Rules dsago reso guarantee. Extended OSAGO (DGO) - how and where to apply

After the first accident, I realized that saving is more expensive for myself. When drawing up a CASCO agreement, now I always choose an invoice for the actually performed repairs. I got into an accident, gave the car to the service station, they billed you. You give this account to the company, and they pay it there. And you take the car. And there is no need to wait in line for service stations with which the company has contracts. You choose your service station. And I decided to save on insurance with the help of a franchise. Because if someone enters you, his company will pay. If there is a difference in payment (due to wear and tear) and the actual repair, then the difference, according to the law, is paid by the person responsible for the accident. If the difference is large, and the culprit is not going to pay extra, then I contact my RESO to restore the car under CASCO. I pay extra for the repair of my franchise, after which I return the franchise from the culprit through the court. And I continue to be afraid. Now you know how to. I also advise everyone to take additional (extended) civil liability of DGO when insuring OSAGO. Because OSAGO covers only 120,000 tons. And now there are a lot of expensive cars, and this money (if anything) is not enough for you. Moreover, RESO has DGO without wear and tear (generally super), you won’t have to think about the difference in the payment that the culprit pays extra (if the repair is more expensive than the bill that the company calculated). Always before insurance, you need to ask how and what the company will pay in case of an accident. And we ask, as always - how would it be cheaper, and then we suffer. Good luck to all…

The cost of many cars present today on the roads of Russia reaches more than one million rubles. And in case of damage to such vehicles, compensation for a conventional OSAGO policy is not always enough. That is why DSAGO is becoming increasingly popular - its cost may vary.

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:

APPLICATIONS AND CALLS ARE ACCEPTED 24/7 and 7 days a week.

It's fast and IS FREE!

What it is

Unlike , is not required. The abbreviation DSAGO stands for "voluntary third party liability insurance".

In fact, this insurance service is an additional protection for the driver on the road in the event of major accidents or traffic accidents involving expensive cars.

To date, the maximum compensation under the OSAGO policy (after the reform of the legislation) is:

Often, the amount announced above is simply not enough for a full refund. It is in this case that DSAGO will come in handy. Thanks to this policy can be increased maximum amount compensation up to 3 million rubles.

Most often, this is more than enough to cover all the losses of even the largest traffic accident.

The driver can independently choose the maximum amount of compensation received as a result of an accident. It can vary quite widely. Most often minimum amount in most UK is 300 thousand rubles.

It is worth remembering some features of the policy of the type in question:

• DSAGO does not work without a valid OSAGO policy;
• the amount of the insurance premium for a policy of the type in question is regulated by law at a minimum, Insurance companies calculate this amount yourself;
• the car owner may, if desired, conclude various additional agreements to the main contract;
• payment under DSAGO is carried out only in case of insufficient funds compensation payment according to OSAGO.

When concluding a contract under a policy of the type in question, it is necessary to remember all the nuances of DSAGO. Since otherwise, there is a high probability of various kinds of misunderstandings.

How to calculate the cost of DSAGO

When calculating the value of the insurance premium for DSAGO, each insurance company uses its own formula.

However, you can find out the approximate cost of this service by multiplying the following coefficients:

Where indicators mean:

Also, when calculating the cost of the policy, a large number of various factors are taken into account. That is why, using this formula, only an approximate calculation can be carried out. Each UK has its own basic tariff, it is not regulated by law.

Sometimes, in some insurance companies, the cost of DSAGO for the same driver differs by more than two times. That is why, before contacting a particular organization, it is necessary to compare their rates.

What does it depend on

The cost of DSAGO depends on a large number a wide variety of factors.

Based on their combined influence, the amount of the insurance premium is indicated. These factors include:

• the age of the driver and his experience;
• regional coefficient;
• car power;
• the number of persons admitted to management;
• duration of action insurance policy;
• bonus coefficient ("bonus-malus").

