Car insurance for pensioners
Electronic OSAGO insurance
E-policy will completely replace the physical copy from a legal point of view
Insurance OSAGO - mandatory type of car insurance, which provides compensation to the third person who suffered in an accident.
The insurance company is covering the damage bills, caused by the policyholder.
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How to apply for an insurance policy online?
By online form
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*— Using the payment system or using KIRINS details
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Getting car insurance for pensioners has many nuances. Before taking out insurance, you need to clearly understand who is eligible to take out such insurance and what the consequences are.
Terms of insurance for a pensioner
First of all, it is important to understand who exactly can take out car insurance for a pensioner and what conditions must be met:
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The owner of the car is a pensioner
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Only the owner drives the car
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The car has an engine capacity of up to 2500 cm3
Who can drive on insurance for a pensioner?
Please note that only the pensioner can drive a car with preferential insurance for a pensioner. No other person can drive, even if they have the same benefits.
In order to save money, many people are looking for ways to reduce the cost of car insurance and do not read all the terms and conditions before signing up, and then in the event of an insured event they get huge problems that cannot be solved.
Consequences of violating the conditions for driving a car with privileges
If the above conditions are violated and an accident occurs with a person driving a car who is not the owner and does not have benefits, the insurance company will cover the victim's losses. But there is a big nuance, namely that the insurance company will recover the entire amount paid to the victim from the owner of the insurance policy by recourse. This means that after a successful payment, the offender will receive a letter from the insurance company demanding that the entire amount of damage be paid to the insurance company itself. If the person does not pay this amount on their own, the case will be resolved in court.
When applying for a car insurance for a pensioner, clearly understand in which case you can take out this insurance and how you should operate the car. You can take out car insurance for a pensioner on our website in the OSAGO calculator.