Do I need MTPL insurance for a trailer or a “with trailer” label?

Is it necessary to apply for compulsory motor vehicle liability insurance for a car trailer?

2.8 (55%) 4 vote[s]

For work or personal purposes, sometimes you need to use a trailer on a car. It helps transport large volumes of cargo, but in turn creates a burden when managing transport and complicates road traffic. When you sign up for an MTPL insurance policy, the form contains a field to fill out: do you use a trailer when moving? If the answer is yes, then the cost of insurance increases. Is it necessary to issue compulsory motor liability insurance for a trailer if you did not provide information about the use of the trailer when receiving the policy? And how legal is it to drive with a trailer if such information is not included in the insurance?

Cost of insurance

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The law provides for two insurance procedures:

voluntary for passenger cars
mandatory for trucks

Separate insurance for the trailer is not issued. When submitting an application, you must put a check mark on the operation of the machine with a tow hitch. Its number and model are not indicated.

Is it necessary to undergo maintenance of the trailer? Get your trailer inspected in order to receive full payments from your insurance company. If you do not do this, you will be issued a policy, but in the event of an accident, compensation may be denied.

Types of trailers include:

platforms
side views
on one and two axles, spreader trailers

All trailers are also divided into passenger trailers and universal cargo trailers. The first ones are intended for installation on passenger vehicles, the second ones, respectively, on trucks. There are also special purpose trailers:

dump trucks used for transporting bulk solids
tanks used for liquids
for equipment: motorcycles, snowmobiles, boats
car transporters for car delivery
tourist trailers, summer cottages, aimed at providing recreation for people
commercial, equipped with commercial equipment
for transporting animals

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This norm is established by the provisions of paragraphs. d, clause 3, art. 4 of the Federal Law of April 25, 2002 No. 40 “On OSAGO”, which was introduced by the Federal Law of December 1, 2007 No. 306. However, the legislator does not limit the right of the car owner to obtain insurance if he has such a desire, Moreover, you can get both OSAGO and CASCO policies.

Trailer insurance is required in the following cases:

the owner of a car with a trailer is a legal entity;
the trailer is a cargo trailer;
The trailer is used with a bus, scooter or motorcycle.

You can calculate the exact cost of trailer insurance on the insurer’s website using the capabilities of its online calculator. It is recommended to take out a policy for the period during which the trailer is actually in use - this will significantly reduce the cost of its purchase.

The law does not require owners to insure caravans, but an exception applies if the following conditions are met:

permitted maximum weight – less than 3.5 tons;
wheeled vehicles are registered with the traffic police;
owner of a trailer is an individual who uses the equipment for personal purposes.

Cargo trailers are subject to compulsory insurance, as are car trailers owned by legal entities. Since 2014, Clause 7, Art. 4, which directly indicates the need to insure trailers by concluding a compulsory motor insurance agreement, which indicates the possibility of driving a car and a trailer to it. This requirement does not apply to citizens who purchased a trailer for a passenger car, which does not prevent them from voluntarily insuring the trailer.

To travel around Europe, a number of countries in Asia and Africa (Morocco, Tunisia, Turkey, etc.), you must obtain a Green Card. The Green Card is issued separately for the trailer and the vehicle. The cost of this policy depends on the size of the insured property (trailer equipment is cheaper than a car), as well as the period of conclusion of the contract and the territory in which the document will be valid (unlimited travel in Europe is more expensive than travel to neighboring Belarus, Ukraine, Moldova and Azerbaijan) .

As you know, when calculating the cost of a vehicle license, a base rate and special correction factors are used. Each indicator is established at the legislative level and changes its meaning depending on the data of the vehicle and its owner.

One of these indicators is the trailer coefficient, which changes its value depending on the type of vehicle.

Thus, the indicator that increases the cost of the policy changes its value as follows:

For cars registered to a company, a KPR of 1.16 is multiplied.
Truck weighing up to 16 tons – 1.4.
With a mass of more than 16 tons - 1.25.
Tractors and other tracked vehicles – 1.24.

What is a used trailer insured against?

Compulsory motor liability insurance assumes insurance of the impact on the liability of the trailer owner if third parties suffer damage as a result of an accident.

Under a CASCO policy, an insured event occurs for various reasons.

