Cost of MTPL for a tractor: how and where to apply for a policy online via the Internet in 2021

Quick links

1. Features of tractor insurance
2. Cost of MTPL for a tractor
3. Documents for insurance for a tractor
4. Insurance for a tractor at Autoplus
5. Will sanctions be applied for lack of insurance on a tractor?
6. Is it possible to avoid punishment for not having a compulsory insurance policy for a tractor?
7. Insurance payments provided for by the MTPL policy for a tractor
8. How to apply for an insurance policy for a tractor online

Registration of an MTPL policy for special equipment is a big problem for both individuals and legal entities. One of the problematic types of special equipment is the tractor. Read the article on how to apply for insurance for a tractor.

Registration of compulsory motor liability insurance for a tractor

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According to 40 Federal Law “On Compulsory Motor Liability Insurance”, every driver of any vehicle capable of reaching a speed of over 20 km/h is required to have a valid compulsory motor insurance policy that insures the driver’s liability to third parties.

In this article we will look at this type of insurance, such as MTPL for a tractor, how it is issued, what difficulties can await you, and how they can be avoided.

Features of tractor insurance

The tractor belongs to the category of special equipment, which differs in that drivers need a special category of driver’s license to operate it.

In addition to the category of rights, drivers are also issued a special certificate that also allows them to operate a tractor. Such a certificate is also called a tractor driver’s license.

In general, the obligations of persons who drive a type of transport such as a tractor are the same as those of drivers operating passenger cars. Thus, when wondering whether it is necessary to have an insurance policy for a tractor, you can immediately say that yes, this condition is necessary if you plan to use the tractor on the territory of the Russian Federation.

This condition is explained simply. The fact is that a tractor is exactly the same vehicle, which poses an increased danger, and the actions of the driver sitting behind its wheel can lead to damage to the property of third parties or cause damage to themselves.

Moreover, we can often find tractors on public roads, which means that they can potentially also become participants in road accidents. In addition, most special equipment goes on public roads from time to time, therefore, its driver can become the culprit of an accident.

To summarize why it is necessary to take out an insurance policy for a tractor, we have clearly listed the main reasons:

• The tractor moves on state roads;
• The tractor driver may cause harm to another.

Cost of MTPL for a tractor

If we talk about the cost of compulsory motor insurance for a tractor, then it is worth paying attention to the fact that the cost is calculated according to coefficients that have an individual meaning for each driver. The cost is affected by:

• insurance period;
• age and length of service of all those admitted to management;
• discount for accident-free driving.

You can calculate the cost of insurance for a tractor using the online calculator on our website. To do this you will need to enter the following data:

• brand;
• mileage;
• year of issue;
• minimum driver experience;
• approximate cost of transport;

Calculation of the cost of an MTPL policy

The cost of an MTPL policy is determined as the product of the base rate and a set of coefficients that characterize parameters that are important for the insurance company. These include:

• motor power;
• number of persons allowed to drive transport;
• age and driving experience of the driver;
• whether the vehicle is used with a trailer;
• the number of months per year when the transport is in use;
• the period for which the policy is purchased;
• presence of violations of MTPL rules by this vehicle;
• having an insurance record of accident-free driving. This is the only coefficient that reduces the cost of the policy. All other coefficients either increase it or leave it unchanged.

Nowadays, it is not necessary to make calculations “in a column” - there are many different compulsory motor insurance calculators on the Internet, into which you just need to enter the necessary data, and they will make the calculation.

We recommend that you take advantage of this because the Russian Union of Auto Insurers is a government body created specifically to control activities in the field of civil liability insurance for motorists.

Documents for insurance for a tractor

In order to issue an insurance policy for a tractor, you will need to provide the following package of documents to the insurance company:

• Identity document (passport);
• PTS;
• certificate of registration of equipment in Gostekhnadzor;
• copies of driver's licenses of all persons allowed to drive.

If you are a legal entity, a representative of your organization will need to provide a certificate of registration of the vehicle with the tax service.

Also, in order to issue an MTPL policy for a tractor, it will be necessary to have a valid diagnostic card indicating that the technical inspection has been completed, namely the technical serviceability of the tractor.

OSAGO for tractors and special equipment

Thus, we can conclude that insurance of tractors in Russia, Belarus, Ukraine and some other CIS countries is mandatory.
The owner must insure special equipment under MTPL, and, if desired, under CASCO. The list of documents that must be provided to the insurance company when concluding an insurance contract in these countries is approximately the same.

The fundamental principles of compulsory motor liability insurance are its obligatory nature for all drivers and the inadmissibility of operating vehicles without going through this procedure. In Law No. 40 Federal Law “On Compulsory Motor Liability Insurance” as amended on April 25, 2002. contains information that owners of tractors, ATVs, and construction vehicles must also be insured.

