Many modern people think about normal life insurance for themselves and their loved ones. This applies equally to pensions, property insurance, and liability insurance. One of the most famous and oldest insurance companies is Rosgosstrakh.
In this article, we will consider the basic rules of insurance in Rosgosstrakh, as well as the nuances of obtaining CASCO, CTP and other products.
First of all, it is worth noting that insurance varies in timing. It is short-term and long-term. In fact, there is no clear difference, however, Rosgosstrakh uses this distinction. The first type includes insurance contracts that are concluded for a year, three or five years. To long-term include termless contracts or those that are concluded for several decades.
CASCO insurance rules (Rosgosstrakh) we will consider later, but for now let's talk about CTP.
CTP insurance
This is a mandatory type of insurance for each car owner.
The rules of such insurance in Rosgosstrakh and the further procedure for payment of the sum insured fully comply with those requirements established by the law of the Russian Federation. OSAGO policies are divided into two main large categories, the main difference of which is the number of drivers for whom vehicle management is permitted.
- The policy can be issued for an unlimited number of persons who are allowed to manage the vehicle. That is, to drive a car you need only a driver’s license.
- The policy can be issued for a limited number of drivers. Drivers who are allowed to drive the vehicle by the owner themselves must be included in the insurance contract. Rosgosstrakh sets the rules for everyone the same.
At the time of the conclusion of the insurance contract, it is mandatory to determine the period during which the policy will be valid. The minimum period is three months. The most beneficial is a policy received for a period of one year. Insurance should be renewed in a timely manner, since overdue insurance is the absence of insurance per se. And this can lead to penalties.
OSAGO insurance rules in Rosgosstrakh for legal entities, as well as for individuals, are in full compliance with the law.
Documents required for registration of OSAGO insurance
The main and mandatory requirement when concluding an MTPL agreement is the availability of certain documents. For registration you will need:
- Passport of a citizen of the Russian Federation.
- Vehicle passport, or certificate of state registration of the vehicle.
- Driver's license.
- Diagnostic card that confirms the fact of passing MOT.
Specialized and accredited organizations carry out maintenance only if the following documents are available:
- Passport of a citizen of the Russian Federation.
- The power of attorney, if it is not the owner of the vehicle, but his authorized representative.
- Title or certificate of state registration of the vehicle.
This is provided for by the Rosgosstrakh insurance rules.
Features of compensation in the event of an accident
The company pays compensation in accordance with established legislative norms. With this in mind, the following conditions are relevant:
- In a traffic accident, another vehicle was affected.
- In an accident, baggage or cargo was damaged.
- The damage was caused by road objects: traffic lights, communications, signs, fences.
- The health of the driver and passenger was injured.
These situations relate to insured events.
Payments after traffic accidents can be direct and indirect. Direct payments imply monetary compensation from the insurance company in which the culprit of the accident is insured. In this case, it is necessary to fulfill some conditions: in an accident there should not be more than two participants, both participants in an accident must be insured.
Features of payment of compensation under the insurance policy
Rosgosstrakh calculates the due compensation strictly on an individual basis and takes into account the following factors:
- The country in which the car was released and sold.
- The region in which the car was registered and insured.
- The technical condition of the car, its degree of wear.
- Characteristic features of using the vehicle, including duration and intensity.
Most often, Rosgosstrakh calculates compensation for individual parts that have been damaged and which are subject to repair and replacement.
In accordance with the law, compensation must be paid within 30 days.
Now consider the rules of CASCO insurance in Rosgosstrakh
Features
CASCO is a voluntary type of car owner’s liability insurance and allows you to insure the vehicle against accidents caused by the owner of the vehicle against theft, natural disasters, and deliberate damage to the vehicle by third parties.
When applying for a CASCO policy at Rosgosstrakh, the policyholder receives a number of benefits:
- The degree of depreciation of the vehicle is not taken into account when calculating the amount of payment.
- The possibility of obtaining accreditation in large state-owned banks.
- 24-hour help desk.
- Lack of requirements for nightly vehicle maintenance.
- The ability to pay the insurance policy in several installments.
This is confirmed by the insurance rules in Rosgosstrakh.
Payment Terms
CASCO insurance payments (Rosgosstrakh) are one of the most attractive for vehicle owners. Customers receive:
- Save time if there is damage or spoilage of headlights or glasses of the vehicle, or other external parts. The insurer will not require a certificate from the traffic police.
- The possibility of installment payments.
- The ability to leave a car near the house. Other insurers require the vehicle to be left overnight either in the garage or in a special car park.
- Independent choice of a place where you can repair the vehicle.
- Partial reimbursement of tow truck services.
What options do voluntary insurance rules provide for in Rosgosstrakh?
