CASCO insurance policy for taxis: cost calculation and how to apply for it in 2021

Quick links

1. Features of CASCO insurance for taxis?
2. Where can I get a comprehensive insurance policy for a taxi?
3. Taxi insurance cost
4. Types of insurance for taxis
5. Current questions and answers to them

One of the specializations of our company is issuing CASCO policies for taxis. Taxi is one of the riskiest businesses for a car, so it is important to apply for CASCO insurance to be sure that you will not be left with nothing if the taxi gets into an accident. Read more about registering CASCO insurance for a taxi in the article.

Registration of CASCO for a taxi

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Car insurance is one of the most pressing topics among motorists, since part of it, namely compulsory civil liability insurance (MTPL), is a mandatory condition for driving a vehicle. However, in addition to compulsory insurance, there is also a type of insurance such as Casco, which also has many nuances, which we will tell you about in this article. In particular, we will talk to you about such a pressing topic as motor insurance for taxis, and whether it is worth taking out.

Due to the fact that the level of traffic tends to continuously increase, therefore, the level of accidents increases in direct proportion. When driving a vehicle in such conditions, taxi drivers risk getting into an unpleasant situation a little more than other road users. Therefore, every taxi driver or company that owns a taxi fleet should think about purchasing a voluntary insurance policy (Casco for taxis) in order to protect themselves from major damage in the event of an accident.

Features of CASCO insurance for taxis?

The main feature of insuring taxi fleets and individual vehicles intended for transporting passengers as taxis is that, due to their constant and continuous movement, they have a high risk of getting into an accident, especially in large cities. Based on this, any taxi is a potentially unprofitable business for any insurance company.

Thus, almost every taxi driver or taxi company owner has heard a refusal from an insurance company at least once in his life. Moreover, companies are denied not only registration of comprehensive insurance for taxis, but also compulsory motor insurance is also regarded as a loss-making deal. We covered the problem of obtaining a compulsory motor insurance policy for a taxi in another article, which you can also find on our website.

Another problem, in addition to the refusal of insurance companies, is the high rates set by underwriters, due to the high risk of an insured event. Therefore, for taxi fleet owners, obtaining comprehensive insurance for taxis becomes absolutely unprofitable.

Next, we will briefly summarize what difficulties policyholders will encounter if they want to apply for comprehensive insurance for a taxi:

— Too inflated tariffs, which often exceed the tariffs for ordinary cars by 1.5-3 times, making taxi insurance absolutely unprofitable for both taxi companies and ordinary taxi drivers.

— Excessive rates for deductibles, which can reach 3% of the sum insured in the event of an accident and 20% in case of theft of the insured car.

— Strict control over compliance with traffic rules. This means that if a taxi driver does not comply with traffic regulations, he will be denied payments.

— If a taxi is involved in an accident, it is prohibited to resolve the dispute using the European protocol. You need to call the traffic police.

— The minimum driving experience when applying for comprehensive insurance for a taxi is also high, usually from three years.

In addition to all the above problems, it is worth noting that the cost of comprehensive insurance for a taxi also directly depends on the model and manufacturer of the insured car. For example, a comprehensive insurance policy for a taxi from the Chinese auto industry will cost many times more.

Insurance rules

The CASCO insurance program takes into account the following features when drawing up an agreement:

• The price of insurance can be increased up to three times that provided for ordinary cars;
• The age of the taxi driver will be limited (if the driver does not meet the established age limits, then the insurance company has the right to further increase the coefficient);
• Driving experience must be at least 3 years at the time of registration of the policy;
• Registration of an accident should take place only in the presence of traffic police officers;
• If the damage occurred due to the fault of the taxi driver, then the costs are not covered by the insurance company;
• A number of insurance cases in which insurance is paid for ordinary cars will be excluded, but a number of insurance cases specific to taxis will be included (for example, car downtime);
• High franchise cost;
• Insured events do not include damage to the interior.

If during the first insurance period, none of the insured events occurred, then a reduction in the franchise price and/or a reduced insurance premium for the next insurance period is possible.

