The online comprehensive insurance calculator will calculate the best deals in Moscow, St. Petersburg, Yekaterinburg, Krasnodar, Novosibirsk, Samara and other Russian cities, processing the rates of 20 insurance companies. Just enter the data and the program will perform all the complex calculations. You can select and order a comprehensive insurance policy online at no additional cost. When ordering through Sravni.ru you get a discount of up to 20%! The data goes directly to the insurance company. Sravni.ru does not send spam. If you are an experienced driver and want to save on your policy, then indicate a deductible that will help reduce the cost of the policy by several tens of thousands of rubles.
How to save on Casco?
The cost of comprehensive insurance varies significantly among different companies. For example, a policy for the same car may cost 30 thousand rubles in one company, and 90 thousand rubles in another. To find a good deal, you need to find out the cost of the policy from several insurers. Previously, this took several days. Nowadays you can find a cheap offer in just a few seconds. You can do this using the Sravni.ru comprehensive insurance calculator. Additionally, you can save on your policy if: - choose a large deductible; - enjoy discounts when switching from one insurance company to another; - buy partial comprehensive insurance (for example, insure the car only against theft or only against damage).
CASCO calculator for 2020
After submitting your order, a representative of the insurance company will contact you at working hours- from 9 to 18 hours. If you submit your application after 6 p.m., the order will be processed the next business day. A comprehensive insurance policy is issued by an insurance company. In some cases, you can use the “express order” service. You just need to provide your name and contact number. An insurance company specialist will contact you within 1-2 minutes after submitting your application. Some insurers are ready to deliver the policy to a convenient location the next day after ordering. Sravni.ru services are free for all users.
Documents for registration of Casco
To apply for a comprehensive insurance policy, you will need to provide the insurer with a package of documents, the exact list of which should be clarified in advance. As a rule, it includes: - a statement; - passport or other identification document; - registration documents for the car (registration certificate or sales contract). To purchase a policy, you need to sign an insurance contract. Sravni.ru recommends that you carefully study its terms and conditions. Pay special attention to the list of insured events for which payment is due.
Some people mistakenly believe that accidents involving trucks are less common.
Large vehicles have poor maneuverability, which reduces their chances of dodging another vehicle in traffic.
At the same time, freight vehicles are more expensive and their repairs are expensive. In most cases, heavyweights serve as a source of income for their owners.
All these circumstances contribute to the demand for CASCO policies for trucks.
There are many offers on the market for insuring such equipment with attractive conditions, favorable rates and discounts.
The peculiarity of issuing a policy is that they apply to cases related to freight vehicles, transported goods and the carrier’s liability.
ATTENTION! CASCO is mandatory for freight transport purchased on credit. If the bank agreement stipulates that you need to take out a policy during the entire loan period, you will have to do this (is it possible?).
What types of damage can a car be insured against?
The policy indemnifies for damage in the following cases:
When taking out a policy, it must be concluded between the car owner and the insurance company. It details all the risks that the insurance will cover.
The most common ones should be included - theft and damage from road accidents.
REFERENCE: You can additionally include a clause in your insurance policy that reflects the wear and tear of equipment during its operation. This will increase the cost of the service.
What you can insure a truck against under CASCO, watch the video:
What policy options are there?
Freight transport car owners have a choice between two CASCO policies:
- Partial insurance. Damage from an accident or theft is covered, but not both cases at the same time. Such conditions allow you to save significantly.
- . Includes all possible risks and those you want to include individually.
You will find more nuances about how full CASCO differs from partial CASCO in.
The CASCO insurance system is quite flexible, which allows truck owners to choose the best option for themselves without overpaying for unnecessary additional services. It is up to the client to decide what risks to take into account.
IMPORTANT! Any policy does not cover transported cargo, which is important for merchants. It must be insured separately from the vehicle.
Insurance of trailers and semi-trailers
Insurers strongly recommend including a clause regarding trailers in the CASCO contract. The following risks should be considered:
- kidnapping;
- illegal actions of third parties;
- fire;
- fall;
- damage due to improper loading;
- damage from natural disasters.
The car owner has the right to take out a separate policy for the trailer or general insurance for the vehicle along with the trailer. There are no restrictions on this matter.
REFERENCE: Trailers owned by private companies are subject to compulsory MTPL insurance (what is it?). Individuals who own trailers for passenger cars have been exempted from this obligation (since 2009). A cargo trailer requires a vehicle insurance policy.
CASCO calculator for trucks
So, what affects the cost of CASCO for a truck? Specific factors influence the final cost of insurance:
- technical condition;
- brand;
- insurance history;
- service life;
- place of registration;
- insurance history;
- driver experience;
- available safety equipment (active and passive);
- the presence of various anti-theft systems;
- insurance period (is it possible?);
- included insurance risks;
- payment method.
