CASCO Reso in 2021: insurance rules

Conditions of CASCO insurance programs

The company operates in several areas that relate to life and health insurance of clients, motor transport and additional equipment, activities and business of policyholders.
Therefore, IC "Reso" cooperates with both private and corporate clients.

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The main CASCO insurance program is AvtoRESO. Its conditions apply to cases of theft and theft. The company offers this tariff even for motorists who at that time have insurance in another insurance company.

Let's get acquainted with all the nuances in detail.

The conditions of the analyzed program are considered basic, therefore the following proposals differ on one or more points.

Many clients willingly choose the Economy program because it is designed for acceptable conditions (basic list without additional services), but the payment is small.

You can buy such a policy for both domestic and foreign passenger cars, as well as SUVs and minivans with a year of manufacture no more than ten years old.

Control of the execution of services is controlled by a 24-hour dispatch center from the insurance company. A CASCO agreement can be concluded for twelve months. You can apply for “RESOauto Help-Economy” in installments if the client is already cooperating with this insurer.

“Reso CASCO theft” in terms of the number of completed contracts is already being compared with the car accident insurance program. This is due to the favorable conditions provided.

The choice of insurance programs allows clients to choose the most suitable conditions for them, which contributes to the growth of the company’s popularity and increase its rating among competitors.

Special CASCO insurance programs are distinguished by a variety of options, from which you can easily choose the best one for any category of car owners.

The RESOauto program includes high-quality services of a commissioner (emergency) and full technical assistance on the road. Any vehicles are subject to insurance, even those not registered with the traffic police. The client has the right to choose one of three methods of compensation for damage, which to varying degrees affect the cost of CASCO from Reso Guarantee.

For drivers who are confident in their professionalism, the Theft Only package is suitable, providing insurance protection for vehicles not older than 12 years and not necessarily equipped with additional alarm devices or a search system. The price of the policy does not depend on the driving experience and age of the client.

For clients who have insured a vehicle through RESOauto at a price of 3,000 thousand rubles. with an annual cost of at least 150 thousand rubles, from the date of purchase of insurance, the conditions of VIP client status apply, including:

• attaching a personal manager to provide real-time consulting at the scene of the insurance situation;
• 24-hour dispatch service;
• tow truck services without limit on the number of times during the entire period of the agreement;
• providing directions for repair work without the need for a visit to the insurance company;
• expansion of the insurance territory to include some foreign countries.

The company offers balanced, competitive interest rates on many popular car models; careful customers and female drivers have access to significant discounts when renewing their insurance agreement. Significant savings when purchasing a CASCO insurance policy from Reso Guarantee are available to the company's clients when using the franchise option.

Special CASCO insurance programs are distinguished by a variety of options, from which you can easily choose the best one for any category of car owners.

The RESOauto program includes high-quality services of a commissioner (emergency) and full technical assistance on the road. Any vehicles are subject to insurance, even those not registered with the traffic police.

The client has the right to choose one of three methods of compensation for damage, which to varying degrees affect the cost of CASCO from Reso Guarantee.

For drivers who are confident in their professionalism, the Theft Only package is suitable, providing insurance protection for vehicles not older than 12 years and not necessarily equipped with additional alarm devices or a search system. The price of the policy does not depend on the driving experience and age of the client.

Therefore, IC "Reso" cooperates with both private and corporate clients.

The main CASCO insurance program is AvtoRESO. Its conditions apply to cases of theft and theft. The company offers this tariff even for motorists who at that time have insurance in another insurance company.

Let's get acquainted with all the nuances in detail.

The conditions of the analyzed program are considered basic, therefore the following proposals differ on one or more points.

