When and how much will the MTPL policy increase in price in 2021?

Latest amendments

The purchase of a compulsory motor liability insurance policy is controlled by law. All changes to the insurance system are also being introduced officially. The last time innovations occurred was in September.

Damage is compensated in the event of a collision of several vehicles at once. The right to receive compensation applies to all owners of an online compulsory motor liability insurance policy, regardless of the date the insurance transaction was concluded. The European protocol, which is drawn up in the absence of traffic police officers, also continues to operate. Resorting to this method of recording damage is permitted only in specific cases.

If the OSAGO policy was issued later than April 28, 2021, it is subject to natural compensation in the form of repair work.

How much will OSAGO prices rise in 2021?

From the beginning of 2021, the MTPL policy will become more expensive than last year. And from September 1, 2021, insurance companies will have the opportunity to increase the initial and final rates of the base tariff by 30% .

The maximum rates, coefficients, as well as the procedure for their use by insurance companies are approved in the Directive of the Central Bank of Russia dated December 4, 2021 No. 5000-U. This document was registered with the Ministry of Justice of the Russian Federation on December 29, 2018. You can view it using the link below.

View payout amounts

Formally, from January 1, 2021, OSAGO will become more expensive, but according to paragraph 2 of Directive No. 5000-U dated December 29, 2018, the changes will officially come into force on January 9, 2021. You will have to pay for compulsory motor liability insurance in 2021 according to the formula:

basic tariff * coefficients (increasing or decreasing).

The cost of an MTPL policy is affected by the following indicators:

• basic tariff (price “from and to”);
• city ​​of residence (the coefficient approved by the government is taken into account depending on the region of residence of the car owner);
• trouble-free discount (Bonus-Malus coefficient);
• age and length of service of the driver;
• type of policy (limited or unlimited);
• season of use of the vehicle;
• machine engine power;
• existing violations of legislation relating to insurance (in accordance with the coefficient).

The increase in MTPL tariffs from 2021 is caused by a change in the base tariff and the introduction of new coefficients based on the age and length of service of the car owner.

New KBM

According to official data, the innovations will also affect the CBM, which is used to calculate the cost of the insurance document. A driver who has never caused an accident receives a discount. A person who has repeatedly been involved in accidents pays for insurance at a higher rate.

Now the final price of the MTPL policy will be determined by the severity of the accident, as well as the total number of accidents that occurred. At the same time, the cost of the insurance service will also be influenced by the usual factors: age, gender, driving experience of the policyholder, the region of registration of his vehicle (in the capital, the insurance service costs several times more), engine power, the number of drivers with access to the vehicle, the duration of the contract , duration of operation of the car, driver class, etc.

Changes in compulsory insurance rates: who is at risk

In May of this year, the Central Bank changed the OSAGO coefficients: now the price of the policy is calculated based on the age and driving experience of a particular car owner.

Drivers aged from 22 to 24 years old, with 5-6 years of experience behind them, now pay 55% more for compulsory motor liability insurance than before the introduction of the new law. The price of the policy for 25-29 year old drivers with the same experience increased by 31%, and for those with 7-9 years of driving experience - by 22%. The legislation has not spared older drivers either: now car owners over 49 years of age with at least 14 years of driving experience receive a 34% discount on the purchase of an MTPL policy. The issue of increasing the cost of compulsory insurance for drivers purchasing an open policy, which assumes that the vehicle can be driven by an unlimited number of drivers, is being considered.

Insurance companies claim that compulsory motor liability insurance rates should be increased in at least 10 regions of the country, and the cost of a standard policy should be increased by approximately 2-6 times. Insurance companies in Volgograd are suffering particular losses. That is why the coefficient in this region will increase by approximately 6.5 times.

The deputy chairman of the Central Bank also said that tariffs will change not only up, but also down. However, you should not expect that the cost of compulsory motor liability insurance will become less than the existing one, because insurance companies, already dissatisfied with the state of affairs on the market, clearly will not allow this.

