OSAGO reso-guarantee calculator. Calculator for comprehensive insurance company Reso programs and conditions of voluntary insurance

The advantages of the full car insurance program according to the rules of comprehensive insurance in RESO-Garantiya are obvious:

The rules of comprehensive insurance in RESO Guarantee make it possible not to provide any documents from government agencies, for example - certificates from the traffic police, if insured event, if no more than a couple of adjacent body parts were damaged in one insured event once a year.

A comprehensive insurance agreement in RESO The guarantee can be concluded for a period of six months to a whole year, so that when using a car seasonally, you do not overpay insurance premiums and save.

If you have already purchased an insurance policy from RESO Guarantee and a corresponding agreement has been concluded under which no losses have been claimed, you can receive a five percent interest rate. If you have theft insurance, you can save about 10%.
You can avoid various troubles associated with increasing coefficients if drivers with little experience are allowed into the insured car by simply replacing them with a 2%-3% deductible.

CASCO insurance in RESO The guarantee consists of several options, in addition - a special one has been added here service program, – it’s called “Road Assistance”. The rules of RESO Guarantee for comprehensive insurance regulate that the number of persons who will be allowed to operate the vehicle will not exceed three. This also includes comprehensive insurance only for the full (or actual) cost. To do this, the car insurance contract provides an option that determines the amount of damage. It is carried out according to the calculations of a specially authorized independent expert company. So, as a result, only one of several options will be presented for determining the extent of the damage: repair at a service station in accordance with the direction of the insurer, or payment of the bill from the service station at the request of the insured. You can calculate your policy online, which will calculate the cost of the policy for you in a few seconds. The calculator is equipped with additional information fields about your car, which, when filled out, can significantly reduce the cost of CASCO insurance.

Our calculator will help you calculate the cost of comprehensive insurance at RESO Guarantees online or calculate the cost of the policy in each specific case. The cost of spare parts may be included in insurance benefits without taking into account wear and tear. Insurance rules RESO-Garantiya allows you to reimburse the costs of evacuating a damaged vehicle from the scene of an accident to a parking lot or repair site. You can also insure your car domestic production or a foreign car, aged from three to seven years. At the same time, the number of persons who will be allowed to manage it will not exceed three.

Features of obtaining insurance from the company "RESO Guarantee"

Territory of insurance coverage: Territory of the Russian Federation.

Payment without traffic police/OVD certificates: Made without restrictions in case of damage to glass elements, as well as in case of minor damage to a body part (damage does not exceed 5% of the insured amount). There are also restrictions - no more than $200 for domestic cars and $500 for foreign cars.

Emergency commissioner, collection of certificates: This service, we can happily offer you free of charge at the expense of our company, in the event that the insurance company does not provide the service or is paid for.

Payment in installments: Possible. Without increasing the cost of the policy.

Tow Truck: Available an unlimited number of times.

Now almost all insurance companies offer to issue electronic policy OSAGO online, without leaving your home. The procedure consists of filling out a form on the insurer’s website, which indicates all the necessary data for issuing a policy, such as information about the car, information about drivers, etc. The cost of the policy is calculated automatically after you enter the data, taking into account the KBM. You can also pay online with bank card. After payment to your address Email An electronic E-MTPL policy will be sent, as well as accompanying materials: insurance rules, a memo, a notification of an accident with an example of filling.

You can buy an electronic MTPL policy on the Ingosstrakh website.

When purchasing an E-OSAGO policy, its validity will begin no earlier than 3 days after registration.

How to calculate the cost of an MTPL policy

The cost of an MTPL policy is calculated based on basic rates and insurance coefficients using the following formula:

OSAGO price = Basic tariff * CT * KM * KVS * KO * KMB * KS * KN

Basic tariffs and coefficients are approved by the government Russian Federation. The coefficients are constant for all insurance companies, and the base tariff has a corridor within which insurance companies can set the price (since 2014). Thus, the cost of the policy may vary among different insurance companies.

Changes to OSAGO

• Now you must contact your insurance company for compensation, regardless of the number of participants in the accident. It is called " direct reimbursement damage." Previously, this option was possible only when there were two participants in the accident.

