Bank Tinkoff, OSAGO insurance: how to calculate insurance?

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

Auto insurance is now a must when buying and using a car. Without an OSAGO or CASCO policy, it is impossible to register a car with the MREO traffic police, which means it is legal to drive it. Now there are a huge number of small and large insurance companies on the market that offer policies on various conditions. One of them is Tinkoff Insurance, where you can apply for OSAGO without leaving your home. And this is its main advantage. In the article we will talk about the company "Tinkoff Insurance", OSAGO, the rules for its registration and other points.

Tinkoff Insurance Company

Tinkoff was founded by Oleg Tinkov as a bank in 2006. Currently, the company manages a large number of financial transactions, including deposits, loans, transfers, investments, issuance of bank cards, etc. At the moment, the bank is one of the leaders in issuing bank cards in Russia.

"Tinkoff Insurance" - joint stocka company that has been operating on the insurance services market since 1993. In 2013, it was bought out by Tinkoff and has been headed by Oleg Tinkov since then.

The company has no territorial branches, except for the main office in Moscow, all services are processed and sold only through the website or by phone, which is indicated on the website. But you don’t need to be afraid of this: the resource is understandable even for an inexperienced user, it has a pleasant color scheme and a small amount of “essentially” text. To find out more detailed information, you need to click on the appropriate section or read the "Questions and Answers" or "Rules for issuing insurance". The company is considered reliable, develops successfully, advertises vigorously and constantly increases the list of its customers.

Company Services

Tinkoff Insurance provides several types of online insurance services. Services are as follows:

• Insurance for travelers abroad.
• Property insurance against unforeseen, emergency situations.
• He alth insurance.
• Vehicle insurance. This will be discussed below.

MTPL policy

OSAGO insurance has the status of compulsory in the Russian Federation. At Tinkoff Insurance, the CMTPL electronic policy has the usual characteristics for this type of insurance: protection only in case of an accident involving another car, low cost (relative to the insuranceCASCO policy). The main advantage is simplicity and convenience in registration and the absence of queues, since the policy can be issued on the website or by phone with the help of a consultant.

Since the CMTPL policy, according to Russian rules, is valid only in case of an accident, you can issue an electronic CMTPL + CASCO policy at Tinkoff Insurance (JSC). The cost will be more expensive, but it will save the owner's money from any unpleasant situations.

Advantages due to which citizens choose to purchase an electronic OSAGO policy at Tinkoff Insurance (JSC) (mostly positive reviews):

• Online format for issuing a policy without a queue and loss of time.
• Settlement of the insured event within 3 days.
• The ability to find out the cost of the policy through an online calculator.
• Scans of required documents can be sent via WhatsApp.
• Delivery of the policy by courier.
• Additional services (see below).
• Favorable conditions when choosing the OSAGO + CASCO program.

How to apply for a policy

You can find out how to apply for an electronic OSAGO policy at Tinkoff Insurance (JSC) using the rules on the website. To apply for an insurance policy, you must collect the following documents:

• Passport or constituent documents, if the insurance policy is issued by a legal entity.
• Certificate of registration in the MREO traffic police, TCP, power of attorney (if needed), purchase agreementsales, donations, etc.
• Driver's license.
• A document that confirms the value of the car.
• Previous insurance contract, if the car is not new and you personally insure it not for the first time.
• Statement according to the model.

The validity period of the policy of the Tinkoff Insurance company (OSAGO) is set in the contract. It also prescribes all insurance payments that are possible, and the features of the occurrence of an insured event. If there are any changes in the points specified in the contract (for example, changing the passport of a citizen of the Russian Federation), the car owner must notify the insurer about this within a month, otherwise problems may arise when it is necessary to receive insurance payments.

How to calculate

The cost of the policy can be calculated using the site and the corresponding option "Calculate cost" on the main page. The calculator "Tinkoff Insurance" OSAGO, reviews on the work and speed of which are only positive, is quite simple and understandable.

When you enter the option, a window opens where you must sequentially select the region of use of the vehicle, year of production, make, model and type of transmission (gearbox). After that, you need to fill in the section with information about the owner: driving experience, age and contacts (name, phone number and email address), which are needed in order to send a detailed calculation and the final cost of the OSAGO policy to a potential insured.

Additional services

When applying for OSAGO in Tinkoff Insurance, reviews of which are presented below, you can, if necessary, use such free services as:

• a tow truck that will arrive at the scene of an accident and transport the damaged car to a service station or parking lot;
• help of an on-site insurance agent in case of an accident (he can help in issuing a European protocol when the damage to the car is minor (up to 50 thousand rubles) and the traffic police wait a long time);
• delivery of the policy by courier at a convenient time and place.

Reviews

Most people look online for reviews and more information about a product or service before buying something. Users do the same when choosing an insurance company.

As for the policy of the company "Tinkoff Insurance" (JSC) OSAGO, reviews about it are mostly positive. Negative ratings are made up of a misunderstanding of the terms of insurance, failures in the site and all sorts of problems with registration, delivery or insurance payments. But in general, the company has proven itself well in its niche.

For all your questions, you can contact the hotline operators by phone 8-800-500-47-28 or through the "Feedback" option on the site, where you can ask your question, providing contact details to receive an individual answer. But before that, study the "Questions and Answers" section, as there may be an answer to your question.