Up to what age is the owner of the car allowed insurance. The minimum term of OSAGO insurance. Term life insurance in case of death

Has in its line of proposals for the CASCO program for used vehicles. According to established practice, most insurers are ready to issue a policy of voluntary car insurance for cars up to a maximum of 7 years old, in relation to domestic transport, and up to 10 years old, in relation to foreign cars (does it make sense to insure a car over 10 years old under CASCO, and where this can be done, find out).

These programs are full-fledged products of voluntary car insurance. They even have an option without car depreciation, which is extremely important for older cars.

Due to the growing demand for voluntary insurance used cars, a number of companies are ready to insure vehicles up to 12 years old under the CASCO program, but at the same time, these insurers set additional conditions that are not always beneficial to policyholders.

Cars older than 12 years deserve special attention. Some companies are ready to insure them, but at the same time they oblige them to undergo an appraisal examination market value and only on its basis will they offer to conclude an individual contract. The cost of such a CASCO will be very high, so resorting to such insurance products it costs only in relation to cars of the “retro” category, which have not only functional, but also historical value (we talked about the average cost of CASCO policies in Russia in, and you will learn about where you can buy insurance cheaply).

What's the difference between used car rates?

There is a popular belief that the older the car, the higher the cost. insurance policy for him. This is not entirely true. really growing every year machine operation, but it is not the only variable in the formula.

There is also the insurance cost of the vehicle, and, due to natural reasons, it decreases every year.

Attention: For these reasons, it is impossible to say unequivocally whether a policy for a used car will be more expensive or cheaper than a similar model, you always need to make an individual calculation.

In addition to the basic variables, the following factors may affect the cost of a CASCO insurance policy:

whether protection is required;
whether there are anti-theft systems and how reliable they are;
general driving experience of the insured;
accident-free driving experience of the insured;
other parameters that affect the plug-in options.

Also, do not forget that there are CASCO programs adapted for "age" cars.

Insurers fight for each client, so they are ready to offer very interesting programs that will be inexpensive for the policyholder and cover his individual needs.

A number of insurers are ready to offer insurance covering only one insured event in billing period or similar conditions.

If we talk about the specific cost for used cars, then here we can give an example of a basic voluntary car insurance policy, since any other programs require a large number of variables and it is almost impossible to calculate them manually.

Example! Let's take a car produced in 2013, which cost 800 thousand rubles. In the year of the initial purchase, its CASCO rate was 6%, which formed the cost of the insurance contract in the amount of 48 thousand rubles. After 4 years, the market value of similar cars began to be 150 thousand rubles. For cars of this age, the basic CASCO tariff is 12%, and the price for a voluntary insurance contract will be 18 thousand rubles.

Take advantage of our online calculator for calculating CASCO online in 16 insurance companies. Discount up to 50% of the cost of the policy for careful drivers. Accurate Price Guarantee!

Conditions for vehicles older than 7 years

Insurance companies are very reluctant to take out insurance under the CASCO program for old cars. In the understanding of insurers, an old car is a domestic car older than 7 years and a foreign car older than 10 years.

At the same time, due to the potential profitability of policies for these cars, some insurers still offer standard voluntary vehicle insurance packages, but at overpriced prices. For some insurers, the basic cost of insurance can reach up to 20% of the market value of the car.

In addition to the overpriced tariff, insurers set additional conditions that reduce their financial risks:

payment only for non-original spare parts when repairing a car after an accident;
mandatory, limiting relatively minor damage (we talked about whether such insurance is beneficial for the car owner);
the ability to apply repair parts, instead of replacement, if possible.

Reference: Separately, it is worth noting collectible cars. Usually these include vehicles manufactured before the 50s of the 20th century. For such machines, insurers develop individual rates. The cost of such CASCO policies is very high.

How to buy a policy at a discount?

Every owner of a used car wants to save on insurance. At the same time, he understands that it is difficult to do without the realities of the country, since not all situations on the roads depend on him. At the moment there are several legal ways for a used car.