Theft risks are paid at reduced rates. It is believed that regular use reduces the possibility of theft; pasting a car in corporate colors and a logo reduces its attractiveness to robbers. According to the rules, vehicles belonging to a taxi company are parked in a guarded parking lot.

Where can I get a comprehensive insurance policy for a taxi?

These days there are many insurance companies on the market offering different insurance policies for taxis. Due to such an abundance of the market, it is often difficult for policyholders to make the right choice. As for applying for comprehensive insurance for a taxi, everything is even more complicated here, since out of a huge number of companies, a huge part will simply be eliminated, refusing to insure a taxi car.

Therefore, the first thing a taxi driver or taxi company needs to do is make sure that the insurance company is ready to provide a comprehensive insurance policy for a taxi. After this, find out under what conditions this insurance contract will be possible. Speaking of conditions, the standard situation often prevails here. If the insurance company is ready to issue a comprehensive insurance policy for a taxi, the rates will be several times higher than for conventional vehicles.

The Autoplus company, in turn, is always ready to offer its clients the most favorable insurance conditions for comprehensive insurance for taxis. In addition, we always have interesting offers for our clients. For example, if you simultaneously issue compulsory motor insurance and comprehensive insurance policies for a taxi, the client will receive a discount of 10% of the cost.

Why insure a taxi with CASCO

Cars have a high risk of getting into traffic accidents, because... Motorists spend a lot of time on the road. Extensive driving experience does not insure against the risk of getting into an accident, since accidents often occur due to the fault of beginners or pedestrians.

Having received a CASCO policy, the owner protects his material interests. The main difference from the MTPL policy is a wide range of insurance events, in the event of which the client receives an insurance premium. The policy covers all expenses incurred during the restoration of the car and the purchase of a new car.

Having insurance, the driver is not responsible for repair costs and compensation for damage. But it is worth considering that all insurance organizations can increase the coefficient when connecting the service.

Taxi insurance cost

Basically, the cost of comprehensive insurance for a taxi that insurance companies can offer is almost the same. However, it is worth knowing the following factors that influence the formation of the price of final insurance services. We will tell you about these factors further.

Year of car manufacture

So, the first factor influencing the cost of comprehensive insurance for a taxi is the year of manufacture of the car. The newer the insured car, the cheaper the insurance policy for a taxi should be. If the vehicle is over 5 years old, the cost of insurance will increase sharply. And cars older than 10 years are practically not considered at all by insurance companies.

Taxi driver age

Following the year of manufacture of the car is immediately followed by the age of the policyholder. So, for taxi drivers who have not yet reached 21 years of age, the cost of comprehensive insurance for a taxi in many insurance companies will be very high. And in some cases, without a certain length of service, insurance for a taxi will simply be denied. Likewise, for those taxi drivers whose age is above 65 years, comprehensive insurance tariffs will also be increased.

Region

As in the case of compulsory motor insurance, one of the important factors influencing the pricing of comprehensive insurance for taxis is the region in which the car is insured. So, if a region is heavily populated and has a lot of traffic, then insurance for a taxi there will cost more than in a region with a smaller population.

Franchise

This term implies a certain fixed amount that will not be paid to the taxi driver in the event of an accident. Roughly speaking, this is the level up to which the driver will have to compensate for the damage himself. If the damage costs more than the deductible, the insurance company will cover the losses.

Above we have listed the most basic factors influencing the cost of comprehensive insurance for a taxi, but in this section you should not forget such important components as:

• The place where the car is repaired in the event of an insured event can be either your own service station or a station appointed by the insurance company.
• The amount of insurance compensation without additional documents, for example, from the traffic police.
• Type of sum insured (aggregate or non-aggregate)
• Additional service (evacuation, etc.)
• And also the type of comprehensive insurance (full or incomplete).

CASCO policy documents

When applying for a policy for a vehicle that is used for commercial purposes, you need to provide a standard set of documentation. But additional documents (conclusions, extracts and certificates) may be required.