Types of auto insurance programs

IC "Reso-Garantia" provides its clients with a wide range of property, life, and car insurance services. CASCO policy can be purchased under the following offers:

1. RESOauto. The standard CASCO program provides protection for any vehicle (including before registration) from damage as a result of an accident, theft, fire, explosion, natural disasters, falling objects, stones and illegal actions of third parties. The policy also includes accident insurance for the driver and passengers. The cost of compensation varies within 30 million rubles;
2. CASCO +RESOautoGAP. The program differs from the standard version in that the insured value of the car during operation remains unchanged. That is, in the event of theft or total damage, the car owner receives compensation in full, according to the insured amount, without taking into account the percentage of wear and tear;
3. Theft. This truncated version of the CASCO program is suitable for experienced drivers, as it only protects against the risk of car theft;
4. CASCO-Profi. Another CASCO option for confident car enthusiasts. This program is reminiscent of compulsory motor liability insurance, but with an expanded insurance payment of up to 1 million rubles, since protection for the risk of an accident is valid only if the insurance owner is innocent.

Advantages of CASCO insurance in Reso

It is worth noting the main advantages of voluntary CASCO insurance in the financial company RESO. It is thanks to these advantages that the number of clients is only increasing every year.

Insurance conditions

IC "Reso-Garantia" accepts for CASCO insurance:

1. Any cars, including before they are registered;
2. Additional equipment installed in the insured vehicle;
3. Participants in road traffic, including passengers;
4. The civil liability of the driver is up to 30 million rubles.

Under the CASCO policy you can receive the following types of services:

• car repair, in specialized vehicle maintenance services;
• payment for services from the scene of an accident;
• preferential terms for providing 24-hour towing and on-road vehicle repairs;
• receiving a discount on the installation of anti-theft systems in partner companies.

Calculate CASCO online (calculator)

There are two ways to calculate the cost of a future CASCO policy from the presented company: contact the nearest branch of the insurance company or make an online calculation on the official website of RESO-Garantiya or on popular analytical servers (Banks ru, Compare ru).

We invite you to familiarize yourself with the algorithm of the online CASCO calculator from the insurer.

The standard validity period of the car insurance policy is 1 year, and the currency is rubles.

If you are a client of another insurance company (have auto insurance), then click the checkbox and select the name of your insurer.

Next, you should indicate the CASCO payment period, the validity period of the policy and the type of owner (individual or legal entity).

The presence of a vehicle secured by the lender is also indicated, the make and model of the car, the year of production, the region of registration, the number of accidents with its participation and the total mileage are selected. The region of registration of the vehicle owner is also indicated.

It is important to choose the insurance territory, because the cost of CASCO insurance will also depend on this indicator. The client also fills in information about the number of drivers who will drive the insured vehicle.

In addition to basic data, the insurer is interested in the availability of anti-theft protective equipment. After all, based on these data, the cost of the future CASCO policy from IC Reso is calculated.

The client receives the result immediately, so he can instantly evaluate the information received about insuring his vehicle.

How to make a CASCO calculation at Reso

The CASCO price depends on many factors and is calculated individually for each car. The tariff is formed on the basis of the base rate and a whole group of adjustment factors.

The amount of payment depends on:

• 
  validity period of the insurance contract;

• vehicle characteristics: including make (model), age, wear;
• storage conditions and operating conditions;
• length of service, age and number of persons allowed to drive a car;
• insurance territory, operating region;
• method and procedure for compensation;
• the procedure for paying the insurance premium (contributions);
• legal status of the policyholder (legal entity, individual entrepreneur, individual);
• insurance results under previous policies;
• the presence of a franchise and its type and size;
• procedure for establishing the insurance amount.

At RESO-Garantiya, the base rate for passenger cars for the risk “Damage” is 7.69% of the insured amount, “Theft” - 0.37%. Rates can vary widely, and they change frequently (which is why rates go up or down). For example, if a contract is concluded with the condition “Until the first insured event,” then an adjustment factor of 0.4–1 is applied to the basic insurance rates, depending on the type of object insured and the type of risk.

When insuring with a franchise, a reduction factor from the range of 0.3–1 is applied to the base rates, depending on the type, type, method of establishing and size of the franchise, type of risk, and object of insurance. The formula for calculating the CASCO premium is: Basic tariff x adjustment factors. Next, the received rate is multiplied by the insurance amount specified in the contract and divided by one hundred. This is how you get the amount of the annual payment in rubles.

