How to arrange a hull. How to get a casco insurance claim? How to get Casco without traffic police
The package for registration is similar to CTP. We need papers for the car, the owner, the insured, the beneficiary and the drivers inscribed in the insurance. We will tell you what documents
needed for hull insurance, although not required at.
Title and vehicle registration certificate (CTC). For an ordinary citizen, one of these is enough. They are sometimes confused. Here are some examples.
The package of documents for CASCO is similar to CTP, but slightly more
And this is a certificate of registration:
What documents are needed for CASCO depends on several factors: who is the owner of the car, what additional. equipment installed, whether the vehicle is in a pledge.
What documents are needed for CASCO to an individual
We determine what documents are needed for CASCO to an individual:
- Passport of the owner;
- The passport of the policyholder, if he is not the owner of the vehicle. And a power of attorney from the owner for the implementation of insurance, in a free form;
- Driving license of all who will be deducted in insurance.
Legal entity requirements
- Certificate of registration and card details of jur. persons;
- Power of attorney for a signatory with the right to insure transport;
- Signature Passport.
What else might you need
Above is a general list. Depending on the situation, insurers put forward additional requirements.
Usually an inspection certificate is required. To indicate existing damage and deficiencies. Always check the completeness of the keys, there must be at least two. If an alarm system with auto start is installed in the car, into the system of which one of the keys is sewn, an additional one must be ordered. Through official dealerships. It is better to do this in advance, the minimum key waiting period is a month.
If you have only one ignition key on hand, order an additional one. For CASCO, a minimum of two keys is required.
Let's see what documents are needed to get a car on credit or leasing. In the first case, a loan agreement may be required; the bank is often the beneficiary. This is a plus. The Bank, being an interested party, can contribute to resolving disputes in the event of an insured event. When leasing, they will request a tripartite leasing agreement (between the car seller, the lessor and you) with the right to transport insurance by the lessee. Or an additional agreement to it on insurance conditions. But more often, leasing companies themselves are engaged in car insurance, as well as interaction with the insurer in an accident. Which is also convenient.
When buying a new car in a salon that is not yet registered, instead of the STS, many insurers request a copy of the contract of sale. And for the extension of the expiring policy - the previous form.
Since CASCO insures property, you can insure extra. equipment. To do this, copies of papers are made about their installation on the car (usually an act of completion or an order-outfit). Installing a satellite security system significantly reduces the price of insurance, for this an alarm passport is provided.
Memo
Cars under 10 years old are insured. Sometimes the age limit is 5-7 years. Gather the necessary papers in advance. The policyholder may be a third party. Even without a driver’s license and not being entered as a driver. If an alarm is installed on the machine, be sure to indicate this. Feedback security system will save you up to 30% of the charge for the risk of theft. Satellite anti-theft protection with GPS tracking saves up to 50%.
Low-quality gasoline and its effect on the condition of the car
Gasoline is the fuel most commonly used in internal combustion engines (ICE).
This fuel is obtained from oil by distillation, as well as further chemical treatment. The liquid itself should be transparent and have a sharp specific smell.
"Blind spots": description and methods of dealing with them
“Blind spots”, better known to motorists as the “dead zone”, pose a great danger on the roads. But if an experienced driver knows what the “blind zone” is and how to deal with it, then for a person who just got behind the wheel, this statement does not carry any meaning.
But all is well that ends well. In our case, when we become participants in traffic, it is necessary to pay attention to the slightest change in the situation on the roadway.
Safety for pets when driving a car
The contented face of a dog riding in the front seat next to the driver always cheers up other road users. We all love to take our four-legged pets with us on the road.
Any trip to the cottage or a picnic can be issued for your dog holidays, and a trip to the veterinary clinic - sadness. But no matter why and where we take our furry friends, we must remember the rules of transportation.
Transportation of small and large animals
Animals such as hamsters, rats, cats, etc., must be transported in a special container or cage. This is due to the fact that a frightened animal may try to jump out of an open window, climb under a seat, or, worse, under its feet to the driver.
