Autopolis is not a very clear topic even for those drivers who have been driving for several years. In order to have accurate and complete information about all the nuances, you need to re-read piles of regulations, understand the terminology, study the rules of operation of various ICs and read reviews about them. Rosgosstrakh offers car insurance without any of these difficulties. You do not need to understand anything. Just visit the office of the Rosgosstrakh company (Moscow or another city - its location is not so important), and the manager will provide you with all the necessary information.
Do not pay attention to the design of the policy. After all, it is about your financial security.
Why get insurance
Today it is difficult to find a driver who does not give a damn about car registration. The density of automobile traffic on the country's roads is increasing every year. This means that the likelihood of an accident does not decrease either. And if you add to all that has been said, the cost of spare parts for repair and the services of a master in a car service, the design of the policy does not seem so whim.
They also understand this at Rosgosstrakh. Auto insurance in this company is designed to minimize your risks and minimize possible financial losses. In addition, without some types of insurance policy it is simply impossible to travel (illegally). Each time you identify this fact, you will certainly be fined a minimum of five hundred rubles (each time). So, applying to Rosgosstrakh (Moscow, St. Petersburg, etc.) and applying for insurance may not seem like such a costly undertaking.
There are two types of insurance: voluntary and compulsory.
- The first option is called CASCO, and on it you can protect the integrity and safety of your car. This applies to theft, damage, hooligan actions of third parties and many other factors. "Rosgosstrakh" car insurance for CASCO draws up quickly, without too much red tape. And you can claim for payments even if you yourself were the culprit of the accident (or other problematic situation).
- The second policy is called CTP. This is compulsory insurance for all vehicle owners. It will cover the harm you do to third parties at the time of the accident. The insurance policy “Rosgosstrakh” has already issued more than a third of the country's inhabitants, which indicates the exceptional reliability of the company.
What to choose - CTP or CASCO
Those who ask a similar question have not figured out the situation. In relation to compulsory motor liability insurance, it should not arise at all. Compulsory car insurance therefore, it is called obligatory that it is impossible not to formalize it. It's illegal.
The reason is commonplace. Everyone can become a member of the car accident. In this case, it does not matter to the injured party whether you have money to cover the damage or not. A person is not guilty of anything and is obliged to receive compensation. The insurance policy of Rosgosstrakh (or another company) solves this issue. The amount of damage you caused will be paid. The same principle works in the opposite direction. If you are the affected party, then chasing the culprit for compensation is not necessary. The money will be paid by the UK, in which the car of the culprit of the accident is insured.
But with CASCO the situation is slightly different. To issue such a policy or not, each car owner decides independently. This type of insurance covers the repair costs of your car, and only you can decide whether you need it or not.
Advantages of CASCO
If you contacted Rosgosstrakh, car insurance will not take much time. The company provides the following benefits:
- the policy can be paid in installments;
- the insurance document does not contain special requirements for the location of the car at night;
- reference information on any issue can be obtained around the clock;
- when calculating the damage received, the degree of deterioration of the car is not taken into account;
- the company has accreditation in the largest banks of the country (it is important when registering a car on credit);
- a choice of a large number of service stations (accredited).
If you are a client of Rosgosstrakh, payments will be quick and without unnecessary red tape. She is very interested in a constant influx of customers. A variety of promotions and discount offers are regularly arranged for them here. For example, if you have a headlight smashed, then there’s no need to go to the traffic police for help. The company will save your time and pay without having such a document.
Options for voluntary insurance at Rosgosstrakh
There are three most popular car insurance packages:
- "Anti-crisis."
- MiniKASKO.
- "Protection".
The first is possible for vehicles that are not on credit or collateral. Under this program, you can protect your car from theft, total destruction or any damage. In the latter case, a one-time payment of up to 50 thousand rubles a year is possible. The maximum amount of coverage may not exceed 400,000 Russian rubles. Costs “Anti-crisis” CASCO is inexpensive, but mostly suitable for self-confident drivers. The fact is that Rosgosstrakh will make payments only if the insurer was not the culprit.
