We offer you the most demanded RESO-Garantia product - the RESOauto policy (car hull).
Who and what can be insured under the "RESOauto" policy?
Any cars (even before registration with the traffic police) from theft and damage as a result of a traffic accident, fire, explosion, natural disasters, falling objects (including snow and ice), falling stones, as well as as a result of illegal actions of third parties.
Additional installed equipment.
The driver and passengers from the accident.
Civil liability of the driver in the amount of up to 30 million rubles.
The auto hull policy guarantees:
How does insurance cover work?
At your choice, you will have your car restored or you will be paid for the repairs you have made.
You can choose three options for indemnification for the risk of "damage", which also affects the cost of the insurance policy:
1. Payment for repairs at the service station of official dealers in the direction of the insurance company;
2. Payment of bills for actually performed repairs at the service station of an official dealer at the option of the insured;
3. Payment for repairs at service stations that are not official dealers, in the direction of the insurance company.
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* You can find out about the possibility of this method of payment in your branch.
Information about services is not the final offer of RESO-Garantia. The conditions for their provision, as well as the payment of compensation, are fully specified in the Insurance Rules. It is not a public offer.
Almost all modern companies have their own Internet portals that promote the promotion of goods and services to the masses. And from the moment the electronic version of the auto civil liability policy acquired the status of a legal document, insurance companies have launched new projects for its online sale with full legal support. The largest insurance company RESO-Garantia is the leader among competitors in the insurance segment, and one of the first to issue and sell electronic CMTPL and CASCO policies.
According to the amendment to the law No. 40-FZ dated April 25, 2002, insurance companies' clients now have the opportunity to apply for OSAGO and CASCO insurance online, which significantly saves time, since you can purchase an electronic policy without leaving your home. One of the first companies to provide this service was RESO online auto insurance.
What is online auto insurance from SK RESO-Garantia
This is a calculator program with which everyone can calculate the total amount and monthly insurance premiums (or payments at other intervals), as well as order a policy that has identical rights, like an analogue issued in one of the branches of RESO-Garantia institutions.
Who can apply for e-insurance
Any car owner, even if he is not a RESO-Garantia client, if he is not a beginner. Drivers who have just sat behind the wheel will initially have to personally contact the company's central office. After the first official application, they can issue insurance electronically on the general rights on the website.
How to issue
You need to go to the official portal "e police reso ru", register, get a one-time password to your phone number and fill out a special form. All actions are accompanied by detailed step-by-step instructions.
Next, you need to enter passport data, information about the car, its market valuation, region of registration of the car, select the appropriate program, insurance period, etc., after which you can get a full calculation of the amount for the policy.
After filling out the questionnaire, the data will be checked for some time, if approved, the client pays for the policy using a bank card, enters his personal account again and downloads the finished policy.
Some nuances to help customers
Many car owners are afraid to take out RESO car insurance online, preferring to visit insurance branches in person, and it’s completely in vain. The electronic policy is no different from the standard paper version, while it does not cancel it and has an identical price. Additionally, to help customers, RESO-Garantia provides a list of answers to frequently asked questions.
Helpful answers to common questions
- How to present the electronic version of the policy to the traffic police officer? Print it out and take it with you in your car.
- What should I do if there are difficulties with data verification when applying for a policy? Such cases are extremely rare, but if this situation has occurred, you can arrange home delivery or drive up to the central office.
- Is it possible to add a new driver when renewing? Can.
- What should I do if an Adobe software product says “unknown” when verifying a signature? This does not always mean that the signature is invalid, most often, this program needs an update.
- Where can I contact in case of technical problems on the portal? To the technical support service on the website [email protected]
Auto insurance through the Internet portal from the RESO-Garantia company is a convenient service that is completely identical to personal registration in offices. It allows you to calculate the total amount in detail and quickly receive a document without leaving the apartment. The dispatcher service works around the clock, additionally it is possible to include a tow truck call in the insurance, discounts are practiced.
How can I buy OSAGO e-insurance online at RESO?