There is no need to insure the following vehicles:

• moving at a speed of less than 20 km/h;
• not subject to the rules on admission to participation in road traffic (not subject to registration);
• belonging to military departments;
• registered abroad and insured in the international insurance system;
• moving without wheels (tracked, sled and other types of equipment).

Separate insurance is also not required for trailers, both for passenger cars and for special equipment.

You can insure any self-propelled special transport:

• agricultural machinery;
• construction machines;
• road and municipal equipment;
• logging combines;
• ATV, snowmobile and other vehicles for sports and recreation.

The maximum speed does not exceed 20 km/h. The technical features of the vehicle are prohibited by law from being used on the road.

Transport is used by the Armed Forces of the Russian Federation (except for buses, trailers, passenger cars and other types of transport used for economic purposes).

Registration of transport in another state (availability of foreign insurance).

Then you can select this, I have already passed the result 0. Income is understood as sales revenue, is insurance needed for a tractor? This literature expresses an opinion.

As well as Ingosstrakh companies. About granting the right to be his representative in this case and to go deal with all the authorities himself. But they have a relaxation: 1. Payment is made by the customer after receiving the service in full.

As well as Ingosstrakh companies. The frequency of technical inspection depends on the number of seats in the self-propelled vehicle 5.

OSAGO insurance allows you to insure the life, health and vehicles of road users in the event of an accident.

A distinctive feature of such insurance is the payment of compensation unilaterally - only to the victim.

The insurance company pays for the person who caused the accident.

The specifics of compulsory insurance are regulated by Federal Law No. 40-FZ “On Compulsory Motor Liability Insurance”. Tractors are vehicles that are actively used in construction and agriculture.

Answer: This insurance applies to almost all types of agricultural and forestry equipment - tractors, their trailers and combines; plows, seeders, sprayers, harvesters, forwarders and other similar equipment, the age of which does not exceed 10 years.

Answer: Equipment that is 10 years or more old can be insured, but for such equipment, when damage occurs (calculation of compensation), its wear and tear is taken into account.

Calculates the cost of MTPL insurance for tractors and special equipment according to new tariffs that came into effect on 04/12/2015.

OSAGO for tractors, self-propelled road construction and other machines

Insurance payments for previous years, separated by commas. For example, the line 0,0,0,2,1 means that for five years of insurance there were three payments - one payment for the last year and two payments for the year before.

Period of use of the vehicle

The compulsory insurance contract does not provide for a limitation on the number of persons allowed to drive a vehicle

Age and length of service of the driver indicated in the insurance policy

Territory of primary use: for legal entities - place of registration of the vehicle; for individuals - place of residence of the owner of the vehicle

For vehicle owners traveling to the place of registration, the insurance period is up to 20 days inclusive, and a coefficient of 0.2 is applied

planetcalc.ru

Each special equipment has a passport. The tractor is no exception. The document must indicate the speed limit. If it is more than 20 km/h, the equipment is subject to compulsory insurance. This is determined by the Federal Law “On Compulsory Motor Liability Insurance” No. 40-FZ.

If the speed of your tractor is less, insurance is at your discretion. But it is important to remember that using machinery on a farm without official registration and documents is illegal in our country. Have you bought a tractor? It is worth registering it within 10 days so as not to be afraid of the law.

If you plan to rent out the tractor to private or government services, an insurance policy is required. Without it, equipment simply cannot move along the city streets. Well, if the law is violated, the tractor is rented without insurance, there is a risk of losing expensive equipment altogether.

As you may have noticed, there are significantly more advantages to insuring your tractor than disadvantages. This way you will protect yourself from all kinds of risks and save your finances from unforeseen expenses. Competent insurance company consultants and lawyers are always ready to provide you with free assistance and tell you more about their rates, conditions and promotions. Our advice is to approach the issue with special care and apply for compulsory motor liability insurance online only from trusted companies.

Insurance for a tractor at Autoplus

When you are faced with such a task as applying for an insurance policy for a tractor, this can often become a whole problem for you. Many insurance companies may force you to purchase additional services in addition to compulsory motor insurance. And if you refuse, they may simply refuse insurance.

This situation occurs because for insurance companies the tractor, like all other special equipment, is not a segment, which makes it unprofitable. Therefore, many insurance companies also resort to various kinds of tricks, sending tractor drivers for additional inspections in the distant Moscow region, which forces them to look for another company, etc.

According to the law, as we mentioned above, driving a tractor without a valid insurance policy is prohibited. And many companies, in turn, refuse to provide this service, citing the following arguments:

• lack of insurance forms;
• an inspection in the office is required, by appointment (usually there is a free place no earlier than in a month);
• The database for checking discounts or technical inspection does not work.

By contacting, you will forget about such problems once and for all. Our specialists will issue you an insurance policy for your tractor within one hour, regardless of any problems.

