Casco insurance aggregator. Casco policy against theft

For every car owner who decides to purchase a policy, the CASCO insurance calculator online 2020 will serve as an extremely useful tool. However, in order to talk about exactly how the calculator is useful, let's talk about what CASCO is.

Where did CASCO come from? Calculate CASCO

In our country, it was in the last five years that the real peak of the popularity of hull insurance has come. This popularity is due to the fact that commercial banks began to issue affordable loans for the purchase of a car. However, in order to obtain a profitable car loan, the borrower must provide a CASCO policy.

Some prankster drivers decipher the term CASCO as an abbreviation for the phrase "Comprehensive Auto Insurance Other than Liability." In reality, of course, this is not at all the case. The very concept of hull insurance arose not in our country, but in Europe. Today it is a generally accepted international term. It is customary for them to designate insurance not only for automobiles, but also for water and even air vehicles. The very history of the origin of the word CASCO is quite interesting.

According to one version, the term is borrowed from the German language, where the word "kasko" literally means a vehicle. Another version refers us to the Italian language, where the word "casco" refers to a shield or helmet. There is another version that has the right to life: the Spanish word "casco", which means a skull in translation.

This is about the origin of the word. But as an insurance term, the concept of CASCO arose much earlier than is commonly thought. In the 15th century in Spain, the owners of fishing boats, who suffered greatly from pirates, were simply forced to unite and create the first mutual funds. It was from such cash desks that vehicle insurance appeared over time.

It is generally accepted that CASCO is insurance of vehicles against theft and damage, but the insurance policy offers much more: insurance for additional equipment, as well as the life and health of the driver and passengers. A number of insurance companies also include the DoSAGO (Voluntary Third Party Liability Insurance) agreement in the CASCO calculator. There are dozens of such companies today, and each is ready to offer its own conditions, various programs, and tariffs. To understand how contracts can differ from each other, how to choose the best one and not lose the quality of services, you need to familiarize yourself in detail with what a car hull is.

What determines the price of CASCO? Calculate the cost of CASCO online

If you want to know the price, the hull calculator 2020 will help you calculate the cost of the policy online, in which you need to enter data about a specific vehicle, as well as select insurance policy options. The price depends on the age of the car, make and model, but the choice of options also affects the final cost of the policy.

Insurance option: You can choose full or partial insurance. A partial policy will allow you to receive compensation only for damage caused to the car, while a full one compensates for its cost in the event of theft. The difference between these two types of policies in price in one insurance company can reach 40%.

Franchise: The presence of a franchise allows you to reduce the cost of the policy.

Sum insured: Can be reducible (aggregate) or non-reducible (non-aggregate). Aggregate insurance is cheaper for the client, since after each payment under the contract, the amount insured becomes smaller. The sum insured is the amount from which compensation for damage is paid in insured events.

How to get insurance: The client can choose a service station recommended by the insurance company, or choose a service station himself, or receive the amount in cash. If you agree with the choice of a service station of an insurance company, such a policy will be the cheapest. The two remaining options will increase the price of the policy.

Payment is made: With or without wear. Choosing the “excluding” option will allow you to receive compensation upon the occurrence of an insured event, which will allow you to replace the damaged part or the entire car, but such a choice immediately increases the cost of insurance up to 20%.

Age and experience of drivers included in the contract: The cost of the policy increases in proportion to the decrease in the age and driving experience of the drivers included in the contract. Sometimes the cost of a "multidrive" policy (there is no limit on the number of drivers allowed to drive a given vehicle) is cheaper than a policy that includes several young drivers.

Other important factors that seriously affect the final cost of a CASCO policy are:

Installment payment under the contract. Always increases the cost of the policy. The cheapest way is to pay for the policy right away. But you can also choose an installment payment, if the insurance company does not impose on the client an obligation to pay premiums with a multiplying coefficient for this.

insurance history. A number of insurance companies for accident-free driving introduce a reduction factor.

Anti-theft alarm. The higher the class of the anti-theft system, the cheaper the cost of the CASCO policy.

Calculate the cost of CASCO - online calculator 2020

At the choice of the client, most insurance companies offer CASCO from theft, from damage, from damage and theft. Units offer theft-only insurance (SK RESO). It makes sense to choose insurance only against damage only when the car does not belong to the category of frequently stolen, and in the absence of the driver it is in a guarded parking lot or in a personal garage. In all other cases, theft insurance is a justified measure.

What is a franchise?

In fact, a deductible is a part of the insurance indemnity that is not paid under the contract. It can be conditional and unconditional, and in the contract it can be prescribed as a percentage of the sum insured or as a specific amount.