For everyone who is interested in e-OSAGO insurance in RESO-Garantia, you can buy it online on the official website of the company. According to many users and clients, the portal interface is somewhat difficult to understand, errors constantly pop up, so you need to clearly follow the sequence of actions that will be discussed below.
Instructions on how to buy OSAGO electronic insurance online at RESO-Garantia
"RESO-Garantiya" is one of the largest insurance companies, carrying out all types of activities in this segment, among which compulsory OSAGO insurance is in the first positions. For a better understanding of the entire procedure for issuing an e-OSAGO policy, as experts recommend, it is necessary to try to carry out all the actions in another company, to make a preliminary calculation of the cost of OSAGO insurance. This approach will help to see the error and correct it in time. Given the fact that a large number of clients use the company's services, system freezes are possible, from which confirmation codes and other messages do not always arrive correctly.
Registration on the portal
A new client needs to strictly follow the sequence of actions. Often, customers who first contact this insurance company confuse two concepts: buying and selling online. Therefore, when choosing the item "Issue an OSAGO policy" online, use "Renew the policy on the Internet", even if you are performing the operation for the first time.
Then registration is performed with real data about the driver. Do not forget to agree to the processing of personal information and enter the captcha from the picture.
Then you need to click "Check data". On the newly opened page, enter your username and password. The login is a phone number without an 8. Be sure to indicate the e-mail address to which the issued e-OSAGO policy will be sent. The password is thought up for the login, but the password from the SMS message that came to the phone is additionally entered.
Click on "Register". Further development of events is possible in two scenarios: the user will be successfully registered or a window will appear indicating an error.
The presence of an error is not a fact of the absence of registration. Registration, as a rule, is successful and you can enter the "Personal Account". The window with an error and the absence of confirmation codes via SMS may be due to server overload or browser inconsistency. As practice has shown, the best stable operation of the service occurs in the Internet Explorer browser. When such a window pops up, it is best to continue working the next day.
Issuance of an OSAGO insurance policy
How to properly issue an electronic policy, for this you need to go to the "Personal Account". Next, enter your login and password, the system will request a one-time password, which will be sent as an SMS message to your phone. Only after that you can go to the portal for further actions.
On the left we find "Issue a policy" and click LMB.
For the company's clients who had OSAGO, a complete list of documents is immediately opened. If you have a policy with a valid term, you can click on "Renew" in the last column. When applying for insurance for the first time or overdue, you must enter all the data in a special form.
If the OSAGO policy has already been issued in any other company, then it is necessary to ensure that the data match, since the old information is stored in the PCA.
Attention! In case of loss of a driver's license, the date of the VU means the date of issue of the primary documents. And look at the number of the diagnostic card on the reverse side in the notes (21-digit number).
After filling in all the fields, you need to click on "Calculate". A number will appear corresponding to the cost of the OSAGO policy. Then you should save everything. At this stage, a window may appear with an error indicating that it did not pass the check in the AIS SAR. Why this happens and what to do, we will consider later.
In case of successful verification, a window will appear with a proposal to pay for insurance with a bank card. If you do not complete immediately, then at 12 o'clock at night everything will be canceled, and you will have to go through the registration procedure again. After paying for the policy, a window will appear from where you can download it.
The result is the following
It is this document that must be constantly with the driver.
What to do if an error occurs: "It did not pass the check in the AIS RSA"?
Having decided to buy online OSAGO electronic insurance at RESO-Garantia, the user often encounters an error issued by the system that the information has not been verified in the centralized PCA system. The reason is that the entered data does not correspond to the information in the PCA database.
Main reasons:
- A data entry error has been made. An incorrectly entered one letter or number is enough. Some portals of insurance companies, if filled incorrectly, immediately display an error.
- Discrepancies in any document, sometimes due to a discrepancy in the Certificate of Registration and Title. If you already have a policy, then you should check all the points with the old document.
- The agent could have made a mistake during the previous registration of the OSAGO policy, and it is still stored in the database. Contact Support. Such questions are considered within two days.