Your agent will help you calculate the cost of insurance during your consultation. Please ensure that the diagram is transparent and understandable. There is also an online calculator on the websites of insurance companies that will help you determine the cost of the optimal insurance program (we wrote more about how to independently calculate the cost of insurance using an online calculator).
To do this, enter the relevant information for the calculation into the proposed fields. There you can also apply for CASCO insurance and order delivery of the finished product.
The highest tariffs (from 5%) apply to minibuses, mini-trucks, vans, and refrigerators. Medium (up to 4%) – for household equipment and tractors.
The rate for trailers ranges from 0.5 to 3% depending on the model and the risks taken into account. Most often, owners are limited to insuring their trailer against theft - the rate is up to 1%.
As a rule, for commercial freight transport the price of a CASCO policy ranges from 6 to 12% of the total cost of the car, taking into account other factors that make up the tariff.
The popularity and reliability of an insurance company also affects its pricing policy. The most reliable of them have been on the market for more than 20 years - INGOSSTRAKH, ALLIANCE, ROSGOSSTRAKH and others. In any case, carefully study the contract.
ATTENTION! In an accident, the risk of serious damage to a truck is minimal due to its large dimensions compared to passenger cars. For this reason, this case is insured at a rate of 1 to 3%.
Registration of CASCO insurance for freight transport, especially for commercial purposes, is the right decision. The policy will reimburse expenses in insured events (theft, fire, etc.), which occur all the time.
It is more economical to anticipate troubles than to subsequently eliminate their consequences. What determines the price of CASCO insurance, you will learn from the video:
For every car owner who decides to purchase a policy, the CASCO online insurance calculator 2020 will serve as an extremely useful tool. However, to talk about exactly how the calculator is useful, let’s talk about what CASCO is.
Where did CASCO come from? Calculate CASCOIn our country, the last five years have seen the real peak in the popularity of comprehensive insurance. This popularity is due to the fact that commercial banks began to issue affordable loans for the purchase of a car. However, to obtain a profitable car loan, the borrower is required to provide a CASCO policy.
Some joker drivers decipher the term CASCO as an abbreviation of the phrase “Comprehensive Auto Insurance Except Liability.” In reality, of course, everything is completely different. The very concept of comprehensive insurance arose not in our country, but in Europe. Today it is a generally accepted international term. It is customary to designate insurance not only for automobiles, but also for water and even air vehicles. The very history of the origin of the word CASCO is quite interesting.
According to one version, the term is borrowed from German language, where the word “kasko” literally means vehicle. Another version refers us to the Italian language, where the word “casco” is used to describe a shield or helmet. There is another version that has the right to life: the Spanish word “casco”, translated meaning skull.
This concerns the origin of the word. But as an insurance term, the concept of CASCO arose much earlier than is commonly thought. In the 15th century in Spain, the owners of fishing boats, who suffered greatly from pirates, were simply forced to unite and create the first mutual aid funds. It was from such cash desks that vehicle insurance emerged over time.
It is generally accepted that CASCO is insurance of vehicles against theft and damage, but the insurance policy offers much more: insurance of additional equipment, as well as the life and health of the driver and passengers. A number of insurance companies also include the DoSAGO (Voluntary Motor Liability Insurance) agreement in the CASCO calculator. There are dozens of such companies today, and each is ready to offer its own conditions, various programs, and tariffs. To understand how contracts can differ from each other, how to choose the optimal one and not lose in the quality of services, you need to familiarize yourself in detail with what motor insurance is.
What does the CASCO price depend on? Calculate the cost of CASCO online
If you want to find out the price, the CASCO calculator 2020 will help you calculate the cost of the policy online, in which you need to enter data about a specific vehicle, as well as select insurance policy options. The price depends on the age of the car, make and model, but the choice of options also affects the final cost of the policy.
Insurance option: You can choose full or partial insurance. A partial policy will allow you to receive compensation only for damage caused to the car, while a full policy will compensate for its cost in case of theft. The difference between these two types of policies in price at one insurance company can reach 40%.
Franchise: Having a franchise allows you to reduce the cost of the policy.
Sum insured: Can be reduced (aggregate) or irreducible (non-aggregate). Aggregate insurance is cheaper for the client, since after each payment under the contract the amount of the insured amount becomes smaller. The insured amount is the amount from which compensation for damage in insured events is paid.
Method of obtaining insurance: At his own choice, the client can choose a service station recommended by the insurance company, or choose a service station himself, or receive the amount in cash. If you agree with the choice of service station of the insurance company, such a policy will be the cheapest. The remaining two options will increase the price of the policy.
Payment is made: With or without wear and tear. Choosing the “without taking into account” option will allow you to receive compensation in the event of an insured event, which will allow you to replace the damaged part or the entire car, but this choice immediately increases the cost of insurance by up to 20%.