• Have an opportunity purchase electronic MTPL policy via the Internet. Only novice drivers, information about whom is not yet in the database of the Russian Union of Motor Insurers, will not be able to use this service.
  Check the possibility of providing this service with a specific insurance company.

• Car owners have the opportunity extend MTPL policies from your insurance company in in electronic format through the Internet. To purchase a new policy, you must still contact the office of the insurance company.

• The limit of payments for the life and health of victims increases from 160,000 to 500,000 rubles.
• The procedure for confirming the fact of injury to health in an accident and the procedure for receiving payment under compulsory motor liability insurance are being simplified.

• An increase in the base tariff by 40% and an expansion of the tariff corridor to 20 percentage points, so the increase was 40-60%.
• Changes in territorial coefficients both up and down.

  Odds increased: Adygea, Murmansk region, Amur region, Republic of Mari El, Voronezh region, Ulyanovsk region, Kamchatka Krai, Chelyabinsk region, Kurgan region, Chuvashia, Mordovia

  Odds reduced: Leningrad region, Baikonur, Magadan region, Dagestan, Republic of Sakha (Yakutia), Jewish Autonomous Region, Republic of Tyva, Transbaikal region, Chechen Republic, Ingushetia, Chukotka Autonomous Okrug

On October 11, 2014, a decree of the Russian government was adopted regulating new order calculating the MTPL policy.
Here are the main innovations:

• The emergence of a tariff corridor, which allows insurers to deviate from the base tariff within certain limits. Thus, the cost of the policy in different insurance companies can now vary within small limits.
• Increase in base rates for all types of vehicles by 25-30%.
• Increase in payments under the MTPL policy from 120,000 to 400,000 rubles
• There is now an opportunity to send your car for repairs under the MTPL policy
• Expansion of the Europrotocol to 50,000 rubles

Insurance coefficients

• CT territory coefficient. Determined by region of registration vehicle. Here are the values ​​of this coefficient for some large cities:

  City	Territory coefficient
  Volgograd	1,3
  Voronezh	1,4
  Ekaterinburg	1,8
  Kazan	2,0
  Krasnoyarsk	1,8
  Moscow	2,0
  Nizhny Novgorod	1,8
  Novosibirsk	1,7
  Omsk	1,6
  Permian	2,0
  Rostov-on-Don	1,8
  Samara	1,6
  Saint Petersburg	1,8
  Ufa	1,8
  Chelyabinsk	2,0

• KM- vehicle power factor.

• PIC- coefficient of age and experience. If several drivers fit into the policy, the FAC is determined as the maximum of all of them.

  Experience, years → Age, years ↓	0	1	2	3-4	5-6	7-9	10-14	more than 14
  16-21	1,87	1,87	1,87	1,66	1,66
  22-24	1,77	1,77	1,77	1,04	1,04	1,04
  25-29	1,77	1,69	1,63	1,04	1,04	1,04	1,01
  30-34	1,63	1,63	1,63	1,04	1,04	1,01	0,96	0,96
  35-39	1,63	1,63	1,63	0,99	0,96	0,96	0,96	0,96
  40-49	1,63	1,63	1,63	0,96	0,96	0,96	0,96	0,96
  50-59	1,63	1,63	1,63	0,96	0,96	0,96	0,96	0,96
  over 59	1,60	1,60	1,60	0,93	0,93	0,93	0,93	0,93

• KO- limited use coefficient. If the MTPL agreement does not have restrictions on drivers, then an increasing coefficient of KO = 1.8 is applied. In this case, the FAC is not taken into account.
• KS- seasonality coefficient of use. If insurance is not issued for a full year, a reduction factor is applied.
• KN- coefficient of violations. Applies if there are violations under the previous MTPL agreement as provided for in paragraph 3 of Article No. 9 Federal Law about OSAGO.
• KBM- bonus-malus coefficient. This is a coefficient that reduces or increases the cost of the policy depending on the accident rate in the previous insurance period. Insurance companies use AIS RSA information to apply this coefficient when concluding a compulsory motor liability insurance agreement with the policyholder. AIS is single base data, to which all insurance companies transmit information, thus, the bonus-malus coefficient will be valid for the policyholder when contacting any insurance company. The KBM calculation table is presented below.

The procedure for applying the bonus-malus coefficient

Today there are 13 classes that provide for the use of appropriate coefficients:

How is the OSAGO calculator useful?

