Car insurance without life insurance. Compulsory car insurance

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

It's not a secret for anyone that, starting from 2013, getting an OSAGO policy has become a big problem. All insurance companies offer additional purchase of insurance products such as life, he alth or property insurance when applying for OSAGO. But what if you need car insurance without life and property insurance? In this case, you will receive the policy, you just need to wait a bit.

What to do if OSAGO is urgently needed

OSAGO - compulsory car insurance. This policy must be purchased by every vehicle owner. Of course, if the contract is urgently needed and there is no desire to argue with a representative of the insurance company, then you can agree to the terms of the company and buy all additional services.

If you do not want to overpay, then you can use the following algorithm. This instruction will help you buy only a compulsory insurance policy.

Purchasing a policy without additional services

The first step is tocomplete an insurance application. The application form can be obtained at any office of the insurance company or downloaded from the World Wide Web. All fields must be filled in correctly in the application.

After the application is completed, you need to find out the cost of your contract. To do this, you can use the online calculator, which is presented on the official website of each insurance company. To find out how much car insurance costs, you will need to indicate: the type and power of the vehicle, the registration of the owner and the drivers who will be allowed to drive. After entering all the necessary information, the calculation will be generated automatically.

Documents for applying

Copies of documents must be attached to the application: passport of the owner and insured, title and driver's license. If the vehicle is older than three years, a diagnostic card will be required.

The entire package of documents should be given to the representative of the insurance company. In this case, you must ask to register the documents and give the second copy of the application with a mark of acceptance.

According to the law, after the acceptance of the application, the company is obliged to execute the contract within 30 days. In this case, the insurer may ask to provide the car for a visual inspection (in its pure form). Be sure that after these steps you will be sold car insurance without life insurance and other additional services.

Quick buyOSAGO

Today, in order to purchase an OSAGO policy, it is not necessary to go personally to an insurance company, since you can buy it via the Internet. This service is provided by the insurance leader - Rosgosstrakh LLC. To buy a policy, you need to go to the official website and visit the OSAGO section.

First of all, car insurance is calculated. The cost depends on: type of vehicle, registration of the owner, power, age and experience of drivers. Also, do not forget about the discount that each driver earns for an accident-free ride. Under current law, each driver receives a 5% discount for each accident-free year. The discount is cumulative and does not increase when it reaches 50%.

After the calculation, you must fill in all the necessary information, indicate the terms and make the payment. In this case, car insurance is issued without life insurance. If desired, this policy can also be purchased on the website for an additional fee.

OSAGO in Rosgosstrakh insurance company

If it is not possible to purchase an OSAGO policy through the World Wide Web, you can contact any branch of the Rosgosstrakh insurance company and buy a policy. This is the only insurer that has a large branch network, so choosing an office will not be a problem.

Rosgosstrakh car insurance is issued only if the following documents are available:

• original passports of the insured and the owner;
• documents for the vehicle: Titleor certificate of registration;
• driver's license of all drivers (it is allowed to enter 5 drivers in the OSAGO policy);
• diagnostic card if the car is more than three years old.

Based on the documents, a representative of the insurance company will make a preliminary calculation and announce the amount of the insurance premium. Only after the consent of the insured, the OSAGO policy will be issued.

Additional insurance

When applying for a mandatory OSAGO policy, all insurance companies literally force you to purchase a life insurance policy. If you think about it, this is a very profitable type of insurance for a minimal fee. Thanks to this policy, you can count on decent compensation in the event of an insured event.

On average, car insurance costs 8-13 thousand rubles. The cost of additional he alth insurance is only 1-2 thousand rubles. It turns out that each driver buys an expensive policy and insures other participants in the accident, but does not care about his he alth. Therefore, it is worth considering carefully whether to purchase an additional insurance product to protect yourself from an accident.

Insurance tricks

Many insurance companies use little tricks to get insurance with additional services. One of them is the denial of instant clearance. Customers who do not wish to overpay should bring the car in for a visual inspection and sign up for the clearance queue.

Thisthe need is explained by the fact that there is a department of car insurance only with life insurance, in which everything is processed in the order of priority, and there is a department of only OSAGO insurance, which issues only by appointment.

Some companies immediately announce to the client that the registration will be only with additional services. If the client refuses, the representative of the insurance company makes a calculation and announces that the discounts are not checked against a single PCA database, and therefore it will not be possible to draw up an agreement.

It turns out that it is not so easy to issue an OSAGO policy. Car insurance is a statutory requirement that forces many drivers to go through a complicated process.

Correct insurance

It turns out that it is possible to issue an OSAGO policy without additional services, but it is difficult. To save money, you need to deal with insurance in advance, a month before the end of the insurance period.

To do this, send an application and the necessary package of documents to the insurance company and wait until you are invited for insurance and inspection of the vehicle.

Car insurance without life insurance will be issued and you will be able to drive your vehicle insured.

If possible, it is better to use online insurance and buy an electronic compulsory insurance form. This significantly saves not only time, but also money.