The main package includes:

• Passport of a citizen of the Russian Federation who is the owner of the car (when third parties use his car as a taxi, it is necessary to provide their passports and driver’s licenses);
• Statement;
• PTS;
• Certificate of state registration of the vehicle.

Additionally, the following documentation may be required: automotive technical expert reports on the condition of the car and a certificate of state registration of the car (for legal entities).

Types of insurance for taxis

So, as we mentioned above, comprehensive insurance is divided into two categories: complete and incomplete.

Full comprehensive insurance

Full comprehensive insurance assumes coverage of damage in the cases listed below:

• theft or theft of a vehicle;
• damage due to an accident;
• illegal actions of third parties, for example, arson of a car or other harm;
• accidents with animals;
• damage from natural disasters;
• fire;
• soil failure;
• man-made accidents;
• accidents on sewer, heating and water supply systems;
• falling of any objects.

As you might have guessed, such a comprehensive insurance policy is the most expensive, and speaking of comprehensive insurance for a taxi, it is worth noting that it will be disproportionately expensive.

Thus, a full comprehensive insurance policy for a taxi is practically not issued, but is done in cases where

• the policyholder has sufficient available funds;
• the vehicle was purchased with borrowed funds issued by the bank.

Partial comprehensive insurance

It’s not difficult to guess that partial comprehensive insurance is the choice of most motorists who purchase a voluntary insurance policy, since its cost is significantly lower than the full one.

In turn, partial motor insurance covers the following damage:

It could be:

• hijacking;
• damage from road accidents;
• theft + damage from road accidents, etc.

Some of the most frequently purchased partial comprehensive insurance products are:

• CASCO Light. This package includes coverage for losses resulting from theft of a vehicle, total destruction, and severe damage. In turn, for minor damage, insurance payments are not made. Casco Light is ideal for experienced drivers and simply careful car enthusiasts.
• Anti-crisis CASCO or Economy. This package provides for one request per year, and only in case of theft or major damage. This program does not provide coverage for the consequences of natural disasters and coverage in the event that the insured is not at fault in an accident.

Advantages and disadvantages of each type of CASCO

In order for you to clearly choose the best insurance policy for a taxi, we will present you with the table below, where we consider the advantages and disadvantages of each type separately. Thanks to the clarity, you can immediately draw your own conclusions and find the type of motor insurance for a taxi that is right for you.

Registration procedure

Purchasing protection is not as difficult as it might seem. The registration procedure is the same in all companies and includes several main stages.

Registration procedure:

1. Select an insurer

Since not all insurance companies are ready to provide CASCO insurance for a taxi, you will need to clarify all current offers and choose the company from which protection will be purchased. When making a choice, you should pay attention to the insurer’s rating and reputation. As a rule, experienced experts advise using the services of only large companies that have been on the market for several years.

1. Provide documents and receive payment

Only if you have a complete package of documents, the insurance company manager will be able to make calculations and draw up a contract. At this stage, you need to get a quote for all available programs and choose the option that suits you.

1. Show car

Before signing the contract, you will need to show the vehicle to an authorized employee. The company’s specialist will not only perform an inspection, but will take photographs of the car and note all the damage that exists at the time of insurance.

If the vehicle has numerous damages, the insurance company may refuse to provide voluntary service.

1. Sign and pay

Once the contract is agreed upon, all that remains is to make payment and sign. During signing, it is necessary to check that the contract contains a note that the vehicle is used as a taxi.

The procedure for obtaining a policy consists of the following steps:

1. Providing information required from the policyholder
2. Full payment calculation
3. Selection of conditions and additional functions in each specific case
4. Vehicle inspection. It happens that in the process, discrepancies between technical characteristics and approved state standards are discovered. In such a situation, adjustments are made to the contract.
5. CASCO registration procedure
6. Entering the contribution amount

Current questions and answers to them

Question:

Is it possible to take out not “open” MTPL insurance, but for each driver separately? It's cheaper that way. What is the practice in insurance?

