OSAGO coefficients 2021: explanation and tables

Why do you need a policy?

How OSAGO stands for must be understood literally.
Those. Owner's liability is insured. This means that when an insured event occurs, damage to the property and/or health of the victim in an accident is compensated. The payment is made by the company with which the person responsible for the accident entered into an agreement. On the one hand, compulsory insurance increases the cost of maintaining a car, on the other hand, it allows you to resolve disputes and compensate for damage caused in an accident in a civilized way.

Having an MTPL policy guarantees that losses caused by its owner will be compensated by the company. It turns out that compensation for damage is not carried out by the person responsible for the accident personally, but by the insurer with whom he has an agreement. Moreover, the cost of the contract is much less than the compensation that can be paid to the injured party.

What is covered, what is included in the insurance: what damage and how much?

“Auto Citizen” includes coverage for material damage to the property of the party injured in an accident, as well as damage to health. The maximum payment amounts as of 2021 are:

• up to 400,000 rubles for car repairs for each participant in an accident (except for the culprit)
• up to 500,000 rubles for the treatment of each person injured in the accident (except for the guilty party)

About making changes

OSAGO can be changed if there are serious reasons. For example, if your driver's license was stolen, your last name was changed, or you decided to add a new person to the list of people who can drive your car.

Only the insurer has the right to adjust and make changes to the policy and only on the basis of an application from the policyholder. Please note that new data may worsen your KBM (bonus-malus), for example, if the new driver had traffic violations in the past and payments under compulsory motor liability insurance. If you are restoring your lost KBM due to a change in driver’s license, you may well receive a discount.

How to add another driver?

If you decide to allow another driver to drive, then you just need to go to your insurer with a policy, as well as a copy of the passport and driver’s license of the new participant.

You can also add one more novice driver in your personal account. This can be done if you purchased insurance online.

You will need to fill out an application and possibly pay extra to add a new person, as insurance may become more expensive.

Do I need to change the certificate when changing my license or changing my name?

When changing rights or personal data, you must inform the insurance company so that it can make changes to the policy and transfer new information to the AIS RSA database. You do not need to enter anything into the form yourself. Changing your ID or surname is not a reason for terminating the insurance contract.

For more details on whether it is necessary to replace your compulsory motor liability insurance policy when you change your driver’s license, surname or car owner, read here.

Examples of using

Payments under compulsory motor liability insurance are assigned if the case is considered insured. To receive compensation from the insurance company, three conditions must be met simultaneously:

1. The culprit of the accident has been identified.
2. He has a valid MTPL policy.
3. The damage was caused during the use of the vehicle by the culprit.

If it was not possible to determine the culprit (he fled the scene of the accident), then you will have to restore the car at your own expense.

If conditions 2 and 3 are not met, but the guilty party is known, then you will have to go to court for compensation.

Types of car insurance

How to decipher CASCO and OSAGO?

OSAGO is, in fact, the formal name of an insurance policy, and drivers more often use the word “motor citizen”.

What is the essence of OSAGO insurance?

The principle of compulsory motor liability insurance is that a driver found guilty of committing an accident must bear responsibility for what happened and must compensate for the damage caused to the health, life or property of the injured participant in the incident. The principle applies regardless of whether the car owner intentionally or unintentionally caused harm to another person and his property.

In fact, auto insurance protects not only those injured in a car accident, as many people think, but also drivers, since insurance is associated with the risk of their civil liability. Motorists annually buy an MTPL policy, and in the event of a traffic accident, the insurance company covers the damage caused with this money.

The MTPL policy, according to the law, is a public contract. Therefore, any insurance company operating under the auto insurance system is obliged to issue a policy to each citizen who applies with the appropriate written application and a package of necessary documents. Tariffs and insurance rates are regulated by the Central Bank of the Russian Federation.

Thus, the essence of compulsory motor liability insurance is that a motorist or pedestrian injured in a traffic accident will be paid compensation for damage caused in the amount necessary for the restoration of the car or treatment and rehabilitation after injuries. The person responsible for the accident will repair his car at his own expense.

CASCO insurance

• material damage to the vehicle, both partial and complete (destruction of the vehicle);
• theft or, in fact, theft of a car;
• driver and passengers from an accident;
• optional equipment.

Insurers may offer to separately insure possible damage. All other subjects are necessarily insured only together with damage. It is not possible to insure them separately under CASCO insurance.

Since CASCO is not a compulsory type of insurance, but exclusively voluntary insurance, it is regulated only by the Insurance Rules. The insurer has every right to refuse to issue a CASCO policy to the car owner without giving reasons. The conditions of insurance under the CASCO system may differ among different insurance companies.

