Where is it better to insure a car for CASCO and OSAGO
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Where is it better to insure a car for CASCO and OSAGO

27.06.2022 /

Today, there are a lot of companies in the insurance services market that offer various conditions for insuring your car under different programs. It is quite difficult to decide on the most favorable conditions, and it is even more difficult to choose the most suitable company for you.

If we talk about obtaining an OSAGO policy, then almost all insurers offer more or less the same services, and the price of insurance itself is strictly fixed and depends on different coefficients. It is more difficult to choose a company for registration of "CASCO". You can only advise car owners on what factors to pay attention to and, based on this, choose an insurer.

Where is it better to insure a car for CASCO and OSAGO

So, reading the terms of the contract, specify what obligations the company undertakes:

  • within what period the decision on the payment of compensation is made;
  • whether agents arrive at the scene of an accident;
  • whether you will receive payments if you have minor damage - a broken headlight or rear windshield;
  • will the representatives of the company help you with the collection of all documents in the traffic police;
  • how disputes are settled.

In terms of the speed of making decisions on the payment of compensation, LLC IC Zurich.Retail is the leader, in case of theft a decision will be made within 12 days, damage as a result of an accident - 7 days, the company not only provides the services of damage appraisers, but also its own equipment for transportation and parking.

An important factor is car annual depreciation. The car depreciates in value depending on age: 20% - the first year, 15% - the second year and the third. The lower the depreciation specified in the contract, the more money you will receive, for example, if a car worth 15 thousand USD was stolen from you, then if it is stolen in a year, you will receive under the policy - 15 thousand - (15 thousand / 100 * 20) = 12 thousand c.u.

Where is it better to insure a car for CASCO and OSAGO

Separately, it is worth noting that many services are provided only for a certain type of car, for example, foreign cars no older than 2 years.

The CASCO policy itself will cost at least 10% of the cost of the car. Not many car owners have that kind of money. You can choose insurance companies that can offer you to pay the cost of "CASCO" in installments for several payments. You can also reduce the cost of the policy if you choose only certain risks that you want to insure against - only theft or only damage from an accident.

From our own experience, we could recommend the following companies:

  • "Zurich. Retail";
  • Rosgosstrakh;
  • Progress-Garant;
  • “MSK-Standard”;
  • "Ingosstrakh"
  • "ROSNO".

But you don’t need to focus specifically on these companies, because if you need some special insurance conditions, then you can find great deals from other insurers.




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