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AVTOPROFI

Are you always careful and attentive when you drive? Do your skills and driving experience help you to avoid unpleasant situations on the road? If yes, then our new product Avtoprofi is for you. If there are more drivers like yourself, it will be much easier to drive. Ingosstrakh trusts you and decided to lower the cost of motor hull insurance for you. Now, when you buy Avtoprofi insurance policy, you will be able to save a good sum of money.

What is Avtoprofi?

• This insurance against damage, which is 25% cheaper*. You can choose yourself, how you want to be compensated,   even after the insured accident takes place – compensation of repairs at the leading technical centers and by the official dealers of international manufacturers or a monetary compensation.
• You can save 40% of the cost of insurance against damage if the car is older than two years. When signing a contract, the car owner will simply have to choose repairs at technical centers that are not official dealers. The client can also get monetary compensation, if preferred**.
• Avtoprofi policy envisages motor hull insurance with RUB 10k of franchise for drivers in Moscow and Moscow oblast. In other cities of Russia the franchise is RUB 15k. If this is the first insured accident, theft or damage will be compensated in full and franchise will not apply. If until expiry of the Avtoprofi policy no insured accidents took place, you will be offered a discount to prolong your contract.

How does Avtoprofi work?

Hull insurance without Avtoprofi

You decided to buy a standard motor hull insurance policy. In case of the insured accident all losses will be covered by Ingosstrakh and you won’t have to pay anything extra.

Hull insurance with Avtoprofi

You have decided to buy Avtoprofi. If you choose the option with stoa repairs by the official dealers, the cost of insurance against damage will be 20% lower *. If you own a second-hand car and you agree to stoa repairs, which is not by the official dealers, the cost of your policy will be 36% lower**. The company will pay full indemnity if this is your first insured accident. In case of second  and subsequent insured accidents, you will pay damage to the amount of franchise, and Ingosstrakh will cover the remaining portion.  

Terms of sales in all cities of Russia except Moscow and Moscow oblast:

• Avtoprofi is intended for clients older than 25 years with at least 2 years of driving experience
• The offer is valid for insurance of passenger vehicles of any brands

You can also choose different services, where the terms of providing the services of “Gathering Approvals” and “Technical Help on the Road” will be the same as other standard insurance products. Visit of expert to the scene of insured accident can be purchased additionally****.

Driving carefully is not only profitable, but also safe!

*Under the terms and conditions of Avtoprofi contract, taking into account reduction factor for the risk of damage (motor hull insurance) and unconditional franchise (RUB 10 thousand in Moscow and Moscow oblast and RUB 15 thousand in other cities) to be applied starting only with the second insured accident. 

**Applies only if the policy is purchased in Moscow and Moscow oblast.

*** Franchise is the share of the Insured Person in compensation for damage. The franchise will de deducted from the amount of compensation.

****Find out if the service is available and on what terms.