Solaris comprehensive insurance as a gift. Casco for Solaris

Choosing and purchasing a car is a responsible procedure that requires not only financial, but also emotional costs.

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Each car dealership periodically holds various promotions to attract the attention of customers. The most popular promotion is “CASCO as a gift”. What are the advantages and disadvantages of this promotion, read on.

In what cases is it imposed

The CASCO gift promotion is carried out by car dealerships, usually at the end or very beginning of the next year.

First of all, the special offer is aimed at making a profit for the car dealership from the sale of vehicles produced in the previous year.

For example, in February – March 2019, the promotion in question was offered at car dealerships when purchasing Hyundai cars.

However, please note that the special offer applies exclusively to cars produced in 2019.

The essence of the action lies in the following aspects:

• the buyer receives the car at a significant price discount;
• the amount of the discount is the payment of the insurance premium under the CASCO policy, that is, the buyer purchases a car at the regular price, but receives the CASCO insurance policy “as a gift”.

It is concluded by a car dealership for a period of 12 months, however, the amount of the discount provided is not always sufficient until the insurance premium is paid in full.

Therefore, the terms of the promotion may indicate that payment for the policy transferred to the buyer as a gift is made only for 3–6 months.

This means that after the prepaid period, the policyholder (car buyer) will have to pay the remaining premium to the insurance company themselves or terminate the car insurance contract.

Any buyer choice is associated with certain costs. In the first case, with cash, since the additional payment must be made from one’s own funds.

In the second situation with temporary ones, since you need to independently visit the salon and apply for early termination of the insurance contract.

So, in what cases is it profitable for car dealerships to carry out such promotions:

• a drop in demand for vehicles of a certain make and model. Currently, middle class cars in the price category are the most popular 600,000 – 800,000 rubles;
  

  To attract attention to more expensive cars, car dealerships “give” various gifts, including a CASCO voluntary car insurance policy.

• Availability of a large number of cars of a certain model in stock. Concerns produce vehicles all year round, and the demand for cars increases only in the spring;
  

  To ensure that vehicles do not “stay” in warehouses, car dealerships, together with manufacturers, hold various promotions.

• The car is purchased with borrowed funds and CASCO is a mandatory condition of the loan agreement. CASCO as a gift when buying a car on credit allows you to attract the client’s attention to certain types of vehicles.

The reasons for the “CASCO as a gift” campaign may be different, but all of them lead to the car dealership receiving additional profit from the sale of more vehicles.

Is it possible to refuse

Can a car buyer refuse a CASCO insurance policy? Without a doubt. The choice of vehicle and additional options is entirely the prerogative of the buyer.

However, the following factors must be taken into account:

• when any promotion is valid, a discount is provided for a car of a specific brand;
  

  If the buyer for some reason refuses the “gift,” then at the same time the possibility of receiving a discount is reduced (completely eliminated).

• Without a CASCO voluntary car insurance policy, it is impossible to purchase a car. In some cases, car dealerships that have developed special promotions operate strictly within the framework of the option offer and do not intend to sell vehicles on other terms.

Benefits and disadvantages of CASCO as a gift

What do insurance companies and car owners get from the “CASCO as a gift” campaign? Each party has its own benefit from the imposed additional option.

For SK

An insurance company that is a partner of a promotion carried out by a car dealership (manufacturer) receives:

• profit. The cost of a voluntary motor vehicle insurance policy is transferred to the insurance company to pay the insurance premium under the contract;
  

  It is the insurance premium that is the most significant part of the profit of any insurance organization.

• the expansion of the customer base. Each insurance company is struggling with competitors to attract new clients, especially for such expensive insurance policies as CASCO. In most cases, if a client enters into a contract with one company, then with a 98% guarantee he will continue to be insured with this company;
  

  To retain clients, organizations also provide various promotions, for example, providing a discount of 10% - 15% when renewing a previously concluded insurance contract.

