high cost.

Other examples of voluntary car insurance in 2021 are:

• protection against accidents under the CASCO policy, when damage to life and health is also added to the covered risks;
• "Green map";
• DSAGO.

This type of protection is just beginning to gain popularity in Russia, so many drivers are asking the question: “DoSAGO - what is it, and how does this insurance work?” Essentially, this is an extended version of the MTPL policy. Voluntary insurance of civil liability of car owners involves protecting the liability of the car owner to third parties whose property or health was damaged. Compensation payments under the DSAGO policy are received by third parties.

The main need for taking out insurance with an extension is to increase the amount of insurance payment.

When calculating the amount of compensation, insurers underestimate the amount of compensation, taking into account the wear and tear of the vehicle. Often the payment amount is reduced by 20-25%. In other situations, the damage caused exceeds the maximum amount of compensation under MTPL. After all, treatment of the driver and his passengers, as well as repairs to the car of the person responsible for the accident, are not paid for under compulsory insurance. In such cases, DoSAGO is used. With the help of this policy, the owner has the opportunity to increase the insurance payment to an amount that he determines independently.

When applying for DSAGO, it is important to take into account the following features of this insurance:

• An agreement can only be concluded if you have a valid MTPL policy.
• The validity period of DoSAGO is similar to the period under OSAGO.
• The car owner has the right to independently choose the insurance amount. It varies between 300 thousand and 3 million rubles.
• The insurer can independently determine tariffs for DoSAGO. When calculating the insurance premium, factors such as the age of the motorist, his driving experience, insurance class and vehicle power are taken into account.
• Transfer of compensation under DSAGO occurs only after payment has been made for compulsory insurance.
• If the accident occurred due to the fault of a person not named in the policy, no compensation will be paid.
• The agreement contains a deductible equal to the limit of payments under compulsory motor liability insurance. The deductible in car insurance is the part of the insurance compensation that the motorist voluntarily renounces upon the occurrence of an insured event. Since reimbursement under MTPL occurs first, this amount under MTPL becomes a deductible.

• Novice drivers.
• Residents of large cities with busy traffic flow.
• Fans of driving on highways.

DoSAGO insurance is designed to cover damage caused to third parties. These include the following risks:

• property damage – to a car, road infrastructure, buildings;
• damage to life and health of third parties during an accident - other drivers, pedestrians, passengers.

The operating principle of the extended policy is as follows:

1. A traffic accident occurs due to the fault of the person who purchased voluntary insurance.
2. The established limit for compulsory motor liability insurance is not enough to cover the losses of persons injured in the accident.
3. Losses in excess of the limit under a mandatory policy are paid within the framework of DoSAGO.

It is most convenient to present the differences between these types of insurance in a tabular format.

Are there penalties for insurance companies?

Typically, the imposition of services occurs like this: first, an insurance company employee tries to convince the client of the need for such services. If the client disagrees, it turns out that there are no forms, and concluding an agreement is “impossible.”

There are situations when additional services can be useful: for example, if CASCO is expensive, and if the client lives in a disadvantaged area, it is advisable to include protection against theft.

Newbies, who usually get into accidents more often, may also need additional services.

If the car is old and in poor condition, it is worth taking out insurance without wear and tear, and if the car owner is transporting valuables, it is worth taking out property insurance.

Since 2014, motorists have had another opportunity to put pressure on car insurers.

Then a bill came into force according to which:

• If the client’s requirements are not met, the insurance company may be fined 50 thousand rubles. A similar amount is provided if it is proven that the latter imposed additional services.

There is also another method that allows you to solve the problem in question: applying for insurance via the Internet. Since 2017, all companies operating in the car insurance market are required to provide such a service. In such circumstances, the insurer does not have the opportunity to refuse to fill out the OSAGO form, citing the lack of documents.

When faced with illegal actions of insurers, it is important to remember that the law primarily protects the interests of motorists. If an unnecessary service is imposed, clients of an insurance company can go to court to protect their interests.