According to experts, it is worth counting on an increase in the cost of compulsory motor insurance, and with a high probability that this will happen in the near future. Experts add that by the end of next year the cost of compulsory and voluntary insurance services will be equal.

Perhaps some innovations will come into force at the very beginning of 2021:

• direct compensation for damages for road accidents involving more than two drivers will be expanded;
• The limit under the Europrotocol will double.

Using a personal KBM

Each MTPL owner has his own KBM, which includes the concept of driver class. The changes will affect him. It is known that 1st class will be assigned under one of the following conditions:

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• the car is equipped with a trailer;
• the vehicle was registered outside the Russian Federation;
• the car has not yet been registered.

Please note that the driver's class is calculated based on the compensation that was paid as a result of the accidents that occurred.

The specific type of car does not matter. The driver's class is also not affected by information on:

• short-term contracts;
• invalid contracts;
• contracts that include a large number of drivers.

If several people were indicated in the previous policy, their KBM are not taken into account. The new calculation is made based on the vehicle owner’s data.

If the policy holder has driven a vehicle for less than a year, the BMR for him is calculated based on certain factors:

• presence or absence of emergency situations;
• the number of insurance payments made by the insurer as a result of road accidents.

If a citizen has already taken out a policy before, his new class fully corresponds to what was stated in the last document. If he purchases insurance for the first time, he is awarded class 3. When new drivers are added to the insurance policy, a new calculation is made.

The basic tariff will change the width of the corridor

The corridor of the basic tariff for compulsory motor liability insurance will expand down and up by 20%. This change will affect all vehicles without exception, not counting two categories that stand out especially: cars of legal entities and motorcycles. For the latter, the changes will be as follows: for vehicles owned by legal entities, the base tariff will increase by 5.7%, and for motorcycles - by 10.9%.

The new tariffs will be as follows:

• Passenger cars for individuals: 2746-4942 rubles.
• Passenger cars of legal entities: 2058-2911 rubles.
• Motorcycles and scooters: 649-1407 rubles.

Increase in price of OSAGO insurance policy in 2021

Information that the price of the MTPL policy will change in 2021 has been confirmed. The cost of compulsory insurance services will increase as follows:

• by 55% for persons from 22 to 24 years old with a driving experience of 5 to 6 years;
• by 31% for persons aged 25 to 29 years with 5 to 6 years of experience;
• by 22% for persons of the same age whose experience does not exceed 9 years.

Drivers over 49 years of age who drive vehicles 14 years and older can count on a discount of up to 34%.

Please note that the price of the policy will vary depending on the tariffs established in each region separately. The driver's accuracy and driving experience (presence or absence of accidents in the past) will continue to play a key role in determining the cost. For example, if a driver with extensive driving experience decides to add an inexperienced person who has previously been involved in an accident to his insurance policy, the discount will not apply. This is all due to the fact that tariffs apply to specific individuals, not cars.

When and how much will the MTPL policy increase in price in 2021?

The Central Bank reported that at the insistence of insurance companies and due to other factors, an increase in the price of compulsory motor liability insurance in 2021 may take place before the end of summer.

The approximate date for the price increase is August 31. Odds and base rates will be changed.

If in the first half of 2021 the basic tariff was calculated based on a range of prices from 3,431 to 4,119 rubles, and the coefficients were based on driving experience, the age of the owner, the engine power of the car and the region of its registration, then in the second half of the year the prices will change for all components of the cost of the policy.

Insurance companies expect the Central Bank to announce their long-awaited liberalization. However, for sure, no official source has yet undertaken to confirm that at the end of August the state will stop regulating pricing in the field of compulsory motor liability insurance. But if this happens, with a high degree of probability, drivers who are classified as unprofitable by insurance companies will pay 25-50% more for insurance than now (how much now - everyone can calculate for themselves using the OSAGO calculator).

For other drivers who drive without an accident, prices, on the contrary, can be halved.

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Therefore, both the Central Bank and the Russian Union of Auto Insurers state that the event should not be treated as an increase in prices. Rather, this phenomenon can be described as the establishment of a more fair tariff for policies than now.

