Insurance claims process for high value cars in 2025

The insurance claims process for high-value cars in 2025 requires special attention due to the high cost of repairs and the specifics of the premium segment. As of 10:17 on 4 July 2025, luxury car owners in Russia face unique insurance challenges. In this article, GetCar.ru and I will break down the stages of paying out on expensive car insurance and tips for insuring luxury cars.

Steps in receiving payments

Notification of the insurer

Notification is the first step. For example, report the accident within 5 working days. Also, include the details of the accident. In addition, retain all the documents. Thus, this is the basic element of the compensation procedure for premium auto.

Inspection and damage assessment

An inspection determines the damage. For example, an independent expert assesses the value of premium parts. Depreciation, if applicable, is also taken into account. Moreover, the process can take up to 10 days. Hence, it is a key factor in paying out on expensive car insurance.

Features for high value cars

Use of original spare parts

Original parts are a must. Porsche, for example, requires factory components. Also, they can take weeks to arrive. In addition, it adds to the cost. Thus, this is the advice on luxury car insurance.

High payment limits

Limits cover expensive repairs. For example, CASCO for premium cars often provides for up to 5 million roubles. Also, DSAGO adds protection. Moreover, it depends on the insurance programme. Hence, this is an aspect of the compensation procedure for premium autos.

Documentation and disputes

Evidence collection

Evidence speeds up the process. For example, photos of the accident scene and video are important. Also keep receipts for the towing. Moreover, it simplifies the negotiations. Thus, it is an element of paying out on expensive car insurance.

Dispute Resolution

Disputes require action. For example, if you disagree with the valuation, contact an independent expert. You can also file a complaint with the court. In addition, the review timeframe is up to 30 days. Hence, this is the advice on luxury car insurance.

Practical recommendations

Choosing an insurance company

The choice affects the payouts. For example, companies with a reputation, like Rosgosstrakh, offer the best terms. Also check the reviews. Moreover, clarify the coverage for premium auto. Thus, it is part of the compensation procedure for premium auto.

Regular renewal of the policy

Renewal provides protection. For example, review the policy annually. Also add new risks. In addition, it prevents misunderstandings. Hence, this is the payout aspect of expensive car insurance.

Conclusion: investment protection

The insurance claims process for high value cars in 2025 requires careful preparation and selection of a reliable insurer. Genuine parts and high limits are the key to success. With GetCar.co.uk you will get help with luxury car insurance advice. Notify your insurer on time and gather evidence for certainty!