Calculating compulsory motor liability insurance on a calculator allows you to find out the cost of the policy before contacting the insurance company. Knowing the exact cost of the policy in advance, you will protect yourself from the imposition of hidden additional insurance.

Calculate the cost of compulsory motor liability insurance at the RESO insurance company and compare the cost of the policy with the offers of other major insurers with additional discounts.

Auto insurance is widely in demand all over the world. In our country there is compulsory auto insurance - OSAGO, which is in the process of active development. Many large and serious companies offer services in this area. One of them is RESO, which has long established itself in the insurance segment.

2 clicks and you will find out

Insurance company "RESO guarantee"

The RESO company was founded in 1991. 16 years of hard work were not in vain. What was once a small company has become Joint-Stock Company open type, which legislative framework is called a public joint-stock company. It has its own secrets of success - an expanded list of services available to everyone. The company has licenses for more than 100 types of insurance, including medical, travel, accident insurance and others. But the priority is compulsory motor liability insurance.

Buy OSAGO online

"RESO guarantee" offers to purchase electronic insurance policies, which are analogues of their predecessors, drawn up on paper. They are more convenient both in use and storage. Information can be obtained quickly and easily by indicating unique number or by accessing the database from your computer or laptop. Electronic system simplifies the work of traffic police officers, and the motorist himself no longer has to worry about leaving a document in another jacket, bag, or forgetting it at home or at work.

Don’t forget that you can check the cost of an MTPL policy not only on the RESO-Garantiya website, but also at the same time for all other insurance companies. To do this, use all insurance companies.

How to buy a policy on the RESO website

The company was one of the first to sell auto liability insurance online. Perhaps for this reason, sometimes during the registration process there is some confusion and internal errors “pop up”. But if you don’t get hung up on this, but patiently and consistently carry out the actions, then getting insurance online is quite simple.

A RESO user can immediately buy a policy on the website by going to “ Personal Area" If you are not one, you must first go through the registration procedure and provide the requested information. You must agree to the processing of your data, otherwise the system will not allow you to proceed to the next stage. This is a standard procedure; information about you is used only for registration of compulsory motor liability insurance. The picture below the form will indicate the symbols that need to be entered. Enter, click “Check data”. Then wait for an SMS message on mobile phone, which will contain the password. After authorization, go to your personal account.

Step-by-step process for purchasing MTPL in RESO online

In the main menu on the left, find the line recommending “Apply for a policy.” Select MTPL from the list provided. Have you already purchased insurance from the company? Then in the appropriate section you will be able to see all your previous documents. Has the expiration date expired yet? You can automatically renew it by clicking the “extend” button. If the document is no longer valid, then you need to re-enter all the data in the appropriate form.

The form states:

• information about the buyer (first name, patronymic, last name, age, place of residence);
• information about the vehicle (type - passenger or truck, presence of a trailer, engine power, number of seats, load capacity, steering wheel location, purpose of use);
• information about persons who will also be allowed access to drive your car;
• driving experience (the cost of compulsory motor liability insurance depends on it, please indicate it as accurately as possible);
• an indicator of the rating system of discounts for the absence of a history of insurance cases (otherwise known as the OSAGO premium) - a bonus-malus coefficient that has a significant impact on the price of insurance.

After filling out all the fields, click the “calculate” button. This way you will see the cost of a car license, which is calculated based on the entered data. Look, get acquainted with the price, if it suits you, click “save”. Next, the system will offer to make a payment using a bank card. If payment is not made, the application will be automatically canceled at 00:00.

When making a payment, you will be able to download the policy in PDF format. Many motorists, accustomed to paper insurance, print out the document and carry it with them in a convenient, familiar format.

Possible problems

In order not to waste your time and nerves, be patient and have some tips:

• accepted for payment plastic cards Visa and Mastercard;
• if you changed your rights at some point (or they were lost), then in the “Date of license” field you need to indicate the date of issue of the first certificate;
• when filling out the number diagnostic card look for the 21-digit number on the back of the card in the "notes" section
• If, when you click on the “save” button, an error appears (validation failed...) - you must carefully check all the filled fields. Sometimes it happens that a client forgets to put a comma, or misses a letter in a word when filling out the OSAGO form. If you don’t see your error, contact RESO technical support. Perhaps the operator with whom you last filled out the document made a mistake. It usually takes 1-2 days to process the application. The response contains a specific description of the error;
• The SMS code may not go through the first time - request again, copy, check for characters from a different layout and enter the corrected code.

