Insurance of legal entities and its features in Russia

Auto liability insurance is a mandatory action not only for individuals. Compulsory motor liability insurance for legal entities (LE) is also a document required for registration. This rule is established in Law No. 40 - Federal Law, and non-compliance is punishable by fines. Let's figure out how to get car insurance for legal entities and what you need for this.

Registration of compulsory motor liability insurance for legal entities

What does having an MTPL policy provide for legal entities:

• Uninterrupted operation of the company's fleet
• No expenses such as paying fines for not having a compulsory motor liability insurance policy
• In the event of an insured event, financial expenses, within the framework of the MTPL agreement, will be paid by the insurance company
• If an organization complies with the norms of current legislation, then this raises the company’s rating, increases the company’s development potential and the number of partners willing to interact and cooperate with such an organization, and as a result, leads to an increase in the company’s profits.

Discounts on KBM for legal entities. persons

A distinctive feature of MTPL for legal entities is the possibility of obtaining only unlimited insurance. In other words, in OSAGO for legal entities. persons cannot be included in certain drivers allowed to drive a vehicle. What then about KBM?

For legal entities persons, the CBM is established based on the number of insured events involving the insured vehicle, which are reflected in the RSA database. KBM can be considered the only coefficient due to which it is possible to reduce the cost of insurance for legal entities.

The advantage of working with us for legal entities

Nowadays, the most important requirements from clients are clarity, efficiency, and quality of services provided. The specialists of our company possess all these qualities. When issuing an MTPL policy for legal entities, our company works directly with insurance companies. That is, the legal entity that is the owner of the vehicle transfers the insurance premium for the MTPL policy directly to the insurance company’s bank account.

When paying for an MTPL policy for legal entities, both now and in 2021, it will be possible to pay both in cash and by bank transfer to the insurance company itself. That is, the organization that owns the insured vehicle chooses the type of payment for the insurance premium for the MTPL policy. Services for issuing an MTPL policy are provided for vehicles of all categories and for all regions of the Russian Federation. Our company insures vehicles of all categories: A, B, C, D, special equipment, regardless of the place of registration of the organization's legal address.

All issued MTPL policies are official. Our company issues MTPL policies that are registered in the RSA database (RSA-Russian Union of Auto Insurers).

Basic MTPL tariffs for legal entities 2021

Legal entities have their own basic tariffs for MTPL policies, which are determined by the central bank. The tables below show the current tariffs for leading insurance companies.

Calculation of the cost of compulsory motor liability insurance for legal entities

If you don’t know how much insurance for your car will cost, and the car is registered to a legal entity, then our calculator will help you correctly calculate the cost of the policy.

Calculation for all insurance

Enter the data once and calculate the cost of the MTPL policy for all top insurance companies.

Base rates

Always up-to-date base rates for all insurance companies, for all types of owner.

Online OSAGO

You can quickly apply for an MTPL policy online through our platform. Guarantee of official registration of the policy.

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When calculating the cost of a policy for legal entities, base rates are used - this is what the calculation of the policy begins from. All coefficients of the legal entity are multiplied by the base rate. Below is a list of basic rates that apply to legal entities when taking out a compulsory motor liability insurance policy.

KBM discount for legal entities

The main condition for obtaining an MTPL policy for legal entities is insurance without restrictions. Drivers authorized to drive the insured vehicle are not included in the MTPL policy for legal entities. KBM is the bonus-malus coefficient, which is responsible for accident-free driving. For legal entities, the value of the KBM is determined by the number of insured events registered in the RSA database on the insured vehicle. KBM is the only coefficient from the value of which the cost of a compulsory motor liability insurance policy for a legal entity can be reduced (in the case of accident-free use of the vehicle).

OSAGO: documents for legal entities

Rice. 1 Documents: OSAGO for legal entities

To obtain an MTPL policy for legal entities, the following documents are required:

• 1. Certificate of registration of a legal entity
• 2. Card for recording basic information about the organization (contains basic information about the organization)
• 3. Certificate of registration with the tax authorities of a legal entity
• 4. STS (vehicle registration certificate) or PTS (vehicle passport) for the vehicle
• 5. Diagnostic vehicle inspection card contained in the EAISTO RSA database: EAISTO - Unified Automated Information System for Technical Inspection; RSA – Russian Union of Auto Insurers
• 6. The MTPL policy for legal entities is issued for an unlimited number of persons admitted to transport management. The organization itself decides which employee will be allowed to drive a truck. It is only necessary for an employee authorized to drive a vehicle to have not only a driver’s license, but also the corresponding category in the driver’s license.
• 7. When applying for a compulsory motor liability insurance policy for a legal entity, the presence of a trailer on the vehicle must be specified. The presence of a cargo trailer increases the cost of the MTPL policy by 25%. Separate MTPL for a cargo trailer is not issued.

Order and subtleties of design

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What else to read:

• My car was scratched in the yard, what should I do?
• Europrotocol 2021
• How to get money instead of repairs under compulsory motor liability insurance: a detailed review

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In standard situations, the contract must be drawn up by the director of the company or an authorized person. There are a number of exceptions when insurance for corporate transport can be purchased by an individual. This is practiced in the following situations:

• when transferring a car for personal use to a company employee;
• the company is quite small or commercial, which makes obtaining insurance for a legal entity irrational;
• when expense documents used by accounting are not required.