• additional advertising. As a rule, when carrying out promotions, car dealerships increase the amount of advertising in the media (television, radio, newspapers). And in each advertisement it is indicated that the action is carried out with the support of such and such an insurance organization.

However, CASCO insurance issued as a gift may have a negative impact on the insurance company.

Negative aspects are:

• the need to make an insurance payment if an insured event occurs during the period of validity of the voluntary car insurance contract. Depending on the situation, the amount of payment can be significant (for example, theft or complete loss), which leads to losses;
• the need for additional cooperation with the client and his involvement to renew the policy.

Since car dealerships conclude a car insurance contract for a period of 1 year, but payment of the insurance premium is partial, the insurance organization must independently contact the client (the policyholder) and convince him of the need to renew the car insurance.

For the car enthusiast

New car owners also have their positive and negative aspects when receiving CASCO as a gift when buying a car.

The advantages of receiving a policy as a gift include:

1. Comprehensive protection of acquired movable property. In most cases, car dealerships issue full CASCO insurance, which protects against theft (theft) and damage resulting from:
   • road accidents, regardless of the culpability and degree of culpability of the insured in the accident;
   • natural disasters (hurricanes, floods, storms, etc.);
   • actions of third parties that may cause scratches to the body, break windows, or damage other elements of the car;
   • collisions with animals;
   • falling foreign objects (stones, bottles, etc.);
   • collisions with stationary objects (poles, fences, etc.);
   • man-made accidents;
   • accidents on various pipeline systems.
2. Receiving additional services included in car insurance. Some insurance organizations include the following services in a standard insurance policy:
   • free evacuation of a vehicle in case of breakdown or significant damage. Towing services may extend to the territory of a separate region, which is the place of registration of the car owner, or to the territory of the Russian Federation;
   • technical assistance. Such assistance is provided in unforeseen situations that occur on the roads, for example, damage to a wheel;
   • emergency commissioner. A person with the appropriate education helps the policyholder to correctly file a traffic accident or other insured event in order to be guaranteed to receive insurance compensation;
   • 24-hour support provided in any situation by telephone.
3. Possibility of obtaining a CASCO insurance policy for the next insurance period with additional discounts, subject to cooperation with the same insurance organization.
4. Receiving a discount on the purchased car.

The most significant negative aspects of such a gift as CASCO are:

• the need to pay an additional insurance premium so that the car insurance received as a gift is valid for the entire period specified in the contract;
• time spent on renewal.

Thus, on the one hand, the buyer of a promotional vehicle receives additional benefits in the form of protection of his own property, and on the other hand, additional expenses that are imposed by the car dealership together with the insurance company.

How to avoid becoming a victim of deception

In order not to be deceived when buying a new car, it is recommended to follow the following rules:

1. Before going to a car dealership, you need to decide on the make and model of the vehicle you want to purchase. In this situation, the car dealership employees will not be able to convince the client to purchase another car.
2. Using the Internet, choose a car dealership that has an excellent reputation and does not deceive customers.
   

   Many Internet sites contain reviews of consumers who have encountered this or that organization. Based on these reviews, you can independently determine whether the car dealership is reliable.

3. Pre-select an insurance company to purchase and. When choosing a car insurer, attention is paid to the following aspects:
   • company rating assigned by specialists (rating agencies). It is more advisable to trust large insurance organizations that have a consistently high rating (A++). Only in this situation can it be guaranteed that the company will not go bankrupt;
   • national rating, which is compiled based on reviews of consumers of insurance products;
   • the amount of equity capital. The higher the capital available to the insurance company, the lower the chance of being denied insurance payment for unreasonable reasons;
   • If the car owner was previously insured by any insurance organization, then it is more profitable to continue cooperation with this company, since you can get a significant discount as a regular customer.

If the car owner intends to additionally insure the purchased movable property, then the “CASCO as a gift” promotion can become a significant financial aid and the prospect of long-term cooperation with the insurance company.