Therefore, no matter how you feel sorry for your pet, put it in a cage during transportation.
Engine failure - repair or buy a new one
Engine failure
Typically, the engine resource for domestic vehicles is about 150 thousand kilometers, and for foreign cars is twice as much. With the right approach, the motor will work much more.
The most common mistakes in understanding traffic rules in different countries and the consequences
Every year, traffic police fines thousands and even tens of thousands of drivers. This happens for one simple reason - violation of the rules of the road. It would seem that everyone was equally studying in a driving school and after passing exams, but this is somewhat different.
Oddly enough, even the most exemplary drivers get into funny situations, not because they wanted to break it, but because they misunderstood the interpretation of some of the traffic rules.
Who is to blame for ignorance?
Oddly enough, one of the key reasons that the driver misunderstands the interpretation of traffic rules is that his teacher at the driving school was not able to convey the essence, or rather, convey it not in a distorted form.
For this simple reason, we can confidently say that the teacher’s mistake leads to an emergency on the roadway, fines and other unpleasant events.
How to remember traffic rules before the exam: useful tips and tricks
There are various driving schools where training methods can differ significantly from each other. But no matter how different these institutions are, at the final stage of training everyone passes the exam. This, without a doubt, is a very responsible and important step in the life of every future motorist. Tickets for traffic rules change every year, so just picking up and cheating will not work.
Although we can say that there is an alternative way - a bribe. And since a person always follows the path of least resistance, a part does so. But there are several significant nuances. Firstly, it is quite expensive, and secondly, such drivers are not encouraged on the road.
Therefore, if you are one of those who were going to surrender to rights on their own, then get ready for what will be difficult, very difficult.
The technical details of the CASCO policy are no less important than the insurance conditions. For example, due to errors and inaccuracies, the insurance company may invalidate the policy, and when applying for a payment, it will simply return the insurance premium instead of paying compensation. A few simple rules will help to avoid such consequences.
Insurer's authority
Insurance activity is subject to mandatory state licensing. Monitoring compliance with legislation in this area lies with the Central Bank. This institution monitors the status of licenses of all domestic insurers.
Accordingly, the insurance company must certainly have a license indicating the right to execute voluntary car insurance contracts. The original of this document is stored in the head office of the insurer, so the client can only get acquainted with a certified copy.
This should be done before applying for a CASCO policy, because this is the only way to verify the credentials of an insurance company. The absence of a license means that the organization is not entitled to conclude voluntary car insurance contracts. The policy of such a company is no different from ordinary paper.
Individual employee credentials
Not all managers of the insurance company are authorized to sign documents. By default, only the head of the organization has this right. However, he cannot single-handedly sign several thousand insurance policies, therefore he delegates authority to other responsible employees.
As a rule, the following categories of managers have a power of attorney for the right to conclude insurance contracts:
- Top management staff (deputy heads).
- Heads of territorial divisions (branches and agencies).
- Heads of insurance departments.
Moreover, the power of attorney will certainly indicate the maximum insurance amount for each type of insurance. If the document indicates that the limit of manager’s liability when applying for a CASCO policy is three hundred thousand rubles, he is not entitled to sign contracts with a larger insurance amount.
You should be asked to show such a power of attorney to personally verify the credentials of a company representative. At the same time, it is worth checking the signatures in the power of attorney and in the policy, because often because of technical overheads ordinary managers sign documents for their leader.
Document Requirements
It is worth paying the closest attention to the signature of the authorized employee and to the seal of the organization. The first should coincide with the model in the power of attorney for the right to insurance, the second should be done with real ink, and not in a printing way.
Signing of original policies and receipts by facsimile is not allowed (except for electronic versions of insurance). If there are disagreements with the insurer, it is easier to prove in court that the contract has legal force if it is signed personally by an authorized employee.
The CASCO policy form itself may vary in each individual company. However, in this case, such a document in any case has a series and number, as well as fields for filling in all important parameters.
