DSAGO, DGO insurance: what is it and what is it for?

Owners of vehicles, according to the legislation of the Russian Federation, are obliged to provide compensation to an injured third party in the event of harm to life and health, as well as damage to property. In order to ensure the possibility of financial compensation, each driver is required to have a policy OSAGO.

But insurance compensation is not always enough to cover all expenses associated with an accident. DGO will give you confidence when driving on the roads, especially in large cities where traffic consists of many expensive luxury cars.

What is DGO insurance?

Voluntary civil liability (VLC) is an expansion of financial boundaries for compensation of damage to third parties injured in an accident by an insurance company.

Insurance payment can completely cover the scope of liability if the following conditions are met:

Under legal control of motor vehicles.
Only after payment under the MTPL policy.

It should be noted that compulsory insurance will provide a payment of 160,000 rubles in case of harm to the life and health of the victim and 120,000 rubles in case of damage to the car. This is the maximum that can be expected from OSAGO.

The insurance risks in the DGS agreement are:

Damage to property of third parties injured in an accident:
destruction or damage to vehicles,
damage caused to road structures and roads.
Causing harm to the life and health of injured participants in an accident:
loss of temporary ability to work,
loss of full working capacity, disability of a non-working group.
causing damage to the property of victims.

Read about the deductible for car insurance here.

Insurance can also provide for risk sharing , when insurance payment is made simultaneously for the injured persons and for the restoration of the car.

OSAGO insurance

The first type of insurance is OSAGO

, registration of this policy with an insurance company will provide you with financial protection in the event of an accident, that is, in an accident that occurred through your fault, the insurance company undertakes to pay the owner of the car damaged by you monetary compensation for car repairs. However, the amount of payments to the owner of the damaged vehicle is limited and amounts to : if one car is damaged 120 thousand rubles, if several vehicles were damaged as a result of a traffic accident, then the maximum payment to the injured parties will be
160 thousand rubles
, and this amount goes to all damaged cars, it is worth noting that if the accident resulted in injuries people, then each of them will also be paid compensation, the maximum amount of which per person will be
160 thousand rubles
.
The insurance company under the MTPL policy is obliged to pay compensation for each accident in which you were at fault during the year for which the MTPL policy was issued, regardless of the number of accidents, however, when you subsequently issue a policy, you will be forced to pay a much larger amount for issuing the same policy, since you will be charged discounts for participating in several accidents during the previous year. MTPL
policy can be issued from an insurance company for three, six, nine or twelve months.
When you take out a policy for 3 months, you pay a premium of 50% of the cost of the policy for 12 months, after three months you can pay another 50% and you will have a policy for a year, that is, in this case you do not overpay anything, a similar system operates and for other periods, however, the amount of the first installment will increase (and the second will decrease accordingly), so for 6 months the first installment will be 60% of the amount for the year, and the second 40%, etc. Attention, the tariffs for all MTPL policies are the same in all regions of our country, because... are established by the Government of the Russian Federation
, and
are mandatory for all insurance companies, regardless of their location.

Why do you need DGO?

Taking into account the limits of indemnity for compulsory liability insurance, it is easy to calculate in what cases you will have to find financial resources yourself if the compensation from the insurance company is not enough.

Even the most ridiculous accident with an expensive car can cost a pretty penny. for inexperienced car owners to consider taking out an additional liability insurance policy , since this category of road users has the greatest risk of an accident.

However, even the most experienced driver sometimes cannot cope with driving in bad weather (heavy rain, snowfall), given the quality of the road surface. In unfavorable weather conditions, accidents often occur not with one car, but with several at once.

Read about insurance here.

How does DSAGO work?

The principle of operation of DSAGO is very similar to OSAGO. True, additional insurance is purchased on a voluntary basis and is valid only if you have a mandatory “motor citizen” license. Within the framework of DSAGO, damage caused to third parties (the injured party) is compensated. This policy covers the following risks:

Property damage – to a car, road infrastructure, buildings.
Damage to the life and health of third parties as a result of an accident. Third parties should be understood as other drivers, passengers and pedestrians.

