OSAGO for 3 months: what is the cost of the policy, is it possible to get such insurance for a car, and what is the method for calculating the price? UrAvto.com

Is it possible to insure a car for 3 months?

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The standard option for issuing compulsory motor liability insurance is a period of 12 months, after which it is mandatory to renew the policy. However, when calculating the cost of an MTPL insurance policy, a factor such as seasonality or the duration of the insurance is taken into account. This means that the insurance period can be chosen, and the minimum period is 3 months. But in order to verify such information, it is necessary to familiarize yourself with the legal provisions, and if this action is permitted, then how it can be implemented in practice.

Cost calculation

The cost of an MTPL insurance policy is calculated based on the level of the base tariff rate, which is approved by the government of the country, and correction factors.
The base rate is calculated depending on the category of the vehicle. The following indicators are considered as correction factors:

vehicle engine power;
term of use;
duration of the relevant agreement;
driver's age and experience;
the number of persons who may be allowed to drive a vehicle;
area of use of the car;
the presence of past fines received as a result of traffic accidents;
the presence or absence of insurance payments from a specific organization.

The MTPL agreement does not provide for payment of the policy in installments, but the client can achieve significant savings. When concluding an appropriate agreement, you can pay for the policy only for 3 months, and then extend it for a similar period. After this, the client of the insurance organization will need to pay only 0.3 of the total cost for the remaining period.

What's new in traffic rules

Recently, other amendments for motorists came into force. Thus, according to the new edition of the Road Traffic Rules, restrictions on the entry of non-eco-friendly vehicles are being strengthened, for which new road signs are being introduced.

For example, the number “4” on sign 5.35 “Zone with limited environmental class of motor vehicles” means a ban on entry for Euro class cars with values from zero to three. However, restrictions do not apply to police, armed forces, fire and rescue services, and ambulances.

An information plate “Ecological class of the vehicle” will also appear, which will be installed in combination with other road signs.

Inspectors and traffic cameras will monitor compliance with signs. Car numbers will be checked against the Ministry of Internal Affairs database, which contains data on the environmental class of vehicles.

In addition, since July, the MTPL policy form has become unified for paper and electronic versions. The QR code will provide information about the vehicle, information about the owner of the car and the period of permitted operation under insurance.

How much does OSAGO cost for 6 months?

Parking signs for even and odd days of the month in Russia in 2018

In order to calculate the cost of insurance, it is necessary to use the following indicators:

Current tariff plans.
Increased or decreased indicators (coefficients).
Duration of insurance.

Tariff plans are determined by the Central Bank of the Russian Federation and change every year for both individuals and legal entities. For example, for the winter of 2021, tariffs for an individual for passenger cars will be a little more than four thousand rubles, and for a legal entity at the same time, a little more than two and a half thousand Russian rubles.

Kn - an indicator of violations that were noticed during the validity of previous insurances.
Kc – seasonality indicator. That is, at what time of year (or all year round) the vehicle will be used.
Km is an indicator that characterizes the engine power of a vehicle.
Ko is an indicator of either a limited OSAGO policy or an unlimited one.
Kvs is an indicator of the driver’s age and how long he has been using the car.
KBM is a bonus-malus indicator that can provide significant discounts to the policyholder.
Kt is an indicator of the territory, which depends on the region of location and use of the insured vehicle.
TB is the basic tariff (tariff plan), which is determined by the Central Bank of Russia.

Indicators can be in the following numerical ranges:

CT is determined in the range from 0.7 to 2.
KBM – from 0.4 to 2.40.
FAC – 1-2.
KO – 1-1.8.
KM – 0.5 – 1.5.
KS – 0.5 – 1.1.
KN – 1 – 1.6.

The cost of the insurance policy will also depend on the duration of use of insurance services. More precisely, it is precisely this that will determine the final price of a six-month insurance policy. From the calculation formula it is clear that prices are not at all stable, since the number of indicators in the formula is impressive and all of them can change over even a short period of time.

Most insurers believe that the cost of a six-month policy is equal to half the cost of an OSAGO policy for a year, which is a completely erroneous statement. As already mentioned, the payment will not be 50% of the annual policy, but 70%, but it can be paid in installments.