We cooperate with leading insurance companies and will be able to find you the best offer on the market.

If you are a legal entity, we will be able to provide all the necessary documents confirming the transaction. And if you insure a certain number of vehicles, we will also give you a nice discount.

At Autoplus you can issue both paper and electronic insurance policies for your tractor, which is convenient for everyone. For example, if you urgently need to insure a vehicle, it would be better to issue a paper policy, since it will take effect from 00:00 the next day, unlike an electronic one, which will be entered into a single database for up to 4 days.

We also draw your attention to the fact that the service of delivery of insurance policies for both tractors and other vehicles is available. If you are in another city, we will send you the policy via a convenient delivery service, and if you simply cannot come, but are in Moscow, we will send your insurance policy for the tractor by courier at any time convenient for you.

To insure or not

When answering the question “Do you need insurance for a tractor?”, you should refer to the norms of the current legislation in the field of insurance. Based on the Federal Law “On Compulsory Motor Liability Insurance”, it is necessary to issue a policy for each vehicle whose speed exceeds 20 km/h. This means that a tractor that, due to its technical characteristics, cannot reach a speed higher than this indicator and is not a participant in traffic is not subject to compulsory insurance.

Therefore, if the owner of a tractor is thinking about when to put a self-propelled machine on OSAGO, then this must be done before operation. Also, if the owner of such a vehicle wishes to lease it to another person, then before starting this procedure, a policy should be issued.

Will sanctions be applied for lack of insurance on a tractor?

If you drive a tractor that does not have a valid MTPL policy or a document confirming its availability, the Code of Administrative Offenses provides for a unified fine system. So, for the lack of an insurance policy for a tractor in 2021, you will be fined 800 rubles.

The traffic police officer who discovered this offense may not issue the driver a fine on the spot. There are cases when traffic police officers limit themselves to a verbal warning. In this case, the choice of sanction depends entirely on the will of the traffic police inspector.

If the MTPL policy for a tractor is expired, then the law equates it to a missing MTPL policy at all, and accordingly provides for an administrative penalty in the form of a fine of 800 rubles.

The absence of a MTPL insurance policy for a tractor will not be a reason for correctional work or arrest, even in the situation if a traffic accident suddenly occurs. A fine can only be imposed by a judge after the initiation of an administrative case by the traffic police.

Disadvantages of an online policy

According to the current legislation in the field of compulsory transport insurance, all companies that are licensed to sell compulsory car insurance policies are required to sell policies to everyone for any equipment that falls under the law.

The refusal to provide insurance is unlawful; it can be appealed through the RSA and the Central Bank of Russia.

According to the current legislation of the Russian Federation, in particular Federal Law No. 40, insurance for a tractor is a mandatory condition for the operation of special equipment, especially if the vehicle travels on highways. Drivers need to remember that in addition to their own safety, citizens are also responsible for the environment, other cars, and the life and health of road users.

For the absence of compulsory motor insurance, the owner of the car, as well as its drivers allowed to drive the vehicle, are held administratively liable. According to Article No. 12, the fine is 800 rubles. In case of repeated violation, more severe penalties are applied to drivers: doubling the fine, deprivation of a driver's license for up to 6 months, and towing of the tractor to a fine parking lot. A traffic inspector who stops a violator has the right not to issue a fine on the spot, but to send a collection receipt by mail.

If the insurance policy is expired, the law equates such a document to a missing document. In this case, the driver is also required to pay a fine of 800 rubles. A traffic police officer has the right to suspend the validity of a driver's license for a period until the citizen renews his insurance.

You do not need to carry electronic compulsory motor insurance purchased on the Internet with you. The traffic police inspector is provided with the policy identification data, after which information about the validity of the insurance is checked against the unified RSA database.

The price of insurance is determined on the basis of base rates and coefficients approved annually by the Bank of Russia (Article 9 of Law No. 40FZ). The following parameters are taken into account when calculating:

• technical characteristics of the car and the region of its registration;
• the number of drivers using this vehicle;
• driving experience of the policyholder;
• seasonality of equipment use (relevant for agricultural machines, which may not be insured for the whole year).

The bonus-malus ratio has a serious impact on the cost of insurance. Depending on the value, it can act as a discount to the driver for accident-free driving (up to 50%), or a premium for previously occurring insured events. You can find out your KBM using the service on the website of the Union of Motor Insurers.

You can calculate the cost of compulsory motor insurance yourself by using an online calculator. They are present on the websites of all major insurers. As an example, we calculated the cost of compulsory motor liability insurance for a young (less than 22 years old) tractor owner with minimal driving experience who is taking out insurance for the first time (discounts are not implied). The result was 2842 rubles. If you had more solid experience and a good insurance history, this amount would be several times less.