Theft of individual parts of a trailer in use.
Theft of special equipment, including a car.
Damage that can occur under various influences: road accidents, illegal actions committed by third parties, natural disasters. caused during a traffic accident.
Fires.
Destruction of the trailer structure under the influence of snow or ice. In this case, the owner’s actions should not be harmful.
Failure of soil or ice surface where special equipment was located.

The legislation of the Russian Federation determines the insurance of trailers with vehicles, but at the same time you need to understand how the situation really is. CASCO insurance is in demand among legal entities who can, at the expense of the insurance organization’s finances, carry out repairs in the shortest possible time, and, in the absence of such an opportunity, compensate for losses. In this case, losses will be compensated in the absence of the possibility of repairs or theft of the trailer.

CASCO for trailer

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Insurance of trailers under CASCO is not particularly different from insurance of other vehicles. It includes the same risks: theft and damage (as a result of an accident, natural disasters, hooliganism). Trailer rates range from 0.50% to 3.00% depending on the make/model of trailer and risk mix. Since the demand for various types of trailers invariably makes them a tasty morsel for car thieves, owners often limit themselves to insurance only against theft (tariff from 0.50% to 1.00%).

Car owners rarely insure a trailer voluntarily; the classic online CASCO calculator, as a rule, does not provide for calculating the cost of a policy for trailers. You can discuss the price and terms of the contract over the phone or during a personal visit to the insurance company. Large transport companies and cargo carriers do not skimp on car insurance for trailers. But they, as a rule, enter into a comprehensive agreement with the insurer, which includes cargo insurance, CASCO, OSAGO, DSAGO and other types. Therefore, the cost of CASCO insurance is lower for them.

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About the cost and features when taking out an insurance policy

Many car owners ask different questions: regarding the cost of an insurance certificate, existing methods of insurance, validity periods, and features of insurance in various situations.

The cost varies and is determined by the number of different components:

MTPL insurance policy selected for a passenger car with driving categories “B, BE” or “C”;
CASCO insurance selected for a vehicle with driving category “B, BE”.

Cost of trailer insurance

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When calculating the cost of insuring cars with a trailer, a special coefficient (Kpr) is used. The formula for determining the final cost of the MTPL policy is as follows:

Policy price = Bst * Km * TK * KVS * KBM * Kpr, where:

Bst – base rate of compulsory motor liability insurance;

Km – vehicle power factor;

ТК – coefficient of territorial affiliation of the car owner;

KVS – coefficient of dependence of the driver’s age and driving experience;

Kpr - trailer coefficient.

If we are talking about passenger cars owned by organizations, then the coefficient will be 1.16. If we talk about trailers and semi-trailers that are used by freight transport, then the coefficient varies from 1.25 to 1.4. Special vehicles used for the construction and reconstruction of roads are subject to a coefficient of 1.24. For all other types of trailers, and, therefore, for trailers of passenger cars owned by citizens, an indicator equal to one is used. Thus, the cost of the policy for private car owners using trailers does not change.

Taking out insurance for a car with a trailer for private car owners works like this: the manager of the insurance company asks the policyholder whether a trailer up to 750 kg will be used. If yes, then a mark is added to the policy completely free of charge.

OSAGO and Europrotocol

Europrotol is a special document that participants in road accidents draw up only in certain cases. The protocol form is filled out without the participation of authorized road service employees for the smooth receipt of compensation.

The Europrotocol can be issued in the following situations:

The accident involved only two parties (two cars);
both motorists have an MTPL policy;
the amount of damage caused is up to 100 thousand rubles (in some regions of the country an amount of up to 400 thousand rubles is allowed);
the participants in the accident have no disagreement regarding the circumstances of the collision.

Drawing up a European protocol is allowed if the participant in the accident is a car with a trailer, since after updates in the legislation this device is no longer considered an independent vehicle. The procedure for receiving compensation payments will also not differ.

It is important to know: a trailer is not an independent vehicle only within the Russian Federation. If the driver wants to cross the border of the country with a trailer, he must insure the device for transporting goods.

In what cases is it necessary to take out insurance for a trailer?

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If a person who is an individual decides to purchase a trailer for a car, most likely he will have a question: “Is the trailer insured under MTPL? " So, you don’t need insurance for a passenger car trailer. One car insurance policy is enough.

