CASCO in Ingosstrakh: calculation, features and reviews

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

The owner of a vehicle, especially a new one, turns to the insurer to protect himself from possible material losses if the car has an accident or an accident. Insurance company Ingosstrakh conducts CASCO calculations both on its official website and in all divisions throughout the country.

Features of IC "Ingosstrakh"

Ingosstrakh Insurance Company is the most experienced insurer in the domestic insurance market, because its history exceeds seventy years. This company has been protecting the property of citizens and legal entities for decades, providing them with insurance protection against various risks. Calculation of CASCO in "Ingosstrakh" for their clients will help to make both office managers and a large network of agents. This allows the company to offer its services in every corner of the country. 71 years of work, 83 branches, more than two hundred representative offices, almost three billion of equity - these are the general indicators of the UK"Ingosstrakh", which only emphasize the solidity and seriousness of the company and its insurance products. Feedback from grateful customers allows her to take first place in the rating of insurance companies.

Today, the insurer offers several car insurance programs.

KASKO "Premium"

The CASCO program "Premium" will be interesting for VIP-clients who use new cars. The main condition for the execution of such a contractual agreement is the availability of a guarantee from an authorized dealer.

Calculating the cost of CASCO "Ingosstrakh" under this program suggests starting with determining the sum insured. It should be noted that when the insurance indemnity is paid for the first insured event, the insurance price of the car will not change and will not decrease by the amount of the payment. Such a calculation has the definition of a "non-aggregate amount". The amount of the cost of the policy is calculated by the insured independently.

Advantage of CASCO "Premium"

In the event of an insured event, it is enough for the client to dial the number of the round-the-clock dispatch service to report the incident. There is no limit to the number of such events. For two events per year, you can repair the body or replace the glass elements without supporting certificates from the relevant authorities.

The advantage of CASCO "Premium" from "Ingosstrakh" is the coverage of material costs for the delivery of a damaged car to a service station. The client can choose at his discretion: to receivecash for repairs or pay for the services of a repair organization. However, given that all new cars up to three years for the period of warranty service are required to be repaired at a specialized service station, the insured prefers to pay the bills.

Accident commissioner under the CASCO program "Premium"

When an event occurs that has signs of insurance and falls under the insurance contract, an expert of the insurance company leaves for the place. For such cases, an emergency commissioner works at Ingosstrakh. He works with representatives of the traffic police and at the same time provides assistance to the insured.

An employee of the insurance company, based on the results of the accident, draws up a referral to a licensed auto repair shop. The client, having a policy in hand, does not apply directly to the office of the insurer. All functions for collecting documents and necessary information are assigned to the emergency commissioner.

CASCO "Optimal"

For customers who own cars that are no longer new, the company offers to use the Optimal program. In Ingosstrakh, the calculation of a CASCO policy under this program begins with determining the real value of the insurance object. Under this program, as well as under CASCO "Premium", the amount of the sum insured will not change downwards regardless of the number of insured events.

It should be noted that if the vehicle is damaged, repairs can be carried out at repair stations that cooperatewith Insgosstrakh. The calculation of the CASCO policy "Optimal" includes full coverage of material losses in case of theft of the insured object or its complete destruction.

KASKO "Comfort"

For owners of VW, Skoda cars in Ingosstrakh, CASCO is calculated according to the Comfort program. These terms also apply to Seat and Audi vehicles. The main condition for drawing up such an agreement is that the car must be under warranty service at a company service center.

Calculation of the cost of CASCO in "Ingosstrakh" under the "Comfort" program includes, in addition to paying for car repairs, also the liability of the insurer for theft or total destruction of the vehicle. To obtain insurance under this program, you must have a significant driving experience. This program does not include the services of a personal insurance agent. At the same time, in case of an emergency, the emergency commissioner will process the insured event and help in collecting the necessary supporting documents.

CASCO online

When insuring a car, Ingosstrakh proposes to carry out the calculation of CASCO online for all potential customers. And if the future policyholder lives in the capital or the Moscow region, then you can also purchase such a policy online. Thus, without visiting the office of the company, the consumer has the opportunity to determine the price of CASCO in Ingosstrakh. With conditionsinsurance and the calculation of the insurance payment can be found in various options and for all available insurance programs. Residents of cities where there is no online registration of CASCO are offered the opportunity to receive the original contract free of charge by courier or by mail.

CASCO registration

In order to issue and carry out the calculation of CASCO in Ingosstrakh, the insured must provide a certain list of documents:

• document that confirms the identity of the client;
• car rental agreement if the vehicle is rented;
• power of attorney for the car, if the policyholder is not the owner;
• certificate of registration of the insurance object;
• documents confirming the driving experience for all persons who drive a car.

If a client applied for the services of Ingosstrakh for the first time, although he had previously been served by another insurance company, he may be credited with a bonus discount if he submits a certificate from another insurer about the lack of payments.

Cost of contract

When insuring a CASCO car at Ingosstrakh, the calculation begins with the cost of the car. Further, correction factors are applied, which are affected by:

• area of operation of the vehicle (a city of regional significance or a small regional center);
• car characteristics, number of years, engine power, mileage;
• number of people allowed to drive a car, their driving experience;
• history of insurance payments or lack thereof.

Also, when drawing up an insurance contract, you should clarify the presence of anti-theft elements or their absence. When calculating CASCO insurance at Ingosstrakh, you must specify the age of the drivers, whether it is a man or a woman. Even the presence of children and civil status (married, single) affect the final price of the policy.

Additional insurance options

When calculating CASCO, Ingosstrakh proposes to add risks for which other insurance companies are not responsible to the standard set of insured events. This is:

• loss, theft, destruction of vehicle license plates;
• damage to car wheels;
• non-return of a rented, rental or leasing car;
• loss of the second set of car keys;
• material damage caused to objects or equipment that were inside the insured vehicle;
• damage caused by a defective vehicle that was banned from its use;
• damage caused by the transport or storage of explosive ordnance resulting in a fire or explosion;
• Pecuniary loss due to an insured accident if the client was at fault and fled the scene or did not have a driver's license.

Customer Reviews

The quality of the company's work"Ingosstrakh" is evaluated by the feedback of its customers. It should be noted that there are much fewer negative reactions to the quality of service in the company than positive or neutral ones. Someone was delighted with the quick and high-quality settlement of the insurance payment for the car. Others are dissatisfied with the size of the accrued insurance compensation. However, this happens when in Ingosstrakh, when concluding a CASCO contract, the insured reduces the amount of the insurance payment, making a significant amount of deductible into the contract.

It should be noted that most of the complaints of the company's customers are due to the fact that policyholders do not read the rules of CASCO insurance. To avoid such situations, customers should read all the clauses of the agreement in detail, especially with the terms of payment and the reasons for refusal.

The presence of a vehicle insurance contract allows owners to feel confident that in the event of an insured event, the company will compensate for the material costs incurred. The conditions of CASCO insurance in Ingosstrakh and the calculation of the insurance payment allow the client to decide on the best insurance option, which takes into account the material capabilities of the insured and the maximum level of insurance protection.