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Motor insurance

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Ingosstrakh has been in motor insurance since 1947. Over the recent years, the company has developed a statistic database which is unique in Russia. It is used by our experts as a basis for detailed consideration of risks and enables them to manage insurance rates efficiently. The extensive fleet of insured vehicles makes insurants eligible to exclusive discount rates on repair services through service stations of official dealers; while the regional network of branches enables insurance expand the geography of vehicle operation without impairing the quality of vehicle maintenance and servicing.

To corporate clients, Ingosstrakh offers all types of insurance products recognized and used in international practice that may provide the fullest scope of motor insurance.

Insurance of vehicles

Object of insurance:

• Means of transport (Vehicles).

Insured risks:

1. motor vehicle accident;
2. fire;
3. natural disaster (hail, earthquake, storm, hurricane, flood, tornado);
4. intended malicious action of a third party against a vehicle;
5. damage by a flying-off or fallen object;
6. animal actions;
7. damage through a combination of risks listed in pp. 1-6;
8. carjack (theft);
9. motor hull – an aggregate of risks listed in pp. 1-8.

Civil liability insurance

Object of insurance:

• liability of a vehicle owner.

Types of insurance:

• compulsory motor insurance (OSAGO),
• voluntary motor insurance (DSAGO).

Accident:

• liability of the motor vehicle owner to restitute, as prescribed by the law, the damages caused to life and property of other people during the operation of the insured vehicle.

Accident insurance of driver and passengers

Object of insurance:

• life and health of passengers and the driver of a vehicle.

Accident:

• If an accident (i.e. an unexpected incident resulting in a wound, injury or any other health damage) results in a long (over 4 months) or permanent disablement or death of the Insured person.

Special policy conditions:

• Motor hull contracts cover CIS and Baltic states;
• Option to execute an insurance contract inclusive of the risk of theft prior to the registration of the vehicle with the State Traffic Safety Inspectorate;
• No restrictions as to the storage conditions (including during night hours) or a vehicle during the term of the insurance contract;
• Indemnification of all losses incurred during the term of the insurance contract provided that all and any bullet payment is within the size of the insured amount: it means that the aggregate amount payable by the insurer for several accidents with the vehicle may be in excess of the insurance coverage;
• Replacement of damaged parts and components with new ones exclusive of amortization;
• Indemnification of minor damages without presentation of certificates from the State Traffic Safety inspection;
• Consulting support from the time of the motor vehicle accident;
• Complimentary 24x7 evacuation of the vehicle from the accident site anywhere in Moscow and/or Moscow Region;
• Special system of remote settlement of insurance claims;
• Coverage of all employees of client companies admitted to operation of vehicles by insurance contracts.

You may choose the most suitable form of damage indemnification:

• Restoring repair through official dealers and retention of the guarantee;
• Payment of the insurance indemnity in the form of payment of the invoices issued by the service stations you choose;
• Payment of the insurance indemnity against the expert opinion by an independent vehicle damage appraiser.

Monitoring of insurance programs:

• Appointment of dedicated employees to work with your company in the execution of insurance contacts and settlement of insurance claims;
• 24x7 information support;
• Discounts on insurance of private vehicles and property of employees.