The principle of operation of the calculator on the official website of RSA www.autoins.ru
The principle of operation of the calculator is estimation and multiplication of coefficients. All values are set by the Russian Government. If the coefficients for a particular driver are the same for all insurance companies, then the base rate is determined by auto insurers independently, but within the price corridor.
Expert opinion
Valery Volkov
Insurance expert and auto lawyer
OSAGO calculator
Since the beginning of this year, the range of basic tariffs has expanded. This means that prices for compulsory motor third party liability insurance (MTPL) from different insurance organizations will differ more. The MTPL calculator on the RSA website will perform calculations in accordance with the changes introduced.
How to buy an MTPL policy online
Now almost all insurance companies offer to issue an electronic MTPL policy online without leaving your home. The procedure consists of filling out a form on the insurer’s website, which indicates all the necessary data for issuing a policy, such as information about the car, information about drivers, etc. The cost of the policy is calculated automatically after you enter the data, taking into account the KBM. You can also pay online with a bank card. After payment, an electronic E-MTPL policy will be sent to your email address, as well as related materials: insurance rules, a memo, an accident notification with an example of filling out.
When purchasing an E-OSAGO policy, its validity will begin no earlier than 3 days after registration.
Description of calculating OSAGO online using the RSA calculator
Formula for calculating insurance
Base rate x power factor of the car engine x indicator of seasonality of car use x accident rate x indicator of place of residence x value of age and length of service x indicator of the number of drivers x violation rate.
The presence of a trailer on the vehicle is also taken into account
Step-by-step instruction
To calculate OSAGO RSA, enter information about the car. First of all, you need to indicate the status of the owner of the vehicle: an individual or an organization.
Then provide your car registration details. Is it registered in Russia or abroad, or is it moving towards the place of registration?
Select the type of vehicle: car, truck, bus, taxi, tractor, tram, trolleybus, motorcycle, moped, ATV or other. If the car has a trailer, then this is also taken into account when calculating the cost of OSAGO RSA.
Enter the engine power.
Next, enter information about the planned period of use of the machine. Only the total number of months will be taken into account.
The maximum term of the insurance contract is always 1 year .
The next step is choosing the KBM class. A beginner is always assigned class 3. The value increases or decreases depending on the fact of insured events in previous periods.
The value of your KBM
Fill in the information regarding the owner of the vehicle: place of residence, presence or absence of violations of the previous policy.
In order to correctly calculate the cost of compulsory motor liability insurance on the RSA page online, be sure to check who is allowed to drive the car. If the type of insurance is unlimited, then check this box. If the policy is purchased with a restriction, then you will need to indicate information about all admitted people: the age and length of service of each person.
After correctly filling out all the required fields, the system performs the calculation.
Online cost calculation
Compensation is always calculated depending on the wear rate obtained. The older the car, the larger it will be and you shouldn’t count on a large sum in this situation. But if you have doubts about the calculations performed by the company, you can independently calculate depreciation using a unified online method.
To do this, you will need to go to the operator’s website and enter the following data in the form:
- Start of actual use of the car – dd.mm.yyyy.
- The exact date when the accident occurred is dd.mm.yyyy.
- Specific category of equipment (make, model, availability of additional equipment).
- Number of kilometers traveled (data can be found on the dashboard).
It is important to know! If the number obtained as a result of calculations is very different from what the company offers, you should contact them with a complaint. If you refuse to make a recalculation, you can protect your interests in court and demand recovery from the insurer of expenses incurred as a result of the proceedings.
Insurance payments under compulsory motor liability insurance (with or without a deductible) are made taking into account the depreciation rate of the vehicle at the time of the accident. The indicator is calculated using a special formula that takes into account the mileage of the car and the number of years it has been in use. You can determine the percentage yourself using a simple program on the Internet.
Insurance coefficients for calculating compulsory motor liability insurance
Vehicle engine power
The more horsepower a vehicle has, the higher the ratio. The lowest indicator is for cars with an engine power of up to 50 hp, and over 150 hp. – the value becomes maximum.
Region in which the policyholder is registered
The region where the driver is registered plays an important role and is taken into account when calculating the cost of the contract. In those areas where, according to statistics, the most traffic accidents occur, the coefficient will be higher.
Expert opinion
Valery Volkov
Insurance expert and auto lawyer
OSAGO calculator
For example, in Moscow, Kazan, Perm and Chelyabinsk the coefficient is 2 . In Volgograd it is reduced to 1.3 , in Yekaterinburg and Krasnoyarsk it is 1.8 . Values for other cities and regions can be found on this page.
Driving experience
The older the driver and the longer his driving experience, the lower the coefficient will be.
Thus, a novice driver between the ages of 16 and 21 will have a maximum FAC, unlike a car enthusiast who is over 59 and has been driving for more than 14 years.
Number of drivers
Indicator of the number of drivers. It means that if the contract has an unlimited number of admitted people, then the system will apply a coefficient of 1.87. In this case, the age and experience of drivers will not matter at all.
When insuring with a certain number of people, the indicator will be calculated taking into account the data of each driver.
Insurance period
The cost of insurance increases as the period of use of the car increases. If you are going to use the car only for a few months a year, then the coefficient will be reducing.