Therefore, in order to purchase a policy, the car owner must present the car to the company’s employees for inspection. Based on the results of the inspection, a report will be drawn up that shows all existing damage to the car. It is, taking into account this inspection report, that insurance payments will subsequently be made.

In fact, with CASCO insurance, the car owner will receive compensation for his damaged car. Comprehensive car insurance is not a requirement. If desired, the car owner can enter into an agreement solely against causing damage to his iron horse.

Responsibility under compulsory motor liability insurance

Any vehicle subject to registration with the traffic police must be insured.

Is it possible to drive without insurance and for whom?

Driving a vehicle without insurance is allowed only in two cases:

1. The vehicle is not subject to registration (engine displacement less than 50 cc, maximum design speed 50 km/h).
2. Less than 10 days have passed since the conclusion of the vehicle purchase and sale agreement.

What to do if you have lost your compulsory motor liability insurance

If you lose your MTPL policy, don’t panic. If the policy was paper, you need to contact your insurance company with the same set of documents that were presented when concluding the contract. The insurer is obliged to issue a duplicate absolutely free of charge. With an electronic policy, everything is much simpler - you can quickly print it out in your personal account.

Is there a penalty for lack of compulsory motor liability insurance, driving with an expired policy, or if the driver is not included in it?

There is a fundamental difference between driving without a policy and not having a “motor license” at all. In the first case, the fine will be 500 rubles, in the second – 800 rubles. An expired policy is considered equivalent to a missing policy and is subject to a fine of 800 rubles. To avoid troubles, you need to monitor the terms of the contract and renew it on time.

Some motorists trust the driving of their car to persons not included in their insurance. It is not safe. In the event of an accident, the insurer will refuse to compensate the injured party if the details of the person at fault are not indicated in the policy. The fine in such a situation will be 500 rubles.

We remind you that registering a car without issuing an insurance policy is impossible! Registration is carried out only if this condition is met and nothing else. The vehicle must undergo a thorough check, after which the traffic police will release it onto the roads.

Is it possible to register a car or pick it up from an impound lot without compulsory motor liability insurance?

Not all drivers behave consciously and, as a result of their actions, end up in a parking lot. A number of violations can lead to such consequences, including failure to comply with the requirements of the Compulsory Insurance Law. What to do in this situation?

If you want to pick up your car as quickly as possible, you will have to take out a compulsory motor liability insurance policy, pay for it, obtain a certificate of permission from the traffic police to pay a fine for an expired or missing policy, and present it to the impound lot employee along with the ownership documents. We advise you to hurry up, the rates for storing a car may unpleasantly surprise you.

Are fake policies dangerous and how to avoid falling into them?

Recently, the popularity of electronic MTPL policies has increased sharply. This happens because insurance can be purchased online. You can get a quick and convenient service without visiting the company’s office. Unfortunately, scammers have begun to take advantage of this. Cases of selling counterfeit documents have increased.

When applying for a policy, carefully study the address of the provider’s website. The fake link is almost identical to the original, differing only by a few letters. It is easy to miss such a minor nuance, and the consequences can be sad: loss of money as a result of fraud, refusal to compensate for damages in the event of a traffic accident.

Types of CASCO

As we found out, this type of insurance is exclusively voluntary. There are several policy options.

Any car owner can insure his vehicle with an auto policy, using several of its variations:

1. Damage. This option is the most popular. The document covers damage resulting from a transport accident, natural disaster, or fire. In addition, such insurance involves compensation for damage received from people or animals.
2. Hijacking. Not the most popular way of insurance. The problem is that almost all insurance companies, as a prerequisite, require the installation of a special satellite search system, blockers or other protective devices on vehicles. Not every organization is ready to issue such a policy option, since there is a risk that the owner of the vehicle will rush to get rid of such personal transport.
3. Comprehensive insurance. Combines the two car policy variations presented above. This type of Auto and CASCO is recommended to be issued if the car owner bought the vehicle on credit or he is the owner of an exclusive car.

The ability to choose the type of insurance that is convenient for you is a great success. Definitely, of the presented options, the third one is the most reliable. However, the cost of such a car policy is high. What makes it so expensive and inaccessible? Let's consider what the cost of CASCO depends on.

Is it necessary to apply for MTPL if you have comprehensive insurance, and what is MTPL?

Casco is insurance of your property. It is issued so that the insurance company will compensate for damage in the event of damage to your vehicle due to your fault or in the event of its theft. And OSAGO is not insurance of property, but of liability to other road users. Under compulsory motor liability insurance, the insurance company compensates for the damage you caused to someone else's health or vehicle.

Thus, the meaning of compulsory motor liability insurance and comprehensive insurance does not intersect in any way. These two types of insurance cannot replace each other in any way.

DOSAGO is a type of voluntary car insurance. By concluding a DOSAGO agreement, you can increase the limit of the sum insured, within which your insurance company will compensate for damage to the victim. So, without MTPL, if you cause damage to someone else’s vehicle in the amount of 600 thousand rubles, 400 thousand rubles will be covered by MTPL insurance, and you will have to pay 200 thousand rubles yourself. With DOSAGO, these expenses will most likely be covered by the insurance company.

What is meant by compulsory motor liability insurance?

The abbreviation OSAGO stands for the following:

• Firstly, OSAGO is one of the types of insurance. The main feature of this is that it is mandatory, that is, the driver does not have the right to drive on the roads without having such insurance with him.
• Secondly, the concept stands for compulsory motor third-party liability insurance. Already from the transcript it becomes clear that every car owner should have insurance.

If the driver does not have it issued or does not have it with him, then he will face a fine or deprivation of his license.

OSAGO is considered a so-called public contract. This means that each insurance organization undertakes to issue this type of insurance to the client who contacts them.

Every driver needs a policy because:

1. He determines the culprit who caused the accident.
2. Allows you to cover repair work on your car. The maximum amount of compensation is regulated by law. It also issues compensation if there are persons injured in the accident (the amount is also regulated by law).
3. Pays compensation to third parties.

Important: if the amount of damage exceeds the settled amount (if only property was damaged in the accident, then payments will not exceed 400,000 rubles; if damage to health was caused, 500,00 rubles), then the culprit of the accident must pay the balance. The contract provides, as is already clear from the description above, two risks: harm to health and damage to the car.

The contract provides, as is already clear from the description above, two risks: harm to health and damage to the car.

The legislation wants to consider a project that would increase the number of risks under compulsory motor liability insurance. However, this project is only in development, so there is no clear answer to the question posed today.

Insurance payments

In the case of compulsory motor liability insurance, tariffs are regulated by the Central Bank, so the cost will be the same everywhere.

To receive payments under compulsory motor liability insurance or an insured event, you must:

• contact the organization where the car was directly insured;
• or contact the organization where the person responsible for the accident is insured.

Important: before contacting the insurance company for compensation payments, you must collect all the required documents and make a copy of them. Without them, no compensation will be made.

The calculation of payments is made taking into account the damage: an expert assesses all the damage (this can be done by a service station, which will subsequently repair the car). But in this case, only the victim will receive his payments. Not only will the culprit not receive any compensation from the insurance company, but he will also have to pay the rest of the full amount if the amount of damage is more than 400,000.

What does an MTPL insurance policy look like?

From July 1, 2021, an updated insurance policy form was introduced. The changes affected both the external design of the document and the area of ​​increased protection against counterfeiting.

The appearance of the new policy and its difference from the previous version:

• the old-style forms were green: the new policy has changed and became pink;
• the new document featured graphic designs and complex color transitions to avoid counterfeiting;
• for ease of working with the policy, the size of columns and letters has been increased;
• the new form now has a higher level of protection: a metallized stripe was added along the left edge, the size of the old watermarks was changed;
• A QR code was placed at the top of the document: scanning this code will show whether the insurance is genuine.

How is the amount of insurance determined?

Back in 2014-2015, many people noticed that the price of cars varies. At the end of 2014, the concept of “insurance corridor” was defined, thanks to which insurance companies manipulated prices and competed

How is insurance calculated nowadays?

Russian laws define a general system for calculating insurance rates. For example, a single basic calculation for MTPL tariffs is used everywhere. But besides this, other factors also influence the total cost of the policy:

1. Transport category and type. That is, whether the transport is passenger or cargo, whether it is owned by an individual or a legal entity. All types and categories correspond to their coefficient - some vehicles are involved in accidents more often than others.
2. Territory. If the city is large and populated, then the likelihood of an accident is greater than in a small one. The cost of insurance is determined by territorial reference, so all regions have their own tariff, which is provided for by the law on compulsory motor liability insurance.
3. Experience in driving vehicles. Of course, a person who knows how to drive is much less likely to get into an accident. The age of the driver is also important here.

The following are worth noting as secondary indicators:

• Technical data of the vehicle;
• The time of his insurance;
• Have there been accidents before and if so, who was the at-fault party.

