What documents are needed for CASCO, all registration options.

List of documents for an individual

An individual must submit the following documents to obtain insurance:

Application for CASCO insurance;
PTS (vehicle passport);
STS (vehicle registration certificate);
Car owner's passport;
Driver's licenses of those persons who will be included in the insurance;
If the policyholder is not the owner of the car, then he must have his own passport with him, as well as a power of attorney (executed in any form) in his name on behalf of the owner of the insured car.

Insurance case. What documents should I prepare?

When a risk covered by a comprehensive insurance policy occurs, the property owner must provide the organization with a basic list of documents.

The package includes:

a correctly completed application form for compensation payments;
a voluntary insurance policy on the basis of which the policyholder demands compensation for losses;
a receipt confirming payment for the services of the insurance company;
PTS and STS;
passport of the car owner;
the policyholder's driver's license;
details to which the car owner wishes to receive the transfer;
if a person acts on behalf of an organization or another citizen - an official power of attorney to represent the interests of the policyholder.

All documents must be carefully checked for factual, spelling and other errors before submission.

Additional requirements

The above lists of necessary documents for registration of CASCO insurance are a mandatory requirement for the policyholder. However, insurance companies, in order to obtain CASCO, have the right to request the following:

A document confirming that the vehicle has been inspected for defects and damage;
A set of car keys, consisting of a main and a spare (a prerequisite for CASCO).

There are often cases when a car has an automatic start system and one of the keys is built into this system. This situation does not exclude the need for an additional key. You will have to order it from a car dealer. Ignoring this requirement will prolong the process of concluding an insurance contract for more than a month.

Information on CASCO insurance options

A comprehensive movable property insurance policy is issued taking into account several covered insured events. This means that a motorist can apply after the occurrence of several accidents. The insurance company took an individual approach to each type of covered risk that occurred.

To receive compensation in each specific case, an additional package of documents is required.

The list expands depending on the insured event that occurred:

In case of a traffic accident:
Certificate of a traffic accident in Form 154, provided by representatives of the road service. It is important to know: from October 20, 2021, in the absence of a certificate of a traffic accident, the list of documentation must include information: details of the vehicles involved in the accident: make and model of the car, registration plate and VIN code;
complete and reliable information about drivers: full name, place of residence;
numbers of compulsory insurance policies for each participant;

a list of damage received as a result of the collision (only superficial information is allowed, since not all drivers can correctly assess the internal damage to the car).
A copy of the resolution on the existence of an administrative offense.
Protocol on the initiation or refusal to initiate criminal proceedings.
If there are victims, a certificate of passing a medical examination (the result of an examination for intoxication may also be required).

When registering a traffic accident according to the European Protocol:
Statement of the occurrence of a risk covered by the insurance policy. This document must be completed by the insurance company.
If the car was damaged as a result of man-made accidents, the actions of wild animals, a landslide, as well as unlawful actions of third parties:
Certificate confirming the existence of damage in form No. 3. You can get it at the police station.
A resolution confirming the fact of an administrative offense.
A copy of the document confirming the initiation of administrative proceedings or refusal of this measure.

However, the presented list cannot be called final. For each individual case, additional documents may be needed from a variety of authorities to confirm the fairness of the claim to receive insurance funds.

So, additional papers will be needed if:

Vehicle theft. The supporting certificate is in free form and contains information about the progress of the search for the stolen car. The policyholder can obtain it from the police and use it within 10 days from the specified date.
The onset of a natural disaster. Damage caused by irresistible natural forces is confirmed with a certificate from the Roshydrometcenter.
Fire. You will need a report drawn up by the Ministry of Emergency Situations and containing information about the damaged elements of the car.
Damage to the vehicle by a foreign object. If a stone hits a moving vehicle and causes serious damage, you will need a certificate of form No. 154. You can obtain the paper at the traffic police department.

A more detailed list of additional documentation can be found using various resources provided by the insurance company. However, it is worth paying attention to the fact that there are other ways to confirm what happened, besides documentation. For example, photo and video materials. When an insured event occurs, the motorist should take care of filming the incident and recording all significant details.

What else should car owners know?

Those wishing to purchase CASCO insurance should consider the following points:

The insured car must be no older than 10 years. Some companies do not insure cars whose “age” exceeds 7, sometimes 5 years;
Those who are not its owner (third parties) also have the right to insure a specific car;
If the insured vehicle has an alarm system, it is worth indicating this. This fact will significantly save the percentage of cost paid in case of theft.

Return of the franchise. What documents are required for CASCO insurance?

Often, a comprehensive insurance policy for movable property is issued if the contract contains information about the deductible for the CASCO policy. It is important to know that sometimes motorists have the right to return it in the event of an insured event, if the accident occurred due to the fault of a third party - the second participant in the accident.

In such situations, the policyholder needs to collect a package of documents to receive compensation under the CASCO policy and send it to the company from which the insurance was purchased. Next, you need to demand the return of the deductible from the guilty party of the traffic accident.

To return the franchise, the motorist must provide the following documentary evidence:

a refund application completed in a specific form (the format is provided by the insurer);
a document confirming the presence of franchise conditions in the agreement;
conclusion of the appraisal examination;
bank details to which the owner of the vehicle wishes to receive a transfer of funds.
certificate confirming the validity of the traffic accident.