When is trailer insurance needed?

bus owners;
scooter owners.
cargo trailer insurance (for truck owners);
motorcycle owners;
legal entities require insurance for a passenger trailer;

If dangerous goods are transported on a trailer.
then a technical inspection will be required every six months.
A trailer from 3 to 7 years old must undergo technical inspection once every 2 years.
A new trailer does not require technical inspection for 3 years.
The trailer is more than 7 years old - a technical inspection is required once every 12 months.

When purchasing a new trailer, you need to check its VIN code and identification number in the registration certificate. They must match and have no blots. When purchasing a trailer, it is imperative to draw up a sales contract.

You may need it when registering your trailer and taking out insurance. First, let us recall that there is law No. 306.

released in 2007. Federal law states that insuring a trailer on a car that belongs to an individual.

face is optional. And legal entities must obtain insurance for the trailer. For them, an insurance contract is mandatory.

It's a little easier with truck trailers.

They are insured by everyone without exception without fail, regardless of whether it is a legal entity or an individual. You will need a compulsory motor liability insurance policy. Therefore, if an individual has a truck and a trailer at his disposal, then he must have a compulsory MTPL insurance contract for both vehicles.

You can calculate the tariff yourself.

You need to use the formula: multiply the basic tariff by the territorial coefficient. Then multiply the obtained result by the coefficient of the period of use of the trailer. The best time to insure your trailer is during the busiest time of year.

Example: March-October, etc. If you drive and use your trailer most actively during this period of the year, then you need to insure it. If you have taken out an insurance policy for a trailer under the compulsory insurance program, then it will be possible to insure the trailer against only one factor - a traffic accident.

theft of a trailer or its components;
sinking of trailer.
damage in the event of a natural disaster;
damage in a traffic accident;
damage due to soil collapse;
fire;

Legal entities prefer to take out insurance for their trailers through CASCO.

Thanks to CASCO insurance, they can quickly carry out car repairs. If it is impossible to restore the trailer, then CASCO will compensate for all losses. Thus, a person injured in an accident must contact the insurance company of the person at fault for the accident.

But there is an exception: direct damages.

In such a situation, the injured person receives a payment from their insurance company.

During an accident on the road, damage is caused only to the property of the insured person.
No more than two cars were involved in the accident. Both drivers must have insurance from MTPL.

Therefore, it must be taken into account that if an accident occurs involving a truck with a trailer and a regular car, then it is considered that three vehicles were involved in the accident. There will be no direct refund.

But if the collision occurred between a truck and a trailer from a car, then traffic police officers record an accident involving 2 vehicles. With peace of mind, you can go to the MTPL insurance company and request direct compensation.

During a traffic accident, it is important to correctly identify the person at fault. Perhaps the car itself or the trailer is at fault

Experts examine marks and damage located on trailers and vehicles. The car owner has a choice - OSAGO or CASCO

Perhaps the car itself or the trailer is at fault. Experts examine marks and damage located on trailers and vehicles. The car owner has a choice - OSAGO or CASCO.

The price of insurance depends on several important elements. Namely: the region in which the trailer was registered and the period of application.

An individual may not insure a trailer on a passenger car, since this is his will. The CASCO policy is more profitable in terms of the development of an accident: it covers any damage, theft, etc.

October 25, 2016

Use of the Euro protocol in accidents with trailers

The Europrotocol is a document that drivers draw up in case of minor accidents on their own, without calling the traffic police.

To obtain it, certain conditions must be met:

there are no casualties;
only 2 cars were involved in the accident;
both participants have compulsory motor liability insurance;
there are no disagreements between the parties;
the amount of damage is less than 50,000 rubles;

Some motorists are afraid to issue a European protocol if one of the cars had a trailer, since trailers are separate vehicles. However, the presence of a trailer does not affect the ability to issue a European protocol. But there is an important nuance: if, according to the law, it was necessary to issue compulsory motor liability insurance for this trailer, but the driver did not do this, then you cannot use the European protocol, you will have to call the traffic police,

Everyone needs to buy OSAGO for a trailer.

According to current legislation, every vehicle owner who has a truck trailer at their disposal should enter into an MTPL agreement. Moreover, this applies to both individuals and legal entities. If you did not manage to issue both policies on time, this may result in fines from traffic police inspectors.

For any freight vehicle, it is necessary to conclude a compulsory motor liability insurance agreement in a timely manner. In this case, it is best to insure the trailer at the same time as the truck; this will be much more convenient, profitable and reliable. No matter how insignificant and formal the obligation to make an MTPL with a diagnostic card for a cargo trailer may seem to you, neglecting these rules can lead to serious troubles with the traffic police. At best, these will be simple monetary fines, and at worst, a ban on operating the vehicle.