Such points are mandatory only in cases provided for by law, for example: insurance of the collateral property under a mortgage agreement. In any other situations, refusal of service, without appropriate reasons, should be regarded as an illegal action and be a reason to contact the regulatory authorities.

When applying for compulsory motor liability insurance, the driver will be asked to additionally conclude a life insurance contract, auto insurance, or another product of his choice, because:

• “We have this order” - thanks to the mentality of Russian citizens, it works in 20-40% of cases;
• "no extras" you must contact the central office, it is not possible in our branch” - works well when it is located in another city, several tens of kilometers away;
• “if you don’t want to pay for life, sign up for the general queue and wait 2 months” - the compulsory motor liability insurance period expires tomorrow, but you constantly need a car;
• “forms are out” - they magically appear when the client agrees to pay 3-5 thousand more;
• “then we’ll calculate to the maximum” - to choose the most advantageous offer you will have to visit several companies, and this costs time, which usually does not exist. In addition, the cost of insurance is determined using a formula that is uniform for everyone;
• “the authorities will punish me” - who wouldn’t take pity on the “poor girl/boy”;
• dozens of other reasons.

According to RSA statistics, the largest number of negative reviews and complaints about violations of consumer rights are recorded from regions that are disadvantaged in terms of road accidents. In first place are Moscow and the Moscow region, then Krasnodar, St. Petersburg, Rostov-on-Don (Novocherkassk), Lipetsk, Yekaterinburg, Nizhny Novgorod, Chelyabinsk.

The most prosperous cities are Volgograd, Voronezh, Ufa, Tagil, Kazan, Ulyanovsk, Novosibirsk, Samara, Kirov, Yaroslavl, Tuapse, Novokuznetsk, Kurgan, Izhevsk.

Every driver must have a liability insurance policy. According to Federal Law 40, the movement of vehicles not protected by this document is prohibited and punishable by a fine. Therefore, the MTPL agreement is a public offer, with equal conditions for all citizens.

Article 426 of the Civil Code of the Russian Federation, clause 3 states that if it is technically possible to provide the goods, refusal of service is not allowed.

The insurance agent is obliged to issue a policy on the day of application, except for the following cases:

1. no internet (connection with RSA database), electricity was cut off;
2. the citizen did not provide all the necessary documents (passport/identity card, vehicle registration certificate, driver’s license), and did not undergo a vehicle inspection at an authorized center;
3. the representative of the legal entity did not provide a power of attorney, a certificate of registration of the individual entrepreneur or organization.

The refusal must be made in writing, indicating the reason. With this document, the citizen has reason to contact the regulatory authorities to verify the authenticity of communication problems.

Who should buy additional contracts?

In recent years, the number of expensive cars on the roads has increased significantly. The cost of these vehicles amounts to millions of rubles. It is clear that having crashed such a car, the culprit of the accident, with the help of his compulsory insurance, will not be able to cover even half of the damage caused. To avoid such situations, traffic police officers and specialists in the field of automobile law recommend purchasing additional insurance for the following categories of drivers:

1. Residents of megacities, where traffic volumes on the roads can put even those with extensive driving experience in a difficult situation.
2. Drivers who regularly use highways.
3. Recent driving school graduates.
4. Road users with a dangerous driving style.

These categories are in the so-called “risk zone”, so additional insurance will not hurt them.

What does the law say?

The Law “On Compulsory Motor Liability Insurance” states that motor vehicle liability insurance is a mandatory condition for driving a vehicle. However, insurance should not be accompanied by any additional services, especially those imposed by an outsider.

When imposing additional insurance on compulsory motor liability insurance, the client can argue the following:

• For the imposition of additional insurance, penalties in the amount of 50,000 rubles are imposed;
• When insurance company managers simply refuse to enter into an agreement, remind them of the legal framework;

• The imposition of additional services is contrary to clause 2 of Art. 16 of the Law “On Protection of Consumer Rights”.

