CASCO for a taxi - all the nuances and features

Quick links

1. Features of CASCO insurance for taxis?
2. Where can I get a comprehensive insurance policy for a taxi?
3. Taxi insurance cost
4. Types of insurance for taxis
5. Current questions and answers to them

One of the specializations of our company is issuing CASCO policies for taxis. Taxi is one of the riskiest businesses for a car, so it is important to apply for CASCO insurance to be sure that you will not be left with nothing if the taxi gets into an accident. Read more about registering CASCO insurance for a taxi in the article.

Registration of CASCO for a taxi

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Car insurance is one of the most pressing topics among motorists, since part of it, namely compulsory civil liability insurance (MTPL), is a mandatory condition for driving a vehicle. However, in addition to compulsory insurance, there is also a type of insurance such as Casco, which also has many nuances, which we will tell you about in this article. In particular, we will talk to you about such a pressing topic as motor insurance for taxis, and whether it is worth taking out.

Due to the fact that the level of traffic tends to continuously increase, therefore, the level of accidents increases in direct proportion. When driving a vehicle in such conditions, taxi drivers risk getting into an unpleasant situation a little more than other road users. Therefore, every taxi driver or company that owns a taxi fleet should think about purchasing a voluntary insurance policy (Casco for taxis) in order to protect themselves from major damage in the event of an accident.

Features of CASCO insurance for taxis?

The main feature of insuring taxi fleets and individual vehicles intended for transporting passengers as taxis is that, due to their constant and continuous movement, they have a high risk of getting into an accident, especially in large cities. Based on this, any taxi is a potentially unprofitable business for any insurance company.

Thus, almost every taxi driver or taxi company owner has heard a refusal from an insurance company at least once in his life. Moreover, companies are denied not only registration of comprehensive insurance for taxis, but also compulsory motor insurance is also regarded as a loss-making deal. We covered the problem of obtaining a compulsory motor insurance policy for a taxi in another article, which you can also find on our website.

Another problem, in addition to the refusal of insurance companies, is the high rates set by underwriters, due to the high risk of an insured event. Therefore, for taxi fleet owners, obtaining comprehensive insurance for taxis becomes absolutely unprofitable.

Next, we will briefly summarize what difficulties policyholders will encounter if they want to apply for comprehensive insurance for a taxi:

— Too inflated tariffs, which often exceed the tariffs for ordinary cars by 1.5-3 times, making taxi insurance absolutely unprofitable for both taxi companies and ordinary taxi drivers.

— Excessive rates for deductibles, which can reach 3% of the sum insured in the event of an accident and 20% in case of theft of the insured car.

— Strict control over compliance with traffic rules. This means that if a taxi driver does not comply with traffic regulations, he will be denied payments.

— If a taxi is involved in an accident, it is prohibited to resolve the dispute using the European protocol. You need to call the traffic police.

— The minimum driving experience when applying for comprehensive insurance for a taxi is also high, usually from three years.

In addition to all the above problems, it is worth noting that the cost of comprehensive insurance for a taxi also directly depends on the model and manufacturer of the insured car. For example, a comprehensive insurance policy for a taxi from the Chinese auto industry will cost many times more.

Insurance rules

The procedure for the provision of services in the field of insurance is regulated by Article 3 of Federal Law 4015-1 of November 27, 1992. Taxi companies for the most part resort to CASCO and, we can safely say, that they are doing the right thing - their employees have an 8 times higher risk of getting into an unexpected accident than ordinary drivers.

Taking into account the high threshold of liberalism, each organization dictates “its own rules,” naturally, taking into account compliance with a number of points prescribed in the law, the general concept, and the system of established calculation coefficients. However, despite the impressive and frightening cost at first glance, as practice shows, in most cases it is completely justified.

Where can I get a comprehensive insurance policy for a taxi?

These days there are many insurance companies on the market offering different insurance policies for taxis. Due to such an abundance of the market, it is often difficult for policyholders to make the right choice. As for applying for comprehensive insurance for a taxi, everything is even more complicated here, since out of a huge number of companies, a huge part will simply be eliminated, refusing to insure a taxi car.

Therefore, the first thing a taxi driver or taxi company needs to do is make sure that the insurance company is ready to provide a comprehensive insurance policy for a taxi. After this, find out under what conditions this insurance contract will be possible. Speaking of conditions, the standard situation often prevails here. If the insurance company is ready to issue a comprehensive insurance policy for a taxi, the rates will be several times higher than for conventional vehicles.

The Autoplus company, in turn, is always ready to offer its clients the most favorable insurance conditions for comprehensive insurance for taxis. In addition, we always have interesting offers for our clients. For example, if you simultaneously issue compulsory motor insurance and comprehensive insurance policies for a taxi, the client will receive a discount of 10% of the cost.