As you know, there is a basic tariff (price) for compulsory motor liability insurance. Various coefficients are applied to this tariff, which depend on the driving experience, age of the driver, and region of registration. To calculate the cost of compulsory motor liability insurance for six months, there is a reduction factor, which for compulsory motor liability insurance for 6 months is 0.7.

Owner registration region:

MoscowMoscow regionSt. PetersburgLeningrad regionKaluga - Obninsk - other cities Kal. Tula region - Aleksin, Efremov, Novomoskovsk - Uzlovaya, Shchekino - other cities of Tula. region Astrakhan - Astrakhan region Belgorod - Belgorod region Vladimir - Vladimir region Volgograd - Volzhsky - Kamyshin, Mikhailovka - other cities Vol. Voronezh region - Voronezh region Krasnoyarsk - Norilsk, Zheleznogorsk - Minusinsk, Kansk - Krasnoyarsk region Kursk - Kursk region Nizhny Novgorod - Nizhny Novgorod region Novosibirsk - Novosibirsk region Orel - Oryol region Penza - Penza region Perm - Perm region Ryazan - Ryazan region Samara - Togliatti - Samara region Saratov - Engels – Saratov region Smolensk – Smolensk regionKhanty-Mansiysk – Nefteyugansk, Nyagan – Nizhnevartovsk – Surgut – Khanty-Mansi Autonomous Okrug Yamal-Nenets Autonomous Okrug (Novy Urengoy) – Yamalo-Nenets Autonomous Okrug Yaroslavl – Yaroslavl region

It should be taken into account that when applying for a period of six months for using compulsory motor liability insurance, you can choose any one and even break it into parts, for example, three months in the spring and then another three months in the fall.

Considering that all other coefficients (both increasing and decreasing) are applied to the base rate, it turns out that in some insurance companies the insurance policy may cost more, and in others less.

When buying compulsory motor liability insurance for six months, the price for which in 2021 is 70% of the full policy, many ask questions about how much it will cost to extend compulsory motor liability insurance to 9 (nine) or 12 months.

If you want to extend your MTPL insurance policy for six months, then don’t worry, because... You will not overpay. You will simply pay the difference between a MTPL policy for six months and a policy for 9 (nine) or 12 (twelve) months.

The calculation of the MTPL policy for six months, the cost, price and discount can be found in the calculator on our website. To do this, click on the “Compulsory Motor Liability Insurance” button.

Paper and electronic versions

Increase in gasoline prices in 2021 in Russia, latest news

When applying for a civil liability policy, or OSAGO online, you can choose one of two options:

The traditional, paper version is printed on a special form for strict reporting. Despite the typographical protection, there have been cases of forgery and theft of forms. The consequences of using fraudulent insurance are equally unpleasant for both the culprit and the injured party.
The electronic version is protected from counterfeiting. All data on the car, the car owner and drivers are stored in the company’s database. A file is sent to the policyholder's email, which must be printed on a regular A4 sheet and presented at the request of the traffic police inspector when checking documents or in the event of an accident.

How much does it cost to renew OSAGO

money-trans.ruHow to change data in compulsory insurance online. How to make changes to your compulsory insurance policy

In order to calculate the cost of insurance, it is necessary to use the following indicators:

Current tariff plans.
Increased or decreased indicators (coefficients).
Duration of insurance.

Kn - an indicator of violations that were noticed during the validity of previous insurances.
Kc – seasonality indicator. That is, at what time of year (or all year round) the vehicle will be used.
Km is an indicator that characterizes the engine power of a vehicle.
Ko is an indicator of either a limited OSAGO policy or an unlimited one.
Kvs is an indicator of the driver’s age and how long he has been using the car.
KBM is a bonus-malus indicator that can provide significant discounts to the policyholder.
Kt is an indicator of the territory, which depends on the region of location and use of the insured vehicle.
TB is the basic tariff (tariff plan), which is determined by the Central Bank of Russia.

Indicators can be in the following numerical ranges:

CT is determined in the range from 0.7 to 2.
KBM – from 0.4 to 2.40.
FAC – 1-2.
KO – 1-1.8.
KM – 0.5 – 1.5.
KS – 0.5 – 1.1.
KN – 1 – 1.6.