As you can see, there can be many reasons for the error. Most often this happens due to a discrepancy between the information entered by the motorist and the PCA base, which is an inaccuracy made by the previous agent. And if an error is found, after receiving the e-OSAGO, you should definitely contact the insurance company and prove your case, thereby protecting yourself in case of an accident. You should buy a policy only if all the information is entered correctly, otherwise the document may be invalidated. Due to the large number of questions that arise, the company has collected them together in the column “Questions and answers to the OSAGO policy”, so before contacting support, study this section.
RESO-Garantia is one of the largest companies in Russia. Its branches are scattered throughout the country. Therefore, if errors occur when issuing an electronic OSAGO policy, it is best to contact the physical office, especially if the inaccuracy has already been identified. Insurance via the Internet has the main advantages: save your time, as well as check all the entered data in detail and carefully.
How can I use the calculator for calculating OSAGO 2016-2017 from the company "RESO-Garantia"
The RESO-Garantiya company is known for stable payments for insured events, which has a positive effect on customer confidence. The MTPL policy 2016-2017 compares favorably with analogues of other companies in that it makes all payments to the injured party without the participation of intermediaries. In addition, it is possible to obtain additional insurance that allows you to compensate for damage to third parties. To find out the cost of the policy, you can apply the calculation of auto insurance using the 2017 calculator, which is located on the company's website.
Features of issuing an OSAGO 2016-2017 policy using an online calculator
Many companies offer to calculate OSAGO, including the RESO-Garantiya company, however, it still provides direct compensation for damage. Insurance payments are made within seven days. At the same time, the clients of the organization do not have to deal with other insurance companies in case of an accident. If there were only two participants in the accident and property was damaged, and not people, then a simplified version of registration without the police is provided, which saves nerves and time.
To do this, you need to apply to the insurance company for an OSAGO policy in advance. To go through the registration procedure, you will need a passport, technical documentation for the vehicle, a driver's license and a previous insurance document. Then, on the RESO-Garantia website, you can go to the calculator for calculating OSAGO 2016-2017.
In order for the calculations to be carried out correctly, it is necessary to fill in all the fields in this program. At the end, the amount to be paid will be shown. The following are the items you need to complete:
- It should be noted who is the owner of the transport.
- The vehicle type is selected. Be sure to indicate the trailer design, if available.
- You need to specify the power of the motor.
- Be sure to indicate the term of the contract for the calculation.
- The period of use of the vehicle also matters.
- It is worth specifying the class of safety. This factor may affect the receipt of the discount.
- The region must be selected according to the registration, as well as the settlement.
- Be sure to indicate whether there were any violations of the terms of the insurance contract.
- If the transport will be driven by different drivers, for example, a bus, then the “no restrictions” checkbox should be checked.
To use the calculator for OSAGO, you need to go to the RESO-Garantia website. On the site you can read what requirements are put forward to the company's customers, as well as the necessary conditions and procedure for processing documentation.
If you have any questions, you should contact the company's employees who can advise around the clock. If the conditions and procedure for calculating compensation funds are clear, then you can analyze the required amount of monthly deductions. For this, you will need an OSAGO calculator.
After all the fields are filled in, the company's employees will check the information provided by the client. When the verification is completed, a message will be sent to the phone stating that the verification is completed. A password will also be sent to enter your personal account on the site.
In addition, information on existing contracts will be provided. In this case, the document can simply be extended.
After all work is completed, you will need to pay the bill using a bank card. Then you need to go to your personal account, download the finished document and print it.
What affects the cost of an OSAGO policy
The following factors affect the cost of an auto civil liability policy:
- Transport power.
- Purposes of application.
- Region of residence.
- The number of people who can drive this vehicle.
- Experience and age.
- Seasonality of application.
- The number of insured events in the past period. If there were none, then the cost will be lower.
With the right approach, you can make calculations and get insurance in the company very quickly using a calculator. If desired, the delivery of the document can be ordered at home. "RESO-Garantia" provides full information about the services provided.
