dream interpretation 

Casco features from Sberbank. Casco car insurance at Sberbank

By issuing CASCO together with a car loan, the client agrees to comply with the established rules. As a rule, the provisions on the obligations of the parties are indicated in the policy; actions will be noted there in the event of an insured event. To purchase a CASCO policy at Sberbank Insurance, you must contact one of the many branches represented throughout the country, or contact insurance agents.

This policy can be issued by providing the insurer with a package of documents for the owner of the car:

  • loan agreement;
  • purchase and sale;
  • personal documents (passport, TIN);
  • driver's license;
  • obligatory OSAGO insurance policy;
  • with driving history
  • if there are several drivers, then driver's licenses.

Documents for the car: technical passport for the car, as well as additionally installed equipment (alarm, anti-theft).

The conclusion of the contract takes place simultaneously with the conclusion of the loan agreement, after which the policy is handed out.

The cost of insurance is formed from data about the car and the driver (or about everyone who has access to driving):

  • car price;
  • brand, equipment;
  • specifications;
  • age and gender of drivers;
  • driving experience;
  • driving history;
  • accident-free driving;
  • having a franchise.

This company insures cars that customers take on credit, while insuring new cars from the salon, used cars up to 10 years if of foreign origin, and less than 5 years for the domestic auto industry.

In order to activate the purchased policy and check its authenticity, just go to the official website of Sberbank Insurance and click on this item in the menu, which is highlighted with a large button. The Sberbank website allows you to quickly make sure that the policy is valid.

How to save money on CASCO at Sberbank? Franchise

Of course, Sberbank's restrictions on CASCO insurance do not allow you to use all CASCO programs from insurance companies. Nevertheless, ways to save on the cost of the policy still remain.

The first way to reduce
the cost of CASCO for a new car on credit is a franchise. CASCO with a franchise is a type of insurance where the client assumes part of the obligation to compensate for damage in the event of an insured event.

For example, with a franchise of 5,000 rubles, the client will pay for repairs within this amount on his own and pay it if the cost of repairs turns out to be higher. The rest will be paid by the insurance company.

CASCO with a franchise for a car loan is an interesting tool to reduce the cost of the policy. A good, "correct" deductible reduces the cost of the policy by an amount that is 2 times the amount of the deductible itself. And in the case of expensive cars, it can exceed 5 times.

3%, but not more than 15 thousand rubles for cars worth up to 900 thousand rubles;

2%, but not more than 30 thousand rubles for cars worth more than 900 thousand rubles.

Another way to save on mandatory CASCO for a car loan at Sberbank is residual value insurance. The bottom line is that you insure the car not for its full value, but for the amount that you must pay to the bank to repay the car loan.

READ ALSO: Insurance coverage for compulsory health insurance

For example, if the amount of debt on a loan is 200,000 rubles, and the cost of a car is 500,000 rubles, then you can easily make CASCO insurance for 200,000 rubles. The bank does not lose anything from this, therefore it allows such insurance.

However, it is your risks that will increase in this case. After all, if, for example, your car is stolen, then you personally will not receive a payment.

Find out more about
theft insurance.
.

Therefore, it is worthwhile to carefully approach the choice of funds to save on CASCO insurance with a car loan.

The deductible in CAR CASCO insurance is a part of the indemnity that the insurance company does not pay. With a franchise, a CASCO policy will be cheaper.

But. It is not for nothing that every insurer diligently offers a franchise to a motorist.

With his consent, its cost will be stipulated in the contract. There is a conditional and unconditional franchise.

The first assumes that when the damage to the car exceeds the amount of the deductible, the car owner receives a full compensation for CASCO. But if the damage is less than the deductible, he gets nothing.

For example, you took a franchise for 15 thousand rubles. Your car was damaged in an accident for no more than this amount. Then the insurer will not restore the car. But if you bring a check for 16 thousand or more from a car service, insurance will compensate everything in full.

The unconditional deductible is deducted from the total loss caused to the car. In an insured event, the IC client will receive the amount minus the cost of the franchise.