Drivers who were insured and were involved in an accident where they were found to be the guilty party can be advised to apply for compulsory motor liability insurance before the end of the summer. For them the situation is clear.

The President of the Russian Union of Auto Insurers (RUA), Igor Yurgens, explained:

“A rule-breaker or a novice driver will receive a tariff higher than now. And a careful driver with extensive experience is less likely to do so. This will make it possible to compensate for the costs of the risky segment, while good drivers will not pay for bad ones. The experience of Germany shows that when tariffs were immediately released, they fell and tariff rates did not return to their previous value, even despite inflation.”

Preliminary calculations of the changed prices can be presented as follows: for example, a young driver who received his license for the first time at the age of 22 and got behind the wheel of a 150-horsepower car will pay about 17-20 thousand rubles for compulsory motor liability insurance.

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Other increases in the cost of MTPL policies in 2021

Fresh changes, expected in January 2021, will affect legal entities and organizations such as vehicle fleets. For them, the average coefficient will be used, which is why the cost of the policy will increase. The more cars are insured, the higher the likelihood of an insured event occurring. This will play a role in determining the cost of compulsory motor liability insurance.

The coefficient will also be increased for irresponsible drivers: starting from 1.86 for 5-9 violations and ending with a triple increase for more than 35 violations.

New MTPL policy forms

The changes will also affect the MTPL forms themselves. From January 1, 2021, they will begin to have a special QR code in the upper right corner. With its help, you can easily get acquainted with the data of the compulsory motor liability insurance contract: the name of the insurance company, number, date of issue of the document and its validity period, VIN code and license plate number of the car, information about the insured and the owner of the car, as well as a list of persons authorized to drive. RSA hopes that the QR code will also become an additional measure of protection against counterfeit vehicle registration forms.

What you need for MTPL insurance in 2021

The package of documents required to conclude an insurance contract for individuals and individual entrepreneurs in 2021 will look like this:

• an application written according to the rules of the insurance company on its letterhead;
• technical inspection certificate (you will need to pay attention to its validity period);
• registration document (if the car has already been registered);
• vehicle technical passport (for unregistered vehicles);
• driver license;
• passport.

Legal entities provide insurance companies with the following documentation:

• statement;
• diagnostic card;
• vehicle passport or registration certificate;
• power of attorney for the employee who concludes the insurance transaction;
• certificate of registration of a legal entity;
• seal of a legal entity.

Having issued a policy, any insurer provides its client with:

• original insurance document;
• list of insurance rules;
• a reminder for the driver;
• a receipt for the payment for the service.

After all documents are handed over to the client, the compulsory motor liability insurance policy begins to officially take effect.

Increasing the basic MTPL tariff

Here, as we already mentioned above, in 2021 it was not the tariff itself that increased, but the range of possible prices applied by insurers for these tariffs.

As you can see, in the basic tariffs, the increase in compulsory motor liability insurance affected only the most popular categories of vehicles: passenger cars. persons, taxi drivers and trucks.

Fine for not having a compulsory motor liability insurance policy in 2021

A driver who does not have an insurance policy is required to pay a fine. This year, drivers will be fined 800 rubles for not having compulsory motor insurance. In this case, the amount of the sanction can be increased to 8,000 rubles (for a serious offense). If the policy holder simply forgot the insurance document at home, he pays 500 rubles. The same thing happens when presenting an expired policy. A fine of up to 5,000 rubles is possible (depending on the nature of the violation). The alternative to either of these options is a warning. All these norms are introduced in order to accustom drivers to discipline and reduce the number of unpaid compensations.

If a person pays the fine within 20 days from the date of its imposition, he receives a 50% discount. The issue of repealing this rule has not yet been decided for sure. It is assumed that all fines will remain the same. Most likely, drivers will also be able to take advantage of the discount. This is done to encourage drivers.

Conditions for registration of compulsory motor liability insurance in 2021

What package of documents will be required for concluding an agreement for citizens of the Russian Federation:

1. Completed insurance application form;
2. Diagnostic maintenance card (issued by the auto diagnostic center);
3. Registration data (technical passport, cars without registration).
4. Driver's license;
5. Identity card of the policyholder and the owner of the vehicle, if this is not the same person.