In addition, the policy must certainly include a reference to the CASCO rules with the effective date of this document. It is noteworthy that when applying for insurance, many companies give private car owners only a policy and insurance rules. There is no mistake, because in this case all the key aspects of insurance protection, including the obligations of the insured, can be found in the CASCO rules.
Data checking
You should thoroughly study the policy to verify the correctness of all data, including information about the policyholder, car owner, drivers and beneficiary. In addition, it is necessary to carefully check the parameters of the insured car, including serial numbers.
The slightest mistake will give the insurer the opportunity to cancel the contract upon the occurrence of the insured event. Of course, this can happen only after a court decision. Yes, judges often take the side of car owners, but it is theoretically possible that the insured will lose a similar process.
If you have errors and typos, you must insist on correcting the document. And it is desirable that managers issue a policy on a new form. Otherwise, you will have to conclude an additional agreement, which will lead to excess paperwork.
Proof of payment
The CASCO policy will not enter into force if the car owner does not make an insurance premium. In some cases, policyholders have to prove that they really paid for the insurance. To do this, you will certainly need an appropriate document.
The insurance company can accept payment both in cashless form and in cash. In the first case, it will not be difficult for the car owner to confirm the fact of payment, because he will have the payment order certified by the bank in his hands. In addition, this document can always be requested again.
In case of payment of insurance in cash, a receipt of form A-7 is issued. This document indicates the timely payment of insurance fees.
If the receipt is lost, the insurer will at best give the client a photocopy of this document. Therefore, you need to carefully store the receipt at least until the end of the insurance cover. When paying for the policy by installments, all receipts issued by the insurer should be collected, and it is better to keep them for another three years after the expiration of the policy.
Sample receipt form A-7DownloadIntermediary Services
When purchasing a CASCO policy through an agent or broker, including at a car dealership, it is worth checking whether the intermediary has actually transferred documents and money to the insurer. Often, brokers and agents violate the timing of the transfer of necessary securities. Naturally, all this time, the responsible employees of the insurer did not even guess about the new client.
To find out about difficulties in a timely manner, you need to contact the contact center of the insurer. It is advisable to contact the insurance company a few days after completing the policy. Managers will let you know if the intermediary has transferred money and documents.
If it turns out that this did not happen, you must contact the agent and request the immediate transfer of the CASCO policy to the insurer. When an insurance event occurs, such a hitch is fraught with big problems, because the insurance company may question the liquidity of the insurance.
As a rule, after this the policyholder receives compensation only by court order. This scenario is fraught with a waste of time and nerves, therefore it is better to timely monitor the process of interaction between the insurer and the intermediary.
CASCO car insurance should protect the interests of the car owner in case of force majeure or accident.
The insured car must be repaired regardless of the culprit of the incident. However, relaxing in the belief that in any case you will receive monetary compensation is not worth it. According to the terms of the contract, it is necessary to comply with certain legal norms and rules, correctly execute accidents, and also timely submit the necessary documents for compensation for insurance payments.
How to make an accident on hull?
In the event of an accident, it is necessary to stop the car at the scene of the accident, while displaying emergency stop signs. If there are no casualties, you must first call the traffic police. To get insurance, you need a document that reflects the circumstances of the accident. It is recommended to photograph the scene of the accident with vehicle positions and damage. It is also important to maintain contact with witnesses to the accident.Traffic police officers are required to document the testimonies of the accident participants and draw up an accurate layout of the vehicles involved in the accident. After that, a notice of an accident is issued. You must immediately notify the insurance company about the accident.
After some time, a date will be set for the meeting of road accident participants to examine in detail the accident at which the culprit will be identified. At the meeting you need to get the documents:
Copy of the decision on an administrative offense;
Certificate of participation in an accident indicating the damage caused to the car;
Help for the insurance company;
A copy of the Protocol drawn up at the scene.
What is the difference between CASCO and CTP?