That is, if the deductible is 20 thousand rubles, and the damage to the car is 50, the car owner will be paid only 30 thousand. It would seem that there is a benefit for the insurance company.

Not really. Firstly, the franchise significantly reduces the cost of the CASCO policy itself.

Secondly, it is beneficial for those who rarely get into minor accidents.

Drawing up an insurance contract

CASCO insurance is usually taken for one year. True, shorter periods are allowed - up to six months.

To draw up an agreement, the car owner provides a package of documents: a Russian passport, a driver's license, a registration certificate for a car, as well as a vehicle registration certificate. If someone else will drive the car, you need to show his rights and a power of attorney for him.

As usual, the sum insured is the value of the vehicle on the market. It is paid in Russian rubles in cash or transferred to the account of the service center.

Types of insurance services

When visiting the office of the insurance company, you will be offered several CASCO options. All of them will be different in cost and conditions.

  1. Full insurance will protect the car owner from all possible risks. Such insurance will cost a pretty penny, but the car will be protected from any troubles. Even a tow truck at the expense of the company.
  2. Partial, as the name implies, gives the right to choose. The driver himself determines from what incidents to protect the car. For example, it removes “theft” from the list, leaving only damage. The price of insurance, respectively, is reduced.
  3. Non-aggregate CASCO. The insured will receive the full amount of funds to cover the damage for as long as required.
  4. With aggregate CASCO, the repeated payment in case of another insured event will be less. And for the amount that was paid earlier. Aggregate insurance is cheaper and more convenient for experienced drivers.
  5. Insurance with a deductible - it has already been explained in detail above.

When buying a car, a person always worries about the fact that it can be stolen, spoiled. Another danger is causing damage to the car as a result of an accident. In such situations, many people decide to spend money on buying CASCO insurance, thereby protecting themselves from possible troubles. The decision to purchase this document is voluntary for those citizens who bought a car with their own money. In this case, the choice can be made in favor of:

  • full package of risks;
  • some risks.

If the car is bought on the terms of taking a car loan from a bank, then the situation changes. A clause on compulsory CASCO insurance appears in the agreement between the credit institution and the borrower. Most often this happens when purchasing a new car.

What does auto insurance give?

Insurance has two sides of the coin. On the one hand, of course, security is a definite plus. On the other hand, this is an additional cost item, and a significant item. When buying an expensive car, the owner must understand that insurance will cost him dearly. Especially if he buys a car on credit.

In the search for information about the cost of insurance, you will not be able to find a definite answer. For each specific case, it is calculated separately. This takes into account factors such as:

  • brand of the chosen car;
  • experience of the owner of the car;
  • the number of drivers indicated in the insurance;
  • selected risks and others.

For an approximate calculation of the cost, you can use a special online calculator. On average, it is about 5-8% per year of the price of the car. For many, this amount is quite big.

To get the most favorable conditions, you can contact Sberbank of Russia. They have developed special conditions for purchasing a CASCO policy for customers who have taken a car loan from the bank. At the same time, the approximate cost of insurance must be included in the amount received on credit for the purchase of a car.

Sberbank: CASCO insurance

When buying a car on credit from Sberbank, the borrower must understand that the purchase of CASCO is mandatory for him. At the same time, you can buy a new or used car with the allocated money. The conditions are the same for cars produced in Russia or abroad. In this case, it will be possible to buy a vehicle only at a car dealership that was previously accredited by Sberbank.

The client should not forget that a used car must be produced no more than 10 years ago if it is a foreign car, and no more than 5 years ago if it is a domestic or Chinese model.

Conditions for a CASCO car loan at Sberbank

I would like to outline the most important conditions for car loans:

  • you can take a loan for a period of 3 months to 5 years;
  • the loan amount cannot be less than 45 thousand rubles;
  • a loan can be taken in the amount of not more than 5 million rubles;
  • the borrower himself must pay as a down payment an amount of at least 15% of the total cost of the purchased car;
  • the interest rate is set for each client individually, it can vary from 13.5 to 16%;
  • if the borrower can independently contribute no more than 30% of the cost of the car, then he must additionally submit documents that would confirm that the future car owner has his own sources of income.