"MiniKASKO", or "CASCO-Economy" also has significant differences. To make the contract value as low as possible, some insurance companies remove almost all risks from the list, except for accidents caused by a third party. Rosgosstrakh acts differently. Here, the same risks are included in the list of risks as in a regular contract. But at the same time, payment occurs at the level of 50% of the cost. The second part of the policyholder does not pay only if during the entire term of the policy he did not apply for payment of compensation. Such insurance is beneficial only in the event of major troubles, when an amount that is significantly higher than the insurance is needed to restore a car.
The program "Protection" is divided into 3 parts: A, B and C. It all depends on the degree of prescription of the car and on whether it is domestic or foreign. Each of the options has its own nuances and subtleties, but there is plenty to choose from.
CTP Terms
In order to correctly draw up a motor insurance contract for compulsory motor third-party liability insurance at Rosgosstrakh, you must first come to the office. 
Since the policy is mandatory, it is drawn up on strict reporting forms, and to obtain it you need to provide some documents:
- passport;
- a driver’s license for each person authorized to drive a vehicle;
- vehicle passport or certificate of registration;
- auto diagnostic card.
The last item is optional only for new cars (3 years, including the year of manufacture), the rest must undergo maintenance.
The contract does not have to be concluded for a whole year, and the driver may not be alone. It is allowed to draw up such policies:
- with a limited / unlimited list of drivers;
- for any period of 3 months or a year;
- for several days to go to the place of registration of the car.
Online CTP in Rosgosstrakh
If you don’t want to go anywhere, you can take advantage of one of the Rosgosstrakh companies: online CTP insurance. It is very easy to do:
- go to the company website;
- we find a special calculator;
- fill in the required data;
- the program will calculate everything and give the result;
- if everything suits you, register in the "My Account";
- log in, go into it;
- we choose the acquisition of the desired policy;
- click the "Pay" button and make a calculation using a bank card.
In order to correctly fill in all the fields of the policy form, you need to prepare the following documents:
- passport of the insured (the one for whom the policy is issued);
- passport of the owner of the car (if they are different people);
- certificate of registration or vehicle passport;
- the rights of all persons who will be allowed to operate the machine;
- diagnostic auto map (inspection).
Benefits
After completing all the necessary actions, the following set of files will come to the email address specified at the time of registration:
- policy;
- receipt of payment (copy);
- contacts of the nearest Rosgosstrakh representative offices in your region;
- memo;
- link by which you can check the legality of your policy.
Recently, many IC clients have been faced with the fact that when drawing up a mandatory MTPL agreement they are trying to “pair” additional services, such as health and life insurance for the driver or passengers. Therefore, online registration has at least one indisputable advantage: car insurance without life insurance is simple to arrange here. Live communication is excluded here, which means that there is simply no one to force you to place a “load”.
CTP rates
No matter how you want to save, you still have to take out auto insurance. Prices are set by the state. When they are formed, the following parameters are taken into account:
- year of car manufacture;
- his run;
- the presence and duration of accident-free driving;
- the number of persons who are allowed to drive;
- place of permanent registration of the vehicle.
A special coefficient is also taken into account, which is different for each specific region. It is this difference that affects the cost of insurance for the same car in different regions of the Russian Federation. The cost also depends on the origin of the car. For example, the owners of domestic "Lada" in 2016 OSAGO cost from 8.5 to 9.5 thousand rubles, depending on the place of registration. As you know, to insure a foreign car is much more expensive.
Reviews
In principle, the rating of the insurer we are considering (Rosgosstrakh) is very good. Many Russians entrusted this company with their “iron horses”. However, there are also negative reviews. They are associated mainly with the human factor. Not too polite service, carelessness to customers, the imposition of additional service packages - this is not a complete list of complaints.
With such a huge number of offices throughout the country, it is not easy to control each individual employee. But special departments created in this company promptly consider customer complaints and quickly eliminate any misunderstandings.