Answer:

It all depends on the owner of the vehicle:

A) Owner – Legal entity

An MTPL policy is issued only on the condition that an unlimited number of persons are allowed to manage it

B) Owner – Individual

The right to choose is already present here:

— If compulsory motor insurance is without restrictions, then an increased coefficient of 1.80 will apply

— With a limited number of persons allowed to drive (when certain drivers are included in the policy), the calculation is made:

By age and experience. If the driver has changed, the Insurance Company can replace him in the policy with a new one.

If the new driver’s age, length of service and accident-free rate (FMR) do not differ from the previous one, then the replacement will take place without any additional payments.

Question:

What should a driver driving a rental car do in the event of an accident? And what should the owner do (if CASCO insurance)? How long will the downtime of the car last (it must undergo an assessment, hidden defects, etc. - it will not be possible to send it for repairs right away, and in a rental, every day of downtime is a loss)

Answer:

Driver actions: call a traffic police inspector. In some cases, the owner asks them to call the insurance company from the scene of the accident and report the insured event, but this does not always happen! Usually, they call the traffic police, and then provide all the Documents to the lessor's company, and the client's representative reports to the insurance company, provides all the documents by proxy and decides on the inspection of the vehicle.

The insurance company usually issues a referral for repairs no later than 20 days from the date of submission of all documents.

Question:

Question about the CASCO constructor - it includes various risks. Is it possible to remove such things as minor accidents, cracks in glass, broken mirrors (minor damage), because... Is this common in taxis? Will this make taxi insurance cheaper?

Answer:

Minor damage can be eliminated thanks to the deductible that we described above. Or insure the taxi only against complete destruction and theft.

Can CASCO be economical?

The cost of taxi insurance is quite high. However, there are a number of proposals that will reduce the price of the policy.

Franchise

The most common option is a franchise. By including this clause in the contract, the policyholder pays a smaller amount under the policy, but pays the resulting difference independently upon the occurrence of an insured event. It looks like this:

• The cost of a (full) CASCO policy for a car is 50,000 rubles;
• Franchise – 15,000 rubles;
• The final price of a policy with such a deductible is 30,000 rubles.

The policyholder pays the insurer 30,000 rubles. when signing the contract. If an insured event occurs (road accident, other damage provided for by the policy), the owner pays 15,000 rubles. from the total cost of repairs, and the insurance company completely restores the vehicle. Thus, the CASCO policy, together with repairs, cost the policyholder 45,000 rubles instead of 50,000 rubles (if the deductible is not applied).

Advice from insurers

Insurers also offer to use one of the programs. Savings on CASCO policy for taxis are provided in the following service packages:

• Insurance cases. It is intended to include only those risks that are most appropriate. For example, a CASCO policy only against serious damage will cost the policyholder significantly less than the base price.
• Accident-free driving. Experienced drivers who have not been involved in an accident can take advantage of this offer. The policy can set a limit on the number of accidents, that is, 1 or 2 accidents will be recognized as an insured event, at the request of the client. Then the CASCO price is reduced by 10-20%.
• Smart CASCO. The option provides for the installation of special equipment on the vehicle. With its help, the degree of driving safety is monitored. Accordingly, if the driver is as careful as possible on the road and does not create emergency situations, then the insurer provides a discount on the policy for the next insurance period. Its size can be up to 50% of the original cost of CASCO.
• Installation of modern satellite anti-theft systems. Depending on the options, the policyholder may receive an additional discount, for example, for installing an additional immobilizer, hood lock, or bookmark.

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Which insurance companies should I contact?

More than a hundred insurance institutions provide this service. The main thing is to choose the most suitable one in terms of conditions.

Don't chase low prices. In most cases, this ends with the company refusing to make payments due to non-compliance with additional conditions specified in the contract.

To ensure that your insurance is as profitable as possible, pay attention to the following points:

• type of payments: renewable or not;
• terms of insurance compensation: money or repairs at a service station;
• additional services;
• full or partial CASCO package;
• a list of parts for which damage will not be paid.