Amounts of payments under compulsory motor liability insurance in 2021

According to Federal Law No. 40, the amount of compensation for each insured event in 2021 is:

• for causing harm to life and health in an accident - 500 thousand rubles;
• for causing damage to the property of the victim - 400 thousand rubles.

Please note that the given data is the upper limit of payments. The final amount is determined by a number of factors - the technical condition of the car, wear and tear, market price, etc. As a result, the amounts transferred to the victims from the insurance company differ significantly from those specified in the law. Therefore, it is better not to count on large compensation.

Insurance price

Policy rates are also regulated by law. However, the price range can be significant as many factors influence the cost. The minimum limit for category “B” vehicles is 3,432 rubles, and the maximum limit is 4,118 rubles. Multipliers are applied to the base rate depending on certain factors. These include:

• engine power, since the more powerful the vehicle, the higher the risk of getting into an accident according to statistics;
• region of registration of the vehicle or residence of the owner, in large cities this is an increasing coefficient, in small settlements this is a decreasing coefficient (depending on the risk of getting into an accident);
• the age and experience of drivers is determined by the youngest and most inexperienced driver (with unlimited insurance, the maximum increasing coefficient is set);
• the duration of the insurance, the minimum period can be 3 months (coefficient will be 0.5), and the maximum period 1 year (coefficient 1);
• KBM, a coefficient that determines the period of accident-free driving for each driver, is set based on the minimum value of one of them.

If you have certain advantages based on these factors, you should know that you are entitled to a discount. Many insurers enter into contracts at maximum rates, which has led to a significant increase in the cost of insurance. Therefore, before you insure yourself, check the amount of your insurance using an online calculator. All insurers calculate the policy amount using the same formula, so regardless of the company, it will be the same. You can find such a calculator on any insurer’s website, as well as on the official website of RSA.

Then the cost of insurance will be recalculated for you and the overpaid funds will be returned.

Receiving and refusing payments

OSAGO received mandatory status on July 1, 2003 on the basis of Federal Law No. 40 of April 25, 2002, which entered into force.

The absence of a policy, incorrect execution of a document or failure to meet deadlines is a legal reason for the application of penalties or legal action.

OSAGO protects against numerous road problems:

1. If, as a result of an accident, there are victims with injuries of varying severity or death.
2. When causing damage to other vehicles.
3. If drivers or passengers of vehicles involved in an accident are injured.
4. When causing damage to foreign objects, or harm to animals in the accident area.

Refunds are not due:

• when causing damage to people or vehicle objects not specified in the contract;
• when demanding moral compensation;
• when an injury occurs during competitions (exercises) in designated areas;
• when causing harm to the environment.

The policy is not valid for insured events arising due to natural disasters or force majeure.

Complete lists of reasons for refusals to pay MTPL are posted on the official websites of insurance companies.

Insured events and cost of the policy

A motor vehicle insured event is the occurrence of civil liability as a result of causing harm to the life, health or vehicle of the victim or victims. OSAGO applies only to those cases when the driver (aka the policyholder) was driving the car.

An insured event is an accident involving two participants - that is, the culprit and the victim. In addition, the incident must take place on the road or adjacent area. Another important point is whether the person at fault for the accident has MTPL insurance. Without it, the person in question will not be able to cover the damage caused by the insurance company, which means he will have to pay compensation to the victim out of his own pocket.

The cost of the policy is determined by a special calculation formula, so it is impossible to say the exact price - it is determined individually in accordance with the characteristics of the car, the parameters chosen by the car owner and other aspects.

What does the insurance price consist of?

• The base rate is the initial cost that is set by the insurance company and which is then multiplied by all of the following factors;
• City of residence coefficient - this may differ in one insurance company depending on the region of registration of the car;
• KBM - a discount for accident-free driving, which is awarded to motorists for a period without an accident;
• Coefficient of age and driving experience;
• Limited or unlimited policy;
• Vehicle power;
• Seasonality of vehicle use;
• Insurance law violation rate.

It is worth noting that in 2021 there have been some changes in insurance. They touched upon basic tariffs and coefficients of age and driving experience.

First of all, it must be said that a tariff is a price corridor, from minimum to maximum, which allows insurance companies to choose themselves. Basic tariffs vary depending on different categories of cars and types of vehicles themselves.

The changes also affected the coefficients of experience and age. So, there are more gradations themselves. Previously, there were only four of them - younger or older than 22 years, less or more than 3 years of experience. Now there are as many as 56 of them. In addition, the coefficient values ​​for young, inexperienced drivers have generally increased, while for older drivers with more experience they have decreased.