Most of all, the insurance premium is influenced by the age of the insured and his driving experience. Since the more experience, the less likely it is to get into a traffic accident.

Most often, the discount is given to drivers over 23-25 ​​years old, whose total driving experience is more than 5 years.

Some insurance companies have restrictions: DSAGO is not issued to persons under 25 years of age or with little driving experience.

There is a regional coefficient. In different regions, the intensity of traffic is different, as well as the total number of cars.

For example, in Moscow, the cost of the DSAGO insurance policy is the highest, the traffic intensity and the total number of cars there are very high. For peripheral regions, such as Volgograd or Saratov, the value of the insurance premium is minimal.

When calculating the amount of insurance payment, not only the cost of the car itself is taken into account, but also the power of the engine installed in it.

The larger this parameter, the greater the likelihood of an accident, according to analysts of insurance companies.

The number of persons admitted to management also has a direct impact on the amount of the insurance premium. Age and driving experience are taken into account.

DSAGO without restrictions is the most expensive when the policy is valid regardless of who is driving. The duration of the contract also directly affects the cost of the policy.

The DSAGO policy is much cheaper for those who purchase it from an insurance company, already being its client. Especially if at the same time there were no insured events and the payment of compensation was not previously carried out.

How can you save

There are many legal ways to reduce the cost of a DSAGO policy.

The most popular are the following options:

• compare the value of the insurance premium in different companies and choose the one in which the price is minimal;
• register a car in a "cheaper" region;
• not get into traffic accidents;
• use a franchise
• purchase a car with an engine power up to 100 hp.

The value of the insurance premium under DSAGO is not rigidly fixed as when purchasing OSAGO. The backlash between the rates of various insurance companies is sometimes 100%. That is why it is necessary to compare prices in different insurance companies.

Moreover, it is advisable to pay attention to the largest ones with a high reliability rating - they are much less likely to have problems with payments.

Regional coefficients apply for DSAGO. That is why it is worth registering a car in a small city, and purchasing an insurance policy there. This allows you to save a fairly significant amount, the difference in coefficients is quite large.

The absence of previously received insurance compensation and accident-free driving can significantly reduce the cost of an insurance policy.

That is why, in order to reduce insurance costs, you should drive as carefully as possible and avoid getting into traffic accidents.

Insurance companies give big discounts to “accident-free” drivers. DSAGO should be purchased at the same insurance company where OSAGO was purchased: for regular customers, the policy is much cheaper.

Do not chase the power of the car. The larger it is, the more expensive the acquisition of DSAGO will cost. Therefore, if the driver wants to save on this insurance service, it is better to purchase vehicles with motor power less than 100 hp

The cost of the policy in different companies

The cost of a DSAGO policy in different insurance companies varies quite significantly. It all depends on many factors.

The most popular companies that most drivers have a lot of confidence in include:

• "Ingosstrakh";
• "Agreement";
• "RESO".

Each company has both its advantages and disadvantages. But the conditions for providing policies of the type in question in them are optimal.

There are also no different Additional services, which must be included. These SCs are as honest as possible with their customers. All of them have an A++ reliability rating.

"Ingosstrakh"

The acquisition of DSAGO in the insurance company "Ingosstrakh" is possible only if the following conditions are met:

• this policy is issued only for the car specified in the OSAGO (its provision is mandatory);
• the duration of the DSAGO must necessarily coincide with the duration of the OSAGO;
• OSAGO policy must be purchased at Ingosstrakh;
• the DSAGO contract itself can only be concluded by the owner of the vehicle.

The liability limit for the table below is 1 million rubles:

"Agreement"

A prerequisite for the acquisition of DSAGO in IC "Consent" is the presence of OSAGO from the same insurance company. Moreover, in most cases, the acquisition of DSAGO is possible only simultaneously in OSAGO.

Factors such as the brand of car and driving experience in the insurance company under consideration have a minimal impact on the amount of the insurance premium.