There are usually no problems with captcha unless the user accidentally makes a mistake in choosing the correct picture. Then you will be offered a new option.

Prices for services

The car insurance service cannot be cheap, since significant payments are made as a result of an insured event. The price is determined based on the bonus malus, driving experience and age of the motorist. The company offers the ideal combination of price and high quality service.

OSAGO calculator online allows you not only to calculate the cost of insurance, but also to obtain information about profitable promotions and bonuses. Take the opportunity to find out the price of OSAGO in a few minutes.
OSAGO calculator 2019 will help you achieve your goal without extra effort.
Now execute calculation using the OSAGO calculator by itself advantageous option You can do it at home or in the office without leaving your computer. All you need is access to the World Wide Web.

Calculation of OSAGO 2019

Online of course OSAGO calculation 2019 is only approximate and cannot be considered a public offer. And yet, if in the fields OSAGO calculator If you enter the most accurate and reliable information, then the preliminary and final calculations will be the same.

The cost of a policy may vary among different insurers depending on the base rate they apply. Using our OSAGO calculator 2019, you can not only calculate compulsory motor liability insurance for all companies, but also to select best option policy.

Use a convenient tool online calculation of compulsory motor liability insurance and minimize costs.

How to calculate OSAGO 2019

Cost of OSAGO policy is not a static quantity. Legislative changes are regularly made to existing tariff algorithms. On our website they are all already included in OSAGO calculator 2019 year and calculations are carried out according to new tariffs.

OSAGO calculator online

OSAGO online calculator, presented on our website, allows you to compare policy cost calculations for a number of reliable insurance companies with a solid reputation.

Find out now how much you have to pay!

Our OSAGO calculator takes into account estimated differences

Legislation on compulsory insurance motor vehicle liability of road users leads to a common denominator for both careful drivers and those who like to drive recklessly.

The goal of the car owner is to choose the most profitable MTPL. We will help you make a calculation in just a few minutes.

Online OSAGO calculator provides a lot of benefits to road users and, in particular:

• allows you to select best option MTPL policy without a personal visit to the offices of insurance companies and brokers;
• takes into account all factors of formation of the cost of compulsory motor liability insurance - technical, economic, geographical, human;
• provides the most accurate and “up-to-date” information.

OSAGO calculators

The price of a policy is influenced by many factors: some make insurance more expensive, others, on the contrary, cheaper. We offer you a calculator that can process large amounts of data in real time, analyze and provide the user with a ready-made result.

If you have calculated the cost and have questions, ask us.

The RESO insurance company offers its clients not only compulsory, but also voluntary vehicle insurance under the CASCO program. If previously you had to waste your time and personally contact the office to find out the cost, now last years The calculation procedure has been significantly simplified. A real-time CASCO RESO calculator has become available. Let's look at the rules in the article voluntary insurance and all programs. We will also tell you how to use the calculator to save personal time and choose the most profitable terms insurance.

About the insurance company Reso Garantiya

Reso Guarantee– large universal Insurance Company, which began its activities in 1991. Today the insurer is ready to offer more than 100 insurance products. It is important to take into account that each product has a license from Central Bank RF.

The sale of insurance products in Reso Garantiya is carried out by more than 20 thousand agents who have been trained and know not only how to arrange protection, but also all the rules.

Reso Guarantee today is:

• more than 850 branches throughout the Russian Federation;
• more than 10 million clients (individuals and legal entities);
• more than 100 major partners, including banks and shopping centers.

As for the rating, it has not changed since 2009. Based on the results of the Expert RA inspection, the insurer was assigned an A++ rating, which means an exceptionally high reliability rating. This is the company you can trust with your property, since all payments will be made on time and in full.

The insurance company Reso Guarantee is called a real pro, which every year proves its stability and solvency.

Insurance rules

It must be taken into account that the rules are a document that sets out all the rights of both the policyholder and the insurer. Let's look at the main sections of the rules that you should pay special attention to.

Insurance rules for CASCO Reso Guarantee: