In the last few years, CASCO or voluntary insurance has gained enormous popularity. And this is understandable, because only this insurance can provide complete comprehensive protection against a huge number of risks. That is why today it is almost impossible to imagine buying a car without this insurance product. You can apply for it in many companies, for example, with such an experienced and reliable insurer as RESO.

The main provisions of the CASCO rules in this organization provide for the following:

• Policy prices are calculated based on the price of the insured vehicle. After payments during the term of the contract, the amount of car insurance (for risk of damage) does not decrease.
• In case of damage to certain items, for example, headlights, interior glass, there is also the possibility of compensation for expenses without providing certificates. As a rule, when calculating the amount is no more than 5% of the total value specified in the contract.
• The calculation of damage compensation, as agreed by the insured, may not include wear and tear of the vehicle or its parts.

Conditions of CASCO insurance in RESO-Garantiya

Today, the insurer offers many interesting CASCO programs, which differ in the nuances of their provision. The most popular offers are as follows:

• "RESOauto". Under this program, payments are guaranteed in case of: vehicle theft, road accident, damage resulting from a natural disaster, damage caused by third parties. This insurance also includes: vehicle repair and restoration, evacuation, roadside assistance.
• "RESOautoGAP". The program has no restrictions on the age and experience of drivers and is relevant in case of theft and total loss of the vehicle.
• "Theft." This CASCO offer is intended only against theft and differs: the service life is no more than 12 years, the issuance of a car insurance contract only after inspecting and photographing the vehicle, the mandatory installation of an additional anti-theft system.

CASCO calculator in RESO

There are numerous calculators you can use to calculate or estimate the cost of your auto insurance certificate. Prices are formed taking into account the calculation of many factors, the most significant among which are:

• Number of persons allowed to drive.
• Region where the vehicle is located.
• Reimbursement method.
• Presence or absence of a franchise.
• Availability of anti-theft systems.

Reviews of CASCO insurance at RESO-Garantiya in Moscow

We can offer our clients a full range of services, as well as a unique online calculator, with which you can make the necessary calculations in a matter of minutes, without entering contact information.

Insurance rules CASCO and OSAGO "RESO Guarantee"

Complete insurance rules

Brief rules

1. Determination of the sum insured

The agreement of the company "RESO Guarantee" applies non-aggregate insurance amounts, implying cash, within the framework of which insurers are obliged to make insurance payments for each of the insured events, regardless of their number during the insurance period. At the same time, the liability limits of the insurance company are not reduced by the amount of payments made.

After payment of insurance compensation due to damage, with the exception of payments under the conditions of “Total loss”, the insurance contract continues to be valid.

2. Regulations for the provision of insurance compensation for damage

Calculation of compensation due to damage incurred implies the exclusion of depreciation.

3. Constructive death

The rules of CASCO insurance and OSAGO "RESO Guarantee" assume the implementation of the "Total loss" condition if the cost of the required restoration repairs reaches 80% of the cost of the car, excluding depreciation at the time of concluding the insurance contract.

4. Determination of wear rates

The CASCO and MTPL insurance contract "RESO Guarantee" assumes the following procedure for calculating depreciation:

• in the first year - 20% (in the first month - 3%, in the second month - 2%, in the third and subsequent months - 1.5%);
• in the second year - 15% (including for each month - 1.25%);
• in the third and subsequent years - 12% (including for each month - 1%).

5. Deadlines for filing damage claims

Within 10 working days, policyholders are required to submit a written report of damage to the insurance company.

6. Deadlines for filing reports of theft

The insurer has set a period of 24 hours for mandatory verbal reporting of theft. In order to receive payments under CASCO, as well as payments under OSAGO at RESO Garantiya, within 3 working days, policyholders are required to submit a written report of the theft to the insurance company.

7. Period of insurance compensation due to damage

The rules of CASCO insurance and OSAGO "RESO Guarantee" provide for compliance with a 20-day period during which payments related to damage are credited to the policyholder's bank account. In this case, payments due to the destruction of a vehicle are made within 30 days.

