Dsago: what it is and how it differs from CTP and hull?

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2018-03-28 13:19:09

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Few people have questions about the difference between the CTP and CASCO. But there are more and dsago. What is it? As it relates to insurance and how it differs from the hull? Let's face it.

What is it and why should I?

So, dsago: what it is and why you need to? Let's start with a reminder of a known fact: not always the insurance for insurance fully covers the damage. Prices for parts and repair, as well as the cost of medical services change faster and more often reviewed than the maximum sizes of insurance payments. Not a single driver, even the most experienced could not be a hundred percent protected from accidents.

The hull allows to guarantee the payment in the right amount, but this service is expensive, and not every car owner can afford such expenses. In this case, you should think about this kind of insurance.

Insurance dsago otherwise referred to as extended insurance. The advantage is significant, compared with the “motor”, the increase in the sum insured. If the payments, which relies on the CTP are insufficient for full compensation, the difference can be pay within dsago.

So, we are talking about voluntary insurance of civil liability in addition to compulsory. Instead of the abbreviation dsago may apply DAGO, Dosago, DGO, DSGO.

dsago it

How to apply?

As has been said, dsago-voluntary. Consequently, the rates it each insurer sets its own. Primarily the cost depends on the sum insured, however, the experience of the driver, type, capacity and age of vehicle and term of the policy is also relevant.

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Do Not forget that OSAGO-mandatory document for driver. Replace it with dsago impossible. In fact, you will have two insurance. But they will cost cheaper than the hull, which, incidentally, is also not exempt from insurance.

To issue the policy dsago, prepare:

  1. Driving licence.
  2. Insurance Policy.
  3. The Document of vehicle registration.
  4. Passport.
  5. Information on the persons admitted to control.

The easiest way to contact the same company that issued you insurance, to avoid problems with the determination of the amounts of benefits in the event of an accident.

Typically, when you purchase the extension to the “motor” insurers do not inspect the car. But if the owner requests a too high amount of compensation (over 2 million), it can cause suspicion of the insurer. Then the inspection will still take place.

Carry a form of extended insurance is optional.

Polis dsago

Who needs dsago?

What would you have spoken to insurance agents about the benefits of a voluntary policy, no matter how frightened risk to crash into expensive cars, their words must be divided into two or even three. The probability of serious accidents, in which the amount of damages exceeds the standard limit for CTP-400 thousand rubles, not so high. Even an expensive car difficult to damage at a higher amount in the driving conditions on city streets.

And yet dsago will not prevent young, inexperienced car owners with little driving experience, as well as those who prefer an aggressive style of management and high speed.

What dsago different from CASCO And CTP?

Speaking about voluntary “motor”, it would be nice to draw a parallel with other types of auto insurance to better understand dsago. What it is, we understand, but how does it differ from the same voluntary CASCO?

Hull – is to protect the car of the policyholder, whereas OSAGO and dsago-protection responsibility of the vehicle owner. If you are the culprit, then, if the hull can expect to recover the cost of repairing your car. If you only have a CTP or dsago, then compensation will be granted only to the injured party.

The Difference with insurance is the cost of the policy and the amount of compensation. Tariffs for CTP installs the Central Bank, and with the price dsago insurers are free “experiment” any. With regard to the insurance amount, payment for dsago represents the difference between compensation for insurance and real amount of damage.

insurance dsago

Here we found out all about dsago: what is, how to make and can replace other insurance. Be careful on the roads!


Article in other languages:

AR: https://www.tostpost.com/ar/finance/3929-dsago-ctp.html

BE: https://www.tostpost.com/be/f-nansy/6952-dsago-shto-geta-chym-adrozn-vaecca-ad-osago-kasko.html

DE: https://www.tostpost.com/de/finanzen/6952-dsago-was-ist-das-und-wie-unterscheidet-sich-von-der-kfz-haftpflichtve.html

ES: https://www.tostpost.com/es/finanzas/6958-dsago-qu-es-y-en-qu-se-diferencia-un-osago-y-el-casco.html

HI: https://www.tostpost.com/hi/finance/3931-dsago-ctp.html

JA: https://www.tostpost.com/ja/finance/3930-dsago-ctp.html

KK: https://www.tostpost.com/kk/arzhy/6955-dsago-b-l-ne-zh-ne-nemen-erekshelened-osago-zh-ne-kasko.html

PL: https://www.tostpost.com/pl/finanse/6957-dsago-co-to-jest-i-czym-r-ni-si-od-oc-i-casco.html

PT: https://www.tostpost.com/pt/finan-as/6953-dsago-o-que-e-o-que-diferente-de-ctp-e-o-casco.html

TR: https://www.tostpost.com/tr/maliye/6959-dsago-bu-ve-daha-farkl-ctp-ve-hull.html

UK: https://www.tostpost.com/uk/f-nansi/6956-dsago-scho-ce-chim-v-dr-znya-t-sya-v-d-osacv-kasko.html

ZH: https://www.tostpost.com/zh/finance/4239-dsago.html






Alin Trodden - author of the article, editor
"Hi, I'm Alin Trodden. I write texts, read books, and look for impressions. And I'm not bad at telling you about it. I am always happy to participate in interesting projects."

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