For every car owner who decides to purchase a policy, the CASCO online 2019 insurance calculator will serve as an extremely useful tool. However, in order to talk about what exactly the calculator is useful for, let's talk about what is CASCO.
Where did CASCO come from? Calculate CASCOIn our country, it was in the last five years that the real peak of the popularity of casco insurance fell. This popularity is due to the fact that commercial banks began to issue affordable loans for the purchase of a car. However, in order to obtain a profitable car loan, the borrower must provide a CASCO policy.
Some pranksters-drivers decipher the term CASCO as an abbreviation of the phrase "Comprehensive Auto Insurance Except Liability". In fact, of course, this is not at all the case. The very concept of comprehensive insurance appeared not in our country, but in Europe. Today it is a generally accepted international term. It is customary for them 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 the German language, where the word "kasko" literally means a vehicle. Another version refers us to the Italian language, where the word "casco" refers to a shield or helmet. There is another version that has the right to life: the Spanish word "casco", translated meaning a skull.
This is about the origin of the word. But as an insurance term, the concept of CASCO arose much earlier than it is commonly thought. In the 15th century in Spain, the owners of fishing vessels, who suffered greatly from pirates, were simply forced to unite and create the first mutual aid funds. It was from these offices that vehicle insurance appeared over time.
It is generally accepted that CASCO is insurance of vehicles against theft and damage, but the insurance policy offers much more: insurance additional equipment, as well as the life and health of the driver and passengers. A number of insurance companies also include the DOSAGO agreement ( Voluntary Insurance Civil liability). There are dozens of such companies today, and each is ready to offer its own conditions, various programs, tariffs. To understand how the contracts can differ from each other, how to choose the best one and not lose the quality of services, you need to familiarize yourself in detail with what an auto hull is.
What determines the price of CASCO? Calculate the cost of CASCO online
If you want to know the price, you will be helped by the casco calculator 2019 online calculation of the cost of the policy, in which you need to enter data about a specific vehicle, as well as select options insurance policy... The price depends on the age of the car, make and model, but the choice of options also affects the total 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 one will compensate for its cost in case of theft. The price difference between these two types of policies in one insurance company can be up to 40%.
Franchise: The presence of a deductible allows you to reduce the cost of the policy.
Sum insured : Can be diminishing (aggregate) or non-decreasing (non-aggregate). Aggregate insurance is cheaper for the client, since after each payment under the contract, the amount of the insured becomes less. The insured amount is the amount from which the compensation for damage in insured events is paid.
How to get insurance: At his own choice, the client can choose the service station recommended by the insurance company, or choose the service station himself, or receive the amount in cash. If you agree with the choice of the service station of the insurance company, such a policy will be the cheapest. The two remaining options will increase the price of the policy.
Payment is made: With or without wear. The choice of the option "without taking into account" will allow when insured event receive compensation that will allow you to replace a damaged part or the entire car, but such a choice immediately increases the cost of insurance up to 20%.
Age and experience of the drivers included in the contract: The cost of the policy increases in proportion to the decrease in the age and driving experience of the drivers entered into the contract. Sometimes the cost of a multidrive policy (there are no restrictions on the number of drivers allowed to drive this vehicle) is cheaper than a policy in which several young drivers are entered.
Other important factors that seriously affect the final cost of the CASCO policy are:
Payment by installments under the contract... Always increases the cost of the policy. The cheapest way is to pay for the policy immediately. But you can also choose payment by installments, 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 are introducing 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 - calculator online 2019
At the choice of the client, most insurance companies offer CASCO from theft, from damage, from damage and theft. Units offer insurance against theft only (SK RESO). It only makes sense to choose insurance against damage only when the car does not belong to the category of often stolen, and in the absence of the driver is in a guarded parking lot or in a personal garage. In all other cases, theft insurance is a justifiable measure.
What is a Franchise?In fact, a deductible is a part of the insurance indemnity that is not paid under the contract. It can be conditional and unconditional, and in the contract it can be spelled out as a percentage of the insured amount or in the form of a specific amount.
The conditional deductible determines the minimum amount of damage. If the damage received is less than this amount, compensation is not provided under the contract. An unconditional deductible is the amount by which the payment will decrease in the event of an insured event.