The conditional deductible determines the minimum amount of damage. If the resulting damage is less than this amount, compensation under the contract is not provided. An unconditional deductible is the amount by which the payment will decrease upon the occurrence of an insured event.

A driver who wants to receive compensation for damages even from the most insignificant accident is suitable for a contract without a franchise. It is more profitable for experienced drivers who do not get into minor accidents to calculate CASCO online with a franchise in order to see the savings, since the difference can be very significant.

What else should you pay attention to?

Having decided on the choice for each of the options of the CASCO calculator, you should familiarize yourself with the prices for policies offered by various insurance companies. We remind you that the calculator only serves to calculate CASCO, but does not protect you from "surprises" in the contract, so you must carefully read all the conditions before buying a policy. Most often, a “surprise” can expect a client in the following clauses of the contract:

1. Conditions for storing a car at night. This item is not spelled out in every contract, but it may require the policyholder, upon the occurrence of an insured event, to provide supporting documents that the car was in a guarded parking lot at night.
2. The contract must necessarily formulate the concepts of "hijacking", "damage", "theft", "car death". If this is not the case, the company will be able, upon the occurrence of an insured event, to use this gap to underestimate the amount of insurance compensation.
3. Section of the contract, which indicates all cases in which insurance compensation is not provided. This list should be read very carefully. Sometimes it includes such types of damage that, in the opinion of the driver, require mandatory compensation.
4. Duties of the parties. Another point that needs the most careful study, since it is in it that the conditions for notifying the insurance company about an insured event that have occurred are prescribed. Non-compliance with these conditions, enshrined in the contract, will be a valid reason for denial of insurance compensation.

Now you know everything about how the policy is calculated, the Casco online calculator for all insurance companies will help you. Which insurance company to choose, and which one - it's up to you, and our task is to help you make a profitable purchase! Use our CASCO insurance calculator online 2019 and make your choice!

Today, more than 200 insurance companies are represented on the Russian market, and almost each of them offers its customers several CASCO programs, the cost of insurance for which even for the same car differs significantly. Many drivers who plan to insure a car under the CASCO program are wondering whether it is possible to independently calculate the estimated price of the policy in order to estimate how much the cost of CASCO insurance will cost them.

Theoretically, it is impossible to calculate the cost of CASCO on your own only for the reason that each insurance company determines the individual price of the policy, which, in turn, is set in the contract. However, there are a number of general criteria that directly affect the cost of insurance and allow you to calculate its approximate range. In this article, we will describe the main factors affecting the calculation of the insurance premium for CASCO.

Factors affecting the cost of CASCO

Factors affecting the cost of a CASCO policy can be divided into two conditional groups:

1. Basic - are universal for all insurance companies.
2. Additional - may vary depending on the specifics of the insurance product offered by the insurance company and the risks covered by the program.

Let's consider each criteria in more detail.

The main criteria affecting the cost

car insurance value

This criterion does not imply the price specified in the car purchase and sale agreement, but the market value of the car determined by the insurance company on the date of conclusion of the CASCO agreement. The calculation of the insurance value of the car includes such factors as: make, model, year of manufacture, technical characteristics, mileage and the current market value of the car.

Car theft

The car theft rate is strongly correlated with the market value of the car - the more expensive and prestigious the car, the more likely it is to be stolen. That is why insurance companies lay down additional coefficients depending on the coefficient of theft (theft) of the vehicle. So, for example, for a car model with a high theft rate, the cost of CASCO can increase from 15 to 20%.

The number of persons allowed to drive a car, their age and experience

According to the statistics of the Ministry of Internal Affairs on road accidents, the main share of accidents occurs with drivers under the age of 21 and over 65 years. Accordingly, if a person allowed to drive a car falls under one of these age categories, the cost of CASCO increases by about 20-30%. However, such a high premium can be avoided by including a second driver from the age category without increased risk in the insurance policy. With experience, the situation is similar: the more experience the driver has, the lower the markup.

Geographic location of the vehicle

When calculating the cost of CASCO, insurance companies take into account special territorial accident rates calculated on the basis of accident statistics in a particular city. For example, in Moscow, the accident rate is 2.0, but in the Moscow region - 1.7. Thus, the cost of CASCO for residents of the Moscow region will be slightly cheaper than for residents of the capital. As in the previous paragraph, the territorial accident rate can be reduced by including a second driver with a suitable registration in the insurance policy, or by taking out a policy in a region with a lower accident rate.