To return the franchise, you should prepare two sets of documents in advance. This way the car owner will free himself from unnecessary hassle. The vehicle owner will need only one set if the voluntary insurance policy and the compulsory insurance of the guilty party were purchased from the same insurance company.

Termination of the CASCO agreement. Documentation

The current legislation of the Russian Federation regulates the right to terminate contractual agreements by mutual or personal consent of the subjects of legal relations. The main condition is the presence of a significant reason for interrupting the business relationship.

To terminate a voluntary insurance policy early, a motorist must provide the insurance company with the following package of documents:

a well-written application clearly indicating the reasons for termination of the insurance contract;
passport of the policyholder or his legal representative who has an officially confirmed power of attorney to act on behalf of the subject of the insurance transaction;
a check confirming payment for insurance services;
details to which the policyholder wishes to receive a transfer of funds;
documents confirming the legality of premature termination of the transaction, for example, a purchase and sale agreement, a deed of transfer of property as a gift;
in case of theft of a vehicle - the corresponding protocol from the traffic police;
in the event of the death of the policyholder - a death certificate.

The severance of business relations with the insurer cannot be chaotic and unreasonable. The owner of the vehicle must justify the reason for the premature cancellation of the contract.

How to file an accident under CASCO

In addition to clear knowledge of the Traffic Rules, there is a certain algorithm of actions that must be carried out under CASCO in the event of an accident:

Turn on the alarm signal. Install a warning triangle.

It is strictly not recommended to leave the scene of the accident, move the car or other objects related to the incident until the traffic police arrive.

traffic police officers by phone to the scene of the incident to draw up a report.
By calling the CASCO hotline specified in the insurance policy, report the incident within the time specified in the contract after the accident.
If you are the culprit of an accident, you should apologize to the victim so as not to escalate the situation. If you are the injured party, remain as calm as possible. It is important to remember that your property is insured.
It is necessary to record with a camera the location of the accident, the condition of the car and the asphalt surface.
In the event of a controversial situation, it is necessary to have eyewitnesses to the accident and record their names and phone numbers.
Any passengers in your car, even those with whom you have close family ties, can act as witnesses to an accident.
If you are the injured party, you must record the insurance policy details of the person at fault in the accident (full name, residential address, telephone number, policy number, name and contacts of the insurance company).
You should carefully monitor the description and recording by the traffic police of external and internal damage to the car . The insurance company's adjuster must be sure that the damage occurred at the time of the incident, and not before or after it. Payment of insurance compensation under CASCO for undocumented damage will not be made.
If, due to an accident, the vehicle is not able to move independently, it is necessary to use the services of a tow truck, which will deliver the car to a parking lot or service station. The rules provide for payment under the CASCO policy of compensation for these expenses, confirmed by the corresponding payment receipt.
Be sure to fill out the accident notification form, taking into account all participants in the incident. It is attached to the CASCO policy.
Receive from the traffic police officers the documents necessary to file an insured event.
If you have any questions at the scene of an accident, you must call the hotline . It is indicated in the insurance policy, and get the necessary advice.

The accident report must include the note “possibility of hidden damage” - this is a significant detail for compensation for damage under CASCO.

Deadlines for submitting documents

Depending on the purpose of contacting the insurance company, the deadline for submitting a package of documents is determined.

There are the following official deadlines for submitting documents:

from 30 to 10 days before the end of the voluntary insurance policy period - if the motorist wishes to extend the CASCO agreement;
within 7 days from the date of the incident of the risk covered by the insurance - to receive compensation payments after the insured event;
at any time - if the car owner wishes to terminate the relationship with the insurance company;
within a three-year period from the date of the incident - to file a claim for compensation for damage caused.

Practice shows that drivers should not delay submitting documentation if there are clearly defined deadlines. So, if a motorist makes a claim towards the end of the three-year period, they will be significantly less likely to receive the full payment.

If the deadline for submitting documentation is missed, the insurance company will rightfully refuse to provide any services to the motorist. For this reason, a more rational action would be to prepare documents in a timely manner.

Documents for repairs under CASCO

The insurance company will provide compensation to the car owner only if he has the necessary documents. It is worth noting that a certificate from the traffic police may not be needed if there is minor damage - you need to check this with a representative of the insurance company.

Documents for the purchase of voluntary insurance sometimes provide for the possibility of obtaining minor repairs under CASCO without providing certificates. This option is relevant if mirror coatings are damaged or receive minor scratches.

If the possibility of obtaining repairs without certificates is not specified in the insurance transaction, the driver will receive a referral to a service station if he has:

a valid voluntary insurance policy;
official confirmation of vehicle registration;
certificates in form No. 12 containing a description of the drivers involved in the incident;
certificate in form No. 748 containing a description of the scene of the incident.
a copy of the received protocol.

After providing the insurance organization with the necessary list of documents, the motorist must provide the vehicle for an examination, as a result of which a specialist will determine the damage caused to the car. The insurance company must review the received documents within 2 weeks and issue the client a referral for vehicle repair.