The process of applying for a policy online also has its disadvantages:

1. The risk of paying money to a fraudulent site that disguises itself as a well-known insurance company.
2. The risk of losing money due to an error when filling out an application. Such a policy will be considered invalid, and the insurer will not return the funds spent, citing the provision of false data.
3. Loss of additional time when checking documents by traffic police officers, since they will have to look for information about your policy in the database.

The issue with scammers is especially acute. When receiving an electronic policy, be sure to test its authenticity on the RSA website. To do this, you need to enter the series and document number in the form that opens.

To determine your upcoming expenses in advance, calculate the cost of compulsory motor liability insurance using an online calculator. You will find several of these on the Internet upon request, choose the most convenient one. For the calculation, you will need car data, driver information and other insurance parameters.

All policy rates are approved by Article 8 of Federal Law No. 40 dated April 25, 2002. The cost is based on the permissible limits of the base rate and additional odds. All these indicators are set by the Bank of Russia.

According to the 2021 calculator, the cost of the policy for an individual over 22 years old, whose driving experience is more than 2 years, and whose tractor goes to the place of registration and has not previously been insured, is 315.8 rubles. If, under the same conditions, the driver’s experience is less than 3 years, then the cost will increase to 536.86 rubles.

Is it possible to avoid punishment for not having a compulsory insurance policy for a tractor?

There are situations when the driver did not have the opportunity to take the insurance policy with him for the tractor, for example, he simply forgot them. In such a situation, it is necessary to report this misunderstanding to the traffic police inspector, who in turn will do the following.

The traffic police inspector will check the presence of a valid MTPL policy in a unified interdepartmental database, but after that, if you do not have an electronic policy, you may also be issued a fine of 500 rubles. However, in 2021, you do not have to fear such a situation, because all data will definitely be in electronic form.

Road service employees should not stop vehicles to check for a valid MTPL policy.

If you made a stop at the request of a traffic police inspector, who, in turn, did not give a reason for the stop, then you have every right not to provide documents other than a driver’s license.

If you have violated any traffic rules, then the traffic police inspector can check all the documents.

Insure a tractor under OSAGO online

Issuing an electronic policy has a number of advantages:

• saving time on visiting the insurance company, standing in queues and preparing a package of documents;
• increasing the availability of compulsory motor liability insurance for residents of remote regions who now have the opportunity to purchase a policy from any Russian insurer;
• registration of only necessary services without imposing additional ones, which is often the case with insurance company employees;
• impossibility of losing the policy.

As for economic benefits, here electronic compulsory motor liability insurance does not have any advantages. The price is calculated in the same manner as for the paper version.

1. The policy is issued quickly and at any time convenient for you. To do this, you only need a computer, internet and 30 free minutes.
2. An electronic policy has the same rights as a paper one. But if necessary, you can always print it out and take it with you.
3. The policy is certified by an electronic signature; you do not have to go through various authorities to put a stamp on it.
4. The procedure is simple and transparent. No queues or unfriendly insurance company employees.
5. Tariffs for the electronic version of the policy do not differ from the paper version.
6. The client is not in danger of hidden additional insurance products.
7. The policy is immediately registered in a single database and is open to anyone to view.

1. If the tractor is more than 3 years old, you will need to undergo a technical inspection to create a diagnostic card.
2. Making a mistake when entering data means adding extra hassle to yourself. You should pay special attention to completing a contract online. If you made a mistake, you will have to correct it at the main office of the insurance company.
3. If you have a bonus-malus discount, it will not be taken into account. Data on discounts when changing rights or last name are stored in its own database. To correct your personal data and save the discount, you must contact the office in person.

Below you can find out how to apply for compulsory motor liability insurance via the Internet

Insurance payments provided for by the MTPL policy for a tractor

The system of insurance payments under compulsory motor liability insurance in case of a traffic accident involving tractors and other vehicles is absolutely the same. The only condition: in the event of an insured event, the insurance policy for the tractor must be properly issued.

After this, third parties injured as a result of the accident submit an application to the insurance company, a calculation of the damage is carried out, after which the insurer pays an amount equal to the damage caused.

Regarding damage to a vehicle, the damage repair system is currently predominantly in effect. That is, the insurance company pays for repairs directly to accredited car service and repair stations, rather than paying money to the victims.

We think that it is not worth saying that this is not always the best solution for the injured party. And it is clear that insurers are trying to save money on this, as a result of which the injured party may also become a victim of poor-quality repairs and long deadlines.

Therefore, here it is worth noting that MTPL insurance policies for tractors are provided exclusively by leading insurance companies, which is a guarantee that in the event of an insured event, money for repairs will be reimbursed in full, and the repair itself will be carried out in accordance with all requirements.

Money is paid to the victim only if the insurance company cannot provide repairs to the car in accordance with the requirements of the law.