Additional criteria affecting the cost

Additional criteria that affect the price of a CASCO policy include:

Method of reimbursement of insurance payments

In the event of an accident, the insurance company is obliged to compensate to some extent the cost of car repairs, which, as a rule, is carried out at the official service center of the vehicle manufacturer. However, such a scheme is very unprofitable for both the car owner and the insurance company, due to the high rates of official representatives.

To save on repairs, many insurance companies allow the possibility of restoring a car in unofficial services. By agreeing to a policy with such a condition, you can save from 20 to 40% of the base rate. Nevertheless, repairs in informal service stations have one significant drawback - the lack of confidence in the proper quality of service.

Note! CASCO insurance with the condition of repair in unofficial service stations is categorically not suitable for cars taken on credit or under 3 years old, as this may cause the loss of their guarantees!

Franchise availability

Franchise - the share of insurance payments from which the owner of the car refuses voluntarily upon the occurrence of an insured event. The larger the amount (it can be expressed both as a specific number and as a percentage) of the deductible, the lower the cost of CASCO.

There are two types of CASCO franchise:

• conditional deductible - provides for insurance compensation if the amount of losses after an accident exceeds the deductible;
• unconditional deductible - provides for the deduction of a certain amount from insurance compensation, regardless of losses after an accident.

Note! The deductible is only worthwhile if minor damages occur frequently, as they will not affect the history of insurance payments, and in the future, when a new policy is concluded, they will not cause an increase in its cost.

History of insurance payments

An important role is played by the history of previous insurance payments, and not only CASCO, but also OSAGO are taken into account. If in the past the driver often got into an accident, the cost of CASCO may be overstated, and accident-free driving, on the contrary, will cause a significant discount from the insurance company.

The presence of alarms and other anti-theft systems in the car

Anti-theft systems significantly reduce the risk of car theft and, accordingly, have a positive effect on the cost of CASCO. True, not all insurance companies include this clause in the contract.

Safe car maintenance significantly reduces the risk of theft, which, in turn, affects the cost of the policy. Therefore, it is not recommended to leave the car in the yard, but to park it in paid parking lots or in the garage.

Basic calculation formula

Each insurance company determines an individual CASCO calculation formula, therefore, as mentioned earlier, the final cost is different for everyone. The most common, and at the same time simple, is the following formula:

CASCO cost \u003d (base rate × depreciation coefficient and year of manufacture of the car × coefficient of age and driver experience × deductible coefficient × installment factor) + (tariff taking into account theft × depreciation coefficient and year of manufacture of the car × coefficient of safety systems × installment factor).

An example of calculating the cost of CASCO

The table below shows an example of calculating CASCO in one of the major insurance companies in Moscow:

Situation	A 20-year-old car owner with 2 years of driving experience decided to purchase a policy with a base rate of 2,000 rubles. His car is registered in the Moscow region and is equipped with a 100 horsepower engine. Only one driver, the owner, will act as a trustee.
Formula	Base rate × coefficients of age and experience × regional coefficient × number of persons authorized to drive a car × engine power factor × KBM (bonus-malus) = annual CASCO cost
Outcome	1,980 × 1.7 × 1.7 × 1 × 1.2 × 1 = 6,936 (annual policy value)

However, modern conditions make it possible to calculate the cost of CASCO on an automatic level, using special calculator services. Such services, as a rule, are available on almost all websites of insurance companies, they have an intuitive interface and, in some cases, are extended with additional functionality.

The online Casco calculator will calculate the most advantageous offers in Moscow, St. Petersburg, Yekaterinburg, Krasnodar, Novosibirsk, Samara and other cities of Russia, having processed the tariffs of 20 insurance companies. Just enter the data, and the program will perform all the complex calculations. You can choose and order a Casco policy online at no extra charge. When ordering through Sravni.ru you get a discount of up to 20%! The data goes directly to the insurance company. Sravni.ru does not send spam. If you are an experienced driver and want to save on the policy, then indicate the deductible that will help reduce the cost of the policy by several tens of thousands of rubles.

How to save on Casco?

The cost of hull insurance varies significantly in different companies. For example, a policy for the same car can cost 30,000 rubles in one company and 90,000 rubles in another. To find a profitable offer, you need to find out the cost of the policy from several insurers. Before, it took several days. Now you can find a cheap offer in just a few seconds. This can be done using the CASCO calculator Sravni.ru. Additionally, you can save on the policy if: - choose a large deductible; - enjoy discounts when moving from one insurance company to another; - buy partial hull insurance (for example, insure the car only against theft or only against damage).