To choose the best offer, be sure to read reviews of all the companies you consider. Chat with friends, read forums, etc. The most reliable institutions:

1. Rosgosstrakh. One of the largest companies in the Russian Federation, which has been operating since 1992. Purchase of insurance is carried out at the main office. The registration process will not take more than 3 days. All submitted documents are checked by the security service.
2. SOGAZ. Another large company providing taxi insurance services. To formalize the contract, you must provide all documentation for the transport and the vehicle itself. A sample contract is issued on the day of application.
3. Ingosstrakh. This institution provides clients with several taxi insurance programs to choose from. The contract form can be viewed on the day of application. Registration takes no more than an hour.

These are basic, reliable companies. You can also contact:

• MAX;
• AlfaStrakhovanie;
• Reso-Garantiya;
• VTB Insurance;
• Agreement.

Reasons for taxi insurance

Unlike a regular car, a taxi is subject to more risks than the average car. This is why many companies refuse to provide taxi insurance.

Wear and tear of auto parts and accidents are not the only reasons for comprehensive insurance:

• car theft;
• robbery;
• removal of license plates;
• vandalism of a car.

And this is not a complete list of reasons why you should take out taxi insurance. There have been cases where a driver has been seriously injured during a robbery.

Therefore, such prospects are not viable for companies in any case. Either they don't add this item or the package price is higher than the standard price. Therefore, CASCO insurance will cost the driver much more. But the cost of repairs in case of an accident, as well as the purchase of a car, will cost even more.

The benefits of insurance for a person are as follows.

1. If your car is damaged (or destroyed) as a result of an accident, depending on the extent of the damage and the amount insured, you will be paid an amount that fully or partially covers the cost of the damage. However, the driver can recover this amount from the person responsible for the accident. This process will take a very long time, after which the specified amount will be paid by the culprit of the accident monthly (minimum).

If the person at fault for the accident was under the influence of alcohol, the insurance company may refuse to pay insurance.

1. Some packages may include payment to restore the vehicle to its original condition. This includes not only the cost of repairs, but also the cost of the average salary while the car owner is repairing the car.

How much is insurance?

To correctly calculate the policy rate for a car used in the case of a taxi, time-tested formulas are used. Therefore, typical coefficients are most often used by which the starting price is multiplied:

1. An overestimated rate is from 1.5 to 3 if the driver is under 21 years of age or over 65 years of age.
2. An increased coefficient from 0.2 to 2 is appropriate when the car is worn out (old model or brand, year of manufacture).
3. Operation at night also increases the final insurance price.
4. The more often a particular vehicle has been involved in an accident, the higher the cost the company will set.
5. Who is considered the owner of the property (individual or legal entity) also affects the tariff.

Each insurance company has a personal calculator on its official website, where you can independently calculate the final price of the agreement. The built-in system takes into account individual tariffs and the company's basic prices, so in order to calculate the final figure, you need to fill out all the fields. By calculating the average value for each option, the driver will be able to choose the best offer. Typically, the price of a ready-made CASCO document issued in the capital is about 20 thousand rubles.

How to calculate the cost?

It is worth considering that the final price of the CASCO policy, which is assigned directly to a taxi, is determined by such classic factors as:

• year of manufacture of the car (older versions, more than 10 years old, are insured at a higher price);
• point of performance of restoration work (repair);
• age (must be between 21 and 65 years old);
• model, make of the car (foreign production is often insured, but it is more difficult to find an option for domestic cars);
• the amount of payment with an incomplete list of documents and certificates;
• work experience as a taxi driver (driving experience must be 3-5 years);
• fact of additional services (evacuation, accident commissioner, dispatcher);
• total number of risks (choosing full or partial CASCO).

Without errors, you can find out the usual prices for CASCO insurance for a taxi using the built-in online calculators, which are presented on the official portals of insurance companies. Although the final cost is determined more accurately with the participation of the manager in the office.

Where can I get insurance?