Types of special equipment subject to insurance under MTPL

Since special equipment is driven on public roads, it can cause harm to other road users, so it must be insured. There is a peculiarity associated with purchasing insurance. Because specialized equipment is used seasonally, you may want to purchase an insurance policy for the specific time you plan to use it.

Calculate the cost of your seasonal policy using our specialty vehicle liability insurance calculator.

The legislation clearly defines the categories of special vehicles that require compulsory insurance:

• machines for repair and construction;
• motorcycles;
• agricultural machinery;
• ALL-TERRAIN VEHICLE;
• snowmobiles;
• trucks;
• logging equipment;
• chassis technology.

Federal law defines the following cases when purchasing insurance is not necessary:

• vehicle speed should not exceed 20 km/h;
• The equipment will not be transported on public roads; it is planned to be used for private purposes.

By purchasing a third party insurance policy, you can be sure that 2 types of risks will be insured under certain conditions. These include:

1. insurance in case of damage to another vehicle. The damaged car receives compensation, now the car is mainly sent for repairs. If the amount of damage exceeds 50 thousand rubles, it is recommended to contact traffic police inspectors to officially draw up a report.

2. life and health insurance of the victim. If we are injured in a traffic accident, the insurance company will reimburse us for treatment and rehabilitation costs. To receive payment, this fact must be noted in the protocol; all injuries must be registered in specialized medical institutions.

Conditions for receiving compensation:

• The cost of repairing a car does not exceed 400 thousand rubles;
• there are victims and injured, the insurance payment increases to 500 thousand rubles.

How to apply for an insurance policy for a tractor online

Many owners of cars, special equipment, and in particular tractors, are interested in the question of whether it is possible to issue an insurance policy for a tractor online and how to do it, because not everyone is still accustomed to the fact that everything can now be done via the Internet.

However, it is worth using online services at least once to become a real fan of this method of solving many issues. In addition, trips to the insurance company take a lot of time and effort, and also cost some money.

You can easily buy an electronic insurance policy for a tractor. First you need to find an insurance company that offers such a service, and in particular.

After this, we will provide you with access (personal account) to the online platform of one of the leading insurance companies, where you can fill out all the data and attach documents online, thereby independently issuing a compulsory insurance policy for the tractor. The MTPL policy, in turn, will be sent to your email. Everything is as simple as two! Just try it!

How to calculate the cost correctly

Tractor liability insurance can be purchased online in half an hour, but the bill will also need to be paid remotely. To do this, the card must have the amount required for the transfer. To pre-calculate it, use a special program. The following key factors are taken into account:

• Insurance period.
• Age and driving experience.
• Accident-free driving time (to calculate the discount).
• Make, model and year of manufacture of the car.
• Approximate cost of equipment and mileage.

The program converts all set values ​​into coefficients and gives the final figure for how much it will cost to insure your tractor. Once you know the estimated price, make sure you have money on your card when you sign up for insurance.

Other organizations

• OSAGO for drivers with less than 3 years of experience

  Young drivers with less than 3 years of experience experience difficulties when applying for an MTPL policy for their vehicle, so our company pays great attention to this issue.

• OSAGO for the culprit of an accident

  Almost all drivers get into an accident; after such an event, some perpetrators of accidents cannot take out a compulsory MTPL insurance policy. Our company can help such drivers restore justice and take out a policy.

• OSAGO for a driver without experience

  It is difficult for a young driver without experience to obtain MTPL insurance for his vehicle, since insurance companies flatly refuse to issue a policy to such drivers. However, our company has offers specifically for such drivers.

• OSAGO for individuals and legal entities

  Not all insurance companies and insurance brokers work with individuals and legal entities, and even those who do can process all categories of vehicles, but our company can handle everything.

• OSAGO for Volkswagen Polo

  For all owners of Volkswagen Polo, we are ready to provide unique offers for issuing compulsory motor third party liability insurance policies. Fully official design. We work with individuals and legal entities. Any purpose of use including taxi.

• OSAGO for Finland

  If you are going to travel to Finland with your car, then you will need a compulsory motor liability insurance policy, which is called a green card. With this policy you will safely cross the border with Finland.

• OSAGO for individuals

  Our company is ready to present a range of MTPL insurance services for individuals. We insure all categories of vehicles, apply all discounts and select the best offers for individuals.

• OSAGO for Honda Accord

  For Honda Accord owners, our company has special conditions for obtaining an MTPL policy. We issue compulsory motor liability insurance for any region for Honda owners. We have an additional discount on Honda Accord!

• OSAGO for Hyundai Solaris

  Registration of an MTPL policy for a Hyundai Solaris car. We even process taxi registrations for owners from other regions. We make a paper policy on a pink form. We will select the best offers for you.

• OSAGO for those registered in another region

  Compulsory motor liability insurance for those registered in another region is always a problem. You will be sent for a car inspection, which lasts more than a month, and it’s not a fact that they will give consent!

