Up to what age is the owner of the car allowed insurance. Life insurance in case of death

According to the service life, cars can be conditionally classified as “almost new” - up to 2 years; from 3 to 7 years; older than 7-10 years; as well as "oldtimers" - rare cars produced before the middle of the last century. Each company that undertakes to insure non-new cars sets its own "used limit": most often it is 7 or 10 years. If your car has already crossed this age limit, the insurer can offer an individual auto insurance contract, which will cost significantly more than standard offers.
Often, insurance companies refuse to conclude AUTOCASCO contracts for "constructors" - cars imported from abroad in the form of spare parts and re-assembled, as well as for right-hand drive used cars. In Russia, it is believed that a right-hand drive car has the highest risk of an accident. Therefore, if such a car is accepted for insurance, when calculating the cost of a CASCO policy, multiplying factors are used for it, which in some cases can double the price.

Dear. There are a lot of OSAGO calculators on the internet. There you will need to enter data on the car, the location of the car, as well as those who will drive the car.
You indicated the very meager information: Brand is good, but what engine, horses, etc.? The experience is small, understandable (by the way, with such experience, the difference between insurance with and without limitation is minimal, and it makes sense to do without), but what region, village or city, etc.?
Google it and figure it all out for yourself, of course.

CASCO for cars older than 7 years

This is explained by the fact that in case of an insured event, the insurance company pays for repairs, the cost of which will be approximately the same for both a new car and an old one, since the cost of new parts replaced during repairs and the cost of a specialist will not differ.

When the CASCO insurance program provides for a deductible. In most cases, the insurer obliges owners of old cars to purchase voluntary insurance policies with a deductible of at least 3%. Otherwise, insurance is simply not profitable for the insurance company.
When the damage is greater than the sum insured. The amount of damage is calculated by summing up the repair costs of all parts that are damaged.

CASCO for old cars

Each insurance company sets its own limits on the “age” of cars accepted for insurance. Most insurers adhere to the maximum mark of 7-10 years (7 years for domestic vehicles and 10 years for foreign cars). For such cars, full-fledged CASCO programs are provided, when the car owner can choose any insurance options. Including the option “payments without taking into account depreciation”, which is, of course, extremely important for this segment of the fleet.

Some companies (there are more and more of them, by the way) have already lowered the “age” bar to 12 years, but at the same time they set a number of mandatory conditions. For example, the condition of payment only taking into account wear and tear, non-reimbursement of the cost of consumables and the cost of repair work, insurance only against damage, etc.

Is there a limit on the age of cars when applying for CASCO?

Rules for determining wear, directly depends on the age of the machine. If the depreciation of the car is determined at 65%, then compensation for damage is paid for the rest - 35%. Whether this amount is enough to carry out repair work should be decided on an individual basis. In many companies, when paying for repairs, a percentage of depreciation is deducted, and in the event of a complete loss of a car or its theft, payments are made in full.

Insurance under the CASCO program is not regulated at the state level. Each insurance company develops its own rules for voluntary car insurance, including, among other things, a limit on the age of vehicles that are insured. Therefore, before insuring an old car, you will have to take an interest in the insurance rules of different insurers.

Is it possible to insure an old car under the CASCO policy? Cost, tariffs and age of the car

This category includes vehicles that were bought not so long ago, when the purchasing power of the population was much higher than now. But in the case of repairing a car that has been in an accident, the price of spare parts will not differ from those that will be on a new car.

When buying a new KIA Rio car in the best configuration, you will have to pay about 600 thousand rubles. The CASCO policy will cost the owner 55 thousand rubles, provided that the driver is 25 years old and has five years of driving experience. This will be about 9 percent of the original cost of the car.

CASCO for cars older than 10 years

model and make of the car (if the vehicle was previously stolen - + 10-20%)
owner's age (up to + 30% if not 21 years old or over 65 years old)
driving experience (not even having 2 years - up to + 20%)
mileage of vehicles (with more than 30 thousand km, they can increase by another 10%)
list of selected insurance risks
term of the contract
number of additional services
franchise size and that's not all

A CASCO policy for used cars is far from a cheap pleasure, and sometimes even an unbearable amount for some. After all, the older the vehicle, the higher the cost of insurance. This is due not only to a greater loss of the insurer, but also to some factors that affect the price of the policy in the calculation. If a new car can be insured for 5-8% of its value, then an old car can be insured for at least 13%, and sometimes up to 20%. These are the most important indicators that make up the assessment of insurance:

CASCO for old cars

Another way to reduce the price of CASCO for old cars is wear and tear insurance. The insurance company will deduct the percentage of wear and tear from the payments, but in case of theft and complete destruction of the car, the payment will be full. At the same time, the cost of the policy is reduced by 15-20%.