CASCO and CTP - types of property insurance, which are issued in respect of the machine. The fundamental difference is that CASCO protects your car, and OSAGO insures the driver’s liability at the time of the accident, in other words, CASCO insurance will save your money if you need to repair your car, OSAGO protects your budget from payments for repairing someone else’s car, including in case you were the culprit of the accident.CTP and CASCO. Basic principles
Another difference is that CASCO is a voluntary type of insurance, while CTP is not. Without compulsory motor liability, you can not drive. Each insurer establishes its own insurance terms for CASCO (what documents are required to apply for CASCO can be viewed). The terms of payment, tariffs and conditions for concluding a compulsory motor liability insurance contract are established by the Government of the Russian Federation. Each car owner can calculate the amount of payment for CTP in advance.
How to issue a hull without traffic police?
According to the Rules on voluntary car insurance, in order to receive a payment, the owner must provide the insurance company with a certificate issued by the traffic police about the accident. However, there may be nuances indicated in the CASCO agreement. Sometimes it is possible to register an accident according to the European protocol.
The contract may indicate that it is not necessary to contact the car owner in the traffic police if the amount of damage does not exceed a certain amount. In the case of CASCO, it is advisable not to risk the payment, study the contract or contact the insurance company for advice.
How to save on hull?
You can save on CASCO in different ways, consider the most basic ones:Installment payment is a real option to save money. As you know, money has a temporary value due to constant inflation.
Risk insurance “Damage” separately, without “Theft” will reduce the tariff to 25%. Some car brands are not in high demand among car thieves. If your car brand is not in the annual list of the most stolen models according to traffic police reports (MVD), you can not pay the insurer too much.
The franchise is suitable for new cars and for cars with experience. This is an opportunity to save on the policy due to different types of protection. When paying a small amount of insurance, in the event of an accident, damage is compensated, starting with a certain amount.
The CASCO rate of 50 to 50 is paid only 50% of the policy. In case of a complex accident, it is necessary to pay the remaining 50%. But in the absence of an accident, you can save up to 50% of the cost on the tariff.
Can I get a refund for CASCO?
The policyholder has the right to terminate the CASCO contract at any time. In some cases, there is a real opportunity to return money for an unused period paid for CASCO insurance.CASCO insurance - examples of insured events
According to the law, money can be received upon termination of the voluntary CASCO agreement in certain cases:
Car sale;
The loss of a machine that cannot be restored;
Death of vehicle owner or policyholder.
These are the general rules of the complex process of registration, receiving insurance payments. Each insurance company has the right to establish additions to the general rules, which are an annex to the insurance contract ..
Subscribe to our channel in Yandex.Zen
CASCO clearance is a strictly voluntary service; insurance companies do not have the right to impose it. But at the same time, this one has many different advantages over ordinary CTP.
Dear readers! The article talks about typical ways to solve legal issues, but each case is individual. If you want to know how solve your problem - contact the consultant:
APPLICATIONS AND CALLS ARE ACCEPTED 24 HOURS AND WITHOUT DAYS OFF.
It is fast and IS FREE!
That is why every year an increasing number of citizens want to apply for hull insurance.
What do you need from the documents
These allow you to protect yourself a driver financially, even from accidents that arise through their own fault. Relatively recently, almost all insurance companies allow you to issue through the Internet.
Accordingly, there is no need to visit the company’s office for this. It will also be possible to pay insurance premium remotely. Its value is determined in each case individually.
The only drawback of this type of service is the lack of legislative norms that would regulate all issues regarding CASCO insurance.
The cost of insurance can also vary quite significantly depending on the particular insurance company.
In the standard case, the following papers will be required to apply for a CASCO policy:
- - compiled in free form or in the form established by a particular insurance company;
- passport of a citizen of the Russian Federation or another document that allows you to establish the identity of a particular citizen;
- certificate of registration of a legal entity - in the event that a CASCO policy is issued directly to a car owned by the organization;
- vehicle registration documents:
- car passport - Title;
- vehicle registration certificate;
- contract of sale;
- reference account;
- all kinds of customs document and more.