For a driver who wants to receive compensation for damage from even the smallest accident, a contract without a deductible is suitable. For experienced drivers who do not get into minor accidents, it is more profitable to calculate CASCO online with a franchise in order 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 of policies offered by various insurance companies. We remind you that the calculator serves only to calculate CASCO, but does not protect you from "surprises" in the contract, therefore, before buying a policy, you must carefully read all the conditions. Most often, a "surprise" can await the client in the following clauses of the contract:
- Car storage conditions at night. This clause is not spelled out in every contract, but it may require the policyholder, upon the occurrence of an insured event, to provide supporting documents that at night the car was in a guarded parking lot.
- The contract must necessarily formulate the concepts of "hijacking", "damage", "theft", "loss of a car". If this is not the case, the company will be able to use this gap to lower the amount of insurance compensation upon the occurrence of an insured event.
- The section of the contract, where all cases are indicated in which insurance compensation not provided. You should read this list very carefully. Sometimes it includes such types of damage that, in the opinion of the driver, require compulsory compensation.
- Duties of the parties. Another item that needs the most careful study, since it is in it that the conditions for notifying the insurance company about an insured event that have occurred are spelled out. Failure to comply with these conditions, enshrined in the contract, will be a good reason for refusing insurance compensation.
Now you know everything about how the policy is calculated, an online casco calculator for all insurance companies will help you. What insurance company choose, and which one - it's up to you, and our task is to help you make a profitable purchase! Use our online CASCO insurance calculator 2019 and make your choice!
Calculating the cost of comprehensive insurance online with Revizorro is easy. Just fill out a convenient form, entering information about your car, about yourself and authorized drivers, and get a comparison of the cost of comprehensive insurance policies in different insurance companies.
How to calculate the cost of comprehensive insurance?
To find out the cost of auto hull insurance for your car, you need to provide some information about you, your car and start calculating. In a few seconds, you will see offers from several insurance companies, selected especially for you. The following data must be entered:
- Car make and model
- Year of issue and cost
- Driver's age and experience
- Registration city
How the cost of comprehensive insurance is formed
Insurance companies form tariffs on the basis of the Civil Code of the Russian Federation, Laws dated November 27, 1992 N 4015-1 "On the organization of insurance business in Russian Federation"And dated 7.02.1992 N 2300-1" On the protection of consumer rights. " There is no special law on Casco. When calculating the cost, insurers take into account:
- The actual market value of the vehicle at the time of insurance
- Brand and model vehicle
- The amount of insurance payment
- Availability in the policy additional services: car lawyer, tow truck
- Availability of a franchise
- KBM for the previous policy
- The popularity of the car brand in the list of the most stolen cars
The cost of the policy depends on all these factors and on average varies within 2-6% of the market price of the car. To calculate Casco online, use our calculator.
How to save on casco insurance
Get a franchise. Deductible in Casco - the amount of insurance payment, which during an insured event is paid by the owner of the car. To save money, pay part of the insurance, which, during the insured event, compensates for the damage starting from a certain amount.
Example: you paid 5,000 rubles, in case of damage up to 30,000, you repair it yourself. If a large amount of repair is needed, the insurance will reimburse it.
Buy a casco 50/50. When buying a policy, pay 50 percent of its cost, pay the rest half upon a complex accident. You save money if you don't have an accident.
Protect your car only from theft. If your experience of trouble-free driving exceeds 5-7 years, issue a policy only against theft. It will cost 70-80% less.
Set up an alarm. If the car is not equipped with alarm systems, the cost of insurance will increase by 10-15%. To save money, install alarms and add mechanical protection systems.
Refuse to repair. Some UK offer to pay only for parts damaged during an accident. You can choose a service station yourself cheaper than the insurer offers.
Remind SK about seniority discounts. For every year of driving without accidents, you are entitled to a 5% discount. Remember to tell this to your insurer.
Take advantage of promotions and special offers. See which UK offer discounts. To compare offers, use our calculator.
Why is it worth using our calculator when calculating Casco
- Saving time. The service provides data on prices of insurance companies in 60 seconds. You do not need to waste time on independent calculations.
- Exact data. The calculator takes into account all currently known coefficients and rates, eliminates errors and works on any day of the week.
