In the period from 9 to 21 March for our readers had the opportunity to ask questions of Rosgosstrakh, RESO-Garantia, Raiffeisenbank, Absolut Bank, "INTOUCH Insurance", "Driving" and «Credit. ru ». Geographical coverage of the issues was extensive - Moscow, St. Petersburg, Samara, Yaroslavl, Kazan and other cities have actively participated in the conference. Our users were interested in a variety of problems: what is the president's credit, what are the pitfalls of early repayment of the loan, what documents are necessary to conclude a contract of insurance and registration policies and OSAGO hull, etc. The systematic analysis of the issues showed that the topic of auto loans are now more popular than auto insurance, and on this basis, we have identified the most popular topics - no down payment auto loans, auto loans for used cars, public lending. Present popularity ratings of the issues readers of Bank.ru with the answers of experts. Visitors interested in how the case of damage caused by the motor insurance do you pay? Payment of insurance compensation, depending on the conditions of the contract in three ways, explains Dmitry Pursanov, Head of car insurance company ROSGOSSTRAKH: - the direction to the service station (service station cars), which has a contractual relationship with the insurer - payment of the amount of damage on the essential elements of the insured (through cash, if any) on the basis of calculation - pay the cost of repairs to the service station, which has no contractual relationship with the insurer, in favor of the insured. Many questions were put to us, to the definition of value of the car for insurance: on what grounds it is determined by the insurer? As a rule, says Dmitry Pursanov, the insurer uses several options for determining the insurable value of the TC: - sales contract vehicle or a certificate account, - average market price of the TC in a similar configuration according to the publication of sales and demand (including Internet) - data from specialized reference values ??TC. Portal users worried about what to do with the contract of auto insurance when selling a vehicle: to terminate or to rewrite the person who will buy the car? Artem Panas, product manager for car insurance car insurance IJSC Office, commented on the issue this way: When the right of the insured property from the person for whose benefit the contract was made insurance to another person whose rights or obligations under this contract shall pass to the person to whom the property rights. The person to whom the rights to the property insured shall immediately give written notice to the insurer. Accordingly, after receiving the notice the insurer makes renewal contract for the new owner. Residents of Moscow and St. Petersburg concerned with the question whether it is possible to insure your car in another region where OSAGO cheaper? Maxim Hoffman, managing the product of voluntary car insurance car insurance IJSC Office reported that the territorial factor depends on the residence of the owner vehicle. Therefore, in another region of the policy cost is the same. One of the most pressing issues of our readers - whether to buy Hull, if you have insurance? OSAGO - is a mandatory insurance of civil liability, so this policy protects you from having to pay for car repairs or the cost of treatment in case of injury to other parties to an accident, if you're to blame for the accident. This also means that your own car, and your life and health are uninsured, so we recommend that in addition to the policy process OSAGO CASCO policy. If you think that buying a policy hull is very expensive, you can purchase a policy with a deductible, which will significantly reduce the cost, or take out insurance, for example, only on car theft - explains Mikhail Yefimov, director of insurance company "INTOUCH Insurance. How to split the sum insured in the compulsory motor TPL insurance - became one of the most popular questions. Mikhail Efimov replied: In regard to compensation of damage caused to life or health of each victim - not more than 160 thousand rubles. Of these, 135 thousand rubles - for persons who have, in accordance with the civil law right to compensation in case of death of the victim (survivor), not more than 25 thousand rubles - for reimbursement of burial persons who have suffered these costs. As part of the compensation for the harm caused to the property a number of victims - no more than 160 thousand rubles in part compensation for the harm caused to the property of a victim - not more than 120 thousand rubles. Members wanted to know what the pitfalls of early repayment of car loan? If you carefully read the terms of the loan agreement, says Alex Gurov, head of the development of car loans, Raiffeisenbank, as such caveats should not be. However, in his study, I would advise to pay attention to following points: - The Commission and the moratorium, with full or partial early repayment - the condition of partial early redemption (a choice of options: a partial reduction of the loan amount, without reducing the amount of payment, reducing the monthly payment without reduce the loan term, the use of both the first two options). A very important question that many readers - whether it is possible for a consumer loan to buy a car? Of course you can, but why? - Explains Alex Gurov. Interest rates on car loans are much more attractive, and the procedure for registration and submission of loan application easier. Among other advantages can be noted a rapid decision on car loans, more lenient requirements for the client and the list of available documents, compared to consumer credit, as well as cooperation with many dealers. Critical issues that we want to highlight in this review - what to do if the owner of the credit car involved in an accident? Alex Gurov says: Call the insurance company and bank. If the car is beyond repair, the insurance company to transfer funds to collect a debt for the loan and the remaining money you will take away yourself. If the damage is minor, the issue could be resolved without recourse to the bank. Detail the conditions of the insured event described in the Policy Terms of agreement hull. An interesting question about the president's car loans. What is it and how you can decipher this phrase - the opinion of our expert Svetlana Surina, deputy head of retail credit products in Absolut Bank. By this phrase refers to the state program of subsidizing interest rates to buy cars assembled in the territory of the Russian Federation. The list of cars you can see on the site Minpromtogra RF. The subsidy is given for purchase of cars of domestic and foreign brands that are manufactured in Russia. The cost of cars should not exceed 600 thousand rubles and total weight of the vehicle shall be not more than 3.5 tons. At present, the size of benefits (costs), which assumes the state is 2 / 3 of the refinancing rate (5,33%). The borrower must be at least 21 years, the average monthly salary in the last 6 months must be at least 25 thousand rubles. The initial contribution of 15% of the value of the vehicle, the term of the loan repayment should not exceed three years. Loan secured by the borrower's car. Our readers are interested in the question: what kind of discount on the loan given by the state at the time of their old vehicle for recycling? Upon delivery of the old vehicle for recycling, says Svetlana Surina, the state provides a certificate for 50 thousand rubles. These funds can be used as a down payment on the loan. Bank.ru plans to organize a conference to readers on an ongoing basis and to expand the circle of experts. Recall that every person, ask questions, receive an answer via email. In the near future conference on the mortgage. Questions have been can be sent to: pr@bank.ru.
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