• OSAGO for ZIL

  All owners of ZIL cars are faced with the problem of obtaining compulsory motor liability insurance. There are several reasons for this - firstly, these are trucks, and secondly, most often these are old cars. Therefore, all insurance companies refuse such vehicles, but not us!

• OSAGO for foreign cars

  If you come from abroad and you need to take out a compulsory motor liability insurance policy in Russia, then we are ready to do this for you. We are insurance brokers and work with the largest insurance companies.

• OSAGO for abroad

  If you travel abroad in a personal car, then you will need to take out a special MTPL policy for traveling abroad, called a green card. The cost of this policy is low.

• OSAGO for school bus

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• OSAGO for Chevrolet Niva

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• OSAGO for Skoda Kodiak

  For Skoda Kodiak owners, our company has special conditions for issuing MTPL insurance policies with an additional discount. We will provide more than 5 insurance companies to choose from.

• OSAGO for Chevrolet Cruze

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• OSAGO for Schengen

  If you are going to travel to the Schengen zone in your own car, then you will need to apply for a special type of compulsory motor liability insurance, you can do this in our company. This type of MTPL is called a green card.

• OSAGO for Georgia

  If you are going to travel to Georgia by car, then you will need compulsory motor liability insurance, which is valid on the territory of Georgia. You can obtain this OSAGO form from our company.

• OSAGO for traffic police

  One of the mandatory documents required by the traffic police to register a car in Russia is an MTPL insurance policy. You should think about issuing a policy for the traffic police in advance, otherwise registration will be denied to you.

• OSAGO for trucks for individuals

  Trucks are a non-segment for insurance companies, both for individuals and legal entities. However, there is no need to despair, because our insurance center will help you in obtaining an MTPL policy for a truck if the owner is an individual.

• OSAGO for a new car

  Have you bought a car? - Fine. After purchasing a new car, the first thing you need to do is take out an MTPL policy. In our company, you can always take out an MTPL policy for a new car from a showroom or a used car.

• OSAGO for beginners

  It is not so easy for young drivers to take out a compulsory motor liability insurance policy and insure their car. Many insurance companies are turning away young drivers. However, we have a few suggestions for those new to the road.

• OSAGO for driving with a trailer

  One of the points that the insurer must ask the client when applying for compulsory motor liability insurance is whether the vehicle will be operated with a trailer. Many vehicles are not used at all without a trailer. Driving with a trailer on a policy that does not have the trailer ticked is an offence.

• OSAGO for Europe

  For cars that travel to Europe, you also need a compulsory motor liability insurance policy; most often, a green card is sufficient. In our company you can apply for any type of MTPL for Europe.

• OSAGO for Crimea

  The MTPL policy is mandatory throughout the Russian Federation, including for residents of Crimea. However, many insurance companies refuse to provide insurance as soon as they see the region of registration of the owner - CRIMEA.

• OSAGO for apartments

  An apartment is one of the best investments, so you need to insure it so that your investment does not go nowhere. Few people know that there is an analogue of OSAGO for an apartment.

• OSAGO for accounting

  It's no secret that without compulsory motor insurance it is impossible to register a car with the traffic police. However, many do not know where to apply for compulsory motor liability insurance for registration. Our company is ready to take on all obligations for obtaining insurance for your car. With our insurance, you are 100% guaranteed to register your vehicle with the traffic police.

• OSAGO for Ukrainians

  If you come from Ukraine, then in Moscow it will be difficult for you to obtain an MTPL policy for your car, so our company specializes in issuing MTPL policies for citizens with foreign rights, including Ukrainians.

• OSAGO for educational vehicles

  Training cars are associated with increased danger on the roads, so not every insurance company is ready to accept such cars, but we will select for you the best offers for compulsory motor vehicle liability insurance for training cars.

• OSAGO for a leased car

  If you have a leased car, then you understand how difficult it is to issue an MTPL policy for such a vehicle. However, our company is ready to help you with this.

• Accident in the parking lot

  Often, an accident does not happen on the road, but when the car is parked, what to do in this situation, because the second participant in the accident most often has already left the scene of the accident, and the damage to the car has been caused, is it possible to receive payment under compulsory motor liability insurance in this case?

• Duplicate diagnostic card

  Creating a duplicate of a valid diagnostic card has become a real problem. However, this article describes the solution. Read on to find out how to get a duplicate of the technical certificate.

• Left OSAGO

  Recently, fraud schemes involving fraudulent MTPL policies have become more frequent, and both paper policies and electronic ones are counterfeited; read the article on how to avoid becoming a victim of fraudsters.

• Road accident without compulsory motor liability insurance

  Almost every driver gets into an accident, but it is possible that one of the participants in the accident does not have a compulsory motor liability insurance policy. What should you do in this case? options for solving the problem.