In fact, the list of necessary documents is established in each case by the insurance company. Moreover, the above list is standard, but may vary.
All insurance companies have the right to establish their own requirements for the list of binding documents. This point should be clarified in advance - in order to provide all the necessary documents when applying for a policy.
In some cases, documents may be required that confirm the right to dispose of the vehicle.
The list of such documents today includes the following:
- rental agreement - implying the right to carry out insurance actions with a specific car;
- two sets of keys, trinkets;
- the driver’s license of the owner (original), as well as copies of the rights of drivers who, in addition to the owner, will be allowed to drive the vehicle;
- if CASCO insurance policy was previously available - it will also need to be provided (many insurance companies offer their regular customers quite substantial discounts on services);
- if anti-theft systems are installed, they will also need to submit relevant documents.
In each case, the list of documents may be individual. The type of car, customer status, as well as many other factors, have a significant impact.
In almost all cases without exception, you will also need to provide a vehicle for inspection. Since the employees of the insurance company will need to establish the presence / absence of certain damage.
CASCO Terms and Conditions
Again, the rules and conditions for issuing CASCO are not regulated by any special regulatory document.
At the same time, all insurance companies have their own regulatory, internal documents that determine the conditions for issuing a CASCO policy.
CASCO rules must be made publicly available. For example, publishes them in a special section of its own official website - rgs ru / products / private_person / auto / kasko / pravila / index.wbp.
If possible, before concluding an insurance contract, you need to carefully understand all the nuances of concluding contracts.
The CASCO rules themselves reflect a standard list of terminology that defines the issue of interaction between the client and the insurance company.
At the moment, the basic definitions will usually include:
- insurer / policyholder - client and insurance company;
- beneficiary - a person receiving a CASCO payment in the event of an insured event;
- person driving the vehicle - it is understood approved for the use of a particular car;
- person's age - the number of full years a specific citizen driving a car;
- experience - the number of full years during which the driver has the right to drive a car of the corresponding category;
- additional equipment - devices that are installed in the vehicle, but not included in the basic set;
- insurance contract - a written agreement regarding the provision of CASCO insurance services;
- insurance period - the length of time during which the purchased CASCO policy is valid.
In addition to the above terms, there are a number of others that apply when concluding an agreement. There are a number of nuances when drawing up an insurance contract.
It is imperative to familiarize yourself with all the sections in advance. Typically, difficulties in receiving payments, as well as various other contentious situations arise precisely because of the insurer's failure to understand the terms of the agreement.
It is important to comply with the rules for completing a CASCO insurance claim. , there is no standard list of actions to date.
Moreover, the nuances and features in each insurance company are specific, slightly different from other institutions. That is why it will be necessary to deal with all of them first.
Order
The process of applying for a CASCO policy may also vary between companies. But in this case, in most cases, there are simply no significant differences for a number of reasons.
At the moment, the standard procedure algorithm includes:
- all documents required in a particular case are prepared - first of all, this is the passport of the owner of the car and the TCP, as well as a driver’s license for all vehicles allowed to drive;
- then you should contact the previously selected insurance company to implement the contract conclusion procedure - in this case, you will need to provide a vehicle for inspection:
- inspection of the car body;
- vIN is verified on a car with VIN, reflected directly in the documents;
- body number check in progress;
- reconciliation is carried out on documents and in reality the state registration number;
- the fact of having two sets of keys is established.
- then a personal offer is formed for the specific client who has applied - before signing the agreement, it is important to carefully read it;
- if all the insurance conditions of a particular client are satisfied and the contract is signed accordingly, then it will be necessary to pay the insurance premium;
- the last step is to issue the following documents to the client:
- cASCO policy;
- receipts on payment of state duty;
- insurance rules.
The action of the CASCO insurance policy begins immediately from the moment that the decree in it itself.
Particular attention should be paid to the process of reading the insurance rules and the algorithm for receiving payment of the policy. The most common reasons for refusing to pay are non-compliance with the circulation algorithm.
