Where and how to insure a car without additional insurance?

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

When buying a car, we do not always think about the upcoming additional costs. If you put aside spending on a variety of tuning, winter tires and all sorts of "gadgets" such as seat covers made from the skin of a young antelope, then the most significant contribution to the vehicle is insurance. But how and where to insure a car? Reviews about companies offering such services are so diverse that it is sometimes difficult to make the right choice. Turning to various insurance companies, many clients often face the fact that, in addition to the actual auto insurance, they are forced to pay for additional services. We are talking about life insurance, cargo and so on. Important, but often not needed right at the moment, right? And besides, if such a desire arises, the client himself can turn to the employees with a corresponding request. But this is a lyric. So, how to insure a car without additional insurances and what is needed for this?

Types of policies

Most often, a vehicle insurance contract is concluded immediately after the purchase of a car and is renewed annually. An exception may be situations when the age of the purchased car exceeds 10-12 years: in such cases, some companies may even refuse to service. There are two types of policies that are most popular today:

• CASCO - you can insure your car (your own) both against theft and against any damage;
• OSAGO - involves covering losses to the owner of someone else's car affected by your negligence;

One important nuance: in the event of an insured event, it is impossible to receive payments under two policies at once, so if you have both OSAGO and CASCO, then in the event of an accident you will have to choose exactly where you will demand compensation for the incurred losses.

When purchasing this or that auto insurance policy, the owner of the vehicle first of all looks for the most favorable conditions for himself, and the price of the service in this case plays an important role. Therefore, before signing a particular contract, you should carefully read all its nuances.

How mandatory is life insurance

When concluding a contract, many car owners are faced with the fact that, in addition to the main service, they are offered to issue a policy for additional risks, for example, to insure the life of the driver himself. Such payments are disparagingly called "additional payments" among the people. Sometimes the refusal of these services entails the impossibility of issuing a policy or a significant delay in obtaining it. Is it possibleinsure a car without life insurance? It turns out that you can, however, sometimes the process can take some time. Therefore, if they refuse to insure a car without life insurance in the “native” company, and the deadlines for registration are running out, it is easier to look for another company that provides similar services. But what if you don’t want to change the SC?

What to do if you get rejected

Based on Russian law, you are not required to pay for additional options at all. Therefore, if, for example, Rosgosstrakh refuses to insure a car without “special stages”, and there is no time or desire to change the service company’s policy, you can try to influence insurers according to the law. As a rule, when taking out insurance, people do not pay attention to overpayments, but if this issue is fundamental for you, and a simple conversation with company employees does not bring any result, contact the court or the antimonopoly committee.

In order to definitely win the case, you need to prove that managers are forcing you to pay for an additional service that you do not need. For this, a written refusal of the company is suitable, in which the impossibility of concluding a contract without life insurance is indicated as a reason. If they refuse to give you such a paper, then the fact of refusal can be recorded on a phone or a voice recorder - this can help prove your case. Most likely, you will win the court, and all the overpaid amounts will be returned to you, but you will have to beat your nerves pretty much.

In addition, there is a possibility that offendedinsurers will pass on information about you as a negligent client to their partners, and it will become problematic to issue a policy in the future. If this happened to you, immediately file a complaint with the antimonopoly office, the prosecutor's office and the court. Sound all the bells, the truth is on your side, because any specialized company is obliged to insure a car without additional insurance, and there is no law forcing you to pay for what you do not need.

One more way

If you don't want to spoil your nerves and waste energy on litigation, you can try to do this without aggravating relations with the organization serving the policy. Here is another, less "bloodthirsty" way to insure a car without additional insurance. Small instruction:

1. Go to the website of the selected company and find there information about the basic rates of insurance rates and payment details.
2. Using the instructions of the Central Bank of the Russian Federation, we independently calculate the amount of the insurance premium. It is not difficult to do this, on the corresponding portals there are a lot of instructions and examples on this subject.
3. We pay for the service, but in such a way that you have a check or a receipt in your hands indicating the purpose of the payment, where you need to write “Insurance premium payment, OSAGO policy, car “…”, state number xxxx.”
4. We make photocopies of the following documents: passport, vehicle registration certificate or car registration certificate, driver's license of all those who are allowed to drive this car, diagnostic card or certificate of technical inspection, insurance premium payment receipt.
5. Fill out the applicationon the conclusion of an insurance contract (the form can be found on the Bank of Russia website).
6. We draw up a cover letter in two copies, in which we prescribe links to the following laws: Federal Law No. 40, ed. dated 04.11.14; clauses 1.4–1.6 of Regulations on the Rules for Compulsory Civil Liability Insurance of Vehicle Owners No. 431-P, approved by the Bank of Russia.
7. Accompany the cover letter with an inventory of the above documents and their copies.
8. Personally bring all of the above to the office of the insurance company and require you to put a mark on the date of receipt on your copy of the cover letter.
9. If the company employees refused to accept the documents in full, we send them by mail, with a notification of receipt, be sure to make an inventory of the attachment.

Most often, after all these actions, the insurance company does not ask questions and draws up a policy without imposing additional services.

How and where to insure a car under OSAGO

You can get such an auto insurance policy in almost any company that provides such services. In the people, OSAGO is simply referred to as “auto-citizenship”, since the abbreviation stands for “compulsory automobile civil liability insurance”. To get it, most often you don’t even need to present the vehicle itself for inspection, but the absence of OSAGO is punishable by a fine.

So, where to insure a car under OSAGO? At first glance, it may seem that the cost of the policy will be approximately the same.in any company, but in practice this is absolutely not the case. However, you should not chase cheapness, first of all you need to think about whether your insurance company will be able to reimburse you for losses, if necessary. Here are a few criteria to look at:

• Insurance price. The low cost of the policy is not always good, it is better to stick to the average price category.
• Rating of the insurance company. Reputable organizations often offer a variety of promotions and discounts, and they have a proven reputation.
• Provision of additional services. Sometimes behind the promotions there is a camouflaged imposition of absolutely unnecessary services for you: he alth, property, life insurance, etc.
• Convenience of location. Consider how convenient it will be for you to visit the company's office if necessary.

CASCO

Another fairly popular type of policy is CASCO. In this case, you can insure the car in addition to OSAGO, although this is not mandatory. Almost anything can be included in the list of risks under this agreement:

• hijacking;
• damage in case of an accident;
• broken glass from a pebble flying out from under the wheels of the car in front;
• cut wheels;
• falling of any foreign objects, such as icicles or bricks;
• dents and scratches of unknown origin;
• any other risks.

It does not matter who is to blame for the insured event, the payment will still cover the losses. It all depends on the cost of the policy - whatthe more risks it includes, the more expensive it is. So, as you understand, CASCO is not a cheap pleasure, often the cost of car insurance is 10-15% of the price of the vehicle itself. However, despite the high cost, the CASCO policy is very popular, especially among novice motorists.

In this case, answering the question "how to insure a car without additional insurance" is quite difficult. Due to the fact that CASCO is exclusively voluntary, insurance companies try to set as many additional requirements as possible. There are cases when “enterprising” managers offered novice drivers to additionally issue an alarm policy in case of a sudden circuit (supposedly, it is impossible to insure the car against theft without this item). Unfortunately, it is quite difficult to deal with such phenomena - it is easier to change the insurance company.

What affects the CASCO price

Thinking about where to insure a car under CASCO, it is worth considering some factors that can affect the price of the policy. Most often it depends on:

• brand of car and its cost - the more it is, the more expensive the policy;
• age of motorist and driving experience - the more it is, the cheaper the policy;
• "antiquity" of the car itself - the newer the car, the cheaper the insurance, and a vehicle older than 10-15 years may not be insured at all;
• presence and level of anti-theft systems;
• places and conditions of car maintenance - yard, garage, guarded or unguardedparking;
• franchise amount - damage not exceeding the franchise amount is eliminated at the client's personal expense;
• population density in the region where the car is used - for example, the risk of an accident in a metropolis is an order of magnitude higher than in a small village.

Also, the cost of a CASCO policy can increase:

• list of insured events;
• car repair place - a car service of the choice of the UK will cost less, but the repair itself there can result in a tidy sum;
• the size of the percentage limit for payment in the event of an insured event;
• payment amount in cases where the car cannot be restored and must be disposed of;
• the possibility of providing a Green Card for traveling abroad;
• additional life insurance for the driver or passengers;
• possibility of payment by installments;
• complexity and timing of the procedure for reviewing the situation, to recognize the case as insured;
• other.