CASCO for a car older than 7 or 10 years old can be found in some insurance companies, but in most cases they offer either inflated rates (sometimes up to 20% of the market value of the car) or special insurance conditions. Such conditions usually include the fact that under CASCO insurance for cars older than 10 years, the following can be carried out:

26 Jun 2018 306

Has in its line of proposals for the CASCO program for used vehicles. According to established practice, most insurers are ready to issue voluntary car insurance policies 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 you can do it, 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 for used cars, a number of companies are ready to insure vehicles under the age of 12 years 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 of the market value and only on its basis will they offer to conclude an individual one. The cost of such CASCO will be very high, therefore, it is worth resorting to such insurance products 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, but about where you can buy insurance cheap, find out).

What's the difference between used car rates?

There is a widespread opinion that the older the car, the higher the cost of the insurance policy for it. This is not entirely true. really grows with every year of operation of the machine, but it is not the only variable in the formula.

There is also the insurance cost of the vehicle, and for 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. during the 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 rate is 12%, and the price for a voluntary insurance contract will be 18 thousand rubles.

Use our online calculator to calculate 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 to buy a used car.

Option 1

In general, CASCO for a used car is a convenient financial instrument that is available to every vehicle owner. In some cases, the cost of such an insurance contract may 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.

Hello, dear readers of the Helpkasko.ru blog. I recently looked through the statistics of requests from Internet users who own cars or are just planning to buy a car, and noted that quite a few car owners are interested in the following question: “ Up to what age are cars insured under CASCO? Therefore, I decided to devote a small article to this issue. But in fact, in fact, this is a rather important issue for drivers who want to protect their iron horse from all sorts of unexpected damage (chips from a flying stone, theft, fire, PDTL, etc.) using CASCO insurance.

For owners of newer cars, another problem is relevant: repairing an “age” foreign car at a dealer is more expensive than repairing a new one, so the owner of a used car pays the same or even more for insurance than for a new car, which, given the lower cost of the car itself, is perceived negatively .

CASCO for cars older than 7 years

CASCO policy for an old car

the cost of the CASCO insurance policy. Many insurance companies offer various programs of voluntary car 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. The essential conditions are: insurance risks against which the policy protects, the choice of an organization to carry out restoration repairs 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. Further;
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%.

Is it possible to insure an old car under the CASCO policy? Cost, tariffs and age of the car

CASCO for old cars

Casco insurance: a question of age

Secondly, the terms of insurance may provide for options for applying deductibles (part of the damage not compensated by the insurer), or the insurance contract may be concluded on the terms of incomplete property insurance (the declared sum insured is less than the actual value of the vehicle).

Terms of payments and repairs under CASCO according to the law

After the formation of the insurance case, the insurer's employees will analyze the received package of documents and, in case of a positive decision, they will transfer the case for payment of insurance compensation or prepare a referral for repairs, depending on what the insured has chosen.

Until what age is Casco insured

Just like a new car - you can call the insurance company and invite the insurance agent to work or even go home - I have been doing this for the last years - they have been fighting for a client for a long time and they will come to you anywhere - (example - now I am at 14 hours of flight on an airplane at the equator and sms they threw a phone - insurance offices-stsuki - where infa that my CTP ends only in a month) - so insure your car for a year and your driving experience will be taken into account and then you will be prompted where to do an inspection of your car— since January of this year, a MOT coupon is required for insurance — good luck to you

Why cars older than 10 years are not insured

some companies calculate the depreciation period of such a vehicle, starting its journey directly from the car dealership, minus up to 15% after the first year of use and adding up to 10% to this amount for each subsequent year
other companies add 10% every year for each old car

Features of mini CASCO in Rosgosstrakh in 2020

passport;
vehicle registration certificate;
documentation for the car, which includes a vehicle passport, a contract for the purchase of a car, certificates from customs, etc.;
driver's license;
old sample policy, if any;
loan documentation (if relevant);
documentation for the anti-theft system.

CASCO for cars older than 10 years

Does CASCO justify itself for a car older than 7 years

We have already talked about the acute reluctance of insurance companies to deal with cars 7 years and older. Voluntary insurance does not have strict state control, but compulsory motor insurance has other tasks. Let's try to answer why old cars are not insured under OSAGO, and what to do in this situation.

CASCO for old cars

In addition, there are several ways to significantly reduce the cost of the policy: for example, choose the condition of non-payment for repairs, which is often offered when insuring old cars. The essence of this condition is that the insurance company pays only the cost of parts according to the calculation, and the driver himself pays the cost of repairs, independently choosing where to carry out repairs. On this condition, you can save up to 40-45% of the cost of a CASCO policy for old cars.