- Analysis of the advantages and disadvantages of each SK. The service will show all the options offered by insurance companies. You can decide for yourself whether to keep them or remove them. The calculator will not impose unnecessary services.
- Ordering insurance without unnecessary transitions. On the results page, you can immediately select a suitable insurer and issue a policy.
As for the second point regarding expenses, it should be noted that salons that sell cars often offer to issue a certain policy, CASCO is among them. The calculation of this type of insurance largely depends on the specific insurance company offering the policy, the make of the car and the power of its engine. The regional location of the vehicle is also of great importance, since the same model in different cities of Russia has a different insurance price.
CASCO against theft
Among several existing CASCO policies, the most reliable of them is recognized as "full", the only drawback of which was the overpriced. Such an insurance package fully covers the future costs in the event of any unpleasant situation, even an attempt or theft or even death of the victim. Such a package costs differently in different regions.
What you need to consider when concluding an insurance contract:
- it is imperative to prescribe the period of notification of the insurance company, up to the number of hours;
- to enter all expected users of the machine.
About the franchise
A deductible should be understood as a certain amount that must be repaid by the owner of the policy, the rest of the amount is assumed by the insurance company (with a "conditional deductible", the entire amount is paid by the IC; if the amount specified in the contract is exceeded, the insurance company will not pay anything, but if the damage exceeds 5 thousand the insurance will pay in full without deducting the deductible). This amount should be negotiated when concluding the contract itself, which will help to correctly calculate costs and / or additional payments.
Difference between OSAGO and Rosgosstrakh
Many motorists have a question: "What is the difference between OSAGO and Rosgosstrakh?"
- Under OSAGO is an insurance policy justifying the payment of insurance payments in the event of an insured event (traffic accident, complete loss of a car, etc.), guaranteeing protection against theft, damage caused by third parties, road accidents, deaths, etc.
- Rosgosstrakh should be understood as an insurance company offering a purchase different types insurance policies, and OSAGO including. The abbreviation RGS is applied to the company, which, however, is consonant with the name of the grenade launcher.
Online calculation of CASCO for all insurance companies
As mentioned above, for some regions, cities in insurance companies, the prices for insurance of even one model can be very different. Therefore, before purchasing a policy, you should monitor the prices of all ICs in a particular region / city and choose the most optimal option for yourself. This can be done using services that provide online calculators. You only need to enter the requested data (vehicle brand, its mileage, driving experience, etc.) and the online CASCO calculator 2017 will calculate. Some services offer their services without special registration or by phone. Below is one such calculator.
CASCO calculator 2017 online calculation of the cost of the policy:
| Vehicle owner | Individual Entity |
| Place of registration of the owner of the vehicle | Moscow city and settlements Moscow region St. Petersburg cities and towns of the Leningrad region. Abakan Azov Aleksandrov Aleksin Altai region Almetyevsk Amursk Amur Region Anapa Angarsk Anzhero-Sudzhensk Apatity Arzamas Armavir Arseniev Artem Arkhangelsk Arkhangelsk region Asbestos Astrakhan Astrakhan region Achinsk Barnaul Blagoveshchensk Balakovo Balakhna Balashov Bataysk Belgorod Belgorod Region Belebey Belovo Belogorsk Belorechensk Berdsk Berezniki Berezovsky Biysk Birobidzhan Bor Borisoglebsk Borovichi Bratsk Bryansk Bryansk Region Bugulma Buguruslan Budennovsk Buzuluk Buinaksk