Owner registration region:

MoscowMoscow region St. PetersburgLeningrad regionKaluga - Obninsk - other cities Kal. Tula region - Aleksin, Efremov, Novomoskovsk - Uzlovaya, Shchekino - other cities of Tula. region Astrakhan - Astrakhan region Belgorod - Belgorod region Vladimir - Vladimir region Volgograd - Volzhsky - Kamyshin, Mikhailovka - other cities Vol. Voronezh region - Voronezh region Krasnoyarsk - Norilsk, Zheleznogorsk - Minusinsk, Kansk - Krasnoyarsk region Kursk - Kursk region Nizhny Novgorod - Nizhny Novgorod region Novosibirsk - Novosibirsk region Orel - Oryol region Penza - Penza region Perm - Perm region Ryazan - Ryazan region Samara - Tolyatti - Samara region Saratov - Engels — Saratov region Smolensk — Smolensk regionKhanty-Mansiysk - Nefteyugansk, Nyagan - Nizhnevartovsk - Surgut - Khanty-Mansi Autonomous Okrug Yamal-Nenets Autonomous Okrug (Novy Urengoy) - Yamalo-Nenets Autonomous Okrug Yaroslavl - Yaroslavl region

When insuring a vehicle for six months, you can buy a policy cheaper if you choose the right insurance company. Despite the fact that the basic tariffs are set by the Central Bank, there is a gap in which the insurers themselves set their tariff.

The cost of compulsory motor liability insurance for a short period in different insurance companies

The cost of compulsory motor liability insurance is regulated by law. However, prices may vary from company to company. This is due to the fact that the insurance company has the right to use the basic tariff when making calculations - from 2,746 to 4,924 rubles. It is multiplied by coefficients (they are personal for each client and apply to all insurers). These factors add up to the final cost.

In reality, insurance companies try to offer the same conditions and do not increase prices relative to each other. When choosing an insurer, it is worth taking into account the history of the formation of the organization, experience of activity and interaction with clients. It is worth studying the payment scheme in the event of an insured event, additional options (an emergency inspector visiting the site).

One of the main advantages of large companies is the importance of reputation. Organizations do not try to save money when evaluating a car. At the initial stages, the scope of repair work and the cost of compensation are determined. Despite the fact that the MTPL regulations are the same for all insurers, the client: they repair the part, avoiding replacement, and do not take into account some breakdowns. When collaborating with large insurance companies, there is less risk of encountering poor service.

Article on the topic: Is an accident in a parking lot an insured event under compulsory motor liability insurance?

Recommended companies:

Ingosstrakh;
"Sogaz";
"VTB-Insurance";
MetLife;
Raiffeisen Life.

Is it possible to extend the policy?

Let’s say if you insured your car for three months with the aim of selling it later, but you were unable to do so. Then you can come to the insurance company where you signed the contract and renew the policy for a year, paying half the cost of the annual insurance for the remaining nine months. After all, you have already paid for three months as for six months.

If you paid for the policy for six months, then when you renew it you will need to pay accordingly, as for three months.

Payment in installments for compulsory motor liability insurance is not provided, but you can still break the entire amount into several parts to pay throughout the year. For example, take out insurance first for three months, then extend it for another three months and for six months. Then you get the following: first 0.5 of the annual cost of insurance, then 0.2 and 0.3 at the end.

Of course, this method will require a lot of time and filling out additional paperwork, but it is quite acceptable for those who have some financial difficulties and cannot pay for all the insurance for the year at once.

Yes, three-month insurance can be extended for a period of three to nine months or up to a year at once. But please note that in order to renew the policy, you will need to contact the insurance company before the expiration of the insurance period specified in your MTPL agreement.

Example Let's take the same VAZ 2105 car. If you entered into an MTPL agreement on September 2, 2012 for a period of 1 year and indicated that you will drive the car for exactly three months, that is, until December 1, 2012, then in order to extend the period of use of the car up to a year, you will need to contact the insurance company before December 1 and pay the second half of the amount. Otherwise, the insurance company has the right to refuse to extend the period of use of the vehicle.

The annual cost of the insurance in question is constant. Generally accepted rules determine that a compulsory insurance contract is always concluded for one year. This rule is indicated in the upper right corner of the policy.

However, if the vehicle needs to be sold in the near future, then it is insured for a minimum period. This change in the rules can significantly reduce the costs of the vehicle owner. If plans related to the sale do not materialize, then the opportunity is given to extend the insurance until the end of the policy year.