Important: The largest correction factor is provided for persons who have repeatedly been in accidents, have a used or damaged car, a large number of people allowed to drive, and also live in a large city with heavy traffic.

When calculating the cost of CASCO insurance, the insurance company takes into account the following parameters:

1. Gender of the citizen driving the vehicle.
2. Age of the driver/drivers included in the document.
3. General experience in driving a machine.

The above factors do not depend on the policyholder.

Also, when calculating the cost of the policy, it matters:

• car model. The higher the cost of the car and the better the model, the greater the likelihood that sooner or later the vehicle will be stolen;
• total age of the vehicle – service life. For new cars the risk is higher;
• insurance type. A full range of services will cost more than insurance against isolated cases - theft, loss of integrity as a result of a natural disaster;
• the presence of anti-theft systems.

It is often not possible to independently calculate the exact cost of a policy, since the client may not know what formula RESO specialists use or what coefficients should be substituted.

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What to look for when choosing a CASCO policy?

When buying a contract, do not rush to sign it. Experienced experts advise studying it carefully and paying attention to several main sections, both in the policy and in the rules.

How much does it cost to buy a CASCO insurance policy?

When calculating the final cost, increasing and decreasing factors are applied to the base rates.

The cost of CASCO is influenced by the following factors:

• driver age;
• year of car manufacture;
• insurance period;
• driving experience;
• payment method (one-time or in installments);
• contract currency;
• presence of an anti-theft system;
• use of a franchise and inclusion of additional services.

Calculate CASCO online (calculator)

The insurer’s comfortable service allows you to apply for CASCO insurance online, without going to an insurance company branch.

Such conveniences are designed to reduce the number of motorists in long lines to see the insurance manager, as well as not to distract busy citizens from the work process.

The registration process is not complicated - just create a personal account and follow the algorithm of actions.

If the client already has a personal page and has previously entered into an agreement, then he must log in and only enter new data about the upcoming insurance, send a request and wait for an invitation from an insurance company employee to sign the agreement.

New clients will have to register their personal account using email or their mobile number.

After its creation, you can begin filling out an application for CASCO. This procedure requires exactly the same data as the online cost calculation (refer to the previous paragraph of the article).

The convenience of the online service is appreciated by many policyholders, because the capabilities of the Internet help reduce bureaucratic and organizational processes to a few minutes.

After completing the application, the manager contacts the client; if the verdict is favorable, he invites the motorist to conclude an insurance contract.

Documentation

Concluding a CASCO agreement from a company is an integral and important process that cannot be circumvented. It is impossible without providing official documentation.

It should be collected so that the insurer can verify the accuracy of the facts about the policyholder and other drivers, as well as about the insured vehicle. Such requirements are mandatory when signing official contracts.

Therefore you should provide:

• vehicle passport;
• state registration certificate;
• driver's licenses of all citizens who will be allowed to drive a car;
• photocopies of completed pages of motorists' passports;
• a notarized power of attorney from the car owner, if another person is handling the registration.

Based on these documents, a CASCO agreement is concluded and its exact cost is calculated. The manager checks all the information received in the database; if it is satisfactory, then the process of issuing a policy is carried out immediately.

Statement

Without this request, purchasing CASCO insurance is also not possible. There are two types of applications - a traditional paper form, as well as an online tab.

In both cases, the policyholder fills out information about both his driving experience and the insured vehicle.

The classic version of the application has the following details:

1. Information about the policyholder (contact details, driving experience).
2. Detailed technical information about the vehicle and its equipment.
3. List of motorists allowed to drive.
4. Terms of use of vehicles.
5. Other information about the insurance policy.
6. Terms of insurance premium.
7. Notes.
8. Field for stamps and signatures.

Download the application.

The document is filled out by the policyholder himself or by a notary authorized person. Handwriting should be legible, and phrases should be clear and specific.

The policyholder is responsible for the accuracy of the entered facts. Correctly filling out the application guarantees the accuracy of the information in the contract, because it will be transferred there.