It should be remembered that insurers included in the RSA do not have the right to refuse to issue you with compulsory motor liability insurance without reason. However, if the client has an incomplete list of documents (some documents are missing in the original or a power of attorney certified by a notary), then the insurance company has the right not to issue insurance.

Extended MTPL insurance, what it is and how it is applied for

At the moment, any company that deals with this can obtain voluntary insurance. Some organizations can combine several insurances for you - this is quite convenient. You do not have to go to various departments and institutions - if a situation arises in which insurance work is required, you only need to contact one place, and the same organization will deal with your case. The payment of the compensation amount will be the responsibility of your insurance company.

Photo from MyCars24.ru website

This is one option where you purchase both insurances at once. However, there is another way - you can buy DoSAGO separately from the mandatory one. When purchasing this policy, you need to take into account such a factor as the type of payment you have chosen. This may be compensation in which wear and tear is taken into account or, conversely, without it being taken into account.

Important

Depreciation is the length of time you use the car; the longer the car is in operation, the more wear and tear, and accordingly, the amount of compensation is less.

When choosing between these two options, you should know that the second one is more profitable. The victim of an accident receives the full amount of compensation for damages, because it does not depend on anything, but of course this format will be somewhat more expensive. Next we will move on to the nuances of design.

What is the extension of OSAGO

Compulsory motor liability insurance of an extended nature is considered voluntary insurance, in which the interests of the owner of the property plan car are insured. That is, the risk of civil liability is protected. It is worth immediately highlighting that there is no mandatory instruction from the state to issue this policy, which has somewhat expanded clauses.

As an example, we can cite the following case. As a result of the traffic accident, a Citroen car was damaged. The cost of repairs is 350 thousand rubles. Under compulsory motor liability insurance, only a certain part will be paid, which will be equal to 150 thousand rubles. If you no longer have any policy on hand, then the remaining money will have to be paid from your own savings.

If you take out extended MTPL insurance, then all losses will be covered in full by the insurance company where you filled out all the documents. In addition to damage to the car itself, treatment of the person who was injured as a result of the incident will also be paid.

What is DSAGO

This insurance product is offered by many companies, and it is chosen by each car owner on a voluntary basis. Before purchasing it, it is necessary to study the conditions under which it is issued, and they are determined independently by all insurance organizations.

Important! The disadvantage of compulsory motor liability insurance, which is a mandatory insurance policy, is considered to be a small amount of money, which can be paid out as much as possible after an accident, so many people need to demand additional funds from the culprit of the accident.

The difference between DSAGO is that insurance companies increase the amount of money that can be paid to policyholders if they are involved in an accident where they are the injured party. Therefore, the purpose of DSAGO is:

• an insurance policy is purchased only after a voluntary decision is made by the car owner;
• the limited amount that is paid to injured participants in road accidents by insurance companies increases.

Important! DSAGO is not a replacement for compulsory motor liability insurance, so if there is a need for a DSAGO policy, you will have to buy two of these documents

Decoding DSAGO

DSAGO is a Voluntary Auto Civil Liability Insurance. An important difference between this document and standard MTPL is that it is purchased and chosen by vehicle owners exclusively on a voluntary basis. The cost of a DSAGO policy can vary significantly among different insurance organizations.

What is DSAGO? Photo: slideshare.net

DSAGO rules

Before purchasing this document, there are some rules that every car owner should know about:

• You can buy a policy only after receiving the OSAGO document;
• its cost may vary, so for a profitable purchase, be sure to study the offers of various insurance companies;
• In order to study all the rules of cooperation with a particular organization, you must consult with its specialists before directly paying for the policy.

Thus, the purchase of MTPL is considered optimal for car owners who have expensive vehicles, so even minor damage in an accident leads to the need to spend significant money on repairs, and payments under MTPL are not sufficient to cover all losses.