The operating principle of DSAGO is as follows:

An accident occurred due to the fault of the person who purchased the DSAGO policy.
The MTPL limit is not enough to fully compensate the losses of the victims.
Damage in excess of the MTPL limit is paid through the coverage of the DSAGO policy.

The limit of liability under DSAGO is chosen by the policyholder at the time of registration of the policy. Each insurance company determines the minimum amount of insurance coverage for this type of insurance. Usually the lower limit is at the level of three hundred to five hundred thousand rubles. Upper – from three to thirty million rubles (again, depending on the policy of a particular insurer). The liability limit applies to each insured event and is not reduced by the amount of payments already made.

The principle of operation of DSAGO is very similar to OSAGO. True, additional insurance is purchased on a voluntary basis and is valid only if you have a mandatory “motor citizen” license.

Advantages of DGO insurance

Purchasing a compulsory motor liability is only the minimum scope of insurance in case of damage to a third party injured in an accident, which is required by law. To resolve problematic issues when such events occur, the car owner must take care of his own safety and risks. For these purposes, a DGO .

The main positive aspects of voluntary insurance:

Insurance compensation is paid in excess of the amount paid under compulsory motor liability insurance.
The policy provides full compensation without taking into account wear and tear of the vehicle and components.
Insurance includes technical support on the road.
The ability to determine the maximum insurance threshold yourself.
24/7 support from dispatch and service specialists.

Read about registering an electronic MTPL policy in SOGAZ online here.

Sum insured for DGO

Taking into account the limited amount of insurance payment under compulsory insurance, the DGO policy provides for insurance of the risks of exceeding these amounts of damage. The choice of insurance rate is voluntary and is related to the personal interests of the auto insurer.

This is its main difference from compulsory MTPL insurance - the insured amount is not regulated by law and is determined by agreement of the parties.

The cost of civil liability insurance depends on the following parameters:

The expected maximum amount of compensation upon the occurrence of an insured event. As a rule, it varies on average from 300 thousand rubles. up to 300 million rubles .
Region in which the car is registered and the area of greatest use (metropolis, urban village, etc.)
Driving Experience.
The number of persons who may be allowed to drive a vehicle.
Age category of drivers.
Vehicle type.
Year of manufacture of the vehicle.
The need for additional services : technical assistance, calling rescue services.

What is DGO in OSAGO

DPO is a voluntary type of civil liability insurance, which goes in conjunction with compulsory motor liability insurance, which is mandatory. Many car enthusiasts are interested in the question, why do we need DGO?

But the point here is this: according to the law, the insurance payment under compulsory motor liability insurance to the victim cannot exceed the limit (400 thousand rubles “for health” and 500 thousand rubles “for hardware” for each victim), but the DHI allows you to expand this limiting the limit of liability of the car owner to persons who are victims of an accident.

ATTENTION! First, the amount of damage is paid under compulsory motor liability insurance, and if the amount of damage is higher than the established limit under this agreement, then the DGO comes into play - and the remaining amount not covered by the auto insurance policy is covered by this insurance.

The MTPL agreement is an agreement between the policyholder and the insurer (more nuances about who the policyholder is can be found in this material). The object that is insured in this case is the property interests of third parties that may arise as a result of harm to the health and life or property of the victim in an accident.

To put it simply, by purchasing a compulsory motor liability insurance policy, the car owner first of all insures himself against the following situation: You caused an accident, you crashed the victim’s car - in this case, the insurance company will compensate for your financial liability and pay for the damage to the victim. And the culprit in this case will not pay anything to the victim.

How to apply for a DGO policy?

Since a mandatory condition for obtaining DHI insurance is the presence of compulsory motor liability insurance, it is better to issue a voluntary insurance policy from the same insurance company . Almost all insurance agents provide a discount savings program that provides bonuses when taking out subsequent insurance policies.

It is enough to dial the phone number of the company you are interested in and specialists will guide you in the optimal solution to the issue, as well as select the most acceptable option for issuing and transferring the policy.

To register a civil liability insurance, you need almost the same package of documents as for compulsory motor liability insurance and motor insurance, these are:

Driver's identification documents.
Title documents for the vehicle.
OSAGO insurance policy.