OSAGO trailer: design features

A trailer for commercial vehicles is not a self-propelled vehicle, but nevertheless it must be registered in the territory of registration of its owner. This must be done within the first ten days after its purchase. Remember that in order to contact the traffic police and register the vehicle in accordance with all the rules, you will first need to buy compulsory motor liability insurance. Our company will help you do this easily, quickly, and without extra effort.

Step #1. Insure your truck. For this large-sized and powerful type of vehicle, special conditions for obtaining insurance are provided. In most cases, trucks are owned by legal entities, so you can only buy MTPL for them without restrictions, or as it is called, “multidrive”. Absolutely anyone can drive such a vehicle if they have a driver’s license of the required category.
Step #2. Insure your trailer with MTPL. But first, the trailer will need a separate diagnostic inspection card confirming its full serviceability and suitability for use. Only after successfully passing the technical diagnostics will you be able to enter into an MTPL agreement and drive the truck legally.

OSAGO with a diagnostic card for a trailer: the importance of technical inspection

For a trailer to a truck, you will need not only a separate MTPL policy, but also an additional technical inspection. According to the rules, every trailer owned by legal entities must undergo regular technical diagnostics. If the permissible maximum weight of this vehicle does not exceed 3.5 tons, then the frequency of maintenance is the same as for passenger cars:

Trailers under 3 years of age are exempt from technical inspection.
3-7 years: passing every 24 months.
Over 7 years: annually.

It is much more difficult to obtain compulsory motor liability insurance with a diagnostic card for trailers equipped for transporting dangerous types of cargo: they need to be sent for maintenance once every six months. It is not always possible to undergo technical diagnostics so often, especially considering the fact that the truck may be on a long journey.

We offer you a simple and modern solution: buy ready-made compulsory motor vehicle liability insurance with a diagnostic card for a truck and its trailer at the same time from our company. This will significantly save time, resources, and will be an indispensable solution for the successful development of your business.

Buying OSAGO for a trailer is simple and affordable!

High quality: the best Russian insurers are at your service!
Low prices: trailer insurance is affordable for absolutely everyone, and it will always pay for itself!
Guarantee of legality: only genuine insurance policies that can always be checked for legitimacy.
Instant technical inspection: a ready-made diagnostic card from the best Moscow maintenance operator with accreditation in the Russian Union of Motor Insurers. Entering data into the State Traffic Safety Inspectorate.
Free delivery throughout Moscow: order OSAGO with a diagnostic card for the truck and its trailer at the same time, and we will give you fast free delivery to any address within the Moscow Ring Road.

OSAGO for trucks

In our country, motor vehicle insurance is a mandatory procedure. This applies to both cars and trucks. The legislation does not provide for any exceptions. In Moscow, this rule is as effective as throughout Russia.

Note that the form of ownership of the truck owner does not matter. Truck insurance is needed by both individuals and legal companies. This should not be neglected. The rules prohibit driving on a public road without a compulsory motor liability insurance policy. Otherwise, sanctions ranging from a fine to a ban on driving a car will follow.

How to insure a truck

1
Leave a request in any convenient way.
Fill out an application or
Send documents to:

8 (499) 322-47-49

Call us

The operator will contact you to clarify the calculations
3
We accept documents by email, whatsapp, viber, telegram
4
We issue your insurance policy

Free delivery policy*

Payment for the policy after verification

New OSAGO for trailers, semi-trailers, swing trailers

The updated law freed the owners of any trailers from the need to purchase separate insurance for these vehicles. Now the owners of cargo trailers, as well as the legal entity that owns trailers for passenger cars, can draw up an agreement only for the main vehicle (tractor), but with an increasing factor. At the same time, the policy (column “Special notes”) indicates that the car is “Used with a trailer.” Note that at first, in some regions, insurers interpreted this provision of the law very arbitrarily, indicating in the document a specific trailer model. It is not right! The policy should only indicate the use of a vehicle with a trailer. It is not necessary to enter the model, license plates and any other information about the trailer. Thus, the owner of the insured vehicle has the right to use it with any trailer that is at his disposal.

Table 1. Correction factors for compulsory motor liability insurance for vehicles with a trailer.

In a similar way, you can insure DSAGO (DAGO) for a trailer. The policy will be issued entirely for the road train (coupling) at the appropriate rate.