Velikie Luki Veliky Novgorod Verkhnyaya Pyshma Verkhnyaya Salda Vladikavkaz Vladivostok Vladimir Vladimirskaya obl. Volgograd Volgograd region Volzhsky Vologda Vologda region Volgodonsk Volzhsk Volsk Vorkuta Voronezh Voronezh Region Votkinsk Vyksa Vyshny Volochek Vyazma Gelendzhik Georgievsk Glazov Gorno-Altaysk Gubkin Gukovo Gus-Khrustalny Derbent Dzerzhinsk Dimitrovgrad Jewish Autonomous Region Yeysk Yekaterinburg Elabuga Yelets Essentuki Efremov Zheleznogorsk Trans-Baikal Territory Zarechny Zarinsk Zelenogorsk Zelenodolsk Zlatoust Ivanovo Ivanovo Region Izhevsk Inta Irkutsk Irkutsk Region Ishim Ishim Ishimbay Yoshkar-Ola Kabardino-Balkarian Republic Kazan Kaliningrad Kaliningrad region Kaluga Kaluga region Kamensk-Uralsky Kamensk-Shakhtinsky Kamyshin Kamchatka Territory Kanash Kansk Karachay-Cherkess Republic Kaspiysk Kemerovo Kemerovo Region Kimry Kineshma Kirov Kirov region Kirovo-Chepetsk Kiselevsk Kislovodsk Klintsy Carpets Kogalym Komsomolsk-on-Amur Kopeysk Kostroma Kostroma Region Kotlas Krasnodar Krasnodar Territory Krasnoyarsk Krasnokamensk Krasnokamsk Krasnoturyinsk Krasnoyarsk Territory Kropotkin Krymsk Kstovo Kuznetsk Kuibyshev Kumertau Kungur Kurgan Kurgan Region Kurganinsk Kursk Kursk region Kyzyl Labinsk Leninogorsk Leninsk-Kuznetskiy Lesnoy Lesosibirsk Livny Lipetsk Lipetsk region Liski Lysva Magadan Magadan Region Magnitogorsk Maykop Malgobek Makhachkala Mezhdurechensk Meleuz Miass Mineralnye Vody Minusinsk Mikhailovka Mikhailovsk Michurinsk Monchegorsk Murmansk Murmansk region Murom Mtsensk Naberezhnye Chelny Nazarovo Nazran Nalchik Nakhodka Nevinnomyssk Neryungri Neftekamsk Nefteyugansk Nizhnevartovsk Nizhnekamsk Nizhny Novgorod Nizhny Novgorod region Nizhny Tagil Novgorod region Novoaltaisk Novokuznetsk Novokuibyshevsk Novomoskovsk Novorossiysk Novosibirsk Novosibirsk region Novotroitsk Novouralsk Novocheboksarsk Novocherkassk Novoshakhtinsk Novy Urengoy Norilsk Noyabrsk Nyagan Obninsk Ozersk Oktyabrsky Omsk Omsk Region Oryol Oryol region Orenburg Orenburg region Orsk Osinniki Otradny Pavlovo Penza Penza Region Pervouralsk Perm Perm Territory Petrozavodsk Petropavlovsk-Kamchatsky Pechora Polevskoy Primorsky Territory Prokopyevsk Cool Pskov Pskov Region Pyatigorsk Revda Republic of Adygea Republic of Altai Republic of Bashkortostan Republic of Buryatia Republic of Dagestan Republic of Ingushetia Republic of Kalmykia Republic of Karelia Republic of Komi Republic of Mari El Republic of Mordovia Republic of Sakha (Yakutia) Republic of North Ossetia-Alania Republic of Tatarstan Republic of Tyva Republic of Khakassia Rzhev Roslavl Rossosh Rostov-on region Rubtsovsk Ruzaevka Rybinsk Ryazan Ryazan Region Salavat Salsk Samara Samara region Saransk Sarapul Saratov Saratov region Sarov Satka Safonovo Sakhalin Region Sayanogorsk Sverdlovsk region Free Severodvinsk Severomorsk Seversk Serov Sibay Slavyansk-on-Kuban Smolensk Smolensk Region Solikamsk Sochi Spassk-Dalny Stavropol Stavropol region Stary Oskol Sterlitamak Surgut Syzran Syktyvkar Taganrog Talnakh Tambov Tambov region Tver Tver region Timashevsk Tikhoretsk Tobolsk Togliatti Tomsk Tomsk region Troitsk (Chelyabinsk region) Tuapse Tuymazy Tula Tula region Tulun Tyumen Tyumen region Udmurt Republic Uzlovaya Ulan-Ude Ulyanovsk Ulyanovsk region Usolye-Sibirskoye Ussuriysk Ust-Ilimsk Ust-Kut Ufa Ukhta Khabarovsk Khabarovsk Krai Khanty-Mansiysk Khasavyurt Chaikovsky Chapayevsk Chebarkul Cheboksary Chelyabinsk Chelyabinsk region Cheremkhovo Cherepovets Cherkessk Chernogorsk Chechen Republic Chistopol Chita Chuvash Republic Chukotka Autonomous Okrug. Chusovoy Shadrinsk Shelekhov mines Shuya Shchekino Elista Engels Yuzhno-Sakhalinsk Yurga Yakutsk Yaroslavl Yaroslavl region Yartsevo Foreign country Follows to the place of registration |
| Vehicle use period | 10 months or more 9 months 8 months 7 months 6 months 5 months 4 months 3 months 10 months or more 9 months 8 months 7 months 6 months Not required |