What package of documents must organizations provide:

1. Fill out a company insurance application form;
2. Maintenance card;
3. Technical passport/registration certificate;
4. Power of attorney for insurance issued by the company management to the responsible employee;
5. Confirmation of company registration;
6. Sample of a company seal.

For more information about the necessary documents for issuing a compulsory motorist liability insurance policy, read our article.

What documents does the policyholder receive after purchasing an MTPL policy in 2021:

1. OSAGO policy form;
2. Terms of the current contract;
3. Insured's memo;
4. Receipt for payment of the contract;

What liability is provided for the owner of an uninsured vehicle in 2021?

According to the changes made to the legislative act, in the coming year, penalties for driving a car without a compulsory motor liability insurance policy will be more stringent. In general consideration, their sum will be presented in the following ratio:

• For those offenses where previously a fine of 800 rubles was provided. you will have to pay - 8 thousand rubles.
• For offenses for which a fine of 500 rubles was imposed, the amount of payments will be 5 thousand. rub.

The legislator expects that this approach will provide more order and discipline in the field of compulsory insurance and put an end to the issue of false contracts and copies. Therefore, the authenticity of insurance policies and their availability will be confirmed using video cameras.

As before, motorists who fail to renew their contract on time are subject to penalties. The amount of fines for persons not included in insurance but driving a vehicle remains at the same level. Note that their liability does not depend on whether the owner is in the salon or not.

Please note that the 50% discount bonus remains in 2021, subject to prompt payment of the fine within 20 days.

Recent changes regarding electronic policies

An MTPL policy purchased online on the insurer's website has full legal force. This rule came into effect in January 2021.

The electronic policy is legally equal to the paper version. In 2018, the registration process will remain the same. To obtain an insurance document, you will need:

• select an insurance company and go to its website;
• go through the registration process;
• submit an application for a policy;
• check whether all data was entered correctly;
• wait until the information is verified (an SMS will be sent);
• log in to the site;
• select the required service (issuing a new policy or renewing an old MTPL);
• receiving the document by email (the policy will need to be printed and taken with you when driving the car).

This option for issuing an MTPL policy, which gained popularity in 2017, has its drawbacks:

• it is almost impossible to verify its authenticity (you can do this visually or view data about the policy in the RSA database a few days after its purchase);
• many owners of electronic policies forget to print their documents, which is why they are punished with penalties;
• in case of an accident, its participants cannot exchange data about their insurance policies (in case one of them forgot to print the document).

How much will OSAGO prices rise in 2021?

From the beginning of 2021, the MTPL policy will become more expensive than last year. And from September 1, 2021, insurance companies will have the opportunity to increase the initial and final rates of the base tariff by 30% .

The maximum rates, coefficients, as well as the procedure for their use by insurance companies are approved in the Directive of the Central Bank of Russia dated December 4, 2021 No. 5000-U. This document was registered with the Ministry of Justice of the Russian Federation on December 29, 2018. You can view it using the link below.

View payout amounts

Formally, from January 1, 2021, OSAGO will become more expensive, but according to paragraph 2 of Directive No. 5000-U dated December 29, 2018, the changes will officially come into force on January 9, 2021. You will have to pay for compulsory motor liability insurance in 2021 according to the formula:

basic tariff * coefficients (increasing or decreasing).

The cost of an MTPL policy is affected by the following indicators:

• basic tariff (price “from and to”);
• city ​​of residence (the coefficient approved by the government is taken into account depending on the region of residence of the car owner);
• trouble-free discount (Bonus-Malus coefficient);
• age and length of service of the driver;
• type of policy (limited or unlimited);
• season of use of the vehicle;
• machine engine power;
• existing violations of legislation relating to insurance (in accordance with the coefficient).

The increase in MTPL tariffs from 2021 is caused by a change in the base tariff and the introduction of new coefficients based on the age and length of service of the car owner.