All buyers of the company's bestseller, the Hyundai Solaris, are provided with a CASCO policy free of charge 1 . The terms of the promotion are also unique in that the client receives a full CASCO policy, including compensation for damage, theft and loss of the car.

The terms of the promotion allow the purchase of the Solaris model both on credit and with your own funds. All new clients of the Solaris model will receive this unique opportunity: the client’s age and length of service do not matter when determining the terms of the insurance contract, which is another advantage of this offer. The program partner is the insurance company VSK. As part of the insurance contract, the company guarantees that the damaged vehicle will be repaired only from official dealers.

This offer is another step the company takes towards the client, especially relevant on the eve of the winter season and in a difficult market situation.

1 When purchasing a Hyundai Solaris car, the client receives a CASCO policy for his car with a validity period of 1 (one) year. The CASCO policy provides for the payment of insurance compensation minus an unconditional deductible in the amount of 18,000 rubles. for insured events defined in the policy and taking into account the provisions of the Insurance Rules, and related to loss, destruction, damage to the purchased Hyundai Solaris car. The offer is for informational purposes only and is not a public offer (Article 437 of the Civil Code of the Russian Federation), valid from 01.09.2016. until November 30, 2016 Details on the website www.hyundai.ru and in the showrooms of official HYUNDAI dealers. The terms of the program can be changed unilaterally by VSK JSC. (Licenses of the Central Bank of the Russian Federation - SL No. 0621, SI No. 0621 dated 09/11/2015 www.vsk.ru).

• In March, unique conditions will start when purchasing a Renault Kaptur car - a loan from 5,900 rubles per month and 1 year of CASCO as a gift.
• For other models there is a favorable credit offer - 4.9% for 3 years for Renault Logan, Sandero, Sandero Stepway, Duster, Kaptur.

Customers purchasing Logan, Sandero, Sandero Stepway, Duster and Kaptur cars can take advantage of special conditions - from 4.9% per annum for 3 years or the “Let's go!” program. – loan with remaining payment. All credit programs are combined with existing recycling and trade-in programs for the Renault model range.

The state program “First Car” and “Family Car” also operates in March. The “First Car” program is aimed at everyone who purchases a car for the first time, and the “Family Car” program is aimed at families with two or more minor children. The cost of the car should not exceed 1,450,000 rubles 2

Participants of the new programs will be able to receive an additional discount when purchasing Renault cars on credit - 10% of its cost 3 to pay the down payment on the loan - along with the existing favorable loan offers from Renault Finance and Renault Insurance 4

About Renault Finance

is a financing program that is designed to make Renault cars as affordable as possible, offering customers favorable terms for their purchase. The Renault Finance program constantly offers new innovative financial products, thanks to which customers save on loan interest and have a monthly payment that is comfortable for their personal budget. More than 300,000 people have already become clients of the Renault Finance program.

1 Lender – JSC RN Bank (license of the Bank of Russia No. 170 (perpetual)). Currency – rubles. Monthly payment – ​​5,900 rubles, calculated based on the recommended price of 944,990 rubles. for new Renault Kaptur cars in the LIFE configuration (Life), 1.6 L, 114 HP, CVT. Advance – 476,461 rubles, loan term – 3 years, rate in the loan agreement – ​​11.5% per annum. The loan amount is 442,877 rubles, the amount of the last payment is 40% of the cost of the car. It is mandatory to purchase the “Budget Protection” service on credit (Provided by SK Cardiff LLC, tariff – 0.15% per month of the loan amount) for the loan term. Under the terms of the “Casco as a gift” promotion - with the simultaneous purchase of a Renault KAPTUR car and a CASCO insurance policy from 1 to 3 years (Provided by PJSC IC Rosgosstrakh (License SI No. 0001 dated May 23, 2016, unlimited), SPJSC INGOSSTRAKH "(license of the Bank of Russia SI No. 0928 dated 09.23.2015, unlimited) or LLC IC Soglasie (license No. 1307 dated 05.25.2015, unlimited), the buyer is provided with a proportionate reduction in the price of the full cost of such an insurance policy, for a period of 1 year. The policy can include drivers over 25 years of age with a driving experience of 5 years or more. Loan collateral is a car pledge. This is not an offer and is valid until 04/01/2018 for new cars manufactured in 2017/2018. The number of cars is limited.