How to get insurance online

Recently, compulsory insurance for a car with a trailer can be obtained online. This significantly saves time, since there is no need to waste time in queues and make an appointment. To purchase MTPL through our website, you need to go through a few simple steps:

Pre-calculate the cost of insurance using our online calculator, selecting the make and model of the car, region, and other parameters necessary for the calculation.
Registration confirmation will be sent by email, after which you will find out your login information to your personal account.
Go to your personal account and fill out an application for registration of compulsory motor liability insurance. Here you should indicate the make and model of the car, year of manufacture, engine power and other parameters of the car, details of the driver’s license, PTS or STS and diagnostic card.
Next, the data is verified in a single automated system, after which you receive an answer as soon as possible, which can be seen in your personal account.
Then you receive a calculation of the insurance premium and make payment in any convenient way: by credit card, through a terminal or e-wallet.
After payment, the following documents will be sent to your personal account, which you can print: an insurance policy, a copy of the application, a memo from the policyholder and a list of branches of the insurance company.

Do not forget that you need to print out the insurance policy and take it with you, as this is regulated by law. Special marks will indicate that the vehicle is used with a trailer.

Types of trailer policies

The type of MTPL insurance worth taking out depends on how many people have the right to drive a car with a tow hitch. The policy can be limited or unlimited.

An unlimited validity insurance document has some special features. If the policyholder wishes to transfer the operation of the vehicle to another person, there is no need to change or supplement the information in the policy.

Based on the rules of the motor vehicle insurance policy, when concluding a compulsory motor liability insurance contract, insurance is mainly subject to the civil liability of a person, i.e. the owner, for property damage that will be caused to other persons involved in an accident on the road.

Among the main cases covered by insurance, the following situations can be distinguished:

material damage caused in an accident;
theft of your property, which was insured;
causing harm as a result of the elements;
fire;
damage caused by soil collapse;
material damage from illegal actions of other persons.

However, the insurance document does not protect in all cases. Among the exceptions, it is possible to single out moral damage, the conclusion of an insurance contract for another car that was involved in an accident on the road.

But if the vehicle is used with a trailer (semi-trailer), and there is no corresponding mark in the car insurance, then the fine will be 800 rubles. If the policy is issued in accordance with the law, but is simply forgotten at home, the driver will have to pay a fine of 500 rubles.

The rules of compulsory insurance and traffic rules imply that the MTPL policy (or its printed electronic copy) for a car with a trailer must be kept along with other documents for presentation if necessary.

This is approved in amendments to the current legislation:

MTPL law - No. 40-FZ dated March 28, 2017, clause 7.2, article 15;
Traffic rules - clause 2.1.1.

Penalties are imposed in the following situations:

driving without a document of insurance or a false document;
the policy is expired;
the list of authorized persons does not indicate the driver driving the car, another car is registered or is used outside the period permitted by insurance;
There is a compulsory motor liability insurance policy, but for some reason the driver cannot present it (it is easy for an inspector to check the availability of insurance).

Important! After the expiration date, the OSAGO document should not be thrown away, because when you receive a new one, the BMC (bonus-malus coefficient) is taken into account, which, after querying in the database of the automated system of the Russian Union of Auto Insurers (AIS RSA), can significantly affect the approximate cost of the new policy. The amount of monetary fines is clearly regulated by current legislation and is:

The amount of monetary fines is clearly regulated by current legislation and is:

The amount of the administrative fine in the absence of insurance or expiration of the validity period is 800 rubles. (Part 2 of Article 12.37 of the Code of Administrative Offenses of the Russian Federation).
The amount of the administrative fine due to the temporary absence of an insurance document is 500 rubles. (Part 2 of Article 12.3 of the Code of Administrative Offenses of the Russian Federation). The inspector will not accept excuses about a forgotten policy at home or in the office.
If, if you have insurance, the car is driven by a driver who is not included in the policy, or the driving takes place outside the period of use of the car specified in the policy, the fine is 500 rubles. (Part 1 of Article 12.37 of the Code of Administrative Offenses of the Russian Federation).

The state is accommodating to conscientious payers, so drivers who violate insurance rules (Federal Law No. 437) are given the opportunity to halve the amount of the fine if payment is made within the first 20 days after the imposition of sanctions.

It should be remembered that fines for lack of insurance are assessed repeatedly, so taking out insurance is more profitable and much cheaper.