As a rule, this application is considered within several days; in approved cases, the policyholder is called to the office to conclude a deal.

Agreement

This document is drawn up according to a standard template, that is, it has components regulated by the law “On Compulsory Motor Liability Insurance” (MTPL).

A CASCO agreement is drawn up between the parties in order to officially certify the conditions and, during the validity of the policy, to guarantee the rights of the policyholder and the insurer.

Therefore it consists of:

• details of the parties;
• information about the insured vehicle;
• what situations require compensation (damage and/or theft);
• terms of payment after the occurrence of an insured event;
• rights and obligations of the insurer and the policyholder;
• confirmation and agreement with the provisions of the CASCO agreement.

If, after concluding the contract, the insurer discovers that the facts provided are unreliable, then it retains the right to invalidate the document.

Often, policyholders cannot spot all the pitfalls of a concluded transaction, so it is recommended to seek qualified assistance from an auto lawyer who can interpret all the provisions of the official contract.

Every car enthusiast can always formulate a calculation under a CASCO agreement and find out the cost remotely. A convenient CASCO calculator has been created for this purpose.

To receive information you need to indicate:

• car characteristics: make and model, year of manufacture, power and mileage
• price
• owner details: full name, age, place of registration
• driver information: full name, age, length of service
• contact telephone number and email address

Then all you have to do is request a quote and receive an offer. In practice, the calculation is generated in a matter of seconds.

Benefits of the calculator:

• information is provided free of charge
• you can generate an unlimited number of requests
• the service works 24/7
• You can submit your application via the calculator.

To summarize, it can be noted that the insurance company RESO-Garantiya offers its clients profitable voluntary insurance products. You can find out the preliminary cost for each program without leaving your apartment. To do this, you just need to indicate the minimum data in the calculator and receive an offer.

Main offers from Reso

Before using the services of voluntary insurance, you should carefully study all the programs and only then make a choice. Let's consider all existing insurance programs in RESO.

RESOauto

This is a standard AUTOCASCO policy, which provides a full package of risks, such as damage and theft. Additionally, the insurance company offers to include such risks as:

• insurance of additional equipment
• civil liability, in the amount of no more than 30 million rubles
• accident insurance for both driver and passengers

Under contract:

• free evacuation from the scene of an accident if the car is in a faulty condition
• 24/7 support service
• payment of compensation as soon as possible

RESOautoGAP

This product appeared relatively recently in a financial institution. Voluntary protection is suitable for those who wish to protect themselves from expenses that will arise as a result of:

• transport theft
• total destruction (total)

As for the damage, the driver will have to compensate for all expenses independently, using his own savings.

Under contract:

• Vehicles accepted for insurance are those no more than 7 years have passed since their release.
• When calculating the insurance premium, the age and experience of drivers is not taken into account, so even a young driver can be entrusted with driving
• upon the occurrence of an insured event, the company is guaranteed to transfer funds in the amount of the real market value of the car
• Inspection of the vehicle is required when purchasing a contract

RESOauto-Help-Economy

From the name itself it is clear that this is an economical program at a low price. As part of the program, the company is ready to:

• send an emergency commissioner to the scene of the accident
• pay for tow truck services
• provide emergency assistance in the event of a serious car breakdown

Any vehicle not older than 10 years is accepted for insurance. You can purchase protection when purchasing a MTPL and CASCO contract for only 1 year.

RESOauto-Help-Comfort

An excellent product, thanks to which the insurer will come to the aid of its client at any time. All the client needs to do is call the dispatch service toll-free, provide personal information, policy number and vehicle characteristics.

Insurance risks:

• fire evacuation
• emergency assistance in case of a car breakdown on the road
• assistance from an emergency commissioner in the event of an accident
• emergency medical care for those who were in the insured car and were injured as a result of the insured event

Under the program, you can insure foreign and domestic cars that are no more than 12 years old from the date of manufacture. You can only buy protection for 1 year.