The main factor is maximum size Compensation in the event of an accident:

"RESO"

Insurance company "RESO" has many different kinds of advantages.

The most important are the following:

• compensation is carried out without taking into account the depreciation of the car;
• when applying for DSAGO, you can include in the package of options such services as "Accident Commissioner", "Ambulance", "Technical Assistance";
• there is a round-the-clock subscriber line;
• The claims handling center is open 365 days a year, seven days a week.

The essence of such insurance is to increase the size maximum payout at an accident. Now the maximum compensation for an ordinary “car citizen” is 400 thousand rubles for damage caused to a car and 500 thousand rubles for life and health. Extended OSAGO, also called DGO, DSAGO and DoSAGO, relieves the policyholder of this limit. There is no formal upper bar for it.

The conditions are relevant because of the large number of expensive cars around. If you damaged someone else's car and compensation of 400 tr. not enough, an extended OSAGO will help. At a price of several thousand rubles, it will save you from litigation and costs. In addition, bonuses are often given in the form of free evacuation, roadside assistance, and an emergency commissioner. We provide an opportunity to issue such a policy.

How is an extended OSAGO issued?

Until 2014, the procedure was simple. If there is a form compulsory insurance, extended OSAGO was issued by any insurer offering such a service. Now most companies issue it only in conjunction with. Or when buying a "car citizen" by regular customers. This is due to the unprofitability of such policies in last years. DGO, unlike compulsory auto insurance, is not regulated by the state. This allows organizations to set their own terms. Some, such as SK Alliance, refused to provide the service at all.

Which insurers provide DGO for OSAGO

We recommend that when buying, pay attention only to trusted organizations. Due to the lack of direct control government bodies, unscrupulous insurers in practice sometimes provide worse conditions than in words. We cooperate only with reliable insurance companies, providing clients with voluntary DSAGO insurance.

The cost of an extended MTPL, depending on the reimbursement

* — registration is possible only with the extension of the current policy, or together with CASCO. Special price indicated.

Reso-Guarantee has correction factors that depend on age and driving experience. Ingosstrakh for regular customers the price of insurance will be lower than the standard. But insurance for a used car will cost 7-8% more.

Possible difficulties

The first thing you encounter is the lack of offers. Most often, it is possible to issue only in the insurance where you are served. Secondly, you need to carefully study the conditions. They are regulated directly by the organization that issues DSAGO. Control from the side of the RSA and the Central Bank is much less than with compulsory insurance.

Often, the expanded amount of DGO for OSAGO means exactly the total payment of compulsory and voluntary insurance. That is, DGO for 1 million rubles = 400 (“autocitizen”) + 600 (expansion). Specify this nuance.

conclusions

If it is possible, when taking out auto insurance, it is inexpensive to make an extension of DGO to good conditions- it is better to agree. Several thousand rubles a year will provide you with peace of mind on the road. Even the most careful driver can cause an accident. The main thing is to choose a reliable insurer.

Owners vehicles, according to the legislation of the Russian Federation, are obliged to compensate the injured third party in case of harm to life and health, as well as damage to property. In order to ensure the possibility of material compensation, each driver is required to have a policy OSAGO.

But, not always insurance compensation is enough to cover all the costs associated with an accident. DGO will give confidence when driving on the roads, especially in large cities where the auto movement consists of many expensive luxury cars.

Voluntary civil liability (VCR)- this is the expansion of the financial boundaries for compensation for damage to third parties injured in an accident by an insurance company.

When applying for a DGO policy, you can independently determine the insurance limits that are most suitable for a particular driver, taking into account the area of ​​\u200b\u200bmovement and driving experience. A mandatory condition for obtaining such insurance is the presence of an OSAGO policy.