In order to combat driving without an insurance policy, an innovation in 2021 may be the use of video cameras that will check recorded vehicle license plates with a unified database of the Russian Union of Auto Insurers (RUA).

For absence from this database, car owners will receive receipts for administrative penalties. The timing of the adoption of the amendment to the legislation is not known, but the approval is beyond doubt.

When concluding insurance contracts, contact only reputable companies that have proven themselves in the insurance market. This way you will avoid fraud and deception. Follow changes to current legislation and be attentive and careful on the roads.

Penalties

Penalty for lack of insurance

Article 12.3 of Part Two of the Code of Administrative Violations regulates sanctions for driving a car without a compulsory insurance policy. So, when the policy expires, the traffic police inspector will issue a fine of 500 rubles.

If the offender does not have an insurance policy at all, a fine in the amount of 800 rubles will be applied. However, under favorable circumstances, the driver may only receive a warning.

Types of trailers and insurance nuances

Legal entities are insured for six months, and individuals for 3 months.

It should be remembered that any insurance, first of all, acts as a guarantor in order to compensate the material costs of the injured person as a result of damage caused by third parties. That is, if you get into a traffic accident in which the car owner is not listed as the culprit, the company undertakes to cover all costs necessary to repair and restore the vehicle.

When can you expect compensation for damage associated with damage to a trailer:

if any parts are missing from the trailer, it is not the fault of the owner;
the trailer hitch was stolen;
if this equipment gets into unforeseen situations related to weather conditions, for example, falling under ice, or deep holes on the roads, etc.;
losses are compensated after participation in an accident;
The mobile device is also insured against fire or natural disasters;
if there were illegal actions of a third party that resulted in damage to property.

Some insurance companies offer their clients discounts when applying for compulsory motor liability insurance. This may be due to the fact that the policy has been renewed by the same company more than once, or when the number of insured vehicles has become large.

If you wish to terminate the contract ahead of schedule, the applicant will be refunded the amount of unused insurance premium. Such situations may arise, for example, in the event of a sale.

But owners of tractor-trailers must provide for the possibility of driving a vehicle with a trailer when registering for compulsory motor liability insurance. In this case, a special note will appear on the policy

In this case, it does not matter at all whether cargo is transported every day, or whether additional mechanized means are used occasionally

From the above, we can conclude that the cost of insurance for a passenger car from the use of a “trunk on wheels” will not change, but the policy will cost more for the owner of the tractor. This is due to the increasing coefficient; its value depends on the type of freight transport with which the semi-trailer is used.

Type of transport	Kpr coefficient value
Passenger cars owned by organizations and motorcycles	1,16
Trucks weighing up to 16 tons	1,4
Tractors weighing over 16 tons	1,25
Special equipment for construction and road use, except tracked ones	1,24
All other types of cargo vehicles	1

As an example, we can say that for the owner of a truck weighing 16 tons, provided that the device is used, the policy will be 40% more expensive. If a motorist decides to insure his trailer against possible risks under the CASCO program, such insurance will cost him 2-4% of its cost. In this case, the insurer will take into account the age of the mechanical device and the specifics of its use.

A trailer can be classified as a vehicle, despite the fact that it does not have a motor and does not move on its own.

Their peculiarity is that it is possible to transport goods only if you have a car. Today there are a significant number of different parameters, on the basis of which current trailers are classified.

They are:

similar to the platform;
with sides;
with one and two axes.

Thus, it is impossible to prohibit the owner of the car from insuring his trailer, but it is also impossible to oblige him to do so.

It does not matter which category of legal relationship the car owner belongs to, whether it is a citizen or an organization. In Russia, there has been a law in force for more than nine years regarding the fact that a person who owns a passenger towbar may not take out an auto liability insurance policy for it.

The cost of insurance for a car with a trailer will depend entirely on several factors. The first of them is the vehicle category (passenger or truck), the second is the maximum weight of the vehicle. Separate coefficients for calculating the price of insurance are provided for trailers for tractors, self-propelled vehicles and other vehicles that do not belong to the listed categories.

Cargo MTPL for legal entities

Insuring a truck under MTPL is not difficult. The difference for owner companies is that the policy is always issued for a year. After the deadline expires, you will have to apply for the next one. There are no restrictions on the number of persons entitled to manage under the policy. These conditions allow you to use the truck most effectively for business.