At the same time, the borrower must understand that while he pays off the car loan, the purchase of CASCO insurance will be his obligation. There is no way to avoid this condition.

A person should approach the decision to take a car loan very carefully. We must not forget that a new source of expenses for the purchase of compulsory insurance will appear. It is worth using a calculator in advance to calculate your future expenses.

Buying a Franchise - Real Savings

Sberbank is interested in reducing the cost of purchasing insurance for its borrowers. After all, some of them may refuse to take a loan just because the cost of insurance is too high. Not everyone has the ability to cut costs.

A great way to save money on buying insurance is a franchise. In this case, the cost of the policy can be reduced by up to 70%, depending on which insurance company the bank works with. Citizens who meet the following requirements can receive a discount:

  • no accidents involving the driver;
  • sufficient driving experience;
  • driving accuracy.

To reduce costs, a person only needs to register a franchise. At the same time, he will additionally receive a discount for trouble-free operation. All this will allow you to purchase a policy on the most favorable terms. If the car is stolen, the owner will be reimbursed the cost in full.

Types of insurance franchises

There are the following types of insurance franchises:

  1. Dynamic. The amount of payments for it may decrease depending on how many times an insured event occurred (for example, for 1 - the full cost, for 2 - 95%, for 3 - 90%, etc.).
  2. High. This applies to very large amounts. So, the insurance company pays for the repair, and after that the client reimburses its cost.
  3. Temporary. In the event of an insured event during the franchise period, the client pays for the damage on his own, and for the rest of the time - his insurance company.
  4. Preferential. It is used if the client himself is to blame for the accident. The rest of the cases are paid in full, excluding the deductible.

A few words about the insurance company of Sberbank

Not so long ago, Sberbank acquired its own insurance company, Alliance Life, which was later renamed Sberbank Insurance. It happened in 2012. Thus, the bank began to develop in another area of ​​activity - the provision of insurance services. Customers of Sberbank can use the company's products. Across the country, more than 750 branches provide these services and almost 150 central offices.

Often in the statistics of search engines and on forums you can find the question: “Is it possible to get a car loan at Sberbank without CASCO?” For future borrowers, this is a very important issue., since the cost of an insurance policy can reach 10% of the car, and it will have to be issued annually. Sberbank is the largest financial institution, and many would like to get a loan here. How to get a car loan without CASCO at Sberbank?

Reasons for compulsory insurance

Unfortunately, today Sberbank does not provide a car loan without CASCO at all. Any program operating in this organization, including lending to commercial vehicles, requires mandatory insurance. The bank is extremely categorical in this regard, even payroll clients may be offered other benefits, but insurance will remain mandatory for the entire loan term. If the borrower violates the terms of the original contract and does not provide a new policy within the prescribed period, the bank has the right to charge large fines.

It is no coincidence that Sberbank requires CASCO for a car loan. The fact is that insurance is a guarantee of loan repayment, since the car becomes collateral. For the entire period of lending, the title of the car must remain in the bank until the borrower repays the balance of the loan amount with all interest.

Why do banks need insurance?

  • Unlike the OSAGO policy, the CASCO policy covers a much wider range of risks. Compensation for it will be paid not only after an accident, but also in case of fire, explosion, all kinds of natural disasters and accidents. In addition, compensation will be paid in case of theft and theft, and for a new foreign car, this is also a very serious risk.
  • If the car is destroyed in an accident or stolen, the bank becomes the beneficiary of the insurance and receives the full amount of compensation equal to the balance of the debt. If there are any remaining funds, the borrower will be able to get their hands on them. If compensation is paid under OSAGO, it may not be enough to pay off the debt, and it is not known when the bank will be able to return the invested funds.
  • Insurance is another measure of the driver's responsibility. The more carefully he drives, and the more carefully he handles the collateral, the cheaper insurance will be for him for next year. For the bank, this is an opportunity to keep the collateral intact in case of a possible resale to pay off the debt.
Although CASCO is quite expensive for a car loan at Sberbank, this is a profitable insurance program for the borrower himself, especially if he has a short driving experience. Minor accidents are inevitable, but you won't have to pay for them out of your own pocket. Practice shows that in the first year you have to contact the insurance company several times, so at least part of the cost of insurance will inevitably pay off.