The insurance payment can completely cover the scope of liability under the following conditions:

1. With legal driving.
2. Only after payment under the OSAGO policy.

It should be noted that compulsory insurance will ensure payment in the amount of 160 000 rub., when causing harm to the life and health of the victim and 120 000 rub., in the event of damage to the vehicle. This is the maximum that can be expected from OSAGO.

Insurance risks in the DGO agreement are:

The DGO agreement does not provide for a franchise, although some companies offer such a policy, but only in terms of compensation for damage to property. On the onset insured event When the fact of causing harm to life and health is obvious, compensation is carried out to the affected people in the first place.

Benefits of DGO insurance

Purchasing a policy OSAGO- this is only the minimum scope of insurance in case of damage to a third person injured in an accident, which is required by law. To resolve problematic issues in the event of such events, the car owner must take care of his own safety and risks. For these purposes, a policy is issued DGO.

Main positive sides voluntary insurance:

1. The insurance indemnity is paid in excess of the amount paid under OSAGO.
2. The policy provides for compensation in full, excluding wear and tear of the car and components.
3. Insurance includes technical support on road.
4. Possibility to determine the maximum limit of insurance independently.
5. Round-the-clock support of dispatching and service specialists.

Read about here.

Given the limited amount of insurance payment for compulsory insurance, DGO policy provides for insurance against the risks of exceeding these amounts of damage. Choice insurance rate is voluntary and related to the personal interests of the auto insurer.

This is its main difference from compulsory OSAGO insurance - sum insured not regulated by law and determined by agreement of the parties.

The cost of DGO insurance depends on the following parameters:

How to apply for a DGO policy?

Because prerequisite registration of DGO insurance is the presence of OSAGO, it is better to issue a voluntary insurance policy in the same insurance company. Almost all insurance agents provide a discount accumulation program, which provides bonuses for subsequent insurance.

Especially, it is better to stick to the company in which there is already a positive experience of cooperation. To speed up the process of paperwork, almost every insurer provides the opportunity to apply for insurance online or through a broker.

It is enough to dial the phone number of the company you are interested in and the specialists will guide you in the optimal solution of the issue, as well as select the most appropriate option for issuing and transferring the policy.

For registration of DGO, almost the same package of documents is required as for OSAGO, CASCO, these are:

1. Documents proving the identity of the driver.
2. Title documents for the vehicle.
3. OSAGO insurance policy.

Read about it here.

The essence of voluntary liability insurance is the expansion of OSAGO limits.

To understand, let's look at some illustrative examples:

1. Situation #1. It is often found not only among "newly minted", but also among experienced drivers - non-observance of the distance. In the event of a traffic jam, especially during rush hour, it is difficult to follow traffic rules. There will always be lovers of their violation, which can additionally create an emergency. As a result of one collision, a chain reaction follows and several cars become participants in an accident at the same time. In this situation, a collision with a vehicle in front will be your fault. If the affected car is a premium class, then even minor damage will exceed the maximum possible payment of 120 thousand rubles. according to OSAGO. In this case, if the damage to property is calculated in the amount of 250 thousand rubles, then the difference is 130 thousand rubles. You will not have to get it out of your own pocket, and the compensation is compensated by the insurance under the DGO policy.
2. Situation #2. As a result of overtaking, an unusual situation has been provoked for you, in which you have to maneuver strongly and, driving to the side of the road, damage someone else's car and roadside structure (fence, stop, billboard, pole, etc.). The amount of damage is calculated in the amount of 600 thousand rubles. Since, according to OSAGO, compensation will not exceed 160 thousand rubles. (2 or more victims), then the DGO will reimburse the losses for 440 thousand rubles. rub.

To be able to fulfill your obligations, the presence of a DGO policy will allow you to quickly resolve an unpleasant situation and help people who have suffered through your fault in an accident.

Important points of concluding a voluntary insurance contract:

The presence of policies can ensure financial readiness answer for the consequences provoked accident. Be careful on the roads! No insurance will protect you from the emotional burden and stress caused by an accident.