Terms and periods of validity of CASCO

Long-term CASCO is more profitable and convenient for careful drivers, as well as for those people who are not going to change their car for a new one in the near future. In any option, such a policy is beneficial for any driver, despite the fact that you need to spend a certain amount on the purchase, which may seem quite large to many. After all, no one is immune from the possibility of getting into an accident, and payments under the issued policy will be calculated for each individual case.

1. In a personal insurance contract (with the exceptions specified below), the policyholder and the insured person are the same person. The “person wishing to insure”, referred to in the insurance rules, is the person who enters into an agreement with the State Insurance, and at the same time it is also the person whose death or survival to a certain period or whose disability has the value of an insured event for this agreement. Therefore, the “person wishing to insure” in the relevant insurance rules, after he has concluded an insurance contract, is called “insured”, and sometimes the complex term “insured (insured)” is used to refer to this person.
In contrast, accident insurance contracts at the expense of the organization are concluded by the State Insurance with state, cooperative or public organizations, acting here, therefore, as insurers, while the employees of the respective organizations are insured under these contracts.
Similarly, when insuring pensions, one person (the insured) concludes an agreement with the State Insurance, according to which the payment of pensions must be made to another person (the insured).
Thus, for these last two types of insurance, the insured and the insured are different persons.
2. Accident insurance at the expense of organizations, pension insurance, as well as optional passenger insurance, are carried out regardless of the age of the insured, while for other types of personal insurance, the initial and maximum age of persons with whom insurance contracts can be concluded is determined. Gosstrakh for these types of insurance enters into contracts with persons mostly not younger than 16 and, as a rule, not older than 60 years.
16 years is the age of working age, and there are no grounds for a person who has not yet reached this age to be insured against disability; there are also no grounds for such a person (on whose material assistance other persons do not yet depend) could insure his life in favor of one of his relatives and, in general, in favor of a third person. A person under the age of 16 cannot conclude a personal insurance contract either personally or through a representative.
As for the age of 60, upon reaching which a person, as a rule, loses the right to conclude a personal insurance contract, the establishment of such
This age limit has other grounds: for persons over 60 years old, life insurance was required to establish such high tariff rates of insurance premiums in accordance with the data of the mortality table that insurance for them would be economically inexpedient.
Although the probability of disability due to an accident mainly does not depend on the age of the insured, it is nevertheless established by the Accident Insurance Rules that the State Insurance concludes such insurance contracts with persons under the age of 70 years.
The age of a person can serve as a criterion for determining and limiting the insurance period. Thus, according to the rules of insurance in case of death and disability, Gosstrakh concludes contracts for a period not longer than the insured reaches the age of 65.
When concluding an insurance contract, the age of a person wishing to insure is certified by presenting a passport or a document replacing it.

It is interesting both for owners of brand new cars and car owners of used vehicles. According to statistics, in Russia every year more than half of the purchased cars already have mileage.

Therefore, the question becomes very relevant, from what year of manufacture of a car you can purchase a CASCO policy. In our article, we will consider all the limitations and nuances of obtaining voluntary auto insurance.

Insurance under the CASCO program is not regulated at the state level.

Expert opinion

Natalya Alekseevna

Each insurance company develops its own rules for voluntary car insurance, including, among other things, a limit on the age of vehicles that are insured.

Therefore, before insuring an old car, you will have to take an interest in the insurance rules of different insurers.

If we talk about the current trend, then most insurance companies set the maximum age limit at the following level:

not older than 7 years for domestically produced cars;

Having a car of this age, the car owner can count on the registration of any comprehensive CASCO insurance programs. Moreover, with the inclusion of an option that allows you to receive payments without depreciation. And for transport with age, this is very important.

Types of car insurance.

If the age of the car exceeds the limit set by the company, then an individual insurance contract can be concluded with the car owner, which has higher rates or special conditions.

Most often, insurers put forward the following conditions:

Mandatory presence of a deductible - the amount that the insurer will not pay to compensate for the damage. Repairs for this amount are covered by the owner of the car with personal funds.
Parts may change to non-original. In other words, from another manufacturer, and not the official manufacturer for a specific model and brand of cars.
Parts may be repaired instead of replaced.

In order to benefit from CASCO insurance, the car owner of an old car needs to spend more time than the owner of a new swallow. You will have to visit the offices of many insurers to compare their offers. As a rule, large insurance companies have more favorable insurance rules and a larger range of insurance programs.

Good luck on the roads!

Also on topic

Cheap antiviral remedy for colds, flu, orvi

Selections from magazines to an accountant

How to transfer money from an individual to a legal entity

Currency control over transactions of individuals with foreign currency

How to earn in the MTS bonus program: instructions and practical experience MTS accrues bonuses