Casco policy "50 to 50" in "Rosgosstrakh": conditions, nuances

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

The issue of insurance is quite acute for almost all car owners. This is not surprising, because only thanks to this certificate you can protect yourself from most unpleasant or unforeseen situations.

Today, there are several large companies that provide the best services on the market. Among them, it is worth noting Rosgosstrakh separately. Today, the company offers to issue an insurance policy at half price. Is it true? Is there a catch? Consider the features of this type of insurance.

Casko insurance calculator

Thanks to the Internet, most of the manipulations can be done. Therefore, before purchasing an insurance policy, it is recommended to go to the company's website and use the online calculator. The same conditions apply in almost all UK. In order to clarify the final cost of the service, it is enough to enter the make, model of the car, year of manufacture, average cost and the number of people who have the right to drive this vehicle.

After that, you can get the approximate cost of the finished policy. Rosgosstrakh also has such a hull calculator. Insurance paymentusually done in any convenient way. To do this, you can use a plastic card, electronic money or other online payment systems.

Casco "50 to 50" from "Rosgosstrakh": the responsibility of the insurance company

Regardless of the chosen tariff plan, ICs make payments in the following situations:

• When colliding with another vehicle. In this case, an accident can occur both through the fault of the owner of the insured car, and due to the negligence of another road user.
• When hitting residential objects or animals. In this case, the possible loss of vehicle control due to any technical problems is also taken into account.
• When a car rolls over as a result of a traffic accident that occurred through the fault of the driver himself or another road user.
• Due to falling any objects on the car, including tree branches, snow, ice and more.
• For Casco "50 to 50" payments are made when stones, splinters and debris are thrown out from under the wheels of other vehicles that move sideways or in front of the vehicle while on the roadway.

• When the car is submerged and drowned due to natural disasters, road failures or accidental entry of water.
• In case of fire or explosion.
• When intentional or not intentional actions of third parties that led to the fact that the vehicle was damaged or stolen.

For what Rosgosstrakh does not take responsibility

There are also a number of situations in which, regardless of the chosen tariff plan, the company is not responsible. In this case, by choosing 50/50 Casco insurance, the client must know the situations in which he will not be able to receive money:

• When the vehicle was damaged. In that case, we are talking about the fact that in the process of driving a PBX by a person who was not included in the policy, an accident occurred.
• In case the driver did not have a driver's license at the time of the accident.
• If the owner of the vehicle was driving under the influence of drugs or alcohol.
• When transferring control of a vehicle to a third party who is not included in the power of attorney to drive the car.
• In case of damaged rims.
• When chipped paintwork.

Peculiarities of issuing an economical policy

Under the terms of hull-economy "50/50" from Rosgosstrakh, everything is clear from the name. Obviously, in this case, the client pays only half the cost of issuing a certificate. At the same time, he receives full protection and can count on payments, as with any other insurance policy, with full payment of the cost.

However, before that, it is worth considering an independent opinion. According to reviews, the 50/50 Casco from Rosgosstrakh is beneficial for some drivers, but not for everyone. In addition, the program differs not only in advantages, but also in someshortcomings.

Benefits

First of all, you should pay attention to a rather obvious plus. This offer can really be considered very profitable and relevant, since in this case comprehensive insurance is provided, which allows you to protect yourself from theft, theft and many other unpleasant things without additional surcharges.

Also, the benefits of Casco "50 to 50" from this insurance company include the fact that the concluded contract will be valid until the immediate occurrence of an insured event. After that, the owner of the vehicle independently decides whether to use the insurance policy. If the damage to the car is minor, then in this case it is much easier to repair it yourself or receive money on a voluntary basis from the offender.

If the amount of the surcharge does not exceed the specified figure in the Casco agreement, then it is more profitable to apply for payment to the company.