• Working as an insurance agent under compulsory motor liability insurance

  To become an insurance agent for issuing MTPL policies for all categories and regions, you need to leave an application and our specialists will provide you with all the necessary access to a whole range of services!

• OSAGO for a tractor

  One of the types of special equipment that require registration of compulsory motor liability insurance is tractors. However, many tractors are not a segment of the insurance company, so the owners of such vehicles hear refusals from insurance companies. Read the article about how to get a policy for a tractor.

• OSAGO for a combine harvester

  Agricultural combines require a compulsory motor liability insurance policy during their operation, but where are they issued and how to do this? If everything is clear with passenger cars, then it is difficult to insure a combine harvester.

• OSAGO for a scooter

  Official registration of a compulsory motor liability insurance policy for a scooter, as well as other small motorcycles, has become a big problem lately, so our company is opening special offers for compulsory motor liability insurance for scooters.

• OSAGO for ATV

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• OSAGO with delivery

  OSAGO with delivery to AutoPlus is the most convenient way to get insurance without leaving your home. The courier will deliver the policy to any place you want and at a time convenient for you - quickly and without any problems.

• OSAGO for a dump truck

  A dump truck is not a very common type of special equipment, so it may have problems with insurance under MTPL, but you need to get insurance. Read the article about how to make a policy for a dump truck and what difficulties may await you when applying for it.

• OSAGO for an excavator

  One of the types of special equipment that you can order from our company is excavators. In many insurance companies you will hear a refusal, since an excavator is not a segment, but not with us. We have been issuing compulsory motor liability insurance for excavators for more than 5 years, working with both legal entities and individuals.

• OSAGO for a truck

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• OSAGO for a snowmobile

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• OSAGO for tractor

  Registration of an MTPL policy for special equipment is a big problem for both individuals and legal entities. One of the problematic types of special equipment is the tractor. Read the article on how to apply for insurance for a tractor.

• OSAGO for special equipment

  Registration of compulsory insurance policies for various types of special equipment is a very difficult task, as it turned out. Many insurance companies prohibit insuring various types of special equipment.

• OSAGO for registration

  Is it necessary to take out a compulsory MTPL insurance policy in order to register a car and how to do this, read the article. Many drivers wonder whether insurance is needed to register.

• OSAGO for the haul

  There are situations in which it is necessary to take out a compulsory motor liability insurance policy for a short period of time to move a vehicle and one place to another; read the article on how to do this.

• OSAGO category C

  Recently, it has become a problem to issue an MTPL policy for category C vehicles; many insurance companies refuse to insure trucks, since they do not fall under the insurance segment. Read the article about how to apply for a policy.

• CASCO for taxi

  One of the specializations of our company is issuing CASCO policies for taxis. Taxi is one of the riskiest businesses for a car, so it is important to apply for CASCO insurance to be sure that you will not be left with nothing if the taxi gets into an accident. Read more about registering CASCO insurance for a taxi in the article.

• OSAGO category D

  Category D is one of the problematic categories when applying for an MTPL policy, but our company is ready to help you and obtain insurance for a category D vehicle without any problems. Read more about the design of category D in the article.

• Osago for taxi 2019

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• Number plates of Russian regions on cars 2019

  Region codes in Russia are written on state license plates. Each region corresponds to a specific code, but sometimes it is necessary to identify a particular region by its code or, conversely, by its region code. Regions of Russia in 2021.

• Registering a car with the traffic police 2019

  All vehicles in the Russian Federation are subject to mandatory registration. How to register a car in 2021, what’s new in the process of registering a car with the traffic police.

• Driving license categories 2019

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• Access to registration of E-OSAGO

  Now there are a large number of platforms for issuing E-OSAGO policies, to which we can give you access so that you can independently issue an OSAGO policy and receive a commission.

• OSAGO without inspection

  If you want to take out a MTPL insurance policy, but you are sent to have your vehicle inspected, then we can help you and issue a policy without inspecting your car.

• How much does it cost to get your license in 2021?

  Every year, thousands of people want to take the driving test at the traffic police and get a driver's license. If you have already attended a driving school, then you will be interested in the cost of passing the exam at the traffic police.

• Car re-registration in 2019

  How to re-register a car to a new owner in 2021, as well as what reasons exist for re-registration, all these issues are discussed in the article.

• Do I need to take an exam when replacing a license 2019

  Many drivers are interested in the question of whether they will need to retake the exam when replacing their license in 2021. Let's answer this question, because many drivers have already failed, for example, the theoretical part of the exam.

• Replacement of rights in 2021

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• OSAGO day to day

  Today, electronic MTPL policies are valid only after three days, but what to do if you urgently need a MTPL policy and you don’t have time to wait 3-4 days. In this case, you can contact Our company and we will issue you a paper policy on the day of your application!