Repair and insurance payments: fresh changes and surprises in 2018

Previously, policyholders relied on extremely limited compensation when insurance claims occurred. The payment limit was 160,000 rubles. In 2021 the situation will change. As the price of the MTPL policy increases, the compensation limit will also increase. It is officially known that the maximum amount that policyholders can count on will reach 1.5 million rubles. However, it is important to remember that this will only affect particularly severe injuries, as well as fatal accidents. On average, policy owners can count on an insured amount of 400,000 rubles. In this case, the owner of the policy will decide for himself what to choose: receive money or complete repair of the vehicle.

The rules regarding payments in 2021 will become stricter:

• the insurance company will be obliged to cover all damage within 20 days from the date of receipt of all necessary documents from the policyholder;
• if the obligation is not fulfilled on time, the amount of insurance compensation will increase by 0.5%;
• If the client of the insurance company does not provide the necessary documentation within the appointed time, he will face a penalty in the amount of 1% of the amount of insurance compensation.

The updated legislation also includes important changes regarding car repairs. In this regard, policyholders receive prominent benefits:

• the condition of the vehicle will be assessed in a single objective way, on the basis of which insurance compensation will be calculated;
• during repairs, cars will be equipped exclusively with new spare parts;
• the deadline for repair work will be 30 days;
• cars will be restored at stations that cooperate with insurance companies, or pre-agreed with them.

How will basic MTPL tariffs change in 2021?

The document released yesterday by the Central Bank is not yet the instruction itself on tariff rates for compulsory motor liability insurance, but only its draft. It is theoretically possible that the changes described below in their final form, after their adoption, will look slightly different, although, most likely, by the fall of 2021, MTPL tariffs will look exactly the same as was proposed the day before by the Central Bank.

One of the main changes for motorists is the expansion of the base rate corridor. If currently the base rate ranges from 3,432 rubles to 4,118 rubles, then soon the boundaries of the corridor will range from 2,746 to 4,942 rubles.

Although not only the upper, but also the lower limit of the corridor has formally increased, it is clear that in practice this means an increase in the base MTPL rate in 2021 from 4,118 to 4,942 rubles, or exactly 20 percent.

All insurance companies in Russia focus only on the upper limit of the base rate corridor, so we can confidently say that soon the MTPL policy will rise in price for motorists by 20% following an increase in the base rate.

Oddly enough, OSAGO insurance policies for motorcycle and moped drivers will become cheaper by almost 11 percent. The upper limit of the base rate corridor for them will now be 1,407 rubles.

At the same time, lovers of two-wheeled vehicles should prepare for the fact that compulsory motor liability insurance will simply become even more inaccessible to them than it is now. Insurance companies, under any pretext, deny motorcyclists insurance policies, since insurance for this category of drivers is even more unprofitable than compulsory motor liability insurance in general. With a reduction in tariffs, insurers will completely lose interest in compulsory motor vehicle liability insurance for motorcyclists.

Changes to the inspection procedure in 2021

There are no fundamental changes in technical inspection issues. The cost of such a service (today a technical inspection costs from 800 to 1,500 rubles) will increase. The legislation provides for the installation of cameras to monitor the quality of technical inspections.

There are no changes regarding technical inspection for pensioners. This is due to the fact that older people in Russia rarely drive. If a pensioner does not have enough funds to conduct a technical inspection, such a service will be provided to him free of charge. Official dealers are still responsible for its implementation.

OSAGO will become more expensive

From the first day of autumn, cameras on the roads will begin to monitor the presence of an MTPL policy. For driving without a policy, you will be fined 800 rubles; you can be punished once a day.

The OSAGO policy itself will also become more expensive. The Central Bank has made adjustments to the calculations, and now the minimum price will be about 7,000 rubles instead of the current 5,800 rubles.

Traffic cameras will teach you to recognize a compulsory motor liability insurance policy. Photo: Andrey Grechannik/KP

What to do in case of an accident in 2021

The algorithm of actions in case of an accident is standard:

• if there are victims, you must immediately call an ambulance;
• call the traffic police;
• notify the insurance company about the accident and follow its instructions.