2 The borrower and the purchased car must meet the requirements established by the resolution of the Government of the Russian Federation on the provision of subsidies from the federal budget to Russian credit organizations to compensate for lost income on loans issued by Russian credit organizations to individuals for the purchase of cars.

3 Lender - JSC RN Bank. An additional discount on the payment of the down payment in the amount of 10% of the cost of the car in the purchase and sale agreement is due to a subsidy allocated to JSC RN Bank from the federal budget to compensate for income lost as a result of the provision of this discount.

4 Renault Insurance is a property insurance program for Renault cars. Insurance is provided by PJSC IC "Rosgosstrakh" (license SI No. 0001 dated 05/23/2016, unlimited), SPJSC "Ingosstrakh" (license of the Bank of Russia SI No. 0928 dated 09/23/2015 without limitation of validity) or LLC IC "Soglasie" (license No. 1307 dated May 25, 2015, unlimited), the full Insurance Rules can be found on the websites of these organizations: ingos.ru, www.rgs.ru, www.soglasie.ru.

If you are interested in how much CASCO for Solaris costs, when purchasing a car from an official dealer, you can take advantage of the advantageous offer for the “CASCO as a gift” promotion. Insurance costs put a major strain on your budget after purchasing a new car, but they can be avoided. Read the terms and conditions of CASCO insurance for Solaris.

Conditions for providing insurance as a gift

The official representative office of the manufacturer Hyundai and the insurance company VSK entered into an agreement to repay the cost of CASCO Hyundai Solaris when purchasing a new car of this model from an official dealer. The following conditions apply to this program:

• As a gift, buyers are provided with a full package of CASCO insurance services for the Hyundai Solaris; there are no restrictions on regions, buyer age or driving experience.
• The insurance program includes an unconditional deductible of 18,000 rubles. It will allow you not to contact the insurance company for every minor accident and not waste time waiting for traffic police inspectors to fully document every minor incident in the parking lot.
• The program applies to all new vehicles: it applies to cars purchased both in cash and on credit. Most often, CASCO on Solaris is issued precisely when drawing up a loan agreement, so that the bank is confident in the safety of the collateral and its protection from destruction or theft.
• The terms of the program are accepted by all banks cooperating with the manufacturer. The CASCO insurance policy for Solaris is accepted when drawing up a loan agreement, and the buyer will not have any problems.
• The full cost of CASCO for Hyundai Solaris is paid by the manufacturer. In this case, the money is not transferred to the buyer, but is directly transferred to the accounts of the VSK insurance company.
• The client receives a gift certificate for the full price of CASCO for a Hyundai Solaris when purchasing a car in the showroom.

By using this program, you will save a significant amount: the CASCO price for Solaris according to standard insurance company programs reaches 8-10% of the total cost of a new car. In some cases, this amount has to be included in the loan program, which subsequently increases the overpayment.

Additional benefits of promotional insurance

By purchasing a Hyundai Solaris with CASCO insurance under this promotion, you are guaranteed to protect your car from the most common risks: accidents, theft, theft, fire and others. If an insured event occurs, the company, after assessment, pays compensation in due time, and if the car is completely destroyed as a result of another accident, the owner is paid the full cost.

When purchasing on credit, CASCO for Hyundai Solaris provides full compensation to the bank if the car is destroyed. The owner will not have to pay off the debt for a car that no longer exists, which is why it is important to take care of reliable insurance. A profitable promotion will allow you to get it for free when you buy a new car.