The cost of the policy and factors influencing it

The cost of this policy depends entirely on the pricing policy of the selected insurance company. At the same time, it is influenced by various significant factors, which include:

• type of car, since a domestic vehicle will be insured at a lower cost compared to a foreign expensive car, and this is due to the fact that the price of the cars themselves is significantly different;
• the amount of the maximum payment that will be paid to the injured party in an accident, and this amount can be chosen by the car owner himself, and the employees of the insurance company are based on this parameter in the process of determining the cost of the policy;
• the period for which the policy is purchased, and you can choose several months or a year, and the cost of such policies will differ significantly;
• year of manufacture of the car, since for new cars the cost of insurance will be less than for old cars;
• the power of the engine in the car, however, some insurance companies do not take this factor into account when determining the cost of insurance;
• the age of each person who will be included in the insurance and will therefore have the right to use the car;
• insurance experience of future drivers, since if it is less than three years even for one person included in the insurance, then its cost will be significantly increased.

This video will tell you why it’s worth doing DSAGO:

Important! The maximum amount that can be paid to the owner of the policy can even be several million rubles, however, for small regions where the number of cars is not considered too significant, choosing such a significant amount is considered inappropriate

The most common types of additional services

DOSAGO

This is voluntary insurance, which is an addition to the main contract. Relevant in the event of an insured event with an amount of damage greater than the compulsory motor liability insurance can cover. Although these are additional features when applying for compulsory motor liability insurance, they can be useful for the insurer when he has little driving experience.

The program is represented by voluntary insurance not of liability, but of the vehicle. It provides all sorts of risks that may arise during the operation of the vehicle. Everyone knows that concluding MTPL insurance contracts is mandatory, while CASCO insurance is exclusively on a voluntary basis.

Passing maintenance

Before insuring a car, the car owner must undergo a technical inspection, during which a full inspection of the vehicle is carried out, all sorts of problems are identified, and all the results are entered into a diagnostic card. This document is required for concluding MTPL insurance contracts. By analyzing the information in the diagnostic card, the insurer sees that the vehicle is in good working order and can move safely along with other road users.

Many motorists are required to purchase this additional car insurance. services, citing the fact that compulsory motor liability insurance comes only as a package. Such actions on the part of insurers are absolutely illegal. The client should know that imposing additional products is punishable by a fine of 50 thousand rubles. Therefore, he can safely refuse to conclude additional insurance and demand compulsory motor liability insurance without additional life and health insurance services.

Property insurance

Such cases are rare, but they do happen. Too greedy sales managers may try to sell home insurance if the person is the owner of a private cottage and parks the car in the garage or in the yard. At first glance, it is logical - suddenly a fire breaks out and the car gets damaged. But this is not an insured event under MTPL at all.

In addition to all of the above, insurance companies may offer some options that at first glance seem useful. But if you look at it, the likelihood that the client will use them is reduced to almost zero, this is:

• calling the emergency commissioner;
• evacuation of vehicles from the scene of an accident;
• insurance for all participants in a possible accident who are in the car at that time;
• taxi services to get somewhere after an accident;
• prepayment of legal support for an accident (the lawyer himself collects all the documents and submits them to the Investigative Committee);
• technical assistance on the road (for example, a car has broken down, the battery has died or a tire has burst).

As a rule, each option has certain exclusion clauses that significantly reduce the possibility of its use. The main goal of the insurer is to earn more money, and not to help the car owner in a difficult life situation.

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.

What is extended compulsory motor liability insurance?

Martin

Auto Guide, Articles

Today all motorists know about compulsory MTPL car insurance, but not everyone knows that there is also an extended MTPL.

What is the difference between these options, and what does DSAGO provide?