You can calculate the cost of compulsory motor liability insurance in different insurance companies, taking into account all existing changes, at Vyberu.Ru. Our online calculator allows you to calculate the cost of a policy based on the data you enter and select insurance from one of the companies operating in your region in a matter of minutes.

Law on compulsory motor liability insurance

The MTPL law and rules regulate the standards for assigning compensation to the party who suffered losses as a result of an insured event.

Insurance companies are obliged to comply with the rules and the law when concluding a contract for compulsory motor liability insurance, otherwise you may be subject to administrative penalties.

Every person who drives a vehicle is required to have an MTPL policy. If the driver does not have a compulsory motor liability insurance policy, then administrative liability is applied to him in the form of a fine, and the car is not registered with the traffic police.

The personal data of the driver of the vehicle is entered into the policy; if there are several of them, then the inscription “without restrictions” is affixed.

Current legislation provides for an increase in the amount of the insured amount through the conclusion of an agreement in the form of Voluntary Civil Liability Insurance, abbreviated as DSAGO.

This service is provided by many insurance companies. According to DSAGO, an additional payment is made, which allows you to increase the basic insurance amount.

The state regulates the cost of the MTPL policy, introduces restrictions on the amount of payments, which makes it possible to establish a guaranteed low cost of insurance and the obligation to make payments when an insured event occurs as a traffic accident.

Differences in the decoding and rules of CASCO and OSAGO

So, the interpretation of CASCO and OSAGO has significant differences. As well as types of insurance. In the first case, the object is your own car, in the second case, the vehicle that was injured due to the fault of the client. Under CASCO, all damage is compensated; under OSAGO, there is a limit established by law. OSAGO implies compensation for harm caused to the health and life of victims, but CASCO does not. And finally, every car owner must apply for MTPL, and CASCO - on a voluntary basis.

Explanation of CASCO and OSAGO

OSAGO does not take into account the costs associated with the restoration and repair of their car, so many drivers choose CASCO to have a guarantee of a refund in case of damage or loss of the car. In addition, due to the limits on compulsory motor liability insurance, this amount is often not enough to compensate in full and the client is forced to pay the balance himself.

MTPL payment terms

Documents for receiving compensation under compulsory motor liability insurance in case of an accident:

• Russian passport;
• vehicle registration certificate and driver's license;
• certificate from the traffic police about the accident;
• notification of an accident from the person responsible for the accident.

What OSAGO can protect you from

In accordance with the provisions of the law on compulsory motor liability insurance, each car owner is now required to enter into a separate agreement on insurance of the risk of liability of the vehicle owner. In the Russian Federation, damage to property, health and life of victims from the actions of a violator insured under compulsory motor liability insurance as a result of an accident is subject to compensation.

It should be precisely understood that the MTPL policy is issued for a car, and not for a specific person. Therefore, if you get behind the wheel of a car that you do not own, then you must have not only a power of attorney to drive it, but also compulsory motor liability insurance for this vehicle. You must also be included in it. Likewise, if you own several vehicles at once, then each of them must have an MTPL policy.

OSAGO coefficients and payments

The latest version of the law provides for a significant increase in the limit of compensation payments to 400,000 rubles, and from April 1, 2015, to 500,000 as compensation for damage to health and life. Moreover, insurance companies have already stated that such an increase in insurance payments will automatically make it unprofitable for them to do business, so in the near future the cost of compulsory motor liability insurance policies will increase further.

Basic insurance rates for 2021 are as follows:

• passenger vehicles of individuals and individual entrepreneurs – from 4118 rubles;
• taxi – from 6166 rubles.

Also, when calculating the cost of compulsory motor liability insurance, increasing and decreasing coefficients are taken into account. They depend on the power of the car engine, the place of residence of the car owner, as well as his age and driving experience.

For example, according to the last criterion, the table of coefficients looks like this:

1. Experience – n/a 3 years, age – n/a 22 years, coefficient – ​​1.8;
2. Experience – n/a 3 years, age – n/a 22 years, coefficient – ​​1.6;
3. Experience – n/a 3 years, age – n/a 22 years, coefficient – ​​1.7;
4. Experience—n/m 3 years, age—n/m 22 years, coefficient—1.

Why every motorist should have MTPL insurance

An MTPL policy is a mandatory document that a driver must have while driving a car. The absence of a policy is an offense that is punishable administratively with a fine of no more than 800 rubles. Let us note, by the way, that such a widely practiced practice in the past as the removal of license plates for lack of compulsory motor liability insurance has lost its relevance today. Therefore, the most serious thing that a driver faces for lack of insurance is a small fine and, of course, the lack of confidence that in the event of an accident the driver will not have to pay a large amount to compensate the victim.