• OSAGO for pensioners

  Such a group of the population as pensioners in our country is not particularly wealthy, so issuing a compulsory motor liability insurance policy is a very difficult task for them, as it hits their wallets hard. However, in our company, all pensioners receive an additional discount when applying for compulsory motor liability insurance. Special MTPL program for pensioners.

• OSAGO in 2021

  OSAGO is a type of insurance that concerns all car owners, therefore changes in the process of registration and calculation of insurance for a vehicle concern almost every citizen of our country. Read about changes in the field of auto insurance and compulsory motor liability insurance in particular in 2021 in the article.

• Inspection in 2021

  Changes are inevitable, if you want to know what will happen to car inspection in 2021, then read the article. The article provides comprehensive information about diagnostic cards and technical inspection in general. VET and OTO registers in 2021.

• OSAGO for foreign citizens

  Every day a huge number of foreign citizens from near and far abroad come to Russia. Naturally, foreigners may sometimes need a compulsory motor liability insurance policy in order to move around the territory of the Russian Federation by car. About how to apply for compulsory motor liability insurance for foreign citizens.

• Electronic PTS in 2021

  It's no secret that one of the main trends in our state is the transfer of all document flow to electronic form. This trend also affected vehicles. Electronic PTS will be introduced in 2021. About the pros and cons of a new type of documents.

• OSAGO for old cars

  If you are the owner of an old car, then you have already understood or will understand that getting compulsory motor liability insurance for it is not such an easy task and not all insurance companies undertake to insure such vehicles; read the article on how to insure an old car.

• OSAGO-rural and village registration

  Many people who come to large cities have a rural or rural residence permit (registration) and it is not at all easy for them to get an MTPL policy in the city, since insurance companies begin to put spokes in the wheels and do not issue the policy. What to do if you still need to take out a policy.

• OSAGO with temporary registration

  Often people who have a temporary registration wonder whether they will be able to get car insurance. Temporary registration itself does not limit the issuance of a policy, however, there are some nuances that you should know...

• OSAGO with registration in the region

  Recently, people who are registered in the regions of Russia are faced with the problem of applying for a car insurance policy in Moscow. Read the article about why this happens and how to apply for a policy with registration in the region.

• OSAGO for Daewoo Matiz

  One of the problems faced by owners of low-power cars such as Daewoo Matiz is obtaining an MTPL insurance policy. Read about why it is difficult to get insurance for a Matiz and how to do it in general.

What to do if an insured event occurs

First you need to call a traffic police officer. To do this, call 02 or 112. While inspectors are on the way, vehicles cannot be moved or removed from the scene. They also do not touch elements or parts that were thrown out during an accident. It is optimal and reasonable to record everything that happens with a video camera or take pictures. It is recommended to ask for contact information from participants in the accident and witnesses, and ask whether they have considered the nuances.

Police officers arriving at the scene draw up a number of documents:

1. Protocol on an administrative offense against the perpetrator. If the initiator is a foreign citizen, then the number of his “green card” is noted in the protocol.
2. Appendix to the protocol. It shows transport damage in detail and clearly. Traffic police representatives inspect the equipment, recording only obvious damage.
3. Scheme of the incident.
4. Information about the accident.

The parties to the incident, especially those not guilty of the accident, are interested in a thorough and thorough inspection. The amount of insurance compensation and the period for receiving the amount depend on the recorded damage. Otherwise, the innocent party will have to resort to the help of experts who will draw up a document reflecting all the breakdowns.

If people were injured in an accident and suffered moderate or severe injuries, the following must be additionally compiled:

• a medical examination of drivers to see if someone was intoxicated while driving;
• certificate issued by the ambulance team.

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A copy of the protocol is given to both participants in the incident. If traffic police officers offer to independently assess the damage caused and indicate it in the protocol, it is recommended to refuse. The calculation of material compensation must be carried out by the insurance company.

All parties also fill out an incident notification form, which will be needed by the Investigative Committee. After the injured driver has collected all the documents, he must contact the company within 5 days.

Damage compensation procedure

If the current market value of the tractor is 500,00 rubles, then the amount of insurance payments should not exceed this figure. The actual price is formed from the final amount of experts based on the results of inspections and other financial securities. When drawing up the agreement, the terms of payment of funds will be taken into account. They are provided immediately or within a specified period.

In the event of an insured event, the required payments are provided as follows:

• in the amount of the insured amount without wear and tear of the vehicle, if the tractor cannot be repaired;
• in the amount of a strictly defined amount for the repair of the facility.

The amount of insurance compensation depends on the price of the tractor, the degree of wear, period of operation and year of manufacture. The amount ranges from 0.2 to 1.4% of the current price. Practice shows that for a tractor that is less than 8 years old, insurance amounts are paid immediately and in full.