8. Period of insurance compensation due to theft

Payments under CASCO, as well as payments under OSAGO in "RESO Garantiya" related to theft, are made within a 30-day period. To receive compensation due to the theft of a car, it is necessary to provide the insurer with all the documentation required by it, including decisions to initiate criminal cases.

9. Damage not subject to payment

Payments under CASCO at RESO Garantiya are not made in case of damage to:

• exclusively wheel group (caps, tires, wheels);
• awnings

Refusal to pay compensation also occurs due to theft of tent products.

10. Damage and expenses payable

The following expenses are subject to reimbursement:

• aimed at restoring damage received during towing;
• related to evacuation (no more than 1% of the insured amounts).

11. Important information

Payments can be made without providing documentation from authorized government bodies in case of damage to glass, as well as headlight glazing, or damage to body elements. These payments are possible if the amount of damage does not exceed an amount equivalent to:

• $200 for domestic cars;
• $500 for jointly produced and imported vehicles.

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• Wednesday, 12 October 2016 22:52
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A car is a source of increased danger not only for third parties, but also for the owner of the vehicle. He risks losing his property in an accident or theft and being left alone with large expenses.

CASCO protects the car as a complete mechanism. In addition, such a policy can significantly expand the limits of liability under compulsory motor liability insurance.

Features of insurance in the company

The main voluntary insurance program offered by this company is RESOauto.

You can insure:

any car from theft and damage;
additional equipment;
driver and passengers from an accident;
civil liability of the driver in the amount of up to 30 million rubles.

RESOauto insurance provides protection against damage caused by road accidents, natural disasters, fires, explosions and stones.

The insurer guarantees:

car restoration in specialized service centers;
payment for evacuation in the event of an insured incident;
24-hour preferential evacuation;
road repairs (if necessary);
discounts for installing anti-theft protection.

There are three options for compensation for insured events, one of which the policyholder must choose when concluding the contract:

payment of bills for repairs at service stations;
direct repair and restoration of the vehicle;
car repair and restoration in service centers that are not official dealers.

RESOautoGap is a product that allows you to fully protect the interests of the owner in the event of theft of a car.

Standard CASCO does not fully protect new cars from theft or theft in the first year of use. In this case, RESOautoGap protects you from unexpected expenses.

The essence of the action is based on compensation for the difference between the insured amount determined by the contract and compensation under CASCO.

The cost of the car during the contract period is reduced if the car is stolen or cannot be restored after an accident.

RESOautoGap can be purchased together with the Resoauto policy or separately from it. This product makes it possible to cover the costs of the first year of use associated with theft and the purchase of a new car.

The advantages of RESOautoGap are as follows:

guaranteed preservation of the value of the car
You can protect any car with a service life of up to 7 years;
there are no restrictions on the value of the insurance object;
You can insure yourself before the expiration of the main CASCO policy;
The age and length of service of persons admitted to driving are not taken into account when applying for insurance.

The Theft Only program is a unique offer from the insurer. It only protects against the risk of car theft. The policy is suitable for confident and experienced drivers who do not need standard CASCO insurance.

Cars with a service life of up to 12 years are accepted for protection. The policy is issued after a mandatory expert examination and photography.

All insurance objects are divided into groups. Some require the installation of modern search and alarm systems.

At the company’s office, after an inspection, it is determined which group the vehicle belongs to. Payments can be made in installments; the age and experience of drivers do not matter when making payments.

Economy RESOauto policy makes it possible to call an emergency commissioner, evacuate a vehicle from the scene of an accident, and carry out emergency repairs on the road. This product can be purchased by anyone who applies for MTPL and CASCO insurance.

An annual policy of this kind will cost less than membership in a car club. The “Help Comfort” policy protects the lives of the driver and passengers, allowing you to call an ambulance to the scene of an accident.

This product also provides emergency dispatch, vehicle evacuation and roadside repairs. When applying for CASCO insurance at RESO, clients receive a discount, and they are also assigned a personal manager if the insurance amount is at least 3 million rubles.

The company also offers two products that are interesting for the Russian market:

insurance with satellite system;
resoauto-glass.

The satellite system allows you to reduce the total amount of coverage, and the RESOautoglass program protects you from costs associated with damage to vehicle windows.

Rules

CASCO is part of voluntary insurance. The relationship between the insurer and the policyholder is contractual.

The insurance objects are:

property interests of the insured and beneficiaries associated with loss and damage to the vehicle, as well as the risk of civil liability;
additional equipment in case of its loss or damage.

All vehicles that were legally imported or purchased on the territory of the Russian Federation are subject to insurance. They must be technically suitable for use.

Insurance coverage also applies to additional equipment only if it is not subject to installation.

The following risks can be insured:

damage (damage or destruction of the vehicle);
theft (loss of a car as a result of unlawful actions of third parties, which may be classified as theft, robbery, theft or robbery under the Criminal Code of the Russian Federation);
risks of unforeseen expenses associated with restoring a car or purchasing a new one);
risk of loss of market value.

CASCO insurance rules.

It is permissible to include in the agreement all the risks indicated above, as well as any separate combinations thereof. The insurance amounts in the contract are indicated separately for each risk.
The rules of CASCO insurance in the Sogaz company are discussed in the article: CASCO Sogaz.

You can find information about Mini CASCO in this article.

How protection works

The insurance contract begins to operate from the moment the first insurance premium is paid. The policyholder undertakes to comply with the terms when paying the insurance premium. Payments can be made in installments.

For example, you can transfer equal amounts every six months. If desired, installments can also be arranged with payment once a quarter (25% of the amount).

But if the contract is drawn up for a period of less than a year, the premium is paid in full before its conclusion.

After an insured event occurs under CASCO, the policyholder must immediately contact the authorities authorized by the state to investigate the causes of the accident:

traffic police;
fire service;
Ministry of Emergency Situations;
police and others.

After this, the form is filled out and within 10 days (from the date of the accident) it must be submitted to the insurer for consideration.

Insurance payment is made only after all necessary documents have been provided, the accident site has been inspected by an emergency commissioner, and the causes and guilt of the persons concerned have been established.

Application for payment to the insurance company.

The basis for receiving payment is the recognition of the accident as an insured event. In case of theft and destruction of property, money can be received no earlier than 30 days after the event is recognized as an insurance incident. In other cases, this period is 25 days.

Damage notification.

Notification of theft.

Insurance with deductible

The deductible is the amount within which the insurer will not be liable in the event of an insured event. The policy can be issued with or without a deductible.

When paying under policies with a deductible, its amount will be used when determining the amount of compensation to the policyholder.

Repair according to the policy

The insurer offers car repairs at a specialized service center as an insurance compensation option. You can choose a dealer yourself or simply take advantage of an offer from the company.

The insurer assumes obligations regarding the evacuation of the vehicle from the scene of the accident and the cost of restoration.

Insurance repairs may be provided in the event of a technical breakdown on the road. The insurer undertakes to deliver the vehicle to the policyholder after restoration.

From theft

The RESO company provides comprehensive protection (against the risk of damage or theft of the car) or only in case of theft. The concept of “theft” includes theft, robbery, robbery and car theft.

Insurance only in case of theft is not provided. Drivers who are confident in their professional skills can take out MTPL and a policy that will only protect against car theft.

In this case, the service life of the machine will be more important than its cost. The outdated anti-theft system will be updated.

A good solution would also be to purchase a policy that includes satellite tracking of the vehicle. This will significantly reduce the cost of insurance for the buyer.

How to make a CASCO calculation at Reso

The cost of insurance depends on the deductible, the cost of expenses, the sum insured and the selected indemnity option. The default insurance period is 1 year.

You can pay for protection in a lump sum or by installing payments over six months or quarters. It is important that the initial insurance is taken out or a renewal of an existing agreement is carried out.

Table of the approximate cost of CASCO in RESO with a franchise, calculated using the calculator on the company’s official website:

Table of approximate cost of the policy without deductible:

The cost of protecting the driver and passengers from an accident, depending on the amount of insurance, will be at the level 1750 or 4900 rubles. Purchasing a Help-Economy product will cost 2400 rubles, and Help-Comfort – 4500 rubles.

You can find out your ostomy value yourself by following the calculation formula:

CASCO from RESO-Garantiya will help protect your car from the risks of theft and damage. The company offers many unique insurance products and also allows its clients to carry out reinsurance. The primary insurer must be notified of the presence of a second insurer.
About the terms of the CASCO agreement in the Rosgosstrakh company, read the article: CASCO Rosgosstrakh.

Smart CASCO from Alfastrakhovanie is discussed here.

Find out the features of the Optimal program at Ingosstrakh by following this link.

Video: What to do after an accident if you don’t have a CASCO policy

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CASCO insurance in RESO

Registration of a CASCO insurance policy is carried out at the request of the citizen, in contrast to compulsory motor liability insurance. However, when choosing an insurer and concluding an agreement with him, you should take into account some nuances. At RESO it is possible to obtain insurance for all occasions, but most often clients take out car insurance.

About the company

The company RESO - Garantiya was founded in 1991 and since then has been operating in most cities of Russia. New, modern insurance projects were developed and launched, including for motor transport.

In total, more than a hundred types of insurance services are provided, and it is also possible to re-register contracts concluded in other organizations.

Areas of activity of the company in the field of insurance:

1. Car insurance – issuing policies such as CASCO and OSAGO.
2. DGO policy.
3. Health insurance on a voluntary basis.
4. Insurance of property owned by legal entities and individuals.
5. Insurance of mortgage loans, including those issued under special lending programs.
6. Protecting tourists while traveling from financial loss.
7. Insurance against various accidents.

Drivers can, if they wish, protect not only their property, but also their lives and health. To do this, you should use the accumulative life insurance service, which is offered by the subsidiary company RESO - Life Insurance Society.

The company's clients include both private and corporate individuals. The total number of citizens using RESO services is about 10 million people.

RESO branches were opened not only in Russia, but also in some other countries:

The expert agency "Expert RA" awarded the organization RESO - Insurance a high level of reliability - AA+. This is the maximum degree that can be set today.

It was also awarded a Certificate of Compliance with the highest international quality standards GOST, including GOST - ISO. The presence of these certificates indicates that the organization has the right to carry out reinsurance activities.

The company has received several awards indicating public recognition, including “Golden Salamander”, “People’s Brand” and others.

Insurance rules

Most insurance companies operating in accordance with legal requirements comply with the following rules for issuing policies to motorists:

• RESO company operates in the Russian market on the basis of a license issued by the relevant authorities, which gives the right to issue a CASCO policy;
• Only an adult, capable person can act as an insurer of his own property;
• it is possible to obtain CASCO insurance for any type of car: passenger car, minibus, truck or bus;
• additional equipment, such as video recorders, tablets, are insured only if this was agreed upon when concluding the contract between the parties;
• special equipment, in particular working mechanisms and assemblies, can be insured separately or together with the vehicle.

In most cases, when assigning compensation, the following is not taken into account:

1. Caused moral damage.
2. Natural wear and tear of the vehicle resulting from use.
3. Benefit that was missed by the driver.
4. Simple vehicle.

When concluding a contract, the client should carefully read all its clauses, and if any questions arise, immediately ask them to a specialist.

How to apply for CASCO insurance at RESO

To obtain a CASCO policy, a citizen needs to contact one of the existing RESO offices or use the official website.

Algorithm for obtaining insurance:

1. On the organization’s website - reso ru, you need to find the menu item “for individuals” and select the “CASCO” section.

The document can be issued in paper or electronic form at the request of the client. In the latter case, you should print it out, or always have a device with you, from which the policy can be presented to a specialist for verification.

This document is not presented if Road accident, like OSAGO, and in other situations when the integrity of the car was violated as a result of illegal actions of third parties, for example, during an attempt or theft of a car.

Documents

If you plan to take out CASCO insurance for your personal car, you will need the following documents:

1. Application, in the form proposed by an employee of the RESO company.
2. Civil passport.
3. A driver's license for each person who will be included in the policy.
4. Certificate issued upon registration of the vehicle.
5. If the car is used, you will need a coupon issued after passing a technical inspection.
6. A power of attorney is needed if a third party is handling the paperwork.
7. An expert’s report indicating the market value of the car if the car has already been used for a long time.
8. If equipment has been installed to protect the vehicle from theft, it is necessary to attach copies or originals of receipts issued upon purchase.

How to calculate the cost

When calculating the cost of CASCO insurance, the insurance company takes into account the following parameters:

1. Gender of the citizen driving the vehicle.
2. Age of the driver/drivers included in the document.
3. General experience in driving a machine.

The above factors do not depend on the policyholder.

Also, when calculating the cost of the policy, it matters:

• car brand. The higher the cost of the car and the better the model, the greater the likelihood that sooner or later the vehicle will be stolen;
• total age of the vehicle – service life. For new cars the risk is higher;
• type of insurance. A full range of services will cost more than insurance against isolated cases - theft, loss of integrity as a result of a natural disaster;
• the presence of anti-theft systems.

You can do the calculation yourself using the formula:

Is it possible to buy insurance in installments?

Not all drivers have the opportunity to make a one-time payment for an insurance policy, given its high cost. The RESO company gives you the opportunity to purchase a CASCO policy in installments under certain conditions.

Installment types:

• for a certain period - half of the amount is paid when drawing up the document, half - on any other day convenient for the client. Thus, the payment is divided into two parts;
• for 3-5 months – a certain part of the cost must be paid immediately – most often, 20% of the document price. The rest is distributed over several months.

Despite the fact that this method of purchasing CASCO insurance has a lot of advantages, it should be taken into account that there are also pitfalls:

1. You will have to visit the RESO office several times to make each part of the payment.
2. Only those clients who have extensive driving experience can receive an installment plan.
3. If a payment is missed, penalties will be assessed.

In RESO, it is possible to arrange “quarterly installments”, when 25% of the total cost of the policy is paid once a quarter.

How to receive payment

If the vehicle was stolen, crashed or damaged as a result of a natural disaster, the client who has entered into an agreement with the insurance company can receive compensation for damage, however, first of all, he needs to collect several documents:

• civil passport - original;
• original insurance contract concluded with RESO;
• registration certificate or PTS.

It will take about 15 business days to review the company's application. The total period depends on whether all required documents were presented immediately.

Most often, payment is given in the form of cash, however, at the request of the parties, car repairs in a workshop can be paid for.

If the car was damaged as a result of a natural disaster, then the standard package of documents must be accompanied by a certificate from the Ministry of Emergency Situations, which will confirm the occurrence of adverse weather conditions or fire.

Calculation of CASCO in RESO Guarantee with a discount on insurance!

CASCO promotion "Moscow Hit" in Reso Garantiya.

CASCO insurance for a car has become up to 27% more profitable.

Terms

The promotion applies to new cars (mileage less than 1000 km, year of manufacture - 2014-2015)
Insurance period - 1 year
Owner – individual
The policy includes the risk "Damage"
Comm. coefficients are not applied
Settlement by referral to service station

The promotion includes 19 of the most popular models in the Moscow region: AUDI Q7, CHEVROLET AVEO, CHEVROLET NIVA, DAEWOO GENTRA, FORD KUGA, HONDA CR-V, KIA SPORTAGE, LEXUS NX, LEXUS RX, MITSUBICHI OUTLANDER, NISSAN ALMERA, NISSAN QASHQAI, NISSAN TERRANO , PORSCHE CAYENNE, RENAULT DUSTER, RENAUL SANDERO, SCODA RAPID, TOYOTA RAV4, VOLVO XC90.

The insurance program includes all the same risks as the standard CASCO policy - “Damage”, “Theft” and “Additional equipment”.

Extending CASCO insurance in RESO is profitable!

For clients with a good driving history, we offer to extend the CASCO agreement on special conditions!

The new RESOauto policy will cost you less if:

The new contract, like the previous one, is concluded for 1 year.
No more than one insured event was declared under the previous policy.
The owner and policyholder are the same people as the year before.
The new CASCO policy does not provide additional discounts.
The new policy does not include drivers with an increasing coefficient based on age and length of service.
The validity period of a new CASCO policy begins on the day following the expiration date of the previous policy.

CASCO RESO Guarantee - "RESOauto" policy - reliable and profitable!

The following are accepted for insurance:

Any cars (even before registration with the traffic police) from theft and damage as a result of a traffic accident, fire, explosion, natural phenomena, falling objects (including snow and ice), falling stones, as well as as a result illegal actions of third parties.
Additional installed equipment.
Driver and passengers from an accident.
Civil liability of the driver in the amount of up to 30 million rubles.

The "RESOauto" policy guarantees:

How does insurance coverage work?

At your choice, they will restore your car or pay for the repairs you made (purchased parts).
You can choose three options for compensation for the risk of “damage”, which also affects the cost of the insurance policy:
1. Payment for repairs at service stations of official dealers in the direction of the insurance company or payment according to the calculation (calculation) of the Insurer at the average current market prices for parts and work.
2. Payment of bills for actual repairs performed at a service station at the choice of the insured;
3. Payment for repairs at service stations that are not official dealers, in the direction of the insurance company, or payment based on calculation (calculation) at non-dealer prices (the program is allowed only for foreign cars).

RESO GARANTIA - car insurance only against theft (theft) .

Car insurance against theft (theft) - a rare offer among insurance companies. A theft-only insurance policy is often purchased by car owners who do not need Damage insurance.

Only cars with mandatory inspection and photos, no older than 12 years, are accepted for insurance against theft.

In most cases, installation of additional alarm is not required. Requirement for installation of additional an alarm and search system are available for those cars that are considered, according to statistics, to be the most stolen.

Policy price CASCO against theft in RESO Guarantee does not depend on age and driving experience.

In the first half of 2014, the insurance company RESO-Garantia made payments for “Theft” of 936 million rubles, which is 44% higher than the same figure in 2013. Including in Moscow and the Moscow region, payments amounted to 432 million rubles. (+54%), in St. Petersburg and the Leningrad region 413 million rubles. (+79%).

In just six months, 823 cars insured by RESO-Garantia were stolen in Russia, of which 342 were stolen in the Moscow region and 373 in St. Petersburg and the Leningrad region.

RESO - special program "Privilege of Experience"

Experienced drivers can use CASCO in RESO with a 15% discount
Condition of the promotion: a limited list of drivers with more than 10 years of experience and over 40 years of age.

RESO GARANTIA - basic CASCO conditions

The CASCO RESO policy is valid on the territory of the Russian Federation and covers the risks: Theft (Theft), Damage.
It is possible to pay for the CASCO policy in installments.

Without certificates from the traffic police, you can apply for interior glazing (unlimited), once a year for body parts no more than $500. If the cost of a CASCO policy is more than 100,000 rubles, then without certificates for body parts up to 5% of the insured amount.

Important for new cars: before registration, the policy is valid for all risks of Theft and Damage.

RESOautoHelp - what's included :
Evacuation;
In case of a breakdown on the road - provision of emergency assistance;
An emergency commissioner who goes to the scene of an accident to prepare the necessary documents and collect certificates;
Emergency medical care.

Calculation of CASCO RESO Guarantee through the website with a discount on insurance up to 10%!

At your request, a company specialist will deliver a CASCO RESO Guarantee policy. Delivery is free.

OSAGO RESO WARRANTY

Since March 1, 2009, according to the MTPL Law, it is possible to apply for payment to the insurance company where the MTPL policy was purchased, rather than looking for the company that caused the accident.
If you have MTPL insurance in RESO GARANTIA, then direct settlement (DSS) allows you to file an insured event and receive payment from RESO GARANTIA.
Our specialist will calculate OSAGO RESO for you, and the policy will be delivered to you free of charge at a time convenient for you.

Calculation of CASCO in RESO Guarantee - discounts on insurance. RESO CASCO calculator - calculate CASCO 2016 RESO

Reso Guarantee insurance company official website - reso.ru

_______________________________

RESO Insurance, comprehensive insurance Reso Guarantee, calculate comprehensive insurance Reso, calculate comprehensive insurance Reso Guarantee

SPAO IC "RESO-Garantia" has been operating since 1991 and is one of the largest insurance organizations in Russia. The company provides a wide range of insurance services, including CASCO car insurance programs. The CASCO policy from RESO-Garantiya provides reliable insurance protection for your vehicle against theft, road accidents, and damage caused by third parties.