Gross violations by the insured person
This means that if you violated a previous MTPL agreement, your insurance may increase by 1.5 times.
KBM
It is calculated for each driver individually, taking into account accident-free driving over the past period.
From April 1, 2021, the coefficient is determined once a year and is valid until the end of the term (from April 1 to March 31). The KBM is entered into the general database of insurance companies and does not change when choosing another organization for issuing policies.
Online damage assessment
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Road accident Step by step
Got into an accident?
Are you not satisfied with the insurance compensation paid by the insurance company?
Do you want to know how much you were deceived for just 500 rubles?
From January 1, 2013 we provide a new service - online damage assessment!!!
We can calculate the amount of damage that you really SHOULD be compensated for! You can get results without leaving home!
To do this you need to do the following:
1) Send us a scan or photograph by email : - copies of the inspection report drawn up by the insurance company; — receipts for payment for our services with a bank mark indicating payment, or payment information (if payment was made electronically). All payment options can be found here.; 2) In response, we will send to your email a calculation of the cost of car repairs without taking into account wear and tear and taking into account wear and tear. Application deadline is 1 day.
Next, based on our preliminary calculation, you can decide whether you need to continue to “fight” with the insurance company and whether the gamble is worth the candle.
If yes, then you can order an independent examination, which you can use when going to court.
In this case, the cost of services for preliminary calculation will be included in the cost of the full report. In addition, you can order the services of a lawyer.
Many people know that insurance companies underestimate payments and at the same time prefer to leave everything unchanged. By doing this you leave evil unpunished. Be sure to go to court. As practice shows, the truth is on our side in 99% of cases. At the same time, there have been cases when our calculation differs from the calculation of the insurance company by 8 times!!! This is true! There are specific examples. It is not entirely clear what the companies are guided by and what they are counting on. The examination, in the overwhelming majority of cases, shows that the understatements are not justified.
Contact us, we will help you and advise you on any questions, even if you do not use our services!!!
Cost of services for assessing damage from road accidents online...
The cost depends on the degree of damage to the car (the number of parts indicated in the inspection report):
| Light* | Average* | Heavy* | |
| Cost of services for assessing damage from road accidents online: | 500 rub. | 1000 rub. | 1500 rub. |
* Damage level: light - up to 5 damaged parts; average - from 6 to 20 damaged parts or with the presence of 1 to 3 distortions of the opening; complex - over 20 damaged parts or the presence of more than 3 distortions of the openings.
How to calculate the cost of compulsory motor liability insurance for a trailer for a passenger car for an individual
To calculate the cost of an MTPL policy, the presence or absence of a trailer must be indicated on the PCA page. But in what specific cases is it necessary to draw up a separate agreement? How does a trailer affect the price of insurance?
According to the traffic rules, a trailer intended for trucks is subject to compulsory insurance, regardless of whether the owner is an individual or a legal entity.
Organizations are required to register a trailer hitch for all types of vehicles.
But as for individuals using a trailer for passenger cars, there is no need to draw up an insurance contract. But this is only if the vehicle weight is less than 750 kg. And the total weight with the trailer is no more than 3500 kg.
An insurance contract for a trailer does not need to be drawn up for private individuals only on the territory of the Russian Federation. A policy will be required if you plan to travel outside the country.
What is the “Unified spare parts directory”
Depending on which service station the injured party chooses to restore his car (private workshop or
official dealers), the final cost of new accessories and the repair itself will differ significantly. To avoid problems with calculations during an independent examination, the Russian Union of Auto Insurers offers drivers to use a single catalog with a fixed price for spare parts for all existing car models. We’ll find out how to search for spare parts using the RSA database for OSAGO a little later.
How to work with it
By accessing the official website with a parts directory, the car enthusiast is automatically taken to a special form where he is asked to fill out the following fields:
- The region in which the vehicle is being repaired. Each region of the Russian Federation has its own economic policy, so the front bumper, radiator grille or headlight for the same car in Moscow and Rostov can cost completely differently;
- Make of the car that was damaged. The RSA database contains several hundred names of domestic and foreign cars, such as: KAMAZ, VAZ, Renault, Citroen, BMW, Mercedes, Toyota, etc.;
- Factory serial number of the damaged spare part. This code, consisting of 10 letters and numbers, can be found exclusively at the dealership or on the online resources of the corresponding car dealerships. Using the entered code, the PCA system will independently determine what part needs to be replaced, and what car model it should fit (Solaris, Vito, Logan, etc.).
After filling out the above fields, the car owner will receive detailed information about prices for insurance spare parts according to RCA. But how realistic are the figures provided, and whether it is possible to use them to make a full calculation of the cost of repairing a vehicle, we will find out further.
What does “The cost is calculated taking into account the maximum allowable insurance premium” mean?
The law of the Russian Federation regarding compulsory motor liability insurance also establishes the maximum possible policy level. It cannot be higher than three times the base rate multiplied by the place of residence. In case of violation of the terms of the previous policy, the maximum cost is determined by five times the tariff multiplied by CT.
When you see a phrase on your screen about the maximum allowable cost, it means that it was even higher, but in accordance with the rules, the calculator reduced it to the maximum allowable values.