The situation can be resolved without the involvement of authorized bodies. To do this, at least one of the following conditions must be met:

• no one was injured as a result of the accident;
• both sides agree on who exactly is responsible for what happened;
• both parties do not want to document the accident.

At the same time, they can draw up a European protocol. This is done in the following cases:

• no more than 2 parties were involved in the accident;
• each of the participants in the accident has an insurance document;
• there is no disagreement between them;
• no one was killed, and no one else's property was damaged.

There are several rules for filling out such a protocol:

• a ballpoint pen is used;
• All necessary information about the participants is entered into the document;
• the front part is filled out by each of the parties, after which it is certified with signatures (2 from each);
• the reverse side does not remain blank;
• if changes are subsequently made to the document, they are confirmed by signatures;
• completed copies are separated.

The document, drawn up in accordance with all the rules, is submitted to the insurer within 5 days after the accident occurred. It must be accompanied by all required documents, the list of which is determined by the insurance company itself.

What other changes are being prepared in the formula for calculating the cost of compulsory motor liability insurance?

One of the most noticeable changes is the reform of the system for calculating the coefficient based on the driver’s age and experience. If now there is a fairly simple line of coefficients, consisting of only four steps, then the new scale will already include 50 points.

The coefficient, depending on age and length of service, will range from 0.96 to 1.87.

The highest coefficient will be given to drivers under 21 years of age with less than three years of experience, the lowest - to drivers over 40 years of age with more than three years of experience, drivers over 35 years of age with five years of experience and drivers over 30 years of age with 10 years or more experience.

The grid of coefficients for accident-free driving and the KBM indicator are also being reformed. For some drivers, it is important that now the insurance history will be assigned only to the driver (now a person can have different CBM as a driver and as an insured).

The insurance history will also not be reset if a person has not been insured as a driver for some time. Resetting your insurance history to zero in such cases is especially absurd if a person has used compulsory motor liability insurance for an unlimited number of drivers.

Legal entities, according to the new insurance rules, will receive a single CBM for their entire fleet, which will also simplify for them the insurance of the organization’s cars.

We pay for travel using a smartphone

With the beginning of autumn, you may have to wait (and stand in lines) at bus stops in the capital less. Starting from September, the capital's transport will be switched to a new operating system - it will completely lose turnstiles.

They will do this in order to speed up the process of boarding passengers and, accordingly, reduce parking time. The abolition of turnstiles on certain bus and tram routes began in January 2018. Earlier, the Moscow government explained that as a result of this experiment, on selected routes, boarding time during rush hour was reduced from 5 minutes to 30 seconds.

validator

Photo: Moscow city news agency/Anton Kardashov

Russians will be assigned a personal credit rating

The existing fleet will be equipped with new validators - with their help it will be possible to pay for travel, for example, with a bank card or smartphone. And by the end of the year, Moscow promises to purchase about 500 new buses and 20 trams, which do not have turnstiles at all.

OSAGO will become more expensive, and cameras will have expanded powers

Motorists should keep in mind that from September 1, cameras installed on the roads will begin to “monitor” the absence of a compulsory motor liability insurance policy - violators caught lacking insurance face a fine of 800 rubles. However, for now they will be able to issue it to the car owner no more than once a day.

At the same time, the compulsory car insurance policy itself will become more expensive - back in the spring of 2018, as Vedomosti wrote, the Central Bank announced that they planned to expand the tariff corridor by 20% - this will affect both the maximum (it will increase from 4.1 thousand rubles to 4. 9 thousand rubles), and the minimum threshold (it will decrease further - from 3.4 thousand rubles to 2.7 thousand rubles). However, in the end, such measures will still lead to higher prices. The average cost of the policy will increase from the current 5.8 thousand rubles to 7 thousand rubles.

cameras

Photo: IZVESTIA/Pavel Bednyakov

The calculation system itself will become more complex - as part of the reform of the entire MTPL system, as many as fifty categories are now being introduced into which drivers are divided depending on age and experience. So far there have been five.

