2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16
It is recommended to insure expensive movable property. The goal is to obtain guarantees of replenishment of financial investments in its acquisition. Car insurance against theft and damage is called the Casco insurance policy. There are two types of transactions - full and partial. The risks that the car owner wants to protect himself from are taken into account. Casco insurance companies (the rating is presented below) insure the car according to the following principle: compensation occurs with the deduction of depreciation, repaid and unpaid policyholder contributions.
Insured events
Cases for the payment of material compensation for Casco insurance are recognized:
- Car accident damage.
- Car fire. The payment is made if there are official documents from firefighters.
- Car explosion due to fuel detonation.
- Vehicle damage caused by various natural phenomena.
- Damage to the car by foreign objects.
- Misconduct of third parties byin relation to the car.
Casco events that do not fall into the category of Casco insured events
Does not belong to the category of insured events for payment of compensation under the Casco policy:
- Operating a broken vehicle.
- Violation of fire safety regulations while operating the machine.
- Failure to comply with Dangerous Goods Regulations.
- Operating a vehicle by an unauthorized person.
- Driving under the influence of drugs or alcohol.
- Consequences of terrorist acts, hostilities, social unrest, government orders, nuclear energy.
How to choose an insurance company for a Casco policy?
Car insurance is serious business. It is necessary to approach the choice of a company that will provide a financial cushion in case of damage or theft with all responsibility.
The main criterion for evaluating the profitability of policy proposals are rating indicators. Casco insurance companies, whose rating we will present below, are first of all evaluated by independent experts, taking into account objective parameters. Also, the assessment is carried out by professionals "of the people", expressing a subjective opinion. Below we will consider the reliability rating of Casco insurance companies. It was compiled by experts from the Expert RA agency in the top 5 category.
Rosgosstrakh Insurance Company
List including Kasko insurance companies whose rating allowsto be in the top 5, opens the company "Rosgosstrakh". Established in 1992 and being the successor of Gosstrakh, the company has retained the experience and traditions gained from the day of its foundation. The main activity of the company is working with individuals.
The rating of the Kasko insurance company is supported by statistics. There are 3 thousand representative offices in the territory of the Russian Federation. The staff consists of more than 97,000, of which 60,000 are insurance agents. The client base is more than twenty-five million people.
What can attract people when insuring under the Casco policy in Rosgosstrakh? Firstly, a high rating indicator for reliability. Secondly, compensation is offered within three thousand rubles if it is necessary to call a tow truck. If you believe the reviews, customers are attracted by the absence of the need to provide certificates from the Ministry of Internal Affairs and the traffic police in the event of an insured event. In case of minor damage, a referral for car repair is issued for 3 days.
"Rosgosstrakh" offers "Casko" for novice drivers, drivers with experience. In addition, there is an anti-crisis policy (cases not covered by OSAGO are insured). You can get insurance now, and pay for the policy in installments for up to 6 months.
SOGAZ Insurance Group
Let's consider further insurance companies "Kasko". The rating of the SOGAZ group is rather high. It has been operating since 1993. During its existence, the group has firmly won the highest level of "A ++"according to the Expert RA agency.
The most important fact that testifies in favor of the company is the use in the practice of insurance of registration of an accident according to the Europrotocol without the involvement of police officers.
Ingostrakh insurance company
Bronze in this rating goes, according to experts, to the company, established in 1947 - Ingostrakh. An extensive network includes 83 branches and more than 200 offices across the country. The rating of insurance companies "Kasko" (Moscow is taken into account in the first place) evaluates an individual approach to the client, the economic benefits of insurance and many other criteria.
In terms of Casco insurance, the company has developed several policies that are designed to solve any problems that arise with car breakdowns on the road. In addition, the organization is actively implementing IT technologies that allow online control over the driving of the client's car. Reviews show that this service is popular. The company also offers insurance for vehicle components.
Reso-Garantia Insurance Company
The rating of the Kasko insurance company allows RESO-Garantiya to firmly settle in fourth place in the top 5 rating. 1991 is considered the year of foundation of the company. Now there are more than 800 branches with 19 thousand employees. The rating of insurance companies "Kasko" (SPB) also takes into account the company's client base, which is represented by more than 8 million legal andindividuals.
If you believe the reviews, the policies offered by RESO-Garantia provide almost complete financial coverage of losses incurred by customers in the event of an insured event. For example, the RESOauto GAP service allows you to cover the difference in the cost of a car and reimbursement of insurance payments under a standard CASCO policy. And the RESOauto HELP-Comfort package provides for the provision of comprehensive assistance on the road: an emergency call for doctors, an emergency commissioner, urgent evacuation and car repairs.
A lot of good things can be heard about the VIP service program, which provides a personal manager for service. This package enables round-the-clock dialing to the dispatch service, provides step-by-step instructions for insured events, and allows you to receive a referral for repairs remotely from the insurance company. In case of minor damage to the car, compensation for damage is made without traffic police certificates.
Insurance company AlfaStrakhovanie
The fifth leading position in the expert rating of organizations providing Casco insurance belongs to AlfaStrakhovanie. It was founded in 1992 as an open joint stock company called Eastern European Insurance Agency (VESt. A.), which in 2000 joined the Alfa Group consortium and received a new name. The company is represented by 270 territorial branches. Clients are about 25 million individuals and more than 400 thousand legal entities.
A feature of the company's activity is attention to detail, which is important when buying a policy for a car. Several types of Casco are offered. The reviews show that the AlfaKASKO 50x50 package will allow the client to save half the cost of a traditional policy if there are no incidents with the car during the insurance period. Also, in the event of such a situation, it is possible to pay an additional 25% of the cost of the policy and receive a full insurance payment.
The company's attention to customers is also shown in the development of the AlfaBusiness policy. Within its framework, in case of minor damage to the car, repairs are carried out without the need to provide certificates from the traffic police. At the same time, the policy "Alpha. All Inclusive” offers insurance, in which reimbursement of up to 50% of the sum insured occurs without providing any certificates. And "KASKO in the top ten", developed by the company, compensates for losses in case of theft or a problematic accident in which the culprit does not have a policy.
Summarize
Expert rating of insurance companies was considered. These are the best organizations in the industry, according to experts. The national rating of insurance companies "Kasko" is subjective. Although in many ways customer reviews coincide with the opinion of qualified experts.
Before you buy a policy, you should definitely study the independent rating. Reviews of Casco insurance companies are not always true. Before making a dealit's worth weighing the pros and cons.
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