Procedure for obtaining CASCO insurance

After deciding to enter into a CASCO agreement, the car owner must decide on the choice of insurance company. The further sequence of actions is presented as follows:

1. Collect the necessary set of documents in advance. It seems reasonable to clarify the list and form of provision from the insurer.
2. Arrive at the insurance company's office. Clarify the previously stated CASCO taxi insurance conditions.
3. To check the completeness and familiarization, submit the package of documents to the person responsible for concluding the contract, the insurance employee.
4. Fill out the form and application for insurance.
5. After preparing the contract, read it carefully. If you identify items or text content that are unclear to the applicant, clarify the meaning with an insurance representative. Sign the insurance contract.

After depositing funds to the insurer or recommended bank, the insurance contract begins at 00:00 am the next day after payment is made (unless otherwise provided).

Taxi insurance cost

Basically, the cost of comprehensive insurance for a taxi that insurance companies can offer is almost the same. However, it is worth knowing the following factors that influence the formation of the price of final insurance services. We will tell you about these factors further.

Year of car manufacture

So, the first factor influencing the cost of comprehensive insurance for a taxi is the year of manufacture of the car. The newer the insured car, the cheaper the insurance policy for a taxi should be. If the vehicle is over 5 years old, the cost of insurance will increase sharply. And cars older than 10 years are practically not considered at all by insurance companies.

Taxi driver age

Following the year of manufacture of the car is immediately followed by the age of the policyholder. So, for taxi drivers who have not yet reached 21 years of age, the cost of comprehensive insurance for a taxi in many insurance companies will be very high. And in some cases, without a certain length of service, insurance for a taxi will simply be denied. Likewise, for those taxi drivers whose age is above 65 years, comprehensive insurance tariffs will also be increased.

Region

As in the case of compulsory motor insurance, one of the important factors influencing the pricing of comprehensive insurance for taxis is the region in which the car is insured. So, if a region is heavily populated and has a lot of traffic, then insurance for a taxi there will cost more than in a region with a smaller population.

Franchise

This term implies a certain fixed amount that will not be paid to the taxi driver in the event of an accident. Roughly speaking, this is the level up to which the driver will have to compensate for the damage himself. If the damage costs more than the deductible, the insurance company will cover the losses.

Above we have listed the most basic factors influencing the cost of comprehensive insurance for a taxi, but in this section you should not forget such important components as:

• The place where the car is repaired in the event of an insured event can be either your own service station or a station appointed by the insurance company.
• The amount of insurance compensation without additional documents, for example, from the traffic police.
• Type of sum insured (aggregate or non-aggregate)
• Additional service (evacuation, etc.)
• And also the type of comprehensive insurance (full or incomplete).

Types of insurance for taxis

So, as we mentioned above, comprehensive insurance is divided into two categories: complete and incomplete.

Full comprehensive insurance

Full comprehensive insurance assumes coverage of damage in the cases listed below:

• theft or theft of a vehicle;
• damage due to an accident;
• illegal actions of third parties, for example, arson of a car or other harm;
• accidents with animals;
• damage from natural disasters;
• fire;
• soil failure;
• man-made accidents;
• accidents on sewer, heating and water supply systems;
• falling of any objects.

As you might have guessed, such a comprehensive insurance policy is the most expensive, and speaking of comprehensive insurance for a taxi, it is worth noting that it will be disproportionately expensive.

Thus, a full comprehensive insurance policy for a taxi is practically not issued, but is done in cases where

• the policyholder has sufficient available funds;
• the vehicle was purchased with borrowed funds issued by the bank.

Partial comprehensive insurance

It’s not difficult to guess that partial comprehensive insurance is the choice of most motorists who purchase a voluntary insurance policy, since its cost is significantly lower than the full one.

In turn, partial motor insurance covers the following damage:

It could be:

• hijacking;
• damage from road accidents;
• theft + damage from road accidents, etc.

Some of the most frequently purchased partial comprehensive insurance products are:

• CASCO Light. This package includes coverage for losses resulting from theft of a vehicle, total destruction, and severe damage. In turn, for minor damage, insurance payments are not made. Casco Light is ideal for experienced drivers and simply careful car enthusiasts.
• Anti-crisis CASCO or Economy. This package provides for one request per year, and only in case of theft or major damage. This program does not provide coverage for the consequences of natural disasters and coverage in the event that the insured is not at fault in an accident.

Advantages and disadvantages of each type of CASCO

In order for you to clearly choose the best insurance policy for a taxi, we will present you with the table below, where we consider the advantages and disadvantages of each type separately. Thanks to the clarity, you can immediately draw your own conclusions and find the type of motor insurance for a taxi that is right for you.

In what case can the insurance company refuse compensation for CASCO taxi?

Refusal to pay under CASCO occurs in the following situations:

• under the terms of the contract, the event that occurred is not insured;
• the driver or passengers were injured as a result of an accident (CASCO does not cover risks associated with life and health);
• the car was damaged by the owner himself for the purpose of making money;
• when the car was damaged, the driver was a person who was not included in the CASCO policy;
• damage to the vehicle occurred as a result of its misuse;
• the driver driving the car was intoxicated;
• the client violated one or more terms of the contract, for example, neglected the services of a guarded parking lot or reported the incident with a delay.