Option 1

In general, CASCO for a used car is a convenient financial instrument, which is available to every vehicle owner. In some cases, the cost of such an insurance contract can be high, but there are always options to reduce it by agreeing to certain conditions, which, in turn, can even become a plus for certain groups of insurers.

According to statistics in the territory Russian Federation 63% of citizens buy used cars. Is it possible to apply for a CASCO for a used car?

Dear readers! The article talks about typical solutions legal issues but each case is individual. If you want to know how solve exactly your problem- contact a consultant:

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What are the features of voluntary car insurance for used vehicles? How much does CASCO cost for an old car? Read on.

Is it possible to issue

Before considering car insurance for older vehicles, it is necessary to determine which vehicles fall into this category.

On average, "old" cars include:

vehicles of domestic production, produced more than 7 - 8 years ago;
foreign-made vehicles manufactured more than 9-10 years ago.

Can I get a CASCO insurance policy for old cars? The rules of voluntary auto insurance are established by insurance companies independently.

That is, you can get an answer to this question only by familiarizing yourself with the rules of the selected insurance company.

Some organizations impose restrictions on the age of insured movable property.

For example, in the company Ingosstrakh, which occupies a leading position in CASCO in the Russian Federation, you can insure cars no older than 10 years, and in the company VSK - no older than 8 years.

How do CASCO rates for old cars differ?

Many car owners believe that CASCO auto insurance for an old car will cost much more than for a new one. vehicle. However, practice shows that this is not entirely true.

The main components of the cost of a voluntary car insurance policy are:

company rates;
the sum insured, that is, the market value of the car.

The rates of insurance companies depend on the age of the vehicle. On average, you can insure a new car for 5% - 8% of the market value of vehicles. For old cars average cost insurance increases to 13% - 20% of the market price.

The cost of the car before the conclusion is determined appraisal company based on wear rates.

Over 10 years of operation, natural wear and tear is approximately 50%, which reduces the sum insured by half.

Let's take a look at these factors with an example.

Suppose a new car is worth 860 000 rubles. The cost of CASCO in the insurance company for this model is 7%. That is, you can buy auto insurance at a price 60 200 rubles.

A car of the same brand that has been in use for 10 years will cost a maximum 860,000/2 = 430,000 rubles(less in practice). CASCO insurance is provided at a rate of 13%. The cost of the policy will be 55 900 rubles.

It should be noted that the cost of CASCO is affected not only by the company's tariffs and the amount of the sum insured, but also by other factors:

list of insurance risks;
period of insurance;
list of additional services;
franchise size and so on.

Is there any benefit to getting a policy for a car older than 5, 7, 10 years

Is it profitable to purchase CASCO for cars that are more than 5 years old? There is no single answer to this question.

When determining the benefits of voluntary car insurance, it is necessary to take into account:

the cost of the CASCO insurance policy. Many Insurance companies offer various programs of voluntary auto insurance, which allows the car owner to choose the most optimal insurance product for himself at an affordable cost. For example, CASCO 50x50;
sum insured. The amount of the maximum insurance payment depends on the sum insured. Whether there is enough compensation for the repair of a particular car, it is necessary to decide on an individual basis;
insurance conditions. Essential conditions are: insurance risks against which the policy protects, the choice of an organization for refurbishment in case of damage, the installation of new (used) parts during repairs or cheaper analogues, the amount of the deductible (the amount by which the amount of insurance payment is reduced), and so on;
rules for determining the degree of wear of a vehicle and its impact on insurance premiums. For example, if the depreciation of the car is 70%, then it will be possible to receive compensation for damage only in the amount of the remaining part, that is, 30%.

Thus, it is possible to determine whether CASCO auto insurance for a used car is beneficial only after comparing all the conditions of voluntary vehicle insurance offered by a particular insurance company.

Features of repair after an insured event of old and new cars

An insurance payment in the form of a restoration repair will be made if the situation that caused the damage is recognized by the insurance company as an insured event.

The amount of repair work is determined by the results of the examination and consists of the following components:

cost of spare parts to be replaced;
the cost of additional materials (primers, oils, paints, and so on);
the cost of work.

The maximum amount allocated by the insurance company for repairs cannot exceed the sum insured established by the contract, that is, if the cost of the car is 150 000 rubles, then the amount of maximum compensation can be 150 000 rubles.

In connection with the above factors, we can conclude that the amount of insurance payment for the repair of an old car is not enough to fully restore the vehicle. The remaining cost of the repair is paid by the insured himself.

Lack of insurance payment for a full repair damaged car mobile can also occur in the following situations:

the contract for voluntary car insurance is concluded with the condition of applying the deductible when calculating the insurance payment. In most cases, a deductible of 3% - 5% when insuring old cars is a prerequisite, as it helps to reduce the losses of the insurance company;

However, the car owner of the damaged car will have to pay the missing amount from his own funds.

on insurance contract the amount of compensation for damage is determined taking into account wear and tear motor vehicle. Depreciation, depending on the rules of the insurance organization, can be determined monthly or daily.

For the policyholder, the daily calculation of depreciation is considered more profitable, since in case of damage received at the beginning of the month, the depreciation will be less.

Another significant difference between the repair of new and old cars is the choice of a repair organization:

if the new vehicle is under manufacturer's warranty, then repair work can be carried out exclusively at the dealership;
old vehicles are repaired in companies that are partners of the insurance organization (informal service station).

How to save

Is it possible to save money when buying a policy for a used vehicle?

Currently, there are several options for reducing the cost of the policy:

registration of partial CASCO with a small list of insurance risks. Since the risk of theft of an old car is much lower than the risk of damage, it can be excluded from the insurance policy. Also, the insurance policy may not include the risks of collision with stationary objects, falling stones, and so on;
inclusion in the list of drivers of persons with extensive driving experience;
choosing a special auto insurance program. For example, the 50 to 50 program is designed for experienced drivers. The essential difference between the program and other insurance products is the initial payment of half the cost of the policy;

If insured events did not occur within the agreed period, then the second part of the cost does not need to be paid.

concluding a contract for auto insurance using a franchise;
installation of an anti-theft system.

Which companies can register a car older than 10 years

To purchase CASCO for a car that is more than 10 years old, you can contact the following insurance companies:

Name of the insurance company

Name of the insurance program

Essential conditions of CASCO car insurance for cars older than 10 years

- Alpha;
— Alpha Business;
– Alpha All Inclusive

— the list of insurance risks depends on the chosen auto insurance program;
– CASCO policy can be purchased in installments;
– the policy is issued exclusively at the office of the company and only after inspecting the car ( online clearance available on cars not older than 7 years);
– minimum deductible – 5%;
— the policy applies only to the territory of the Russian Federation

The insurance product is determined individual conditions

- you can issue a full or partial CASCO. The list of the most likely risks is determined individually;
— wear of the car is determined daily;
- the amount of the deductible is determined independently by the insured. It is possible to conclude a contract for auto insurance without a franchise;
- payment of the cost of the policy in installments is possible

Selected individually

– you can issue a full or partial CASCO;
— insurance payment is calculated without taking into account depreciation;
– glass and mirrors, as well as the bodywork, can be repaired without certificates, provided that no more than 3% of the maximum insurance amount is required to eliminate damage;
– application of a franchise by prior agreement

Compiled individually for each client

— the deductible is not a prerequisite for voluntary auto insurance;
— the list of insurance risks is determined for a particular insured;
— payment of the policy can be made in installments;
– additionally, without a separate fee, we provide: round-the-clock telephone support, tow truck, storage awaiting repair

Renaissance Insurance

- "12 months";
— CASCO for confident drivers

— any list of insurance situations;
- application of a franchise in minimum size 3%;
- non-aggregate insurance payments, that is, the amount of compensation does not depend on the amount of amounts previously paid under one contract;
- payment by installments;
- The following options are additionally included in the policy:
technical assistance in the amount of not more than 3,000 rubles;
tow truck in the amount of up to 10,000 rubles;
still (no more than 2,000 rubles);

OSAGO is a policy compulsory insurance civil liability for owners of vehicles (TC). With the help of OSAGO, you can compensate for the damage that was caused to the car and other participants in the accident. Minimum term OSAGO insurance depends on the vehicle category.