VIP service

Only car enthusiasts who have purchased protection under the RESO auto program can take advantage of the offer. In this case, two conditions must be met:

• the cost of the car is at least 3,000,000 rubles
• insurance premium under the contract is not less than 150,000 rubles

VIP client status is assigned immediately upon purchasing a voluntary agreement. Within the program:

• assistance from a personal manager who also resolves payment issues
• assistance in case of accident
• evacuation from the accident site
• repairs at the station without contacting the office
• expanded insurance territory, including a number of Western countries

Insurance with satellite system

The insurance company cooperates with accredited centers that install satellite systems. RESO-Garantiya is ready to give a 70% discount on the risk of theft or theft if a car owner applies for the installation of a satellite alarm at the direction of the insurer.

For the most part, all insurance organizations have practically the same rules for providing policies, although they have some differences.

In this article we will consider only the main points of the Reso insurance rules; you can read the full version of the document at the link.

The first part of the document in question, as a rule, contains a “basic provisions” paragraph, which contains the following information:

• listing the main points regarding the conditions and procedure for issuing an insurance policy;
• rules for its termination;
• the main part also contains various annexes, which constitute an integral part of the main provisions and have legal force.

Each item has its own characteristics and nuances. Before you put your signature on the executed contract, it is important to study them carefully.

Particular attention should be paid to the point regarding the timing of termination of the contract. Most insurance organizations use it to avoid providing monetary compensation when insured events occur.

All annexes are also an integral part of the contract and should be carefully studied. As a rule, they contain information without which you can face various legal problems.

Car insurance from RESO-Garantiya

RESO-Garantiya © is a universal insurance company. Our priorities include car insurance (both auto CASCO and OSAGO insurance), voluntary medical insurance, property insurance (including real estate insurance), liability insurance (including voluntary motor vehicle insurance) and cargo. To determine the cost of insurance policies on the site’s calculators, you can calculate CASCO (insurance of the risks “Theft”, “Damage”), calculate the cost of the MTPL policy and additional insurance AGO, “Green Card” and services such as mortgage insurance, apartment insurance, insurance dachas, voluntary health insurance, travel insurance, life insurance.

www.reso.ru

How are payments made?

When covering insured events with financial assistance, the company focuses on a single form of calculation, which is also used by independent brokers and experts to determine the amount of compensation for a specific policyholder.

The following factors influence the amount of payment:

• vehicle manufacturer - more funds are allocated for repairs of foreign cars;
• region of insurance registration (different territories have their own hazard coefficient, on which payments depend);
• vehicle mileage;
• Motorist's KBM;
• technical condition of the car.

A traffic police inspector’s report and an assessment of the situation and consequences from an independent expert are also required to determine the scale of the incident.

The MTPL agreement provides for a maximum and minimum limit of monetary compensation, which is regulated by the law of the Russian Federation “On MTPL”.

focuses on and supports such provisions, so if the damage exceeds the maximum amount of payments, then the difference is compensated by the culprit of the insured event.

As part of each program, the financial company undertakes to compensate for the damage. The terms of payment are clearly stated in the rules, which can be obtained free of charge at the insurer’s office or downloaded on the official portal.

To receive compensation:

• the insured is obliged to immediately notify the authorities, through which the fact of the occurrence of the insured event can be officially recorded
• within 10 working days after the incident, visit the loss settlement department
• provide the necessary documents

An insured motorist can apply without a certificate from the traffic police if glass elements are damaged. For a body element, there is a rule according to which you can apply once without certificates if the damage to the body does not exceed 5% of the market value of the vehicle.

Payment is made:

• in case of theft within 30 days after the case is closed
• in case of total loss within 30 days after submission of the last document
• in all other cases, the company is obliged to transfer funds or issue a referral within 25 days, after submitting all documents, for the purpose of repairs at the station

As for payment, each client needs to choose only one payment method when concluding a contract.

The company offers:

• repairs at an official dealer station, which is important for cars under warranty
• repair at any universal station with which an agreement has been concluded
• payment for repairs at any station, at the client’s choice

It is worth noting that insurance with the latter option will be significantly more expensive, since the client himself decides at which station to repair the vehicle.