Unlike OSAGO, the clear rules established by law are not defined. Often this state of affairs is used by insurance companies to please themselves.
How to get online
Almost all, without exception, insurance companies today offer to issue not only, but also CASCO online, via the Internet. The most convenient service in this regard offers exactly.
To apply for a CASCO policy via the Internet, you will need to follow the following algorithm:
- follow the link https: //www.alfastrah ru / individuals / auto / kasko / calc /;
- choose a car make;
- indicate the year and indicate various options - if any;
- further detailed information is indicated on all drivers who will subsequently be allowed to drive the vehicle;
- after establishing the number of persons allowed to the board of the vehicle, it will be necessary to determine the full list of options that will be included in the CASCO policy insurance program for a particular car;
At the same time, it is possible to issue a policy completely through the Internet, as happens with compulsory motor third-party liability insurance; there is no possibility in all insurance companies without exception. The reason for this is the need to provide a car for a preliminary mandatory inspection.
Do you need insurance for registration
Today, without fail, all vehicle owners need an insurance policy. The conclusion of a contract of this type is strictly necessary. No exceptions are allowed.
When driving a car in the absence of a CTP insurance policy, a fairly substantial fine is imposed.
There is a special one. It is he who establishes the algorithm for issuing the policy, calculating its cost.
At the same time, the CASCO policy is a voluntary insurance service. There are no legal requirements in this regard. Moreover, the acquisition of it is not necessary.
In any way, the presence / absence of compulsory motor liability insurance does not affect the possibility of purchasing a hull.
At the same time, it is worth remembering that when purchasing both types of policies at the same time, a rather large discount is required at many insurance companies. Special promotions are held.
That is why, before making a CASCO purchase, it will be necessary to carefully study all proposals without exception.
In some cases, with the simultaneous purchase immediately and OSAGO manages to save up to 30% of the original price.
Often the cost of hull insurance is several tens of thousands of rubles. Therefore, the use of various specialized stocks will not be superfluous.
Where better to do
CASCO can be issued in a large number of different insurance companies. In fact, almost all insurance companies operating with compulsory motor liability insurance provide their services in the form of CASCO policies.
Often, one of the most difficult issues that must be addressed when implementing the insurance procedure is the choice of the company.
In the Russian Federation
There are many insurance companies in the Russian Federation. The most advantageous offers are made by the following:
In Moscow
Almost all insurance companies operate on the territory of Moscow, which offer CASCO services in Russia. Reliability and customer loyalty rating is established on the basis of Expert RA data.
The most profitable offers are made by the following companies:
In St. Petersburg
On the territory of St. Petersburg there are many different insurance companies. In fact, the offices of almost all, without exception, are represented - as in Moscow, the region.
For 2019, the most advantageous offers are made by the following:
Retransmission
Retroactive hull insurance is an illegal process. But such a procedure is still possible.
At the moment, the process looks as follows:
- a call is made to an insurance agent who is able to draw up such a policy;
- vIN of the car is recorded, as well as car mileage;
- photomontage of the corresponding numbers for the whole car is carried out, the accident has not been;
- with the help of “their people” a fake policy is registered;
- staged accident;
- an appeal is made to the insurance company according to the standard scheme.
It is important to remember that this is classified as fraud. And it is a criminal offense.
To another person
Often there are situations when a specific citizen simply can not draw up a hull independently if there is such a need.
In this case, the optimal solution would be to make a notarized power of attorney.
On the basis of such a document, all necessary papers are submitted to the insurance company on behalf of the car owner. The design algorithm itself is implemented in a standard way.
Usually any difficulties simply do not arise. But again, you should familiarize yourself with all the nuances in advance. Since there is no legally established standard algorithm for this.
Before contacting the insurance company accordingly, you need to carefully study all the nuances, get advice.
Reasons for refusal
Since CASCO registration is a completely voluntary procedure, any insurance company has the right to refuse to provide services without explanation. But at the same time there are a number of reasons that are the cause of failure in 90% of cases.