If a serious accident occurs that even the most experienced driver cannot predict, the insurance policy will help either cover all repair costs or completely pay off the debt to the bank. At the same time, the motorist will lose the car, but he will not have to pay off the debt in the future, the subject of collateral for which does not exist. If it were possible to get a car loan without CASCO at Sberbank of Russia, the client would be in an extremely difficult situation during an accident: the car was broken, and you have to pay for its repair yourself. This process can drag on for many months, and the loan at this time still needs to be repaid.

A CASCO policy can be issued in one of the accredited companies, and the bank offers a fairly large list. If the bank has accredited the insurance company, then you can trust it, and in the event of an insured event, you can really get sufficient compensation.

Banks offering car loans without CASCO

If the driver considers himself experienced enough to drive without insurance, you can turn to the programs of other banks. A car loan without CASCO in Pskov cannot be issued at Sberbank, but the borrower will be able to use the services of a number of other credit organizations. In this case, a car loan will cost much more: the standard rate at Sberbank is 14.5-16% per annum. Compare these percentages with the cost of a car loan in other banks:

  • In the Eastern Express Bank, you can get a loan to buy a car without a down payment and insurance in the amount of up to 500,000 rubles. The loan can be granted for up to 7 years, the most favorable conditions are offered to women borrowers. This bank does not impose restrictions on the choice of a car: unlike Sberbank, it can be used to purchase vehicles even from private sellers. However, the minimum cost of a car loan is 27.5% per annum.
  • The AutoExpress program is offered by VTB24. This is a loan product that can be used to purchase a new or used foreign car at a rate of 25% per annum without confirmation of solvency and without CASCO. The first installment on such a loan must be at least a quarter of the cost of the entire car.
  • In Home Credit Bank, you can get a cash loan in the amount of up to half a million rubles. It can be used to purchase any type of transport, including used domestic cars. The loan rate will be 23.9% per annum, the loan term can reach 5 years.
When applying for a car loan without CASCO, the borrower takes on a double risk: he will be obliged to pay for the loan taken at a higher rate and, in addition, pay for each repair operation after breakdowns, minor and major accidents. As a result, it can cost even more than a classic car loan with an insurance policy.

If you want to use Sberbank's car loan programs, you will have to pay for an insurance policy. But in the long run, this may turn out to be an even more profitable option for the borrower, especially if he happens to get into a major accident during the loan period.

Most people who buy a new car are always concerned about the risk of it being lost, stolen, or damaged. In this regard, a natural solution to relieve this concern is to purchase CASCO insurance, which, depending on the selected insurance package, may include compensation for all of these risks or some of them, at the choice of the insured. So in the case of buying a car for your own money, the choice is always in your hands: to purchase CASCO or to do without it.

A slightly different situation is in the situation if the source of financing for your car purchase is car loan funds. Very often, a banking institution includes the purchase of CASCO insurance as a mandatory condition for the borrower. Especially, this phenomenon is common when a borrower chooses to buy a new car.

What does the condition of compulsory CASCO insurance promise you?

Of course, leveling possible risks and foresight is always good. But, in the case of a car loan, this means that your costs will multiply by the purchased car. The fact is that such insurance is a reliable shield for the car owner, but its cost cannot be called insignificant.

The calculation of the cost of insurance is made by the insured in each case on an individual basis, since a large number of factors influence the result: the brand of car, the driving experience of the owner, the indication of several warriors in the insurance, selected risks, etc.

If you try to determine the estimated cost, then it is approximately 5-8% of the cost of a car per year. Agree, such expenses cannot go unnoticed.