An example is the following information: if insurance was concluded on September 2, 2021 for 1 year, subject to the vehicle being used for 3 months (expiration date December 1, 2021), then you should apply for an insurance renewal before December 1. Otherwise, the insurance company may refuse to provide such a service.

You can extend your insurance for another 3 months and so on until 9.
Only the renewal must be carried out through the company’s office.
A mandatory condition is to extend the contract before the expiration of the previous policy. The date and month are specified in the MTPL agreement.
If it happens that the deadlines are missed, then a new contract is drawn up.
In this case, there will be an overpayment when compared with the price of an annual policy.

To renew, follow these steps:

you need to visit the branch of the company where the policy was purchased for three months;
the necessary documents are prepared, which initially include the current diagnostic card;
the contract period is extended.

Often, company employees offer to conclude a new agreement, but this is unprofitable for the car owner.

It has the same capabilities and nuances as a standard motor vehicle policy, but at the same time its cost is 50% less than a yearly policy. If necessary, you can extend its validity, but such a solution is considered unprofitable in financial terms.

If the vehicle is to be sold, it is insured for a minimum period. This step allows the car owner to significantly save money.

If for certain reasons the sale does not take place, the insurance can be extended until the end of the policy year. For the remaining 9 months you will need to pay half the annual cost of compulsory motor insurance (the same as for the first 3 months). Thus, having paid 0.7 annual compulsory motor insurance for the first 6 months, for the next you will pay 0.3 annual insurance.

How can you save on an insurance policy?

According to the regulations, insurance companies cannot provide payment for compulsory motor liability insurance in installments. For some drivers, insurance may be too expensive. In this case, you should use a little trick:

No one forbids taking out insurance for a minimum period (for 3 months a standard coefficient of 0.5 is used).
Further, after the expiration of the term, it is allowed to extend the policy for another 3 months (0.2 coefficient).
After that, the contract is extended for another six months (you will have to pay 0.3 of the annual cost).

The result is a kind of installment plan that can be beneficial for certain financial difficulties. The only thing the client needs to remember is that the policy must be renewed in advance (otherwise the insurance company will ask for amounts for drawing up a new contract and it will not be possible to reduce the price).

Another way to save money is to accept an agreement with restrictions. This may be a limit on regular use, mileage, or seasonality. All conditions are negotiated with the manager of the insurance company.

Related article: What is KVS in OSAGO and how to find it out

Calculation of tariffs by insurance period

Do not confuse the period of use of the car with the period for which the contract was concluded. As a general rule, a compulsory insurance contract is concluded for a period of one year, with the exception of compulsory motor liability insurance for cars registered in foreign countries and temporarily used in Russia, as well as transit insurance used to travel to the place of registration of the vehicle.

An MTPL policy is a guaranteed paid liability of a vehicle driver to other road users. The guarantee is that if the insured person participates in any road accident, his liability to the victims will be compensated not by him personally, but by the funds of the insurance company that has assumed such an obligation according to the contract.

Legislatively, insurance standards are enshrined in the Civil Code of the Russian Federation and Law 4015-1. The rules for the provision of MTPL insurance services are established by Law No. 40-FZ, as last amended on May 23, 2016.

Minimum

The minimum period for which it is allowed to issue a civil liability insurance policy is fixed at three months. The procedure for concluding an agreement is not particularly different from the standard one, except for indicating the term and tariff.

When contacting an insurance company to purchase a policy for three months, the applicant will be asked for the following package of documents:

personal identification document;
special digital code received from the State Tax Inspectorate;
driving license of the driver and all other drivers if they will drive this vehicle;
title document for the vehicle;
application in the prescribed form for insurance.

For half a year

The option of car insurance for six months is used mainly by large enterprises that use special equipment. These vehicles are not always used in everyday life all year round, therefore the state at the legislative level allows issuing policies for such devices as needed.

The package of documents for legal entities is slightly different from the physical one and is supplemented with the following documents:

a notarized power of attorney allowing you to represent the interests of the organization;
document on state registration of the company;
car diagnostic card;
Have a wet seal with you to certify documents.

Of course, individuals are also allowed to take out a policy for six months, but the cost of insurance significantly hits the owner’s pocket.

For a year

By concluding an insurance contract for the whole year, you don’t have to monitor the terms, as in other types of policies.

