CASCO: Maximum Protection for Your Car
A CASCO policy is comprehensive protection for your car against most risks. Unlike CTP (OSAGO), it covers damage to your car even if you are at fault in an accident. We offer flexible programs that can be tailored to your needs.
- Risk Coverage: Damage (accidents, falling objects, natural disasters, animal actions, vandalism), Theft (hijacking, larceny), Total Loss.
- Dealership Repairs: For cars under warranty, we offer referrals for repairs at an official dealership using original parts.
- “GAP” Option: Preserves the full value of the car in case of theft or total destruction. The insurance will pay the difference between the market value and the purchase price.
- Deductible: You can significantly reduce the policy cost by choosing a deductible — the part of the damage you cover yourself.
- No Certificates Needed: Coverage for minor damages (glass, headlights, one body element) without contacting the traffic police.
With a CASCO policy from AutoGuard, you can be sure that any trouble with your car will not hit your budget.
CTP (OSAGO) Online: Fast, Convenient, Legal
Mandatory third-party liability insurance is necessary for every driver. We have made the registration process as simple as possible: receive an electronic e-CTP policy in your email 5 minutes after payment.
- Legal Limits: Coverage for damage caused to someone else’s property up to 400,000 rubles and for harm to life and health up to 500,000 rubles.
- DCTP (Voluntary Insurance): If the standard limits are not enough, you can extend the coverage up to 3,000,000 rubles.
- KBM Check: We automatically check your Bonus-Malus Coefficient and apply all due discounts for accident-free driving.
- Electronic Policy: No need to carry a paper version, just show the policy on your smartphone screen.
- Authenticity Guarantee: All policies are registered in the official RSA database.
Result: you save time, comply with the law, and are reliably protected from financial claims from victims.
Claims Settlement Process
We understand how important speed and transparency are when an insured event occurs. Our goal is to make the process of receiving payment as fast and comfortable as possible.
- Online Accident Report: You can report an insured event through your personal account on the website or in the mobile app by attaching photos of documents and damages.
- Remote Inspection: For minor damages, there is no need to go to the office — just conduct a video inspection with our specialist.
- Referral for Repairs: We issue a referral to a service station within 24 hours of receiving all documents.
- Cash Payout: If you choose a cash settlement, we transfer the funds to your account within 7 business days.
- Personal Manager: Your case is handled by one specialist who is always up to date with the situation and ready to answer questions.
We have abandoned bureaucracy in favor of speed and convenience for our clients.
Your Personal Assistant on the Road 24/7
An additional program that turns your insurance policy into a full-fledged support service. Whatever happens on the road, just give us a call.
- Accident Commissioner: Will help correctly fill out the Europrotocol, take photos, and advise on further actions.
- Evacuation: We will deliver your car to the nearest service station or parking lot for free in case of an accident or breakdown.
- On-site Technical Assistance: We will help change a flat tire, deliver fuel if it runs out, or jump-start a dead battery.
- Document Collection: If documents from the traffic police are required for settlement, our specialist will get them for you.
- Taxi from the Accident Scene: We will pay for a taxi for you to comfortably get home or to work.
With this service, any problem on the road is solved with one call.
Choose Your Level of Protection
We offer several CASCO options so you can choose the optimal balance between price and coverage.
- Mini-CASCO: Protection against theft and total loss. The most affordable option.
- CASCO with a Deductible: Full coverage with the condition that you pay for minor damage yourself. Allows you to save up to 60% on the cost.
- Classic CASCO: Full protection against all risks with repairs at partner service stations.
- Premium CASCO: All risks + repairs at an official dealership, GAP option, roadside assistance, and other privileges.
Our calculator will help you compare programs and choose the one that is right for you.