CASCO for taxis: what are the features of commercial driver insurance, how much does the policy cost, and where can you insure a car?

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Insurance protects car owners and compensates for damages in the event of an accident. This issue is especially relevant for taxi drivers, because they spend a lot of time behind the wheel, which means they are at greater risk of getting into an accident.

Some insurance companies provide CASCO insurance for taxis, but such insurance has nuances, as it is associated with an increased risk for the insurer.

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.

Fines for lack of insurance for taxis

• The validity period of the MTPL insurance policy has expired, the fine is 500 rubles;
• There is no MTPL insurance policy at all - the fine is 800 rubles.
• Illegal transportation of passengers - 3,000 rubles
• Illegal use of taxi identification marks “checkered” - 5,000 rubles.

CASCO insurance is not provided for as compulsory insurance; therefore, there are no penalties for the absence of a CASCO policy.

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.

Stages in purchasing a taxi policy

In motor transport companies, the preparation of a package of documents submitted to the office of the insurance company is usually carried out by a responsible person who has a power of attorney to represent the owner of the taxi fleet.

The whole process looks like this:

1. Submission of all necessary documents to the office of the insurance company.
2. A preliminary calculation of the insurance premium is made.
3. A list of conditions on which the contract will be executed is determined.
4. All information is communicated to the car owner and the terms of concluding an insurance contract are agreed upon.
5. An examination of the technical condition of the machines is carried out.
6. Based on its results, the final amount of the insurance premium is adjusted.
7. The terms of the contract are being adjusted.
8. Actually, drawing up an insurance contract.
9. The insurance premium for taxis is paid and documents are received.

Signing the insurance contract is the responsibility of the trustee.

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).

Cost of the insurance package

At the same time as the vehicle itself, it is possible to insure on the same terms equipment, devices, accessories that are not included in the original package: radios, receivers, seat covers, window tinting, alarm equipment and more. Such a package is called full CASCO, and the cost of the conclusion itself is calculated based on the current market at a given time.

The payment itself can be divided into a maximum of four parts. You can find out the full price directly on the website of the selected organization by filling out all the fields provided. It’s also easy to order an electronic policy without visiting the office - pay, receive it by email and print it out.

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.

Assessing the reliability of an insurance company

When choosing an insurance company, it is important to focus on the following points:

• The company's experience is one of the most important factors; it is better to pay attention to an insurer that has been providing services for at least 5 years;
• Stability of the insurer;
• Reputation - indicates reliability, how responsibly the insurance company treats its obligations; before making a decision, it is recommended to read reviews;
• Loyalty program - availability of discounts and bonuses for regular customers;
• No dumping - low prices should alert the client;
• Individual approach.

To choose an insurance company, you need to not only read reviews from clients, but also find information about how many payments the insurer receives and how much is paid to the client.

It is also necessary to pay attention to the relationship between the possibility of increasing assets and the solvency of the company. Having selected several reliable, stable organizations, you can move on to choosing based on cost.

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.

Registration procedure

Despite the separate rules that come into force when insuring hired drivers, the registration procedure itself will follow a single algorithm. It consists of the following seven steps:

1. Selection of an institution specializing in providing material protection of movable property (not all agencies in the Russian Federation are engaged in issuing CASCO insurance for taxis. Existing participants from the list of authorized companies put forward completely different contract conditions for drivers);
2. Preparation of the minimum package of papers and certificates required to obtain insurance;
3. Adjustment of the basic conditions put forward by agents (this includes: the period of validity of the crust and possible additional services that the client pays voluntarily, above the specified cost);
4. Superficial diagnostics of the vehicle (during a visual inspection of the car, experts note scratches, dents and other damage already existing on the body, with the purpose of their preliminary fixation. In case of a minor accident, the defects found will not be subject to compensation);
5. Familiarization with the franchise and securing it with a signature;
6. Payment of an insurance premium (for a city where the traffic flow is quite dense, higher tariffs are provided than for an urban village or rural area);
7. Receiving CASCO by taxi upon a personal visit to the company’s office (the driver is required to carry with him and use, if necessary, only the original crust. Printed copies have no legal force).