Decoding

This word literally means the following – compulsory (O) insurance (C) of motor vehicle (AG) liability (O). The decoding of the abbreviation OSAGO implies that this is a policy that is necessary for every vehicle owner.

It should be borne in mind that the document is drawn up for the car, and not for the citizen. Therefore, if the driver is not the owner of the car, but another person, then he must be indicated in the policy as authorized to drive the vehicle.

If a person has several cars, each of them must have separate insurance.

OSAGO abbreviation decoding

The decoding of this abbreviation speaks for itself - this is Mandatory Automobile Liability Insurance

It is difficult to overestimate its importance: every driver must take out a policy, and failure to comply with this rule guarantees penalties and sometimes even legal proceedings

The legislative act on compulsory insurance for drivers was published only in 2002 and during this time has undergone a number of amendments. Compulsory motor insurance is regulated by the Federal Law “On Compulsory Civil Liability Insurance of Vehicle Owners”, amendments made to it, as well as the Rules supplementing it.

Since the signing of the law, its meaning and decoding have remained unchanged. This policy allows the insured (that is, the policy owner) to relinquish responsibility for paying compensation to the party injured in the accident. That is, if for some reason you become the culprit of an accident in which the property or life of another driver or his passengers was damaged, it is not you who will pay compensation, but your insurance company. Thus, the policyholder does not need to rack his brains about where to get a large sum of money to pay compensation - especially in cases where the driver himself or his vehicle was injured.

It is important to take into account that vehicle owners insure their civil liability at their own expense. Any vehicle is subject to insurance, except:

• Vehicles whose maximum speed does not exceed 20 km/h;
• Vehicles that, due to their technical characteristics, are not subject to the legislation of the Russian Federation on admission to participation in road traffic;
• Vehicles of the Armed Forces of the Russian Federation, except for buses, cars, etc.;
• Cars registered in foreign countries, but provided that civil liability is insured in the international insurance system;
• Trailers for cars;
• Vehicles without wheeled propulsion systems - tracked, half-tracked, sleds, etc.

OSAGO coefficients with explanation

The cost of compulsory motor liability insurance is regulated at the state level, so companies cannot set it at their own discretion. The price of the contract with the insurer is calculated using a special formula:

Cost = TB * CT * KBM * KVS * KO * KM * KS * KN * KP.

These letters stand for individual indicators that can either reduce or increase the price of an agreement with the insurance company.

Policy coefficients mean the following:

1. TB – basic tariff. The indicator is established by law and depends on the type of machine and the purpose of its use (commercial or personal).
2. CT – territorial. Depends on the place of registration of the car (and not the registration of the owner). The larger the city's population, the lower this indicator.
3. KBM – bonus-malus. It is also called “driver class”. Depends on driving experience and the presence/absence of insurance claims.
4. PIC – age-experience. The more the policyholder drives, the lower this figure.
5. KO - limiting. Two indicators have been established that depend on the number of persons allowed to drive a car. If closed insurance is taken out with a limited number of drivers (up to 5), this coefficient is lower, and accordingly the policy is more profitable.
6. KM – engine power. The higher it is, the more expensive the policy will be.
7. KS – seasonality. The standard policy period is 1 calendar year. But if the machine is used only in certain seasons (for example, snow removal or agricultural vehicles), then the period is shortened and the coefficient decreases.
8. CN – violations. There are certain rules for issuing a policy. If any of them are not met in the previous period, this indicator increases when a new contract is concluded. We are talking about such violations as hiding from the scene of an accident, providing false information to the insurer, intentionally causing damage to property, etc.
9. CP – insurance period. Used for cars registered in foreign countries, but temporarily operated in Russia.

Design rules

To apply for compulsory motor liability insurance you must present:

• passport;
• certificate of registration of the vehicle or PTS;
• driver's license;
• diagnostic card if the car is older than three years.

Reference! The same documents are uploaded in the form of scans if you are insuring yourself for the first time and decide to apply for compulsory motor liability insurance via the Internet. The insurer checks the package of papers, and sometimes inspects the car, after which it calculates the tariff.

Instructions for registration of compulsory motor liability insurance:

1. Contacting the insurance company and providing a package of documents.
2. Filling out an insurance application form.
3. Studying the Insurance Rules and the text of the policy.
4. Signing of the MTPL agreement.
5. Payment for insurance.

The insurer issues the client not only a policy, but also two road accident notification forms, which must be taken with him in case of an accident. When filling out the application, be sure to indicate the make, model of the car, your experience as a driver, age, and all contacts.