Insurance options
In order to attract more customers, Rosgosstrakh offers several CASCO insurance options. This allows the client to choose the product that will be most beneficial for him. Among them are the following programs:
- Mini hull.
- Protection.
- Anti-crisis.
Each of these programs has its own characteristics that should be studied before signing a CASCO insurance contract.
Payment Procedure
The company determines the exact amount of insurance compensation only after a careful inspection of the vehicle. If the agreement does not provide for inspection by any specific expert organization, then such organization will be independently selected by Rosgosstrakh.
If the amount of insurance payment does not suit the owner of the vehicle, then he has the right to conduct his own examination, appealing the decision of the insurer through the judicial authorities. Moreover, payments are calculated individually and do not have a specific scheme. This means that different vehicle owners who fall into similar accidents can receive completely different insurance payments.
The policyholder should pay particular attention to the points where damage is specified.Indeed, sometimes the insurer seeks to minimize the amount of payment and deliberately does not take into account some defects, or may not indicate the whole range of repair work that will be required to eliminate these defects.
This is confirmed by the rules of vehicle insurance in Rosgosstrakh.
Situations where no compensation is provided
Rosgosstrakh does not compensate for some of the actions; these include:
- Intentional damage.
- Damage to the vehicle that occurred at the time of driving the vehicle by a citizen who was not included in the CASCO policy.
- If the driver does not have a driver’s license.
- If the driver at the time of driving the vehicle was intoxicated (alcoholic or narcotic).
- If the vehicle takes part in trials or in competitions.
- If the vehicle suffered as a result of military operations.
Therefore, before concluding a CASCO contract, you should carefully study all of its terms and conditions of insurance (Rosgosstrakh).
Property insurance
The rules of insurance of property of individuals in Rosgosstrakh provide insurance of property of a citizen at his own request against damage or loss. At the same time, a standard list of negative cases can be fixed in the contract, as a result of which damage or complete loss of property may occur, for example, theft, fire, flood, or other risks that, at the discretion of the owner, may affect his property.
Rosgosstrakh calculates the cost of such insurance strictly on an individual basis, taking into account the type of insurance and the characteristics of the object. It must be remembered and understood that not every thing can act as an insurance object. So, things that have special value to the owner, according to insurers, may not be of value. That is why, before choosing an insurance company, you should carefully study the nuances of its work.
After the client has determined the object of insurance and the risks that could entail damage to property, and also chose an insurance company, you can contact its representative. The employee will assess the property, enter it into the policy and fix the risks against which insurance is made.
It is important to remember that compensation will be received only if damage or loss occurs only with the object that is reflected in the contract and only as a result of those unpleasant situations that are recorded in this contract. That is, if you insured your bike from theft, and he was injured in a fire, then you will not be compensated.
The cost of insurance is calculated individually, and when calculating the company pays attention to the estimated value of the object. Then it is multiplied by the established tariff rate. Moreover, the percentage will be higher if the risk of a specified situation is high.
Before inviting an agent to evaluate the insurance object, it will not be superfluous to invite an independent appraiser. He will carry out the work without deliberately lowering the value of the valuable object. This will avoid a conflict situation if the insurer tries to underestimate the value of your valuable thing in order to obtain greater benefits.
Rules for property insurance of enterprises in Rosgosstrakh
The property of the enterprise refers to things and material values owned by the organization. Property insurance used by the enterprise extends to:
- property owned by state agricultural enterprises;
- property owned by a state enterprise, organization, association;
- property owned by a cooperative or public organization;
- property owned by the tenant or agricultural enterprise (excluding collective and state farms);
- government buildings that are leased by organizations or individuals;
- property owned by a religious organization;
- property owned by a foreign individual or legal entity and located on the territory of the Russian Federation;
- property owned by a foreign or Russian individual or legal entity located outside the Russian Federation.
This type of insurance is not subject to cash and securities, buildings, structures and other objects located in the area of natural disasters.
The main rules by which damage is assessed:
- No moral costs are payable.
- Damage that may occur after damage will not be considered.
- The value of the object at the time of damage is taken into account, not its price.
With this type of insurance, full and partial insurance is provided.
The general formula by which damage is determined:
damage cost = value determined by the insurer - the amount reflecting depreciation + expenses spent on saving the insurance object - the value of the balances.
Mortgage
The rules of mortgage insurance Rosgosstrakh suggests the following.
The complex agreement includes ensuring that the borrower fulfills the obligation to repay the loan for the duration of the loan agreement. Certain risks determine the requirements of a credit institution. Common insurance risks include death, loss, damage to real estate (fire, flood, earthquake), as well as the risk of death and loss of health of the borrower.