To understand what the savings will be if you take out MTPL for a minimum period, you can independently calculate the amount of insurance.

Now let's talk in more detail about each coefficient:

Kt – coefficient of territorial affiliation of the vehicle. Its value is determined depending on the place of residence of the car owner.
Kbm – bonus-malus coefficient. Accrued depending on the period of accident-free driving.
Kvs – coefficient of the policyholder’s age category.

Ko – the number of people included in the policy;
Km – coefficient depending on vehicle power

As is clear, the higher the vehicle’s power rating, the more expensive the MTPL insurance policy will cost, be it for one month or for a longer period.

In addition, one more point is worth noting. There is a plate containing data on the fractional cost of the insurance contract.

From these data it is clear that when purchasing compulsory motor insurance for a minimum period of 3 months, the motorist must pay exactly half of the finished cost of insurance. A 6-month auto license will cost 2/3 of the base price of an annual contract.

Read on, is it possible to take out a compulsory motor liability insurance policy and then change the insurance period?

A more detailed period of use of the insurance policy is indicated in the lines below in the form. Therefore, the form itself takes into account both the general insurance period provided for by Law No. 40-FZ “On Compulsory Motor Liability Liability Liability Insurance” and clarification of the terms of use of the motor vehicle license - for a different number of months.

When breaking down the policy, its periods of use, by month of the year, each driver must understand that during other periods of time the car insurance contract will be considered invalid.

As is clear, companies insure for any period. And which design option is the most profitable, everyone decides for himself, because everything depends solely on the specific case.

What is the minimum period of MTPL insurance in 2021?

First, it’s worth separating the terminology:

validity period - indicated in the column on the top right, always equal to 1 year (this is the period during which the contract is considered valid);
period of use - is indicated in another line and regulates the period during which the driver can use the policy (liability is insured).

The period of use may differ less from the insurance period.

For individuals

To calculate the insurance period under compulsory motor liability insurance, you need to determine the category of the car - for each type of vehicle its own rules are introduced. There are 3 types:

cars registered in the territory of another state and driving within the borders of the Russian Federation;
cars that move through Russia in transit;
Vehicles that are permanently registered in the Russian Federation.

According to the law, the minimum period of use under compulsory motor liability insurance is 3 months. Reducing the terms allows the owner to save on insurance if he does not need a long-term policy. To calculate the cost of compulsory motor liability insurance, coefficients are used (the terms affect the price).

Owners of a car registered outside the Russian Federation (if it is temporarily located in the country - no more than 14 days) can purchase a policy for a period of 5 to 15 days. Cars transported to a place of permanent use or vehicles traveling to a technical inspection point can issue a transit MTPL for a period of up to 20 days.

If the owner continues to use the car after this period without taking out permanent insurance, he will be subject to a fine.

Important! The contract duration is always 1 year. After the minimum period of use of 3 months, the policyholder has the right to extend the MTPL for another 9 months (until the end of the year during which the contract is valid) - for this you will have to pay extra.

For legal entities

It is not profitable for insurance companies to provide compulsory motor liability insurance for legal entities for a short period. However, the minimum wage can be adjusted according to the needs of the company.

For example, if a company needs to move a car from one place to another for subsequent registration, then the insurance company has the right to provide compulsory motor liability insurance for transit for up to 20 days - they cannot refuse the request.

Related article: What does “the vehicle is insured against damage” mean in the European protocol?

The same applies to other insurance periods (for a period of 3, 6 or 10 months). Insurance companies try not to promote such services, since it is not profitable for them to provide compulsory motor liability insurance for a period of less than 1 year. The company can justify the request by seasonal use, so the insurance company will not be able to refuse.

Registration of a policy

It is important to distinguish between two criteria when obtaining an MTPL policy:

insurance period;
service life of the vehicle.

These two factors may not coincide in timing. For example, you bought insurance for six months, and the period of use of the vehicle will be 7 months. Then, after the expiration of the insurance policy, you will need to renew it additionally, since it will no longer be valid.

According to the legislation of the Russian Federation, the standard period for concluding an agreement between an insurance company and a citizen is a year. Usually in the upper right corner they indicate the start date of its validity, from which the actual year begins.

It should not be confused with the calendar calendar, which begins on January 1. This does not prohibit citizens from purchasing a policy for a shorter period.