How to correctly calculate CASCO from IC "RESO-Garantiya": using a calculator
A car is not only a means of transportation, but also a source of a certain risk, which is why the owner needs to insure his vehicle. When choosing insurance from RESO-Garantia, you can calculate CASCO in a simple way. You can find out what the price of auto insurance will be using a special calculator on the company's website.
Benefits of insurance in the company "RESO-Garantiya"
Buying CASCO is a guarantee against theft and damage to the vehicle. The insurance policy allows you to restore the vehicle in special authorized means.
CASCO provides insurance for any vehicle against damage, fire, theft and natural disasters. At the same time, additional insurance of passengers and drivers against accidents is assumed. This protective mechanism allows you to expand some of the possibilities of OSAGO.
RESO-Garantia insurance has certain advantages:
- Payments are made without certificates from the traffic police.
- Payment in installments is possible, while the cost of the policy does not increase.
- Providing special discounts for regular customers.
- Possibility to use a calculator to calculate CASCO.
- A special option that provides full reimbursement for theft of a vehicle.
- You can buy a policy at any branch of the company or make an online order on the website.
- If it is necessary to extend the document, a deferral of 15 days is offered, during which time the fee can be paid.
- The choice of payment methods in the event of an insured event.
IC "RESO-Garantiya" offers its customers an additional program "Resoavto", according to which you can evacuate a car, call an emergency service or call a specialist in the event of an accident.
How to calculate CASCO
To find out the cost of the policy, you can use the CASCO calculator or contact the nearest office of the company. If, nevertheless, the motorist decided to calculate the cost online in 2017, he needs to enter the following data:
- Characteristics of the vehicle.
- Insurance conditions.
- Driver data.
- Liability and conditions of compensation.
- To perform the calculation, you must enter the period for which the policy is taken. The name of the previous company is indicated, and information about the owner is also entered.
You can pay for insurance both immediately and in installments in equal installments.
In a situation where the transport is pledged, it is necessary to indicate the institution in which it is pledged. In addition, indicate the type of car, year of purchase and production, as well as mileage. Be sure to indicate the people who may be admitted to management. It is required to fill in the driver's experience and the presence of anti-theft devices. It is important to choose the type of payment for potential repairs.
If you choose and arrange a profitable version of the program in a timely manner, you can fully compensate for your losses in any unpleasant situation.
CAR-TOTAL from "RESO-Garantiya": registration, procedure for participation in the auction
"CAR-TOTAL RESO" - an innovative development of the insurance company, designed to sell the remains of cars that belonged to the company's customers. Online auction is available to anyone who has registered on the site. In order for users to receive answers to questions about the operation of the auction, it is possible to send a letter to the address [email protected] by tagging "FAQ" in the subject line.
How to register on the site
Auction "CAR-TOTAL" from "RESO-Garantia" is available only to registered users of the site. You need to go here and click on "Register":
A form will open for you to fill out:
All data must correspond to those indicated in the passport.
To complete accreditation, you must present your passport at the office (in Moscow or St. Petersburg). The second option is to send [email protected] from the address provided at the time of filling out the form, scanned color pages containing personal data and information about the place of registration. To complete the registration, an employee of the company contacts the client by phone.
If the registration is successful, you can view the site on the site or visit the parking lot (during the auction once a day), inviting a friend with a passport. There are only two parking lots: on the highway passage in Moscow and in the Vsevolozhsk district of the Leningrad region.
How the CAR-TOTAL RESO auction works
Each lot has a minimum cost and step. The auction will become available after the lot is selected and the application is submitted. Notices of terms and conditions are published separately for each lot on the company's website (in the "Auctions" section). Before replacing the bid, each participant can inspect the lot at the parking lot (the address is indicated on the card). When placing a bet, you must take into account that the increase must correspond to the step. You can refuse further participation, provided that the rate is not the highest and not the second.