As for money, the company is ready to transfer funds only in case of total or theft.

How CASCO works

If an insured event specified in your CASCO insurance contract occurs, the insurer will compensate you for damage by:

• Car restoration.
• Refund of the amount spent on repairs.
• In another way provided for in the insurance rules.

What does CASCO guarantee?

Under the CASCO policy of the RESO-Garantiya company, the car owner has the right to claim:

• Car repair in authorized centers.
• Evacuation at the expense of the insurer in the event of an accident.
• Preferential roadside assistance.
• Alarm installation at a reduced cost.

Payments under CASCO in RESO-Garantiya

The amount of insurance payment for the program you have chosen is indicated in the CASCO policy. It varies depending on the cost of the car, length of service, age of the driver and other parameters. To receive compensation, you must contact RESO-Garantiya and provide documents confirming the occurrence of the insured event.

Payment is made within 30 days in the event of theft or death of the policyholder. For all other claims, the insurance compensation period is 25 days. The procedure for calculating the sum insured is established in the rules of CASCO insurance.

Registration of installments

Payment for a car insurance policy is also possible in installments. Many companies provide this opportunity: Ingosstrakh, Alfastrakhovanie, Renaissance-Insurance, IC Zurich, VSK, as well as RESO-Garantiya.

Unlike other insurers, the representative we analyzed is more loyal to clients, therefore he allows the next payment to be delayed by several days, and at the same time the contract remains valid at this moment.

The downside for the policyholder is that if an insured event occurs at the time of installment plan under the contract, then the compensation will be less by exactly the same amount that is missing until the contract price is repaid.

Thus, it can be seen that the proposal has advantages and disadvantages for customers. The installment plan will be beneficial only if you drive without accidents, for which motorists are not insured.

Not all drivers have the opportunity to make a one-time payment for an insurance policy, given its high cost. The RESO company gives you the opportunity to purchase a CASCO policy in installments under certain conditions.

Installment types:

• for a certain period - half of the amount is paid when drawing up the document, half - on any other day convenient for the client. Thus, the payment is divided into two parts;
• for 3-5 months - a certain part of the cost must be paid immediately - most often, 20% of the document price. The rest is distributed over several months.

Despite the fact that this method of purchasing CASCO insurance has a lot of advantages, it should be taken into account that there are also pitfalls:

1. You will have to visit the RESO office several times to make each part of the payment.
2. Only those clients who have extensive driving experience can receive an installment plan.
3. If a payment is missed, penalties will be assessed.

In RESO, it is possible to arrange “quarterly installments”, when 25% of the total cost of the policy is paid once a quarter.

Features of the CASCO Classic Insurance Rules in RESO-Garantiya Insurance Company

• The insurance amount is always non-aggregate, that is, with each subsequent insurance event it does not decrease by the amount of previous insurance payments.
• For an insurance period of 1 year or more, the client has the right to pay in installments, but in this case increasing factors will be applied to the final rate. There are two installment options: 2 payments in equal installments with an interval of 6 months (every six months)
• 4 payments in equal installments at intervals of 3 months (once a quarter)

Discounts

For “profitable” clients, the company provides favorable conditions in the form of a discount system. These incentives are provided for a good driving history, that is, one that excludes emergency situations.

Such policyholders can renew RESO at a discount; the CASCO guarantee without certificates when renewing the policy is also not excluded.

Clients will receive RESOauto at a discount if:

• the new policy will be valid, like the previous one, for 12 months;
• there are no accidents or thefts under previous insurance;
• the owner and policyholder remain the same as under the previous contract;
• the new CASCO will not provide any other discounts;
• the new contract does not include motorists with a bad driving history, short driving experience and a “risky” age (young people and old people);
• The policy comes into force exactly the next day after the end of the previous one.

To take advantage of the discount on car insurance, you must have a policy from Reso, but during its validity period you must not be in an emergency.