CASCO calculator for 2020

After sending the order, a representative of the insurance company will contact you during business hours - from 9 to 18 hours. If you send an application after 18:00, the order will be processed on the next business day. Casco policy is issued by an insurance company. In some cases, you can use the "express order" service. You just need to provide your name and contact phone number. An insurance company specialist will contact you within 1-2 minutes after sending the application. Some insurers are ready to bring the policy to a convenient place the next day after the order. Sravni.ru services are free for all users.

Documents for registration of Casco

To apply for a hull insurance policy, you will need to provide the insurer with a package of documents, the exact list of which should be clarified in advance. As a rule, it includes: - application; - passport or other identity document; - registration documents for the car (certificate of registration or contract of sale). To purchase a policy, you need to sign an insurance contract. Sravni.ru recommends that you carefully study its terms and conditions. Pay special attention to the list of insured events for which payment is due.

Since the 1990s, insurers have traditionally avoided insuring cars only against theft. This is due to the fraud that was widespread at that time, when the insured, having issued a policy, got rid of the car himself, after which he applied for payment. Those days are gone, but insurance companies have long treated this type of insurance with caution.

However, demand creates supply. Experienced drivers who are confident that they drive well and the risks of “damage” in their case are insignificant prefer to insure a vehicle only against theft. But no alarm, security system or capital garage will protect you from theft by 100%. If at the same time the insured cannot afford full CASCO even with a large deductible, he turns to insurance companies that insure only against theft.

How much does a casco from "hijacking" cost?

To date, tariffs from "hijacking" average 3-5% of the cost of the car. But this figure is very relative. First, it depends on whether the car is at risk. Reputable insurance companies have theft statistics, each has its own. Unified statistics, unfortunately, do not exist today. If the car is in the risk group, the cost of the hull insurance for it can greatly increase, up to 15-20%.

Some insurers even refuse to conclude insurance contracts for frequently stolen models only at the risk of “theft”.

The insurance company can offer a discount if the policyholder equips the car with additional anti-theft and search systems: an additional lock built into the hood, a gear lever lock, a hydraulic brake lock, an electronic anti-theft system, a satellite search system. If the car is in a risk group (or just an expensive car model is insured), additional equipment may become a prerequisite for selling an insurance policy.

This can be beneficial: for several years, the cost of anti-theft equipment is covered by the discount provided by the insurer, and the equipment itself remains the property of the insured. But there are a few points that the car owner should pay attention to when choosing insurance only against theft:

1. First, if the car is new and under warranty, then the claims of the insurance company may go against the terms of the warranty. Therefore, when buying a car and planning to insure it only against theft, you should immediately ask the dealer how he will react to the installation of additional equipment if the insurer requires it.
2. Secondly, not all cars can be equipped with one or another anti-theft agent without damage to the car itself, for example, its interior.
3. Thirdly, when installing some anti-theft systems, it is required to pay not only the cost of equipment and installation, but also pay a monthly fee every month.

Therefore, having learned all the requirements of the insurer for equipment, it is worth calculating several CASCO options. In some cases, it makes sense to insure the car against theft and damage, but with a large deductible. Or choose the “Mini Casco” option: these programs insure against theft and damage, but with minimal insurance coverage. However, modern "regular" anti-theft systems of many models are quite effective so that the insurance company does not require the installation of additional equipment. When choosing an insurer, it is worth comparing the requirements of several. Since everyone's theft statistics are different, some insurers may have more loyal requirements for the equipment of a particular car than others.

Exclusions from insurance coverage for insurance against the risk of "hijacking"

• According to CASCO insurance rules, any insurance company will refuse to pay out if ignition keys were left in a stolen car. By acting in this way, the insured himself increases the likelihood of an insured event.
• Documents for the car left in the cabin are also a good reason for refusing to pay. A car with documents is easier for a car thief to sell. This reduces the likelihood that the car will be subsequently found, and the insurer will be able to pay damages.
• Another non-insurable event is the non-return of a car leased, rented or leased.

If an insured event occurs

It is important for the insured to understand that in the event of an insured event due to the risk of “hijacking”, the damage will be compensated taking into account the depreciation of the car. Insurance companies calculate depreciation based on the age of the car. When concluding an insurance contract, it is important to pay attention to the depreciation rates specified in it. Also, many questions arise about the difference in the legal terms "theft" and "theft". Let's explain:

• Stealing is taking possession of a vehicle not for the purpose of obtaining material gain, but, for example, in order to use it as a means of transportation. That is, a stolen car, most likely, will be found left somewhere in a few days.
• Theft is taking possession of a car for the purpose of obtaining material gain. That is, the persons who committed the theft will do everything so that the car is never found.