As you know, a compulsory motor liability insurance policy makes it possible to compensate for damage incurred during a traffic accident. However, everyone also knows that the amount of payments due under a compulsory insurance policy is strictly limited by law. That is why it is not always possible to receive full compensation for the damage caused, especially for owners of expensive cars. Typically, in such cases, insurance only covers part of the repair costs. Some people are happy with this, but others are not. Especially for those who want the insurance company to fully cover all damage, the so-called extended compulsory motor liability insurance was developed. This policy is an addition to compulsory insurance, but it cannot be purchased separately from the main one. The advantage of DSAGO is that the policyholder can expand the amount of insurance as much as he likes. Of course, you need to understand that the cost of insurance will then also increase, but in the future you will be able to receive full compensation.

After the occurrence of an insured event, the first thing to do is pay out under the main MTPL policy. If this amount is not enough to cover all the damage, DSAGO comes to the rescue. Extended insurance is a real salvation when several cars are damaged in an accident. Regular insurance would hardly be able to cover the costs, but DSAGO could easily cover it.

How to apply for DSAGO?

In order to apply for an extended compulsory motor liability insurance, you just need to come to the office of the insurance company and provide a package of documents. You need to have an MTPL policy, the policyholder’s passport, documents for the car, and a driver’s license with you. Then the insurance agents will do everything themselves, you just need to check all the conditions and pay extra to increase the insurance amount. When an insured event occurs, the procedure for receiving payment is exactly the same as for payments with compulsory motor liability insurance. You register an accident, receive the relevant document from the traffic police, submit all documents to the insurance company and wait for compensation within the established time frame.

How is the cost of extended insurance determined?

As a rule, each company determines the cost of DSAGO policies independently. Tariffs may vary depending on the level and scale of the insurer. However, in general, the principle of calculating the final cost is similar to how compulsory motor liability insurance is calculated. Such parameters as the age of the policyholder, his driving experience, as well as the power and age of the car are taken into account. Well, of course, the final cost of an extended insurance policy will depend on the sum insured, which can vary from 2-3 thousand to several million rubles.

Is it worth applying for DSAGO?

When you take out an MTPL policy, the insurance agent will most likely offer you extended insurance and assure you that you can’t live without it today. However, you should not fall for the insurer's tricks. The fact is that, in principle, compulsory insurance is enough for most motorists. In rare cases, it becomes necessary to register a DSAGO. Basically, the services of extended insurance are used by newcomers to the road, since it is in the first years of driving that most accidents occur.

How to refuse additional insurance?

• Compare the amount of insurance premiums from different insurers and choose one of them.
• Collect and provide the necessary documents.
• Carefully read the policy and make sure that there are no additional services.
• When imposing services, try to come to another branch, find another insurer, or defend your rights with reference to current legislation.
• Make payment.
• Get a policy. If you issued a policy online, you still need to have the original in hand.

After your documents are accepted by the Investigative Committee, no later than 10 days the money should arrive in your account.

This option is possible if there was no insured event, there were no claims for damages under the imposed insurance, and when the period of validity of the contract is additional. services more than 30 days.

When purchasing an electronic policy, the policyholder independently chooses which services he is interested in - this is done with a few clicks of the computer mouse. In order to refuse accompanying insurance packages, you simply need to uncheck the box next to each menu item.

We should not allow the UK to profit from our illiteracy; be more persistent and stand up for your civil rights. All employees of such organizations are well aware that their actions are unlawful, so there is a possibility that you will be able to achieve a fair outcome.

Opt-out options:

• If there is a persistent offer, together with civil liability, to insure life and property, you must inform about an existing similar agreement and politely answer with a firm refusal. If the agent talks about the impossibility of issuing a policy, act according to the program described in the previous paragraph, transfer information about the violation of the law to the regulatory authorities.
• Draw up an application for concluding an agreement and send it to the insurance company by registered mail with notification. If there is no reaction, contact the prosecutor's office, court, RSA, Central Bank with a complaint, attaching a postal service receipt.
• Conclude an imposed contract without objection. During the cooling period - 5 working days, apply for termination and refund. According to Decree No. 3854-U of November 20, 2016 of the Central Bank of the Russian Federation, the insurer is obliged to return the money within ten days, minus the duration of the policy.
• Apply for compulsory motor liability insurance online, on the official Internet resources of organizations.