It can be obtained for a shorter period, but in very specific cases:

when driving a vehicle to the place of registration (for example, the car owner bought it in one subject of the Russian Federation, but will use it in another);
if the vehicle is traveling to another inspection location.

In these cases, the driver is issued temporary transit insurance for 20 days. This is not prohibited by law, according to Federal Law No. 40, Article 10, Clause 3. Its calculation is determined by various factors: engine power, car brand, etc.

For a period of 5-15 days, you can get insurance for cars that are registered in another country, but are temporarily located in Russia. The policy registration process undergoes minor changes.

OSAGO insurance for a month is possible only if you need to use the vehicle for a period of 4 or 7 months. Then insurance is issued for 3 months or six months and additional insurance for the remaining period. This is the only way to get car insurance for a month.

Is it possible to apply for compulsory motor liability insurance for six months? This is not prohibited by law, since the shortest insurance period is 3 months, and for legal entities this is exactly this period.

Insurance for 3 and 6 months has other features:

they cost more than a simple annual one (insurance for 3 months will cost 50% more than a year; for 6 months - 70% more, and a policy for 10-11 months will cost the same as for 12);
The cost of insurance for a year does not change during the year, whereas if a driver purchases temporary insurance and then decides to renew it, he may have to pay an additional amount. Therefore, just in case, it is recommended to immediately find out the price of the policy for a year;
if the driver operates the car from time to time, then he can immediately write down the year with the insurance company (three months in summer, one in winter, etc.), since the total number of months in a year is calculated.

The most common cases of using insurance for 3 or 6 months:

when operating the vehicle only in the summer (for example, for trips to the country);
when selling a car, when it takes time to find a buyer and prepare documents;
for drivers going on temporary business trips.

In order to obtain insurance, you must contact the insurance company with the following list of required documents:

A statement indicating some of your own data.
Passport of a citizen of the Russian Federation for whom insurance will be issued.
Documentation for the vehicle whose operation there is a desire to protect.
A document confirming the ownership of the vehicle by the applicant.
Driver's licenses of those persons who will use the vehicle in the future.

The short term of the policy does not mean that it will be quite cheap. Often, the longer the policy period, the less significant the amount of financial resources you need to pay for it.

How much does car insurance cost?

Cost of OSAGO

The presence of compulsory motor liability insurance is mandatory under the legislation of the Russian Federation. Therefore, the price for it is the same for all insurance companies. The cost of compulsory motor insurance depends on the following factors:

type of vehicle;
region;
the physical age of the policyholder and driving experience;
motor power;
number of accidents.

For young drivers, the cost of compulsory motor liability insurance will be higher due to age and experience, for experienced drivers - due to accidents, if any. The cost of compulsory motor insurance varies from 12,000 to 23,000 rubles.

OSAGO payment

To receive payment, the victim must contact the insurance company of the person who caused the accident. It is worth considering that if you are at fault in an accident, the payment price will be taken into account in accordance with the wear and tear of the car (its age and mileage).

The threshold for payment of compulsory motor liability insurance is 400,000 rubles. If the cost of damage turns out to be higher, then you have the right to recover the difference through the court and the culprit of the accident.

CASCO cost

Unlike MTPL, CASCO independently sets the price for the policy. On average, it is 4-12% of the market value of the car. You may be refused if you do not meet the company's requirements at the time of concluding the contract. Let's say the age of the car has been exceeded. The contract also specifies the amount of compensation or repairs. CASCO cost formation indicators include:

age and length of service of the driver (the younger, the more expensive);
vehicle storage conditions;
Family status;
alarm installation;
number of accidents;
car age;

The latter is worth focusing on. The older the car, the higher the CASCO price will be. The risk of breakdown is greater for a used car, and repairs are no cheaper than repairs for new cars.

Advantages and disadvantages of CASCO

Pros:

peace of mind for the car for a year in advance;
receipt of funds or repairs in the event of an accident or unforeseen situation, regardless of the circumstances.

Minuses:

High price. 4-12% of the car's market price can cost a pretty penny.
Prices not regulated by law.
Reluctance of insurance companies to issue used cars.
Delaying payments.
Recording each case with the traffic police to obtain a certificate.

CASCO saves your nerves, but spends money on it. Big or not - it's up to you.