Having insured your civil liability with the help of OSAGO, you will get rid of the worries of compensating the damage caused to the victims. Your insurance company will take care of the compensation.

Minimum OSAGO period

To determine the minimum period of OSAGO insurance, you need to set the category of the vehicle. Each category has its own minimum term for motor insurance. There are 3 categories of vehicles: vehicles registered in the territory of another state and entered the territory of the Russian Federation; Vehicles entering the territory of Russia in transit; Vehicles permanently operated on the territory of the Russian Federation.

According to the current legislation, the minimum period of auto third party liability insurance in 2020 is three months.

The shorter the term of insurance, the cheaper it will cost the owner of the vehicle. To calculate the cost of a policy for several months, the coefficients indicated in the table are used:

Insurance period, months (total per year)	Cost from annual insurance or term coefficient (Kc)
3	0,5
4	0,6
5	0,65
6	0,7
7	0,8
8	0,9
9	0,95

Additional Information:

It is more profitable to purchase a compulsory insurance policy for the whole year at once. Insurance for several months will cost more.
The price of annual car insurance corresponds to the figures indicated in the policy and does not change during the year, even if the price of insurance increases. When applying for a policy for a short period, be sure to find out the cost of annual OSAGO insurance. It is always possible to make insurance for several months and pay extra only if necessary to extend the period of use.
The insurance period is divided into several parts. Thus, when making an application, you can paint the entire insurance year in advance (two months in winter, a month in summer, three in autumn, etc.). When paying, only the total number of months in a calendar year is taken into account.

OSAGO validity period

Owners of a vehicle registered in another country and temporarily located on the territory of the Russian Federation (for a period not exceeding two weeks) must purchase a policy for 5 or 15 days.

Cars going to the place of permanent operation and cars going to the technical inspection point (PIK) must be insured for a period of 20 days. If the owner of the vehicle after this period does not issue a permanent OSAGO policy, he will be forced to leave the territory of the Russian Federation.

For other cars operated on the territory of the Russian Federation, the term of the compulsory car insurance contract is one year. Please note that the insurance year is not always equal to the calendar year.

The provisions described above apply only to car owners who regularly operate their vehicle. If the vehicle has been operated for less than a year, OSAGO is issued for more than short term . The cost of insurance will be reduced by a proportionate amount.

Method of calculating insurance for a shorter period

Insurance companies prefer to sell insurance for a full period (1 year), which is why “short” insurances are more expensive when calculated for a year. Thus, in order to get insurance for 3 months, a motorist will need to pay 50% of the annual cost of OSAGO, and 6 months will cost 70% of the cost. The purchase of OSAGO for 10-11 months will cost the cost of one "full-weight" year.

How to extend the period of use of OSAGO

The annual cost of an OSAGO policy is a constant value. By general rule, the compulsory auto insurance contract is always concluded for one year - this information is indicated in the upper right corner of the policy.

If the vehicle is to be sold, it is insured for a minimum period. This step allows the car owner to significantly save money.

If for some reason the sale does not take place, insurance can be extended until the end of the policy year. For the remaining 9 months, you will need to pay half the annual cost of OSAGO (the same as for the first 3 months). Thus, having paid 0.7 annual OSAGO for the first 6 months, for the next you will pay 0.3 annual insurance.

How to save on OSAGO policy

OSAGO rules do not provide for the payment of civil auto insurance in installments. But the driver can pay for insurance in stages as follows: make an initial payment for 3 months (0.5 annual insurance), extend the policy for 3 months (0.2 annual insurance), and then pay 0.3 of the annual amount for the remaining 6 months.

Do not forget to extend the period of use of insurance in advance. Otherwise, you will be fined with an increasing term coefficient (Kc).