Therefore, carefully studying the conditions for receiving funds, for example, according to the offers of Sberbank car loan CASCO: conditions and interest rate, you must take into account this expense item.

We propose to make the following conclusion: having seen among the conditions that a car loan promises you at Sberbank CASCO, calculate the amount of necessary funds, taking into account the purchase of not only a car, but also insurance.

Offers Sberbank CASCO car loan: conditions and interest rate

Among all offers for car loans from Sberbank, a mandatory condition for purchasing CASCO insurance is listed in one. We will not hesitate, but proceed to a detailed review of this Sberbank CASCO car loan.

Car loan "For the purchase of a used or new car"

Buy under this offer you will be presented with a possible new or used car, at your choice, left the assembly line of the domestic or foreign auto industry. You have to choose the seller of your future car from the list of car dealerships that have passed the accreditation process in Sberbank.

In the event that your decision in terms of the purchased car leaned towards a used car, then you should take into account that the year of its release should not exceed 5 years for Chinese and domestic brands, and 10 years for foreign cars.

And now the specifics or conditions of CASCO car loan Sberbank:

You can choose the refund period at your discretion in the range of at least 3 months, but not more than 5 years;

The minimum amount of car loans is 45,000 rubles;

The maximum amount of car loans is 5,000,000 rubles;

You must have your own funds for the first installment, the amount of which cannot be less than 15% of the cost of the car;

The fee for the issued car loan funds will be set in the following range of interest rates from 13.5% to 16%;

In the event that your down payment is less than 30% of the cost of the car, you will have to document the sources of your income.

You will also be given a choice: to receive the entire 100% cost of the car from a banking institution, or to encroach on receiving only 85%, as well as additionally receive funds to pay off CASCO auto insurance for at least one year.

Consider the fact that you will not succeed in cheating with the extension of CASCO during the entire term of the car loan, this will become your obligation - renewing insurance annually.

In conclusion, I would like to recommend that you thoroughly calculate the Sberbank CASCO car loan before signing an agreement with a banking institution. We urge you to act carefully, thoughtfully and carefully in making such important decisions, which, of course, is car loans.

Every individual who owns a vehicle is always worried that it may be stolen or damaged in a traffic accident. In such situations, the ideal solution to the problem would be to purchase a CASCO insurance policy from Sberbank.

This insurance is voluntary for those drivers who purchase a car on their own. At the same time, the choice can be made in favor of insurance packages with full and incomplete risks.

Dear readers! The article talks about typical ways to solve 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!

If a car is purchased on credit, then the conditions change dramatically. In the contract there is a clause on the mandatory execution of an insurance policy. Sberbank has been insuring individuals and legal entities since 2012. You can apply for the corresponding one in more than 1000 branches throughout Russia.

Service features

Car insurance within CASCO has 2 sides of the coin. On the one hand, the undoubted advantage is the full coverage of possible damage that can be caused to movable and immovable property, as well as the life and health of a road user. On the other hand, this is an additional expense item, in some cases unbearable for motorists.

When buying an expensive vehicle, each owner must understand that the execution of an insurance agreement will not be cheap. For each specific case, the amount of the insurance premium is calculated on an individual basis.

This should take into account factors such as:

  • brand of the vehicle;
  • driving experience of the owner or driver;
  • the number of persons that can be admitted to management;
  • number of selected risks.

For an approximate calculation of the cost of the contract, each potential client can use a special calculator on the official website of the company. On average, the amount of the insurance premium is not more than 8% per year of the total cost of the vehicle.

Sberbank provides car loan buyers with special insurance conditions

CASCO conditions in Sberbank

Sberbank is included in the list of accredited companies that can carry out activities in the field of motor insurance. The CASCO policy must include insurance against certain risks, including theft and complete structural loss of the vehicle.