Any organization that sells compulsory civil liability motor insurance services is required to issue a policy without any additional conditions not provided for by law.

The reasons why companies violate consumer rights are:

• the high level of accidents on the roads of the Russian Federation, which makes this area of ​​insurance unprofitable;
• agents often have a minimum wage, and receive their main income from the number of services sold. Therefore, they are trying to increase sales by any means.

Document numbers are entered into the appropriate resource windows, after which the cost of insurance is calculated and an invoice is generated. After paying in a convenient way and receiving funds, a file with the policy is sent to the user’s email, which can be printed on paper. If the original document is required, it will be sent by mail.

Electronic registration makes it impossible to impose additional services.

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.

What are the rates for the Voluntary Insurance policy?

Next, let's talk about payments under the DSAGO policy. The maximum amount of compensation must be entered and it depends entirely on the established insurance period, the technical parameters of the vehicle (this includes the following items: type of car, year of production and engine power), the liability limit chosen by the buyer, the age of the owner and his experience.

If you are interested in the exact cost of registration, it is impossible to say a specific amount, since it can fluctuate in a different range. Tariff plans are different for each individual company. However, there are a number of indicators that affect the final amount; based on this list, you can approximately calculate your option.

• Vehicle type;
• Driver age;
• Driving experience;
• Number of people included in compulsory insurance;
• The last and perhaps most important point is the maximum payout amount that you set.

Photo from the site kasko-kupit-v-spb.ru

So, let’s take as an example a minimum amount of 300 thousand rubles and a duration of one year. Payments for such an insurance package will be approximately 1200-1800 rubles. And if you calculate according to the maximum indicator - 12-18 thousand per year. As is usually the case, most prefer to stick to the middle level. This means that the insured amount is 1.5 million rubles and the payment per year is about 3-5 thousand rubles.

We will also pay attention to the timing of payment - if it is established that the insured event did occur, certain conditions and requirements will be taken into account: how timely the insurer was informed, whether the culprit and the victim who needs compensation submitted all the documents correctly. All this is provided from 5 to 15 days, depending on the distance of the area in which the accident occurred

Photo from the site kalkuljator-osago.ru

What documents must the person at fault submit in case of an accident?

A statement about what happened (you can find out how to write it from the company itself);

Insurance document (this can be a copy, the original is not required to be presented);

Document or copy for operating the machine;

Identification;

A certificate of a traffic accident, which you can obtain from the internal affairs authorities (a list of damages must be attached);

Photo from the site kalkuljator-osago.ru

A copy of the protocol, if it was drawn up;

If available, also a copy of the resolution stating that an administrative case was initiated;

A copy of the paper confirming that a medical examination was carried out, if any.

The cost of extending the MTPL insurance policy

The final cost and tariff for the additional extended package will be established when contacting the insurance company. Each of them provides its own tariffs, which should be followed. The coefficients are equivalent to those used for compulsory motor liability insurance. The main points that influence the amount to be paid include the vehicle itself, the identity of the driver, wear and tear of the car, and the number of persons included in the policy. Certain firms resort to degrees of division into men and women, for whom set prices are provided.

Average coefficients are from 0.2 to 0.3 percent of the total cost of the policy. That is, if the amount of insurance payments is 300 thousand rubles, then you will have to pay approximately 1,000 rubles. But it is worth considering that this will include the above factors, which will significantly increase its cost. If there is no desire to set restrictions on persons registered in the policy as drivers, then you will have to pay approximately twice the amount.

As an additional procedure when applying for an extended policy worth more than one and a half million, it will be necessary to send the car for a technical inspection and indicate in the papers all the necessary breakdowns and malfunctions. This will be taken into account later when determining the amount of payments.