The auction ends the moment someone offers the best price. If there is no time to participate in the auction, you can set the system to the maximum cost and step. Offers will be generated automatically. Lots for which no bid is offered are reduced in value by 20%.
The winner is the participant who offered the highest price. If it is lower than the one set by the seller, the winner and the participant who offered the second largest bid are offered a buyout at its price. If the winner refuses to buy, the second participant can buy the lot.
Payment for the lot in cash or by bank transfer must be made no later than 3 days after signing the contract. If the winner refuses to pay, the account is blocked for six months. It is necessary to withdraw the vehicle from the parking lot within 3 days (counting from the date of payment). If the deadlines are not met, a fine of 500 rubles is charged. per day.
An auction is an event where prices are formed depending on the damage to the car. The advantage of RESO-Garantia is that it is possible to inspect the lot at the parking lot. This reduces the risk of acquiring damage to the vehicle, which is higher than declared by the organizer.
Conclusion
RESO-Garantia insurance company stands guard over the safety of life and health, the vehicle and other equally important points. Convenient programs have been developed for the car enthusiast, with the help of which he can easily find out the cost of an OSAGO or CASCO policy, purchase it at the office or online, and also purchase a car by participating in an auction.
Recently, the sale of broken cars, and, in particular, by insurance companies, is gaining more and more popularity. This process is quite complicated and consists of several successive stages, which are certain activities that are mandatory. Previously, this was done by resellers or private individuals on an individual basis. Buying a broken car from an insurance company has clear advantages, however, it is not without drawbacks.
How do insurance companies repurchase wrecked cars after an accident?
Those who have been in an accident can be redeemed by the insurers themselves. This happens as follows: the appraiser of the insurance company evaluates the car offered for redemption by the owner. The residual value, including damages and associated fees, is paid to the owner. The rights of use and disposal are transferred to the insurance company.
All sorts of cars are bought up: with partial breakdowns and in emergency condition, after an accident, not subject to recovery, i.e. total destruction, with very serious damage. However, in order to buy back a broken car several conditions must be met:
- the car must have a complete package of documents;
- the car must not be pledged to a leasing company or purchased on credit, the principal debt of which has not yet been repaid;
- the car should not be wanted, you can check this by breaking it through the general database of the official website of the traffic police service;
- against the owner of the car should not be prosecuted criminally or otherwise.
The car will be repurchased by the insurance company only if all of the above conditions are met.
The owner of a broken car frees himself from the additional hassle associated with repairing vehicles or selling them. In its turn, acquires the additional status of a site for the sale of broken cars on a par with car markets, car pawnshops for their further sale in parts or restoration and operation.
The purchase of wrecked cars by insurance companies can occur in two ways:
- the old owner independently delivers the car to the specified place incurring costs at his own expense;
- arrives at the location of the car for its inspection and evaluation, after which, having completed the necessary documentation on the spot, he organizes the delivery of the car at the expense of the insurance company to the designated place.
In the second case, the amount for the services rendered is calculated from the residual value of the car, which is supposed to be paid to the former owner.
The need to buy a broken car
Today, consumers are presented with the widest choice of domestic or foreign-made cars, various brands, models, capacity, class and in various price ranges. Cars are sold both at prices affordable to middle-income citizens and at prices affordable only to high-income individuals. Few are interested in buying a broken car, this is a second-class product, used and not having high enough characteristics. The purchase of a car that has been in an accident can be caused by the following reasons:
- for subsequent restoration and operation;
- for dismantling into spare parts in order to use them for the repair of another car or cars;
- for dismantling for parts with a view to their resale.
When buying a broken car from an insurance company, it is better to seek help from independent experts who will determine the real condition of the car, as well as the real cost of its subsequent repair, if possible. Despite the fact that any insurance intermediary company involved in the sale of broken cars has an appraiser, you should play it safe once again.
Damaged car before and after repair
The need to repair a broken car with subsequent operation can be caused, for example, by the desire of its new owner to make the most of the new car, "squeezing" all the possibilities out of it, and at the same time not have any special losses in case of its further damage. These can be young drivers, racers, etc.