In the case of a loan agreement, with the subsequent theft of the vehicle, part of the funds for insurance compensation goes to the bank to cover expenses, and the second part is allocated to the client. The same conditions will apply if the car is completely destroyed, but with the difference that the insurance payment will be transferred taking into account the previous wear and tear of the vehicle.

If a Sberbank client becomes a participant in a traffic accident due to the fault of a third party, then all funds for insurance compensation are allocated to the owner of the car. It should be noted that damage can only be compensated on the basis of invoices for repairs carried out at special service stations.

Sberbank does not impose additional requirements for car storage at night, but may withdraw a penny under certain circumstances. It also establishes the fact that the insurance contract can be valid throughout the territory of the Russian Federation.

If the company does not accept the policy drawn up at the conclusion of the loan agreement for the payment of insurance compensation on it, then the client can apply to the highest courts to resolve this issue. In the relevant statement of claim, it is necessary to rely on the illegality of the actions of the insurance company.

Interest rate

Sberbank offers its clients insurance programs as part of credit options for the purchase of domestic and foreign cars.

The conditions for such loans are as follows:

  • minimum loan amount 45 000 rubles;
  • maximum - up to 5 000 000 rubles;
  • the amount of the down payment is not less than 15% ;
  • interest rates are set in the range from 13.5% to 16%.

The client can independently choose the method of receiving funds from this financial institution. The most profitable way is to receive up to 85% of the loan amount - the rest goes to pay for the CASCO insurance policy.

Extension of the insurance agreement is a mandatory procedure within the framework of the lending program. The client must annually renew the contract on the terms of the bank until the car loan is repaid in full.

Big data updates

Updates from big data will allow Sberbank customers to use telemetric damage assessment programs. Such an insurance policy will be somewhat different from a standard contract. The company is just beginning to establish links with repair stations as part of the settlement of loss situations.

Also, the client will be able to use the services of special commissioners, when involved in a traffic accident, as well as draw up an agreement online, through the official website of the company.

Big Data is a single network of database operators. Sberbank of Russia will become the first insurer in the Russian Federation to use this technology for organizing work with clients. Employees of the company are already developing a mobile application for different platforms, with the help of which customers can use insurance services in real time.

Despite the fact that Sberbank has only recently started to deal with car insurance, big data will allow the organization to take a leading position in this market segment in the shortest possible time. Such a goal may be due to the presence of branches of a financial institution in each region of the country. Also, the development of the system is affected by the range of services not provided by other companies in the domestic market.

Policy Savings

The easiest way to reduce the cost of a CASCO insurance contract is a deductible. This type of insurance is a consolidation of part of the obligations for the client as part of the compensation for damage as a result of an insured event. For example, if the franchise amount is set at 10 000 rubles, then all damage within the framework of this indicator must be compensated by the insured person himself.

It should be noted that many companies operating in the insurance market deal with the payment of all other losses. When registering a franchise, you can achieve a reduction in the cost of the main contract by an amount that is 2 times higher than the cost of the franchise itself. When concluding an insurance contract for expensive vehicles, this amount can be exceeded by more than 5 times.

Sberbank, unlike many financial and insurance organizations, provides potential customers with the opportunity to obtain a franchise

With this type of insurance, there are the following clear conditions:

  • size can be up to 3% , but not more 15 000 rubles for vehicles valued at less than 900 000 rubles;
  • before 2% , but not more 30 000 rubles if the car is worth more 900 000 rubles;
  • the client must have a clean insurance history before the conclusion of the contract;
  • it is important to have driving experience 3 years.

Residual value insurance is another way to save money when making a CASCO insurance agreement from Sberbank. The bottom line is that the client insures his vehicle not for the full cost, but for the amount that must be paid in favor of a financial institution to pay off debt under a loan agreement.

For example, if the outstanding balance is 100 000 rubles, and the cost of the car 400 000 rubles, then the client can draw up a CASCO insurance agreement for 100 000 rubles. In the event of a serious traffic accident, the bank does not lose anything, and therefore allows this type of insurance.

For clients, such agreements are not beneficial. This is due to the fact that in the event of a car theft, the funds within