| Vehicle type | Passenger cars Passenger cars used in taxis Motorcycles and scooters Trucks with a permissible weight of up to 16 t incl. Trucks with a permissible weight over 16 t Buses with up to 20 passenger seats incl. Buses with more than 20 passenger seats Buses used in taxis Trams Trolleybuses Tractors, road construction and other vehicles Trailers for cars Trailers for trucks Trailers for tractors, road construction and other machines |
| Vehicle engine power | Up to 50 HP inclusive From 50 HP up to 70 hp inclusive From 70 HP up to 100 hp inclusive From 100 HP up to 120 hp inclusive From 120 HP up to 150 hp inclusive From 150 HP Not required |
| Age and experience | No restrictions Age up to 22 years, experience up to 3 years Age up to 22 years, experience over 3 years Age over 22 years, experience up to 3 years Age over 22 years, experience over 3 years Not required |
| The contract is concluded | First time Second time Third time Fourth time Fifth time Sixth time Seventh time Eighth time Not required |
| CTP policy price: |
CASCO repair
Renaissance Insurance
If you are a client of the company and a member of the Renaissance Club, then the agreement on CASCO is very fast, interaction by e-mail and the answer to the OD from the insurance company came 2 days after my letter. Unfortunately, the service station pumped up and delayed the repairs, but again after I applied to the Renaissance, I was provided with promotional codes for a taxi as a bonus. Was nice ...
Ivan, Moscow
I wanted to solve issues faster
Agreement
I have a CASCO policy. Got into a minor accident. Submitted documents to the insurance company and provided the car for inspection. After 5 days I received a referral from the STOA. Then I waited for spare parts in the service for 10 days. As a result, the car was repaired normally, now it is on the move, but I would like it faster.
zakhar, Moscow
CASCO repair
Good day! 05/23/2019 at the Yaroslavl railway station a barrier crashed down and damaged the car. Phoned on hotline with the insurance company (the call was answered very quickly). Explained the situation. Within minutes everything Required documents issued by phone. After 40 minutes, from the official car service I selected, they called and appointed the day of inspection of the car. Later...
Vladimir, Moscow
Windshield replacement
Renaissance Insurance
I was previously insured in intache, after that I was transferred to Rennesant since they began to work together, I have a comprehensive insurance and compulsory insurance policy in the Renaissance and, in principle, I am satisfied because I had a case of replacing the windshield, turned, sent and replaced carglass in digging, the one that on the Moscow Ring Road, where the warm camp. The glass seems to be of good quality, but without the kia nameplate
Yuri, Moscow
quality repair on time
Agreement
I thank my manager Yaroslav, as well as the emergency commissioner for the quick arrival at the accident scene, for issuing all the necessary certificates and organizing the delivery of the car by tow truck to the service. Unfortunately (and maybe fortunately) for the second time I have already come across an insured event and repairs under CASCO are carried out efficiently and on time.
Sergey, Moscow
all ok in the end
Agreement
The side mirror was knocked off and the door in the parking lot of the shopping center was scratched. At first I was confused, I went to investigate the security service of the shopping center, demand video from surveillance cameras from them, but as it turned out they had a bunch of dead zones and nothing was recorded. Then I just thought to call the insurance company. The manager clearly and clearly told me the plan of action. It turned out to use the service immediately service. Even in offices ...
Avdeev, Moscow
everything was done as expected
Agreement
For about a month we were doing repairs to the front bumper at the service station, waiting for spare parts for a long time, but in the end we did well. Special thanks to my insurance agent from Consent, which helped to quickly draw up the documents and everything went without delay. I am pleased with the quick settlement of my case regarding the repair, but I was less fortunate with spare parts.