Insurance companies that specialize specifically in protecting vehicles offer taxi insurance under CASCO under special conditions. For narrow-profile fleets and drivers, the main factor will be cost, but in addition to prices, you need to focus on the proposed risks, franchise format, discounts and other conditions. The most popular among domestic companies are:

1. AlfaInsurance (they offer quite economical policies that include compensation for losses after accidents, theft and total loss of a car - the owner of the car has the right to establish the list of insured events himself).
2. Rosgosstrakh (the standard package includes compensation for losses, assistance from an emergency commissioner, evacuation of the damaged car from the scene of an accident and technical assistance on the road within city limits on a franchise basis).
3. Ingosstrakh (guarantee 100% compensation for losses after theft, destruction of a vehicle, as well as compensation for profits for taxi downtime in the event of an accident - the possibility of monetary compensation without a full set of documents).

It is important to study all the nuances of obtaining CASCO protection for a taxi in advance. It is recommended to first use a special calculator to calculate the future cost of the selected policy. But you need to understand that even such calculations will not be final - only the manager will tell the final price on an individual basis.

Necessary documents for registration

When purchasing personnel insurance for taxi drivers, the driver must provide the necessary list of documents.

1. Statement. Elements may vary. However, this is one of the main documents that an applicant must fill out.
2. Passport details. They confirm the driver’s identity (passport, driver’s license, technical passport). If the vehicle is driven by other persons who have access to the vehicle, it is necessary to indicate this point in the application and confirm it with documents (or photocopies thereof) and a power of attorney to drive the vehicle by an unauthorized person.
3. Passport for the vehicle.
4. Vehicle registration card.

In addition to the basic insurance requirements, various organizations may require additional documents.

Registration procedure

If you are satisfied with the approximately calculated tariff, you should contact the chosen company to proceed to the main stage - drawing up the insurance contract itself. The procedure for concluding a CASCO policy for a taxi has approximately the following algorithm:

• providing complete information on the car and driver (according to company policy);
• calculation of payments (final version using a special calculator, taking into account all factors);
• selection of conditions (at the same time, related services that will be specified in the contract as bonus points);
• inspection of the vehicle for compliance with technical documentation and state standards;
• signing of the agreement and payment of the contribution by the policyholder.

An important role is played by a ready-made package of requested documentation, which must be clarified with the selected company and collected before applying. Typically, the main policy conditions for taxi drivers in each company will differ significantly, so you need to focus on the parameters of a specific organization.

What are the design features?

Since many organizations are extremely reluctant to take responsibility for the risks associated with commercial transportation, insurers additionally prescribe the following conditions for future consumers (drivers):

1. Minimum experience as a taxi driver is 2-3 years.
2. Age (minimum threshold – from 25 and maximum – up to 60 years).
3. Driving accident rate (KBM and number of accidents are taken into account).

To begin with, the taxi owner must provide all the information necessary for concluding an agreement to the insurer. After this, the insurance premium is calculated, the conditions for issuing CASCO are discussed, and the specialist informs the driver about his rights and obligations.

The company may require that the taxi be formally inspected by an accredited workshop. After this, the car owner only needs to take out a policy and pay standard premiums. Additionally, the management of organizations providing commercial transportation must necessarily inform the company about the specifics of the use of insured vehicles, otherwise they risk subsequently not receiving compensation for concealing important information.

Required documents

Insurance for a car used for commercial purposes involves a standard set of papers, which is also required when taking out a policy for your own car. Individual organizations have the right to request additional conclusions, reports and extracts from service points. Although the basic set of documents includes:

• owner's civil passport;
• driving licence;
• ID cards of other drivers;
• vehicle passport;
• certificate of state registration;
• application addressed to the boss.

Sometimes they may require an optional list of papers, which is necessary in the case of a taxi:

• conclusion of an independent car inspection;
• certificate of state registration (for legal entities).

And when applying for CASCO insurance for a car that is used for commercial purposes, it is worth providing a slightly different set of documentation:

• passport of a citizen of the Russian Federation (owner);
• driving licenses of third parties;
• application for the insurance company;
• vehicle passport;
• certificate of state registration of the car.

Relatedly, documentary evidence of technical expertise on the technical condition of the machine may be required as a guarantee when concluding a transaction.