Advantages of registering for CASCO insurance at RESO-Garantiya

At the end of 2015, the company became the absolute leader among Russian insurance organizations in the CASCO car insurance segment, collecting RUB 29,869,964 thousand. bonuses and paying 16,745,256 thousand rubles. for insurance cases.

The authorized capital of IC "RESO-Garantia" is 10.85 billion rubles, and the company's reliability rating is assessed by the Expert RA agency as exceptionally high "A++" with a stable forecast. Financial obligations are guaranteed by reinsurance companies Munich Re, Hannover Re, Gen Re, SCOR, Partner Re. The insurance services of the RESO-Garantia company are used by more than 10 million individuals and legal entities.

Types of CASCO insurance programs

The insurance company "RESO-Garantia" implements several CASCO car insurance programs.

"RESOauto"

This program guarantees coverage of expenses in the event of the following insured events:

• car theft;
• damage resulting from a natural disaster, explosion, fire, or foreign objects falling on the vehicle;
• damage caused by third parties.

The car insurance policy under the RESOauto program includes the provision of services such as:

• repair and restoration of the vehicle in authorized technical centers;
• evacuation from the scene of the incident;
• roadside assistance at a reduced price;
• installation of anti-theft systems at a discount.

"RESOautoGAP"

The program has no restrictions on the age and driving experience of the policyholder and is designed to protect the vehicle from the following insured events:

• car theft;
• complete destruction of the vehicle.

"Theft"

This program is intended to insure a car exclusively against theft and has the following conditions:

• the service life of the vehicle should not exceed 12 years;
• the age and length of service of the driver do not affect the cost of the policy;
• An insurance policy is issued after inspection and photographing of the vehicle;
• For cars that are statistically recognized as frequently stolen, the installation of a search system or an additional alarm is required.

"CASCO-Profi"

The program is designed for experienced drivers and guarantees compensation for losses incurred as a result of an accident that occurred due to someone else’s fault. The maximum insured amount provided for by the program is 400,000 rubles, but not more than the actual value of the vehicle at the time of insurance. Repairs of cars with a service life of less than 3 years are carried out by an authorized dealer.

"RESOauto-Help-Economy"

This program provides insurance for a car no older than 10 years and has the following conditions:

• evacuation of a vehicle to the place of repair in case of damage as a result of an accident, explosion, fire, natural disaster, foreign objects falling on the vehicle, or actions of third parties;
• emergency technical assistance in case of a breakdown on the road - carrying out diagnostics and repairs to eliminate a vehicle malfunction at the place where the insured event occurred;
• assistance from the emergency commissioner - includes the commissioner’s visit to the scene of the accident; consultations on paperwork in connection with an accident; photographing the scene and participants of the accident.

"RESOauto-Help-Comfort"

The program is designed for car insurance of vehicles not older than 12 years and includes coverage of insurance risks of the RESOauto-Help-Econom program, plus additionally:

• provision of emergency medical care to individuals injured as a result of road accidents.
• In addition to the listed car insurance programs, the RESO-Garantiya company offers additional insurance options: “VIP-service” and “Insurance with a satellite system”.

"VIP service"

The insurance package is intended for clients who have insured their car for a value of RUB 3 million or more. under the RESOauto program. The services provided under this insurance product include:

• 24/7 dispatch support;
• assigning a personal manager to the client;
• expanded insurance territory, including a group of foreign countries;
• referral for repairs without visiting the insurance company.

"Insurance with satellite system"

This option entitles you to a discount of up to 70% of the cost of the policy under the Theft program, subject to the installation of an anti-theft search system from the partners of the RESO-Garantia company on the car.

Cost of CASCO policy

The table presents data on the cost of a CASCO policy, calculated for a driver 28 years old, with 5 years of driving experience and living in Moscow. The object of insurance is a 2013 Ford Focus car.