Flaws

If we talk about the disadvantages of 50/50 Casco from Rosgosstrakh, then it should be borne in mind that in this case more stringent requirements will be imposed on the client. Of course, no company wants to work to their detriment, so there is no point in issuing such lucrative certificates to inexperienced drivers.

In addition, there is a risk that the final cost of insurance will be more than the one that was paid before it was issued. It is also worth paying attention to the fact that if a person does not fully own the vehicle, i.e. the car was issuedon a loan that is still being paid, it is impossible to get a policy under this program.

Why Casco "50x50" is considered a franchise

Many people are very wary of this program, because it can be found not only in Rosgosstrakh, but also in other insurance companies. Such caution is quite justified, since when buying a certificate, part of the damage is not reimbursed.

If we are talking about a franchise, then in this case a small discount is provided. In this case, it is exactly 50% of the amount of the insurance itself. In addition, it should be borne in mind that franchise products include those programs in which there is an expectation that the company will deduct a certain part of the money in its favor in the event of an insured event.

Based on this, we can conclude that the second part of the payment, as a rule, is paid by the insurance holder himself. Accordingly, by and large, he will pay all 100%. The whole point of franchising products is to teach customers to only report an accident with a motor vehicle if there is a serious accident and the policyholder can expect big payouts.

Accordingly, when applying for a 50/50 Casco from Rosgosstrakh, the applicant reports an accident only when the final cost of repairing the vehicle exceeds the “half” that was stipulated in the contract. Again, based on this, small scratches are much more profitable.repair yourself and contact the insurance company only in case of serious damage.

Features and conditions of registration

In order to receive the coveted discount certificate, the client of the insurance company must provide only an internal passport of a citizen of the Russian Federation, a vehicle title and a driver's license. Based on these documents and data, the company manager makes the necessary calculations. At the same time, he pays attention to the driver's experience, the number of previous accidents, what kind of car he drives, and even to his state of he alth. After that, the client pays half the cost of the insurance policy. He will have to pay the second part only in the event of a certain insured event.

What's the catch

As mentioned earlier, by and large, the main trick is that in the event of an accident, a person in any case will have to pay the second part of the insurance. Accordingly, it is only an illusion that only 50% is paid.

It is also worth paying attention to the rather strict requirements that Rosgosstrakh imposes on customers wishing to receive a discount certificate.

First of all, people aged at least 30 years old and subject to a driving experience of at least 10 years can apply for such insurance. Based on this, young and inexperienced drivers cannot count on this program.

Also in the contract you can find lines that are devoted to restrictions on the storage of vehiclesfacilities at night. If the insured event is recorded at night, then in this situation there is a high risk that the client will be denied payment.

Is it worth it to draw up

The 50/50 Casco insurance policy from Rosgosstrakh will indeed be very beneficial for those who feel free to drive a car, that is, experienced drivers. If a person does not have insured events for years, then this program will be more than beneficial to him. In the event of a serious emergency, he can simply pay the remaining 50% and collect his insurance.

Let's assume that the owner of the automatic telephone exchange issued a policy worth 20 thousand rubles for a year and at the same time for all 365 days he did not damage the car. In that case, he spent money only on maintenance. If he issues a policy at half price, then the benefit will be exactly 50%, as promised by the insurance company. That is, for a year of insurance maintenance, the driver pays half as much and at the same time remains confident that in the event of an accident he will receive a standard payment. To do this, it will be enough to pay only the second part of the cost of the policy.

From this point of view, there is no catch, so everything depends only on the skills and confidence of the person himself.

In closing

To issue or not to issue such a certificate is up to each person. Before making a decision, you should carefully weigh the pros and cons. However, in any case, Rosgosstrakh is one of those companies that annually receive the maximum positive marks from the majority of drivers. In this case, you should not expect a catch. This company is interested in attracting new customers, which is why it offers this profitable program to car owners. The franchise also extends to other well-known insurance companies, so before completing the paperwork, you should clarify the availability of such a preferential offer.