On the back of the application you will need to enter all the persons you plan to allow to drive, the diagnostic card number and, if there is an old OSAGO policy number.

The application is signed personally by the policyholder. If it is submitted via the Internet, then a simple electronic signature is used for signing (a special code that the insurer sends to you by email or phone).

• applications for concluding an MTPL agreement
• applications for concluding an MTPL agreement

Is it possible to get it in installments?

Typically, compulsory motor liability insurance is issued for a year and the car owner immediately pays its cost, but it is possible to issue an insurance policy for three months with the right to extend. In this case, the driver will pay less. Please note that failure to pay your insurance on time will result in it becoming void.

You can learn more about purchasing an MTPL policy in installments from this article.

What documents are needed

To conclude a compulsory motor liability insurance agreement, the owner of a vehicle needs to submit a package of documents to the insurance company, which includes:

• an application filled out on a unified form;
• passport or other document proving the identity of the policyholder;
• certificate of vehicle registration, that is, its technical passport;
• vehicle technical inspection certificate;
• driver's license or a copy thereof of persons entitled to drive a car;
• documents certifying the driver’s right to drive a vehicle, provided that certain persons are allowed to drive it;
• if you have a policy that has expired.

Each policyholder is responsible for the documents provided; they must be in full and contain reliable information.

Cost of OSAGO

A unified calculation of the price of an MTPL policy is carried out according to the tariffs established by the Central Bank of the Russian Federation. The calculation takes into account the power of the car, the region of residence of the car owner, the number of people who have access to drive the vehicle, as well as the amount of driving experience, age, and the presence of previous accidents.

But with the cost of a CASCO policy, more questions arise. The main one is why is it expensive, and is it really necessary to take out insurance? After all, the insured event may not occur, but a rather impressive amount will have to be paid now.

There are several CASCO programs. This determines what the insurance payment will cover. Basically, when calculating the price of the policy, the market value of the car, the place and year of registration, the experience and age of all vehicle drivers, the volume of insurance risks, and the presence of protective equipment in the car, for example, GPS and alarm systems, are taken into account.

Features of OSAGO

The MTPL insurance policy exempts the culprit of the accident from the need to pay financial compensation to the victim, but does not cover his own damage.
Personal damage compensation is the competence of CASCO insurance. The MTPL policy has the following characteristic features:

1. Possibility to choose a policy with a limited or unlimited number of participants.
2. The right to be insured for a minimum period of 3 months. (standard - 1 year), or get temporary insurance - at least 15 days if the car is located outside the Russian Federation.
3. If you do not have a document while driving, you will be subject to fines, seizure of the vehicle, and legal proceedings.

The MTPL policy is a universal tool that regulates conflict situations during an accident. The document is based on the legislation of the Russian Federation and details the rights and responsibilities of the victims and the perpetrator of the accident, respectively.

How to calculate the cost of compulsory motor liability insurance

The cost of the policy is determined by the insurance company within the limits established by the Central Bank of the Russian Federation.

The online calculator uses tariff data for the current period established for individual cities and regions. The cost of the policy is determined by the rating of the insurance organization, the type of vehicle, the power of the vehicle, the duration of operation and other factors.

Procedure to submit a request for calculation in the online calculator:

1. Go and register on the insurance company's website.
2. Select the appropriate insurance option.
3. Enter your personal information and mailing address.

Wait throughout the day and a company representative will contact you. The result of the KBM calculation will wait about a day to the specified contact address.

Is it possible to extend the policy?

The MTPL agreement is extended for the coming year at the request of the policyholder. If he intends to terminate the contract, he must notify the insurance company of his intentions before the expiration of the contract, for which he is given two months.

A contract with an extended period cannot be terminated within 30 days due to late payment of the insurance premium for the next year.

When the contract is extended for a new term, its validity is paid in accordance with the tariffs established by the rules at that time.

CASCO

If you know a specialist who knows insurance, ask him if the term CASCO has an abbreviation for this abbreviation?

Most will answer positively, and will even spell out the name for you:

• K – complex;
• A – automobile;
• C – insurance;
• K – except;
• O – responsibility.

However, CASCO does not have an abbreviation - it is just a myth that appeared by analogy with compulsory insurance. In fact, this type of policy cannot even be considered completely “automobile”, since there are different types intended, for example, to insure ships or even aircraft.

The rule of writing the term “CASCO” in capital letters also took root by analogy with OSAGO, although this point still remains controversial.