When damage is not compensated

All exceptions to the rules are clearly stated in the rules. Exceptions when payment is not provided:

• any costs associated with transport downtime
• damage or theft of license plate
• theft of a fire extinguisher, warning triangle or first aid kit
• if an uninsured driver was driving
• when the insured was under the influence of alcohol or drugs
• in cases where the car was used in racing or taxi
• in case of violation of the terms of the policy

What is an insured event?

The company provides for two main types of risks for vehicles - damage and theft. Each species has its own degree of danger.

An insured event of “damage” is partial or complete damage to a vehicle that occurs while driving on the road, as well as while parking in legally designated areas.

The insured event “theft” is the illegal seizure of the policyholder’s vehicle by criminals.

The insurer recommends that motorists immediately file an insurance claim so that the company can immediately react to the incident and correctly assess the situation.

Termination of an agreement

Termination of the agreement for RESO-CASCO services is carried out in the following order:

• upon expiration of the contract, there is no need to perform additional actions; termination is carried out automatically in the absence of an application for renewal from the policyholder;
• in case of non-payment of the next insurance premium, if an installment plan is provided;
• when the insurer provides compensation in full for the risks that have occurred;
• in the event of the death of the policyholder or liquidation of a legal entity;
• ahead of schedule at the request of the car owner, it is required to provide a copy of the contract with RESO, a receipt for payment of the insurance amount.

Franchise in CASCO – when is it profitable?

Reviews about the company

Reviews about the company today can be easily studied on the Internet. However, it is important to consider that often negative comments are left not by clients, but by competitors. As for the positive, car enthusiasts:

• profitable insurance programs
• bonuses and gifts for regular customers
• 24/7 support service, toll free
• if necessary, the agent can come to any place in order to conclude an agreement
• You can use installment payment
• friendly and knowledgeable staff

Among the negative ones it is worth highlighting:

• the need to provide the car for visual inspection when purchasing CASCO
• You cannot buy a contract online
• you have to wait a long time for the payment of insurance compensation (such reviews from competitors)

Policy renewal and verification

To renew your CASCO policy from this company you should:

• log in to your personal account
• press the “Extend” button next to the information about the previous contract:
• and re-select the conditions; if you are satisfied with the current contract, then only indicate the new validity period of the car insurance.

To guarantee security to its clients, IC provides a service for checking the status and authenticity of the policy.

To do this, just log on to the company’s website, select the “Verification” section and fill in the provided fields with your document data.

Each contract has its own series and number; they are sufficient to determine the status of the transaction, the date of issue and expiration time of the policy, as well as special notes.

If the client does not find the code in the Reso database using his details, then he may suspect that he has fallen for the tricks of attackers.

The insurer does not recommend cooperating with dubious brokers, temporary branches that may introduce themselves as , or offer for signing documents that are as similar in appearance as possible.

The online service also guarantees information protection for each motorist client of this insurance company.

"RESO-Garantiya" is an insurance company that has been cooperating with many motorists for many years and has a good rating of their appreciation.

The insurer provides a number of car insurance programs, including different sets of services. Their clients can choose offers of CASCO protection against damage or theft, as well as combine these services.

The online service was created to provide comfort to motorists, because it allows you to make preliminary calculations of the cost of the policy, leave electronic applications for concluding a contract, as well as renew the current policy and check its authenticity.

Such opportunities indicate the high rating of the company, as well as the quality of work that meets international standards.

How to buy step by step online

You can purchase a policy from RESO remotely. To do this, you need to go to the official website of the insurance company and perform the following steps:

• go to the “Buy CASCO policy” tab;
• enter registration data or obtain the status of a new client;
• after entering the login and password in the personal account menu, you need to select “Issue a policy”, then enter the data of the car for which an insurance document is issued based on the technical passport;
• you should click on the “Calculate” button, the information is sent automatically to the RSA database for authentication;
• payment is made using a bank card, after which it becomes possible to download the policy online; when driving a vehicle, you should have a printed document with you to present to the traffic police and the insurance company.

Photo and video recording system for traffic violations – is it possible to appeal a fine?

The policy is renewed in the same way by entering data in the personal account of the RESO client.