How much will it cost

If you take out insurance for six months, the procedure for calculating the cost of the MTPL policy remains unchanged, but you need to take into account that the final price is less profitable than if you entered into an agreement for a whole year (what is the price of an annual policy?).

You can find more complete information about the conditions and cost of obtaining temporary insurance here, and in this article we talked about the features and prices of a policy with an insurance coverage period of 3 months.

The price for a car license agreement depends on a number of factors (region, driver experience, etc.) and may change over time. Each type of car has its own basic tariff.

The cost of the insurance premium is calculated based on:

Base rate.
Odds that can either lower or increase the base rate.
Period of insurance coverage of the policy.

Basic tariffs for auto insurance policies are set by the Central Bank and cannot be higher or lower than the maximum permissible values. You can read more about the factors influencing the cost of compulsory motor insurance and the differences in prices in different insurance companies in this article.

Calculation procedure

Your base rate depends on the following criteria:

Type of your vehicle.
From the person who owns the vehicle (individual or legal entity).

Today the basic tariff for passenger cars is:

For individuals 1980 rub.
For legal entities persons 2375 rub.
For cars used as taxis RUB 2,965. You can read more about MTPL for taxi drivers here.

Coefficients for calculating the amount of insurance premium:

The territoriality coefficient depends on the region in which the vehicle will be used and varies from 0.7 to 2. For small cities where the risk of accidents is lower, this value will be 0.7; for larger cities, this coefficient will be higher, but not more than 2.
The accident rate, or bonus malus as it is also called, depends on the number of accidents in which the driver of the vehicle was involved in the previous period and ranges from 0.5 to 2.45.
When drawing up a motor vehicle license agreement, the Insurance Company assigns vehicle drivers a class from 1 to 13. If you have no driving experience or it is minimal, then you will be issued a third class with a coefficient of 1. If you have a long driving experience, then you can get the highest class for accident-free driving with a coefficient of 0.5.
If during the previous insurance period the driver was involved in 4 accidents in which he was the culprit, then he will be assigned the lowest class with the highest coefficient of 2.45.
The driving experience and age of the driver also affect the final cost of the insurance premium.
The maximum coefficient of 1.8 will be received by drivers whose driving experience is less than 3 years and whose age is less than 22 years. If the driver’s driving experience is more than 3 years, then he is assigned a coefficient of 1. You can find out more about the coefficients and cost of compulsory motor insurance for beginners in this material. If this vehicle is driven by several drivers, then this coefficient is assigned to the driver who has the shortest experience and age.
In case of violations, a coefficient of 1.5 is assigned. This coefficient will be applied only to drivers who have violations such as: driving a vehicle while intoxicated, gross traffic violations, etc.
If you take out a policy with a limited number of drivers, then you will be assigned a coefficient of 1, and for an unlimited number of drivers there is a maximum coefficient of 1.8. You can find all the information about compulsory motor liability insurance without restrictions on the number of drivers in this article.
Also, the final cost of the insurance premium depends on the power of your vehicle - the coefficient in this case varies from 0.6 to 1.6. The smallest coefficient will be received by cars with a power of less than 50 hp. and the maximum coefficient is provided for vehicles whose power exceeds 150 hp.
Also, the price of the policy depends on the age of your vehicle. The smallest coefficient of 0.5 is provided for cars less than 10 months old, the maximum coefficient in this case is 1.
The final amount of the car insurance premium is determined by the period of insurance coverage. The shorter this period, the lower the final amount of the insurance premium. The price of insurance issued for 6 months will be equal to 70% of the annual cost of the OSAGO contract and when calculating the final premium amount, a coefficient of 0.7 will be applied.

IMPORTANT! Since an auto liability insurance contract is always issued for 1 year, the cost of extending a contract concluded for six months should not be higher than 30% of the cost of this contract for a year

How to buy MTPL for three months online through the broker YOUR CASCO

From the beginning of 2021, insurance will mainly be issued online and issued to clients in the form of an electronic compulsory motor liability insurance policy, which each driver will still need to print out.

If you buy a car on credit, then financial institutions will definitely require you to take out insurance. But it is worth remembering that the cost of insurance for a new car will be much cheaper than the cost of registration for a NOT new car.

Therefore, before purchasing, we recommend that you look at promotions and offers that will allow you to save significantly when buying a car.