But since the word CASCO exists, how does the abbreviation stand for? There is no such thing, but the word actually comes from its Italian “ancestor” - casco. If you turn to the dictionary, you can see that in translation this word is translated as “board”. In fact, this is quite logical, because by purchasing additional car insurance, you are actually insuring the side of your car.

Incorrect transcript versions

Many people try to decipher CASCO on the basis of other foreign words, so the following designations may appear on the Internet:

1. Cascade (English) is often translated literally because it refers to an acrobatic sequence of simulating a fall. This word is often used by people whose profession is associated with spectacular exercises - figure skaters, circus performers, etc. How is decoding used for CASCO? The logic of the supporters of this interpretation is that damage under this insurance program is only an imitation for the owner of the vehicle, because it will be restored free of charge.
2. The next term has already been borrowed from the French language - casque. The translation of this word means a helmet, which was used in the equipment of the French army until the 19th century. When interpreting, they refer to the fact that this insurance policy acts only as nominal protection, but does not insure the main thing - the lives of the owner of the car and his passengers.
3. The word "casco" means "skull" in Spanish. Proponents of the origin of the term precisely from this word reinforce their words by the fact that in the past, drivers in Spain actually applied a skull through a stencil to the body of their vehicle. Thus, all pedestrians were warned about its danger. And the first insurance policies issued actually had images of a skull.

All the examples described above are considered erroneous. However, it has still not been possible to reliably determine the country of origin of this term. Historians are still inclined to believe that the ancestors of the modern CASCO system were born during the Middle Ages on the Apennine Peninsula, which is why it is generally accepted that this is where this word comes from.

So we have deciphered the terms MTPL and CASCO. These are two different insurance systems, with different approaches and degrees of responsibility. They have many more differences and features, so it is better to read more about them in our thematic articles.

How to get MTPL insurance without additional services

Quite often, insurance companies in the Russian Federation offer clients additional services, assigning the imposed product the status of mandatory when obtaining a policy.

In this situation, the law clearly defines the actions of insurers as unlawful and contrary to the Constitution of the Russian Federation.

If you discover such facts, please contact:

• to the Central Bank of the Russian Federation;
• antimonopoly regional structures;
• RSA.

Complaints about illegal actions of insurance companies are sent online on the Internet portals of the listed organizations.

Definition

The abbreviation means: compulsory motor vehicle liability insurance.

A more detailed translation of this abbreviation looks like this:

• mandatory: any vehicle on the territory of Russia must be insured;
• automobile civil liability: compensation for damage in case of an accident is made to everyone except the person responsible for the accident.

How is it regulated and how does it work?

Compulsory motor liability insurance is regulated by Federal Law No. 40. You can read the text of the law here: https://www.consultant.ru/document/cons_doc_LAW_36528/

OSAGO works like this: if an accident occurs through no fault of the policy owner, the insurance company compensates him for the damage.

The MTPL law provides for compensation for damage through repairs, and only in exceptional cases - in money.

Also, the law on compulsory motor liability insurance provides for a penalty for late payment of damage.

Algorithm of actions to receive the maximum payment under compulsory motor liability insurance:

1. Contact the insurance company yourself, or through a representative you can trust. In this case, you need to provide documents without bank details. Thus, the insurer will not be able to make a payment ahead of time.
2. Get directions to the service station and go there. The referral (or its copy) must be stamped, as well as the date of application.
3. Wait no more than 3 months for the car repair to be completed: the penalty is charged at the rate of 1% per day. In 3 months approximately 90% will accumulate.
4. If the repairs are delayed, file a claim for payment in cash. In this case, the owner of the vehicle will need to provide documents with bank details. In this case (including 7-10 days during which the claim will reach the accounting department), the driver is charged a penalty in the amount of 100% of the damage. The vehicle owner receives the main damage payment.
5. After receiving payment for the damage in money, contact the insurance company with a special form of claim.
6. If there is no payment, then you need to contact the ombudsman for compulsory motor liability insurance. He makes a decision similar to a judicial one.

Related article: Will MTPL insurance pay if the culprit is drunk at the wheel?
If the car is less than 5 years old and the mileage is less than 150,000 km, then the driver is entitled to a TTS payment.

A template for a claim for repairs instead of payment can be downloaded here: https://apretenzia.ru/documents/strakhovanie/36/?utm_source=youtube&utm_medium=algoritmosago2020&utm_campaign=docnaremont

A template for an application for payment of TTS can be downloaded here: https://apretenzia.ru/documents/strakhovanie/14/?utm_source=youtube&utm_medium=algoritmosago2020&utm_campaign=docuts