Internet insurance

Recently, no matter what kind of policy you draw up, large insurance companies offer the service of drawing up a contract remotely. So, how to insure a car via the Internet and how reliable is it? To begin with, we note that despite the fact that such a service is very convenient, it is still not completely safe. In this case, it is worth trusting only stable proven companies. Therefore, before deciding to insure a car via the Internet, carefully study the reviews of the organization offering such a service, or intermediary agent.

The essence of the process is as follows:

• choose an insurance company and go to its official website;
• carefully study the conditions for issuing a CASCO and OSAGO policy, select the one you need and leave an online application for its issuance;
• in some cases, you will have to additionally fill out a small questionnaire, in which you indicate information about the car and other non-classified information;
• indicate the date and time at which it is convenient for you to receive the courier of the insurance company.

At the specified time, after processing the information, a courier will come to you with a ready-made insurance policy, which will need to be paid on the spot upon receipt. You can also choose the place where the document will be brought to you - at home or at work, whichever is more convenient for you, the main thing is to be there at the specified time. This is quite convenient, since there is no need to waste precious time going to the company's office, no need to "hang out" in traffic jams, stand in line to the manager and the cashier, and so on. Your time and nerves will remain with you.

In order not to waste time visiting the company's office, you can also use the services of special intermediary agents, who often also have their own pages on the Internet. An agent is an individual who has an agreement with an insurance company and provides intermediary services. Most often, such people receive from 10 to 20% of the cost of the policy, so if you use the services of the same person all the time, he may even give you a discount, and the policy will cost a little less. However, hereyou need to be doubly careful not to "run into" a scammer.

Loan car - forced choice of insurance company

But the question “where is it better to insure a car taken on credit” is not worth it at all. The fact is that banks that issue a loan for the purchase of a car most often send the client to a specific company with which they have an additional service agreement. If you do not insure a credit car exactly where you are told, then you most likely will not receive money.

True, there is one nuance here: most often banks cooperate with more than one insurance company, but they “forget” to inform the client about this. So before applying for a loan, ask a representative of a banking institution for a list of all organizations with which they cooperate, and choose the one that suits you best. In the future, when concluding a loan agreement, demand the opportunity to be serviced exactly where it is convenient for you. Most often, banks do not want to lose a client because of such a "trifle" and go forward.

Insurance nuances

There are also some special cases in which it can be difficult to obtain a policy. For example, do you know how to insure a car without a technical inspection? It seems to be in any way, but there are some nuances. Some insurance companies offer their customers a "conditional policy". This means that the document will be issued to you, but at the same time you will be required to write a statement stating that you undertake to provide a technical inspection coupon later, for example, within a week.

You can alsooffer to issue a short-term policy, that is, insure the car for a month or two weeks. This just means that during this time you will have time to pass the inspection and return for the main "security" document. If the time to reissue insurance has already come, and the old technical ticket is valid for another six months, then you do not need to re-pass it, you can issue a policy according to what you have. And if you have purchased a new car, then you do not need a technical inspection coupon at all, because you will pass MOT only after three years.

Due to a significant increase in the cost of the policy, some car owners would like to issue it early, at the "old" prices. But not everyone knows whether it is possible to insure a car in advance. It is possible to extend the validity of the OSAGO policy not earlier than one month before its expiration. So those motorists whose compulsory insurance policy expired in early May could theoretically save a little, of course, if they guessed the date of the tariff increase.

With CASCO, the situation is even worse - if you renew an existing policy, you can do this no earlier than two weeks before the end of the previous one. And if you make out a new one or want to change the insurance company, then the bill here goes for days. True, in some companies it is possible to issue a policy “with a reservation”. This means that a note will be made to the insurance contract that its validity period begins from the moment the vehicle is re-inspected, the date of which is set on the day preceding the expiration of the existing insurance. You can save money, butin the event of a critical situation, such an agreement has no force.

Of course, it's best to drive without accidents, because it's quite difficult to find out if the car is insured. Unfortunately, there is no complete unified database of insurance companies, there is only PCA data, where the answer can be obtained by knowing the policy number. If you do not know him, then you will have to seek an answer directly from the participants in the accident, and this is sometimes oh so difficult.