Auto insurance gives a guarantee of protection and compensation of the vehicle of the owner in case of damage, theft or destruction. CASCO from SOGAZ does not imply insurance of transported goods and liability to third parties. Today, such a policy is a must for every car owner. Many people want to avoid additional costs in the event of an accident that is inevitable when restoring a damaged vehicle at a specialized service station.
Advantages of CASCO from SOGAZ
SOGAZ is one of the largest insurance companies in Russia. She entered the market 22 years ago and firmly entrenched in it. The company offers more than 100 products for insurance of any sphere of life and is able to meet the needs of customers of different social statuses. The benefits of an insurance policy are:
- In 2013, the company took the leading place in the number of insurance premiums in the country and maintains a high position today.
- A wide regional network of company representative offices. Branches are represented in most cities.
- The largest authorized capital in the insurance market of Russia. This is an indicator of reliability and guarantees payments to customers. We will review reviews about CASCO in SOGAZ below.
- The company's assets amount to 113 billion rubles.
- Every tenth resident of Russia draws insurance in the company, while warranty coverage is provided for more than 14 million people.
- SOGAZ takes a leading position in the field of corporate insurance and offers CASCO insurance to legal entities on favorable terms.
- The company gives the client the opportunity to form an insurance product according to personal preferences. The insured person can independently choose cases, objects and risks. Insurance conditions are also selected individually.
- Flexible system of discount programs.
Car owners are invited to choose from several insurance programs from SOGAZ CASCO-Credit, CASCO-Classic and CTP.
Object and CASCO risk coverage
The insurance object refers to property interests that arise in the process of owning, disposing of and using a car. The CASCO insurance program may also include the health of the car owner and his liability to third parties. The latter is used to avoid additional damages in case of an accident if the amount goes beyond the CTP.
Vehicles are not subject to insurance in the following cases:
- If large-scale mechanical or corrosion damage to the body is witnessed.
- Cars in disrepair.
- Cars that were imported into Russia in violation of customs legislation.
Also, insurance does not apply to baggage, cargo and personal items of both the insured person and passengers.
The risks
Cash compensation is provided for the following risks:
- Damage to the vehicle.
- Car theft or theft.
- Accident.
- The occurrence of civil liability.
CASCO uninsured events
SOGAZ CASCO insurance events do not include:
- Situations that occurred before the conclusion or termination of the insurance contract.
- If the vehicle was operated in violation of fire safety regulations.
- Violation of the regulations for the carriage of passengers or cargo.
- Participation in competitions or in the learning process.
- Transportation of the car by another vehicle.
- Direct fire action.
- Events that occurred during the terrorist attack.
The following vehicle damage is not compensated by insurance:
- Leakage of technical fluids, resulting in engine damage.
- Foreign bodies entering the intake system.
- Abrasive wear of a special coating and interior.
- Not causing further destruction or damage to the car events.
- Inflicted on a vehicle while intoxicated by any degree.
Additionally
What else is spelled out in the CASCO rules from SOGAZ?
The insurance also does not cover the following situations:
- The car owner fled the scene of the accident.
- The vehicle was driven by a person who is not insured or does not have a driver’s license.
- Registration theft.
- Theft or theft of a vehicle under insurance with a storage condition.
- Theft or theft of a vehicle deregistered.
- Negligence of the owner in the theft or theft of the car.
- Damage to health and life of persons outside the cabin.
Insurance Terms
The insurance program from SOGAZ CASCO - Classic provides for the following insurance objects:
- Vehicles.
- Auxiliary equipment.
- Causing damage to the health and life of passengers.
- Responsibility for harm caused to third parties.
Risks included in the insurance include:
- Damage.
- Theft, damage and theft.
- Civil liability and damage.
- Accident and damage.
- Civil liability, damage and accident.
- Theft, damage, theft and accident.
- Theft, theft, damage and civil liability.
- Theft, hijacking, civil liability, damage and accident.
Additional equipment is included in the insurance only in conjunction with the car itself. The risks of theft and theft separately from each other are not subject to warranty protection.
The SOGAZ CASCO-Credit program was issued specifically for cars as collateral with the bank. Insurance involves a double degree of protection against the following factors:
- Theft and theft.
- Damage to the vehicle.
The insurance company is exempted from compensation if damage to the vehicle was caused in the following circumstances:
- Radiation, explosion.
- Military action or civil clashes.
- If the insured person acted intentionally.
- Disposal of public authorities.
CASCO in the SOGAZ insurance company can be additionally purchased to the existing CTP. If you purchase several insurance products, customers are given a discount.
Conclusion of an agreement
The amount of insurance of the vehicle and additional equipment may be assigned in an amount that does not exceed the real value of the insurance object.
The amount of health and life insurance for passengers and the driver provides for settlement by agreement of the parties using the following options:
- Lump-sum system. Provides an indication in the contract of the amount of insurance for the entire cabin of the vehicle
- Calculation of a specific percentage for each individual seat in the car.
Aggregate and non-aggregate amounts
According to CASCO insurance rules in SOGAZ, the amount of civil liability coverage is determined by agreement of the parties according to the following systems:
- Aggregate guarantee for the entire insurance period.
- Non-aggregate, calculated for each individual insurance incident.
During the conclusion of the CASCO contract, the insured person is obliged to provide information to the insurance company about all the features and properties of the insurance object and not to prohibit the inspection of the vehicle. A written application to join the CASCO program is strictly required to conclude an agreement on car insurance.
What is indicated in the contract?
The contract must indicate insurance payment and premium in the event of an insured event. This refers to the category of payment obligations, the failure of which of one of the parties will entail the termination of the contract. If the car, which did not pass the state registration on time, was stolen or stolen, a deductible is provided in the contract in the amount of half of the total insurance amount.
The CASCO insurance contract is executed in writing, and the extension of insurance is carried out using the main policy. The term during which the contract is valid is established by agreement of the parties. The introduction of the first insurance amount is the beginning of its validity.
The CASCO agreement must always indicate the obligations and rights of the parties, as well as the ways in which the agreement can be terminated.
The company offers acceptable car insurance conditions. They are especially beneficial for corporate clients.
Reviews about CASCO insurance company "SOGAZ"
Reviews in general about the company are positive. Many people like the CASCO program. Upon the occurrence of an insured event, payments come quickly, without delay. Sometimes there are conflicts, but this is extremely rare. The company is really reliable.