It is for this reason that after the insured files an application for theft, a criminal case is not initiated immediately. Investigators need several days to understand whether theft or theft has occurred. As a rule, a little more than a week is allotted for operational-search activities. If during this time the car cannot be found, it is recognized as stolen, and a criminal case is opened on the fact of theft.

It is important for the policyholder to understand whether he concludes an insurance contract against theft or against theft.

In the first case, the policyholder will receive an insurance payment regardless of whether the car is recognized as stolen and a criminal case is opened. In the second, to start the payment procedure, it will be necessary to wait for the car to be recognized as stolen and provide the insurance company with a copy of the decision to open a criminal case.

As you can see, car insurance only against the risk of “hijacking” has already taken its niche in the Russian insurance market. More and more insurers provide this service. It is important for the insured to understand the proposals of insurance organizations and calculate the best option that best protects his interests.

On our site, visitors are given the opportunity select, calculate and purchase an online CASCO auto insurance policy. Thanks to this service, you no longer need to independently visit the offices of insurance companies and study a lot of documentation in search of the best solution. Moreover, insurance is one of the most important areas of life, providing confidence in the future and protecting your property from unforeseen situations. This is especially true for auto insurance, since it is the car that is exposed to potential danger on the roads every day, and thanks to the CASCO policy, you can save yourself from material costs in the event of an accident, theft or other insured events.

What is CASCO and why is it needed?

CASCO is a voluntary insurance of cars and other vehicles against damage, theft or theft. This policy is useful for drivers who want to protect themselves from any problems, it provides for the repair of the car at the expense of the insurance company in any case (after a traffic accident or damage to the car without an accident), as well as compensation for the cost of the car if it is completely destroyed or in the event of theft.

When can CASCO become mandatory?

Making a CASCO policy may be a mandatory requirement when applying for a car loan, so we recommend that you select, compare and calculate the best insurance option in advance for the price and conditions of car insurance.

How to choose an insurance company?

Each insurance company independently determines the CASCO price and calculates its tariff scale for the policy. In addition, if the owner of the car does not fulfill the requirements that are mandatory for a particular company (insufficient amount of security equipment on the car, etc.), then the conclusion of the contract may be refused. Therefore, to calculate the cost of CASCO and conclude an insurance contract, a large number of factors and nuances are taken into account.

The process of insurance payments under CASCO also has its own characteristics. First of all, this is a method of compensation, which is indicated in the contract and can be carried out as a statement of the affected car for repair in a service station, or it can consist in transferring funds to the client's account. For the implementation of insurance compensation for CASCO, in most cases, a court decision is not needed (unlike OSAGO). To receive compensation under CASCO, you must contact the office of the insurance company and prepare the necessary documents.

How to calculate the cost of car insurance online?

When choosing a CASCO policy in various insurance companies the main difficulty lies in the large amount of data which must be taken into account in the calculation. Such data includes:

• driving experience of the owner of the car;
• the number of drivers who drive this car;
• driver's age;
• cost and brand of the car;
• and much more.

Therefore, to save your time, on the site you can make a quick calculation of the cost and choose a CASCO policy only by filling in the fields of the calculator with basic information.

How to use the auto insurance calculator?

In addition, our website provides options for basic calculations for the most popular makes and models of cars. The calculations were made on the basis of average indicators and allow you to instantly estimate the price of the policy, as well as calculate a more accurate cost by changing some data in accordance with personal information.

Only reliable insurance companies!

You no longer need to ask questions about calculating the most profitable CASCO insurance or how to calculate the cost of insurance for a new or used car - our online calculator knows everything about the offers of leading insurance companies. If you use our service, you will receive an additional discount on CASCO insurance and other benefits.

We offer this cost-effective solution for quickly and efficiently determining the cost of insurance, choosing a reliable insurance company and the possibility of buying a policy at low rates. Better service for less money. The offers for which the calculation is being carried out are presented on the page with all CASCO packages, but it is better to trust the specialists.

In which cities can you get a policy?

You can use our "CASCO" calculator to calculate and find out how much the cheapest insurance policy costs in Moscow, St. Petersburg, Samara, Yaroslavl, Yekaterinburg, Chelyabinsk, Perm, Nizhny Novgorod, Krasnodar, Tver, Saratov and other cities of Russia, after why to issue a policy at the indicated prices at the nearest office of a suitable insurance company.