Igor Entin, Moscow
Cashback for hull insurance and compulsory motor third party liability insurance
Tinkoff Insurance
bought Casco + CTP on 06/08/19. the advertised cashback is not transferred to the card (I specially started a debit card) on 10.06 I called to find out when they would transfer, they answered that it was necessary to issue a CREDIT. Issued a "claim". from 10.06 sms are received. that it takes another 2-3 days to check. already 6 pieces from 11.06 to 27.06. This is the service. We paid for the repair at the service
Agreement
He insured his car in Concord. After the accident, he applied for compensation. We drew up the Euro-protocol then. I can't say there were any problems or delays, no. The only thing is that I was not paid compensation, but simply paid for repairs at the service, but actually I have nothing against it, especially since I was able to choose the service myself. The work was done in 5 days and this is taking into account the delivery of parts ...
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TERMS OF APPLICATION OF DISCOUNTS
Reducing coefficient "For transfer from another insurance company", "The insured is married", "Discount by promotional code" is applied only for light vehicles.
To obtain the right to the reduction coefficient "For transfer from another SK", the maximum break in insurance between an expired policy and a new one is 30 days, provided that the same vehicle is insured.
The policyholder under the concluded contract must be the same as the policyholder under the previous policy of another insurance company. The correction factor can be changed depending on the number of years of trouble-free driving.
The coefficient "For transfer from another insurance company", "The insured is married", "Discount by a promotional code" is applied only to the calculation of the insurance product "EuroCasco", and is not applied to the calculation of the premium on the product "Optimal CASCO", "Franchises from the second case", "More than hull insurance", "Accurate driver", "Not guilty."
The client is obliged to provide copies of the policy of another insurance company and an application for break-even insurance in another insurance company (a sample is provided at the Zetta Insurance office) during a visit to the office to issue a policy in LLC Zetta Insurance.
Correction factors are not cumulative.
If there is a possibility of applying several reducing coefficients "For transfer from another insurance company", "The insured is married", "Discount by a promotional code", the lowest is applied.
Zetta Insurance reserves the right to revise the conditions for applying the reduction coefficient "For transfer from another insurance company", "The insured is married", "Discount by a promotional code" to the client without prior notice, as well as refuse to conclude a CASCO policy without explaining the reasons.
Cheaper with Zetta Insurance!
You can save a lot if you meet the following conditions:
Save up to 15% on your anti-theft device *
The presence of additional security systems or an anti-theft complex in the car will save up to 15% on insurance.
Save up to 40% for choosing a franchise *
One of the simplest and most profitable ways to save on hull insurance is a franchise. By purchasing CASCO with a franchise, you get reliable protection against the most serious troubles and the opportunity to save from 15 to 40% of the cost of the policy. In some cases, the deductible can be easily canceled by paying an additional small amount at a convenient time for you.
Save up to 40% for switching to Zetta Insurance *
If your car is CASCO insured against damage in another company, belongs to the category of passenger vehicles, its age is from one to six, and the insurance gap does not exceed 30 days, we will gladly give you a discount of up to 40% depending on the period of accident-free driving.
Save up to 50% for accurate drivers *
Are you a neat driver and want to protect your car from theft and major losses? At the same time, you do not want to spend a lot on repairs if you encounter trouble on the road? Then "Neat Driver" is a product created especially for you! For just 50% of the cost of a regular Casco, you will receive reliable insurance coverage against major losses and theft. Also, if you wish, you can select the risk of "traffic accident due to my fault" and / or "traffic accident not due to my fault", no more than once a year.
Save up to 60% for experienced drivers *
Poor driving culture and poor traffic management on our roads are a serious cause for concern. That is why we strive to protect neat and careful drivers who may be harmed through no fault of their own.
To this end, we have developed an insurance program "Not to blame", focused on experienced drivers. “Not guilty” is a great opportunity to get reliable protection and save 60% of the cost of hull insurance. The program provides protection against any troubles that may occur through no fault of yours: an accident (when determining the culprit), hooliganism, fire, explosion, animal actions, natural disasters, damage during transportation, a dropped or bounced object. The program is valid for cars worth up to 2,500,000 rubles.
* The discount is understood as the correction factor "the result of the initial risk assessment" used when calculating the insurance premium.