Read about how to buy a compulsory motor liability insurance policy from IC MAX here.

Issue and calculate a DSAGO insurance policy

Extended MTPL insurance can be purchased from any insurance company, while some of them offer to purchase DSAGO simultaneously with MTPL, which leads to a combination of insurance. This is beneficial, first of all, so that when an insured event occurs, there is no need to run through authorities and collect the necessary documents, since payments will be made by the same insurance company.

When purchasing a voluntary policy, you must consider the type of payment:

taking into account wear and tear of the vehicle;
excluding wear and tear of the vehicle.

If the percentage of wear and tear is taken into account, then payments in accordance with this will be underestimated. Therefore, it is certainly more profitable to take the second type. To apply for DSAGO you will need the following documents:

A valid MTPL policy, since without it it is impossible to issue a separate DGO;
A document that confirms the fact that the car is registered;
The owner's driver's license or power of attorney to drive the vehicle;
Identification document of the owner of the vehicle.

Underwater rocks

The conditions of DSAGO are regulated by the insurance rules of a particular company. The relevant document can be found in a special section of our website or on the insurer’s website.

Among the most common problems with DSAGO are:

Many companies do not issue a policy separately and sell DSAGO only as an option to the CASCO program.
According to DSAGO, companies do not pay compensation if the person responsible for the accident did not provide his car for inspection.
It must be remembered that, unlike MTPL, where RSA acts as an additional guarantor of payments, compensation under MTPL depends only on the insurance company. Accordingly, choosing a reliable insurer is especially important here.
Often, when purchasing a policy with a limit of more than one and a half million rubles, you are required to present your car for inspection. This condition for civil liability insurance is aimed at combating fraudsters.

How much does the policy cost?

Let us remind you once again that DSAGO is a voluntary type of insurance. For this reason, unlike MTPL, the insurance conditions here are set not by the state, but by the insurer. In this regard, the cost of the policy varies greatly among different companies. The main factor in pricing is the amount of insurance coverage:

The cheapest insurance is with a liability limit of 300,000 - 500,000 rubles. The price for such a policy varies in the range of 1,000 – 2,000 rubles per year.
DSAGO with a limit of one to one and a half million rubles costs approximately 3,000 – 6,000 rubles.
The maximum possible coverage within the framework of standard DSAGO programs is 30,000,000 rubles. Such a policy will cost 12,000 – 18,000 rubles.

READ MORE: Where to get the Euro protocol form if the policy is electronic.
The cost of DSAGO is also affected by the content of the insurance program and the availability of other car insurance policies. As a rule, CASCO buyers receive a DSAGO policy at a discount and can even be given as a gift as part of a special promotion. For example, when all types of car insurance (MTPL, CASCO and DSAGO) are taken out immediately from one insurer. In addition, experienced drivers with extensive experience and a positive insurance history can count on a reduction in the price of DSAGO. The cost is influenced by the gender and age of the persons allowed to drive, as well as the characteristics of the car itself (year of manufacture, power, engine size, mileage, and so on).

The cost of the service is calculated by each company individually. The maximum payment amount is taken into account: the higher it is, the more expensive the service will cost. The amount is affected by:

insurance period;
Car model;
engine power;
year of its release;
driver age;
driving experience.

Advantages of a voluntary civil liability insurance policy

The car owner can independently set the desired amount of coverage.
The number of drivers and their experience do not affect the cost of insurance.
Payment is made immediately after payment under compulsory motor liability insurance.

Expanding the DPP is a simple way to protect yourself from unnecessary problems in the event of various accidents.

In the struggle for clients, competing insurance companies are constantly expanding the list of services offered under DPP contracts. Among them are many very profitable offers:

full compensation for losses excluding depreciation of spare parts and components;
24-hour consultations with experts and dispatch service in the event of an insured event;
inclusion of free fuel delivery and roadside technical support in the list of insurance services;
uninterrupted operation of claims settlement centers without days off or breaks;
collection and execution of necessary documents by an insurance company employee without the participation of the client.

Some of these services are sold by companies as a package and cannot be excluded from the contract, while some others can be refused.