Also, a refusal to pay under CASCO is issued if the insurance contract has expired.

Current questions and answers to them

Question:

Is it possible to take out not “open” MTPL insurance, but for each driver separately? It's cheaper that way. What is the practice in insurance?

Answer:

It all depends on the owner of the vehicle:

A) Owner – Legal entity

An MTPL policy is issued only on the condition that an unlimited number of persons are allowed to manage it

B) Owner – Individual

The right to choose is already present here:

— If compulsory motor insurance is without restrictions, then an increased coefficient of 1.80 will apply

— With a limited number of persons allowed to drive (when certain drivers are included in the policy), the calculation is made:

By age and experience. If the driver has changed, the Insurance Company can replace him in the policy with a new one.

If the new driver’s age, length of service and accident-free rate (FMR) do not differ from the previous one, then the replacement will take place without any additional payments.

Question:

What should a driver driving a rental car do in the event of an accident? And what should the owner do (if CASCO insurance)? How long will the downtime of the car last (it must undergo an assessment, hidden defects, etc. - it will not be possible to send it for repairs right away, and in a rental, every day of downtime is a loss)

Answer:

Driver actions: call a traffic police inspector. In some cases, the owner asks them to call the insurance company from the scene of the accident and report the insured event, but this does not always happen! Usually, they call the traffic police, and then provide all the Documents to the lessor's company, and the client's representative reports to the insurance company, provides all the documents by proxy and decides on the inspection of the vehicle.

The insurance company usually issues a referral for repairs no later than 20 days from the date of submission of all documents.

Question:

Question about the CASCO constructor - it includes various risks. Is it possible to remove such things as minor accidents, cracks in glass, broken mirrors (minor damage), because... Is this common in taxis? Will this make taxi insurance cheaper?

Answer:

Minor damage can be eliminated thanks to the deductible that we described above. Or insure the taxi only against complete destruction and theft.

CASCO taxi: package of documents

To issue a CASCO policy for a taxi, the policyholder will need documents of the owner, driver and vehicle.

1. From the owner:

• If the owner is an individual, then it is necessary to provide a general passport;
• If the owner is a legal entity, then the statutory documents of the enterprise will be required;
• Purchase and sale agreement, act of acceptance and transfer from the seller to the present owner;
• License for the right to carry out passenger transportation.

2. From the driver:

• driver's license. If the policy provides for a limited list of persons authorized to drive the insured car, then certificates of all such persons are provided;
• rental agreement, leasing agreement;
• power of attorney to drive a car.

3. For the vehicle:

• Vehicle registration certificate;
• Certificate of registration of the car, if the vehicle is registered with the State Traffic Safety Inspectorate on the date of application for the policy;
• Documents for the installation of anti-theft systems, if any, on the insured vehicle.

Other organizations

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• OSAGO for Volkswagen Polo

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• OSAGO for Finland

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• OSAGO for Europe

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• OSAGO for Crimea

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• OSAGO for apartments

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• OSAGO for accounting

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• OSAGO for Ukrainians

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• OSAGO for educational vehicles

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• OSAGO for a leased car

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• Accident in the parking lot

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• Left OSAGO

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• Road accident without compulsory motor liability insurance

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• Working as an insurance agent under compulsory motor liability insurance

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• OSAGO for a tractor

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• OSAGO for a combine harvester

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• OSAGO for a scooter

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• OSAGO for ATV

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• OSAGO with delivery

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• OSAGO for a dump truck

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• OSAGO for an excavator

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• OSAGO for a truck

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• OSAGO for a snowmobile

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• OSAGO for tractor

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• OSAGO for special equipment

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• OSAGO for the haul

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• OSAGO category C

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• CASCO for taxi

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• OSAGO category D

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• OSAGO for pensioners

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• OSAGO in 2021

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Can CASCO be economical?

You can get comprehensive CASCO protection at minimal cost. To do this, just use a unique insurance product - Mini CASCO. The policy allows you to determine the cases to which the insurance payment applies. For example, choose protection against theft, refusing compensation for man-made accidents. This solution will significantly reduce the cost of insurance without reducing the safety of vehicle operation.

How to buy CASCO for a taxi on favorable terms?

DocAvto will help you purchase CASCO at a profit. The company is a leading insurance aggregator, offering solutions for individuals and commercial organizations. There are many benefits available to clients:

• variety of insurance products;
• work with any type of transport;
• a wide range of related services related to obtaining a diagnostic card, registration of compulsory motor insurance and purchase of PrEP;
• professional assistance in choosing a policy;
• registration in the office and online;
• the most favorable prices.

DocAuto offices are located in various parts of St. Petersburg. They work on weekends and holidays, serving customers from 10 am to 10 pm.