Penalty for driving a vehicle during the period of use not covered by the OSAGO policy

For driving a car in a period not covered by the OSAGO policy, you can be fined 500 rubles. A more severe punishment follows for failure to comply with the requirement to insure under OSAGO. You will be fined for not having an OSAGO agreement for 800 rubles.

If a traffic accident occurs during the non-insurance period, the insurance company will pay the victim part of the damage, after which it will present a recourse claim to the unscrupulous insured and demand reimbursement of its expenses.

Conclusion

So, for how long can you apply for OSAGO? The car owner can conclude an OSAGO agreement for a limited time period (the minimum period is 3 months). insurance premium for the initial months is calculated with a multiplier, and the policyholder has the right to extend the period of use for any number of months - paying extra for them until the end of the policy. total cost motor third party insurance is always the same and does not change throughout the year.

Today, when a healthy lifestyle, proper nutrition, surgical interventions for the benefit of beauty are so popular, it is difficult to define an elderly person.

The aging process is different for every person. The number of years lived does not yet determine the degree of old age. Someone at the age of 70 is in good health and a clear mind, while someone at the age of 50 cannot boast of this.

It is important to understand that older people are age group, which has specific features, needs, interests and value orientations.

However, referring to the current legislation of the Russian Federation, pensioners include persons who have reached retirement age: women - 55 years old, men - 60 years old.

Prerequisites for insurance

Recently, in Western countries, the term “third age” has become relevant, in other words, this is the very active period of a person’s life that begins with retirement. It is at this time that people travel the most, attend exhibitions and concerts held in other cities and even countries, acquire hobbies and new interests.

However, one should not forget about such a concomitant factor of the "third age" as trauma.

If a young person’s case is often limited to bruises or abrasions, then older people get serious injuries and fractures during a fall, which can seriously turn their whole lives upside down and lead to disability.

Rules for insuring the elderly with insurance companies

Agreement

Russian standard

Arsenal

VTB Insurance

Ingosstrakh

Alpha Insurance

RosGosStrakh

Reso Warranty

Renaissance

Sberbank Insurance

Tinkoff

Possible risks arising during travel

In the insurance contract for the elderly, one of key points are the risks in which your insurance policy will cover the costs associated with first aid (in this case, the costs of transport, ambulance or medical aircraft, depending on where the insured will be at the time of deterioration of health).

As practice shows, there are mainly risks associated with increased traumatism of elderly insured persons, namely:

bruises, fractures, cuts;
deterioration of digestion due to a change in the quality and diet.
exacerbation of chronic diseases
blood pressure instability
strokes and heart attacks.

The price of an insurance policy and factors affecting it

To date, not all insurance companies accept clients over 65 years old for medical insurance when traveling abroad. The issuance of this policy is very risky for the insurer itself, since this procedure has a stable relationship with high risks associated with the health of the insured person.

In fact, insurance for the elderly when traveling abroad is health insurance. However, medical insurance in most agencies is considered a mandatory type of insurance when buying a tourist tour and is several times cheaper.

Tariffs for the insurance of the elderly in comparison with the tariffs of other types of insurance have been increased several times based on the fact that the elderly represent a group with an increased risk for insurance companies due to high level mortality.

It should also be noted that the older the person, the greater the coefficient, for example: for persons aged 65-69 years old coefficient is applied 1.75 from the tariff, and aged 70-74 years old - 2.25. Over 74 years old the risk of refusal to purchase an insurance policy in the post-Soviet space is increasing up to 80%. This is due to the underdevelopment and lack of demand for insurance for the elderly in the above states.

What do I pay money for or insurance coverage

Subject to the onset insured event, the senior citizen policy will cover:

first aid;
the costs of medicines provided and prescribed by a doctor in the provision of first aid;
in individual cases the insurance policy will cover the cost of inpatient treatment.

If during the examination it turns out that a sharp deterioration in the health of the insured requires surgery, which, for a number of reasons, will not be provided in the country where the unfortunate person ended up during the trip, then the elderly person’s insurance policy will cover the costs of evacuating him to the country permanent residence with medical support.