The government intervened in the reform of inheritance law

The Cabinet of Ministers has developed amendments to the bill allowing spouses to draw up joint wills and create personal funds

By the way, the cameras will be monitored from the beginning of autumn and the lack of maintenance. Fines for its absence will also increase to 2 thousand rubles - like the fine for the absence of compulsory motor liability insurance, drivers will be able to issue it only once a day, but even in this case, violators will face serious expenses.

How much will insurance cost after the price increase?

This is not known yet.
But it is reported that the base tariff and a number of coefficients are changing. Increase in the price of compulsory motor liability insurance - how much will the policy cost?

Thus, the changes will affect the following components of the policy cost:

• in 2021, the base rate will rise in price (in fact, the rate corridor allowed for use by insurers is increasing),
• the territorial coefficient changes (most likely upward),
• change (most likely, also become more expensive) depending on the driving experience and age of the drivers included in the policy.

As you can see, the price range for the base rate was simply increased. It should be taken into account that with today's price range, almost all insurance companies apply the maximum rate. Therefore, a similar situation is expected after the price change.

But the most important point is that all coefficients are applied to the base rate by multiplication - that is, even if the base rate of a particular insurance company rises in price by 10%, then the final cost of the MTPL policy can increase by 100% with the same coefficients.

The authorities themselves say that compulsory motor insurance will become more expensive. Thus, the Central Bank has even already calculated how much the increased price of the MTPL policy will cost on average - 7 thousand rubles instead of the old 5800 rubles.

Coefficient by age and experience

Special attention should be paid to how the driving experience of the driver included in the MTPL policy and how old he or she is affects the final price.
Thus, the Central Bank has already proposed changed coefficients. As it was

And after the changes, the coefficient for age and length of service will be the following values.
How will it become

As you can see, for drivers with minimal experience and age, the policy will still become slightly more expensive, but for drivers over 35 years old with at least 3 years of experience, on the contrary, it will become cheaper.

Minimum and maximum

At the same time, the Central Bank currently sets only the minimum final cost of compulsory motor liability insurance. It is 1,500 rubles (in fact, at this price it is almost impossible to purchase a policy). After the innovation, this cost will also be increased - up to 1,700 rubles.

And the good news is that, perhaps, a maximum limit will be set for the final amount that the driver will have to pay in the form of an insurance premium. It has not yet been announced, but they promise that it will be.

Impact of car mileage on the price of compulsory motor insurance

Another “planted pig” may be the dependence of the final cost of the policy on the mileage of the car for which it is issued. Thus, a new mileage coefficient can be introduced.

But this is not an officially upcoming change. These are comments from one of the government officials who influences the dynamics of the rise in price of the policy. According to him, among cars with a mileage of more than 30 thousand kilometers per year, accidents occur more often - 2.2 times more often than among cars with a mileage of less than 5 thousand km per year. And this is the reason for introducing a new OSAGO coefficient.

The position of insurers regarding the increase in the price of compulsory motor liability insurance in 2018

Insurance companies, at the first opportunity, point out that compulsory motor liability insurance today is unprofitable for the vast majority of companies, and the situation can only be corrected by abandoning fixed tariffs.

Market representatives complain that pricing will be regulated solely by the market, and competition between participants will not allow prices to rise to sky-high limits. This will also force them to fulfill their obligations better in order to retain clients in their hands.

The Central Bank is not yet ready to immediately agree to the terms of the RSA and its participants, but in general they understand the insurers and are ready to make concessions, but consistently, promising a soft transition to the new system. It is possible that the first price increase will occur in 2018. Let us recall that today Russian legislation allows for an increase in compulsory motor liability insurance tariffs no more than once a year.

Travel benefits for pensioners and students

They decided to provide new benefits to residents of the Moscow region. Now all pensioners in the region over the age of 60 will travel in the capital’s public transport for free. Metro and trains are among them. The innovation will affect 1.4 million people.

Travel fees will also be subsidized for students. They will pay 50% of the cost of the travel document. Graduate students, residents, schoolchildren and students who study in the capital can count on a discount. The benefit will be valid from September 1 to June 15.

Sergeeva Elena

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