If a citizen is engaged in transporting passengers in a personal vehicle, then he must appear to draw up an insurance contract. But when renting out a car, the owner of the vehicle is obliged to issue a policy only in the presence of the hired driver, since his signature will be required to certify the license.

Required documents

Just like the algorithm of actions when obtaining CASCO insurance for a taxi, the list of necessary documents for this procedure will not change. The following papers and certificates are included in the regulated list:

• Identification. Most often, its role is played by an internal passport. But in its absence, it is allowed to use a military ID or pension card (due to current laws, identifying a person with a driver’s license is strictly prohibited, so it is impossible to consider the license as a backup option);
• Rights of a citizen transporting passengers (needed if the car is rented);
• PTS of the vehicle;
• An extract from the traffic police about the timely registration of the car.

Attention! In addition, if we are not talking about a passenger car, but about a minibus with a capacity of more than 8 people, then additional documents may be required, at the discretion of the insurer. The driver himself decides whether to present them or not.

Where to go

As mentioned earlier, it is quite difficult to insure movable property owned by a taxi company or engaged in regular passenger transportation. And not all companies protect taxi drivers. Of those structures that work in the mentioned area, the most reliable are:

• "Rosgosstrakh";
• "VTB 24";
• "RESO-Garantiya";
• "Agreement";
• "SOGAZ";
• "Alfa Insurance";
• "Ingosstrakh"

It is important to know! It is worth noting that the listed companies provide financial protection for route vehicles. But for this category of transport, the cost of the policy will be much higher.

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Additional factors

A number of additional factors also influence the final cost of CASCO insurance for a taxi. The main one is the service station, where repair work will be carried out:

• the insurer offers a service station with which the company has concluded contracts. For the policyholder, such an offer will be optimal.
• The policyholder can choose any service station - this option will cost an order of magnitude more.

The increase in the price of the policy will be affected by the inclusion of additional options:

• Departure to the scene of an accident by an emergency commissioner;
• Collection of certificates for the state traffic inspectorate;
• Call a tow truck.

The list goes on. The more service options included in the policy, the higher the final cost of insurance.

Legislative regulation

The CASCO policy insures property interests not only in the event of insurance risks associated with theft or damage during an accident, but also in the event of damage to the vehicle by natural disasters or the fault of third parties. Any risks of theft are charged at the lowest rates, since the taxi operates almost around the clock. Special conditions and insurance rules have been developed for insuring cars operating in a commercial area. When taking out a policy, taxi business cars will be able to avoid fines when checking documents and deprivation of payment in case of an accident. A private taxi driver must have a commercial transportation license and a waybill. Saving on obtaining a taxi policy will ultimately cost the owner more.

Legislative support for regulations regarding taxi operations has been developed. The bill released in 2015, in particular Parts 23 and 24 of Article 9 of the Federal Law, is still relevant in the current year 2021. The following articles of Federal Law No. 69 are directly related to taxis:

• regarding violations of the rules, Article 3 provides for liability standards in the form of fines;
• Article 7 introduces a motor vehicle charter with additional liability for violation of the rules;
• Article 8 regulates the rights of legal entities and individual entrepreneurs when transporting taxis;
• Article 9 includes 24 points regulating almost all areas of taxi operations, including obtaining a license, a list of requirements for vehicles, rules for admission to transportation, issues of control by government agencies, etc.;
• Article 10 determines the dates for the entry into force of individual articles and the law as a whole.

The main provisions of Law No. 69-FZ on taxis simplified the procedure and established the need for four documents to obtain a license. One permit is issued per vehicle upon presentation of the following documents:

• an application drawn up according to the approved form;
• copies of ID;
• copies of tax registration;
• copies of vehicle registration (or leasing, rental, power of attorney).

CASCO insurance programs for taxis of different companies provide for an additional number of conditions for concluding a contract, for example, restrictions on driving experience, age requirements, registration under the European protocol. Items typical for personal car policies are often excluded, but those specific to taxis are added - downtime, loss of earnings, damage to the interior by clients, high deductible. The concept of a franchise in the insurance industry refers to the shared responsibility of the policyholder, which reduces the company's insurance payments by the agreed upon amount. Despite the increased requirements for CASCO policies for taxis, many insurance companies encourage taxi owners in the absence of insured events in the previous insurance period by reducing the deductible or reducing the amount of the insurance premium.