Age and experience of drivers included in the contract: The cost of the policy increases in proportion to the decrease in age and driving experience of the drivers included in the contract. Sometimes the cost of a “multidrive” policy (there are no restrictions on the number of drivers allowed to drive a given vehicle) is cheaper than a policy that includes several young drivers.
Other important factors that seriously affect the final cost of a CASCO policy are:
Installment payments under the contract. Always increases the cost of the policy. The cheapest way is to pay for the policy right away. But you can also choose installment payment if the insurance company does not impose an obligation on the client to pay premiums with an increasing coefficient.
Insurance history. A number of insurance companies introduce a reduction factor for accident-free driving.
Anti-theft alarm. The higher the class of the anti-theft system, the cheaper the cost of the CASCO policy.
Calculate the cost of CASCO - online calculator 2020
At the client's choice, most insurance companies offer CASCO against theft, against damage, against damage and theft. A few offer insurance only against theft (SK RESO). Choosing insurance only against damage makes sense only when the car does not belong to the category of frequently stolen cars, and in the absence of the driver it is kept in a guarded parking lot or in a personal garage. In all other cases, insurance against theft is a justified measure.
What is a franchise?In fact, the deductible is the part of the insurance compensation that is not paid under the contract. It can be conditional or unconditional, and in the contract it can be stated as a percentage of the insured amount or as a specific amount.
The conditional deductible determines the minimum amount of damage. If the damage received is less than this amount, compensation under the contract is not provided. An unconditional deductible is the amount by which the payment will be reduced upon the occurrence of an insured event.
A driver who wants to receive compensation for damage from even the most minor accident will benefit from a contract without a franchise. For experienced drivers who do not get into minor accidents, it is more profitable to calculate CASCO insurance online with a deductible to see the savings, since the difference can be very significant.
What else should you pay attention to?
Having decided on the choice for each of the options of the CASCO calculator, you should familiarize yourself with the prices for policies offered by various insurance companies. We remind you that the calculator only serves to calculate CASCO insurance, but does not in any way protect you from “surprises” in the contract, therefore, before purchasing a policy, you must carefully read all the conditions. Most often, a “surprise” can await the client in the following clauses of the contract:
- Conditions for storing a car at night. This clause is not specified in every contract, but may require the policyholder, upon the occurrence of an insured event, to provide documents confirming that the car was in a guarded parking lot at night.
- The contract must necessarily formulate the concepts of “theft”, “damage”, “theft”, “destruction of the car”. If this is not the case, the company will be able to use this gap in the event of an insured event to understate the amount of insurance compensation.
- A section of the contract that specifies all cases in which insurance compensation is not provided. You should read this list very carefully. Sometimes it includes types of damage that, in the driver’s opinion, require mandatory compensation.
- Responsibilities of the parties. Another point that requires the most careful study, since it is here that the conditions for notifying the insurance company about the occurrence of an insured event are spelled out. Failure to comply with these conditions enshrined in the contract will be a valid reason for refusing insurance compensation.
Now you know everything about how the policy is calculated, comprehensive insurance will help you online calculator for all insurance companies. Which insurance company to choose, and which one exactly, is up to you to decide, and our task is to help you make a profitable purchase! Use our CASCO insurance calculator online 2019 and make your choice!
The operation of special equipment, trucks and buses has its own specifics, which is reflected in the procedure for insurance and loss settlement. At the same time, CASCO conditions for such transport are most often agreed upon individually. What do you need to know in order to buy a policy profitably?
Trucks
It's hard to imagine anyone keeping a truck solely for personal use. Therefore, when applying for a CASCO policy for such transport, it is implied that it will be used for commercial purposes. In other words, the insurance company is not interested in how exactly the car will be used, unless the rules of its operation are violated.
At the same time, the price of insurance for private car owners and enterprises is somewhat different.
However, this is dictated solely by the ability to limit the list of drivers when it comes to a truck individual. Otherwise, the procedure for determining tariffs for organizations and private individuals does not differ.
As a rule, a CASCO policy for a truck costs approximately three to five percent of the actual cost of transport. However, insurance companies usually divide trucks into two categories:
- domestic production;
- imported production.
The final tariff for foreign brands is slightly lower than for domestic cars. The service life of the vehicle is also of great importance: each year the truck is used increases the tariff rate.
Sometimes insurance companies are ready to issue a policy even for heavily used vehicles. In some cases, you can insure a truck older than five to seven years. Typically, insurers prefer to deal with such cars only in cases where they are purchased on credit or lease.
Buses and minibuses
The main purpose of buses is the commercial transportation of passengers. Moreover, the risk of damage to such vehicles directly depends on the conditions of its operation. Most often, buses and minibuses are used for the following activities:
- Transportation of employees of any enterprise.