In general, both individuals and legal entities, and rather large companies, can be potential buyers of broken cars.
Calculation of the residual value of a broken car
Calculating the residual value of a car that has been in an accident is a rather laborious process., often in which several specialists take part simultaneously: appraisers, mechanics, other specialists.
Calculating the cost of broken modern cars requires a special approach, as they are equipped with electronics, electrics, advanced engine control units and other complex mechanisms. The calculation of the cost of broken Soviet-style cars is simpler.
For the precise process, the specialists involved not only use an in-depth knowledge of the mechanisms, but also special equipment.
From the real value of a new unbeaten car of a certain make and model, the amount that is supposedly needed for restoration (repair) is subtracted - indicator A. From this amount, it is necessary to calculate 10% due to the insurance company as a commission - index B. In addition, the wear coefficient of the car is calculated, which is also subtracted as a certain amount - indicator C. We get the formula: A - B - C \u003d D.
In addition to the specified calculation, you can make a control call of other companies and work out a comparative analysis of the prices that they offered.
Options for selling wrecked cars by insurance companies - auctions
You can buy a broken car from the following ways:
- at special sites;
- on special sites;
- at auctions.
Each method has advantages and disadvantages. Considering options for broken cars on sites, there is no possibility of visual inspection of a particular vehicle, which may entail unnecessary unforeseen costs in the future.
It is quite convenient to choose a broken car offered at special sites - auctions. Broken cars offered to buyers are exhibited on a certain area. Visitors on any issues are supervised by consultants working in the market. When buying, documents are drawn up on the spot or at the office of the insurance company.
When purchasing a broken car at a special site, the buyer has the right to involve independent experts from his side to confirm the assessment made by the insurance company's specialists, its compliance with reality.
Recently, the auction sale of broken cars has become increasingly popular. This method saves time for both parties: a potential seller - an insurance company, and a potential buyer - an individual or legal entity.
On special sites that sell wrecked cars at auction, the insurance company places an advertisement for the sale of a vehicle of a certain make and model, which is simultaneously seen by all potential solvent buyers. By filling out the proposed form, they offer their terms of purchase. After that, the insurance company chooses the most optimal offers. The organizers of the auction notify the potential buyer. On some sites, the procedure for buying and selling broken cars is a little complicated with additional procedures.
Settlement with the seller (insurance company) can be made in cash or non-cash in accordance with the agreement of the parties.
Pros and cons of buying out from insurance companies
There are both pluses and minuses in making this transaction for the buyer. When purchasing a broken car, even from an insurance company, you must be extremely careful and vigilant.
Pros:
- saving money when buying a car;
- saving time when checking documents, as the insurance company provides the buyer with all the necessary documents;
- the vehicle has been checked for theft;
- the vehicle is protected from the rights of third parties.
Minuses:
- subsequent car repairs in the event of a breakdown can be quite expensive;
- the risk of a car breakdown at the most inopportune time;
- the need to pass after the repair.
When purchasing a used car, even from an insurance company, money must be transferred only after the car is re-registered by the traffic police with full confirmation of the correctness of the paperwork by the Inspectorate employee.
Legal regulation of the sale of broken cars by insurance companies
To date, the sale of cars that have been in an accident, subject to full or partial repair, or not subject to repair at all, is officially allowed for sale.
If a broken car is to be restored, it must undergo a technical inspection before it can be used.
Necessary documents for the sale of a broken car
In the event of disputes arising in connection with the discrepancy between the legality of concluding a contract for the sale of a broken car, they are resolved in court, where the plaintiff is the buyer - an individual or legal entity, and the defendant is the seller - engaged in the sale of broken cars.
Damaged cars from insurance companies consequences of accidents video
Selling a wrecked car is a rather specific process, in which both one and the other parties want to benefit from it as much as possible. In order to make the transaction as profitable as possible for both one party and the other, it is necessary to follow the procedure for its completion at all stages in accordance with the established rules and current legislation.