- Regular intracity and intercity transportation.
- Catering for private events (eg weddings).
Typically, insurance companies require you to indicate the purpose of the bus on your insurance application. Accordingly, the use of transport for other purposes is not permitted. In other words, if you plan to transport passengers along one of the city routes, you should definitely notify the insurer about this. IN otherwise payment may subsequently be refused.
The final tariff for bus insurance largely depends on its intended purpose. At the same time, the cost of the policy is also affected by the life of the vehicle.
On average, insurance companies charge about four to five percent of its market price for a CASCO policy for such vehicles, but the tariff can be nine to ten percent if the bus is used for route passenger transportation.
Special equipment
The category of special-purpose equipment includes all types of cranes, concrete mixers and lifts on automobile platforms. This also includes various municipal equipment, including tractors, snowblowers and garbage trucks. Also special equipment includes mobile mechanisms of the following categories:
- Road and construction equipment (loaders, excavators, rollers, etc.).
- Industrial equipment (drilling rigs, stone cutters, etc.).
- Agricultural machinery (seeders, combines, etc.).
Due to their design features, all of the mentioned types of special equipment are slightly at risk of damage as a result of a road accident.
However, such a possibility still exists, because an incident may occur due to the fault of an outsider. For example, an absent-minded motorist may crash into a stationary road roller.
Otherwise, there is a risk of theft of special equipment. Such devices have long been the subject of attention of criminals due to their significant market value and relative ease of theft. Therefore, the owner of special equipment should purchase a CASCO policy on an “all risks” basis.
The price of insurance is determined strictly individually, but always taking into account the actual condition of the equipment and its service life.
In this case, the insurance rate usually does not exceed five percent of real price special equipment, and in some cases can be no more than one percent.
Owners of road construction and other equipment should pay attention to an extremely important detail. Often the range of such vehicles is strictly limited, for example in the case of excavators and road rollers. Accordingly, such equipment is delivered to the work site on special automobile and railway platforms.
Most insurers indicate in CASCO rules that damage to the insured object during transportation is not an insured event. Therefore, it is necessary to separately discuss this point with representatives of the insurance company.
If the insurer agrees to make concessions, a corresponding condition should be included in the CASCO agreement. Otherwise, when an insured event occurs, managers may violate the oral agreement.
How to reduce the tariff?
Usually, when applying for a CASCO policy for a truck, bus or special equipment, insurance of several vehicles is assumed. In this case, you can count on a significant discount. True, maximum savings are possible only with one-time insurance of several dozen vehicles. If we are talking about insuring two or three vehicles, the insurer will reduce the rate by a maximum of five to ten percent.
Moreover, in some cases, a discount for fleet insurance may result in a sharp increase in the cost of insurance upon renewal. Often, when loss is increased, the insurer increases the tariff for the entire fleet, even if it paid for the repair of only one vehicle.
* Attention. Car insurance calculations are preliminary. The cost of the policy can be changed if all data is clarified and documents are approved by the insurance company.
Signing up for a CASCO package is a must-have action for any modern car owner living in our country. The popularity of CASCO insurance for trips abroad is growing. CASCO insurance is a kind of guarantee that a car that gets into an unpleasant situation will definitely be repaired. Calculating the amount will be easy and simple, because the CASCO calculator on our company’s website will make this process understandable for everyone.
What is important to know:
- Car make
- Machine model
- Year of manufacture of the car
- Number of drivers, their driving experience
To any standard conditions car insurance, you can add special ones, since our website has such an opportunity. Clarifying your requests allows you to determine the cost as accurately as possible and influence it by eliminating unnecessary items or adding necessary ones. Calculating the cost of CASCO online is a great way to satisfy your curiosity and plan future expenses so that they do not make a hole in your budget.
Do you want to calculate your CASCO policy, and even online, without leaving your home or taking advantage of a short break from work? Great! Enter your data into special form windows and get instant results. The CASCO calculator on the Element company website is designed in such a way that everyone can cope with the task - an experienced Internet user and a beginner who is just beginning his steps in exploring the possibilities of the World Wide Web.
It’s up to everyone to decide for themselves how to calculate CASCO insurance for a car or use the help of insurance agency managers, but both options will give an approximate amount. In the final version, the calculation of CASCO insurance may change due to the clarification of all the data, but this, as a rule, does not differ much from the calculator and the cost it offers.
Online insurance calculation services
Modern life is so fast that sometimes it does not leave us time for long trips around the city to visit companies and resolve issues. Online insurance is an excellent option for business people or for those who value their time. In addition, the very speed of data processing already allows you to save on travel around the vast Moscow, because you can submit a request for a calculation while in the office, or while on a business trip, and even if you are sick and do not have the strength to deal with the insurance issue.
Contact the Element insurance agency and get the opportunity to make all the calculations in any place convenient for you!