If the director does not want or does not have the opportunity to personally issue an insurance policy, then the authority can be delegated to a trustee. To do this, a power of attorney is drawn up in free form, which indicates:

• Full name of the employee to whom the authority to issue the policy is transferred, his passport details;
• full name of the company;
• Full name of the director;
• the scope of powers vested in the trustee;
• company stamp of the enterprise and signature of the manager.

With this document, an authorized employee is allowed to enter into an agreement under MTPL for the company’s TC. The following documents will be required for compulsory motor liability insurance for legal entities:

• vehicle technical passport or registration certificate;
• previously issued insurance policy (if available);
• diagnostic technical inspection card, and if the car is completely new, then it is allowed not to provide it for 3 years from the date of purchase;
• details of the legal entity (TIN, registration certificate, etc.).

A list of all vehicles for which insurance is required must be prepared. Be prepared that the insurer may come to the place where the vehicles are kept for a visual inspection before issuing a policy. If everything is in order with the documentation, then an agreement is drawn up and an invoice is issued to pay for the policy. The company receives a valid document only after payment.

Customers can pay the bill in cash or by bank transfer. If cash is used, the policyholder will be the person who, according to the documents, took the money from the accounting department. Confirmation of payment will be a payment order. You need to make a copy of this paper and come with it to the Investigative Committee office.

The application for obtaining an insurance policy is similar to that for individuals. The director of the company or authorized representative should indicate the details of the company in the owner column, and not his personal data. Applications can be made online. Some insurance companies fill out everything themselves for an additional fee or for VIP clients. This is relevant when the company has a fleet of tens or hundreds of machines.

Difficulties in obtaining insurance for legal entities

Rice. 2 OSAGO legal entity

Difficulties in obtaining insurance by a legal entity arise when insuring vehicles of category C, D, since trucks and buses often become involved in road accidents, and compensation payments for damage are actually unprofitable. It is also possible for an insurance company to encounter a situation where, before issuing an MTPL policy, a car is sent for additional inspection to a special inspection platform located in the far Moscow region, and even a new vehicle that has just left the showroom is subject to inspection. At the same time, voluntary compulsory insurance of 10,000 rubles is not excluded. to the issued MTPL policy.

As we mentioned above, clarity and efficiency are very important for legal entities when arranging services, since downtime associated with long-term registration or re-issuance of documents is expensive for any organization.

Also in this section, we would like to note that in 2021, companies that provide per-minute car rental services (car sharing) have gained momentum very quickly. Since the service itself involves the provision of a car for money, the amount of which depends on the driving time, we can immediately conclude that the accident rate of such vehicles is very high. In this regard, many insurance companies refuse to provide MTPL policies for legal entities engaged in this business, which cannot be said about our company, where you can always take out a MTPL policy, regardless of the type of activity of your company.

Our company offers insurance to legal entities on the same day of application and in the shortest possible time. It is also possible to obtain insurance online, that is, authorized representatives of the company via Internet communications can send copies of the documents necessary for issuing an MTPL insurance policy to a legal entity, and our company’s courier service will deliver MTPL insurance to a legal entity at any convenient time and place established in advance agreements.

Calculation of compulsory motor liability insurance for legal entities

Today, it is very simple to calculate compulsory motor liability insurance for legal entities; you just need to use a special calculator, which is available on the main page of RSA. This organization ensures that insurance companies correctly draw up contracts and correctly use basic rates.

You can calculate the cost of an MTPL contract yourself if you use the current tariffs correctly. To calculate, use a simple formula:

Insurance premium = BT*KT*KMB*KO*KM*KPr, where

• BT - basic tariff;
• CT is an indicator determined based on the registration of the car owner;
• KMB - discount;
• KO – driver’s experience and age;
• KM – car power (applies only to passenger cars);
• KPR (used for trucks with trailers).

Note! The amount of the discount can be found on the official website of the insurance company with which the contract was concluded. The size of the discount bonus is usually indicated in the “special notes” of the contract.

If information about the discount is not on the website and in the policy, then you can send a request to RSA and receive a response to your request within a few minutes.

Important! The availability of a discount is not determined by the vehicle driver’s experience, but by years of accident-free driving.

The minimum period of compulsory motor liability insurance for legal entities is 1 year. If no accidents occurred during this year and no MTPL payments were made to legal entities, then a discount will be awarded upon subsequent registration of the policy.

Types of insurance for legal entities

Rice. 3 Types of insurance for legal entities

In accordance with current legislation, an MTPL policy for legal entities is issued for an unlimited number of drivers, that is, without restrictions. This norm is determined by the specifics of intensive use of a vehicle in an organization and the need for interchangeability of drivers. Thus, the organization itself decides who will be allowed to drive the vehicle. Here you need to pay attention to ensure that the employee not only has a valid driver’s license, but also the category indicated on the driver’s license corresponds to the category of the vehicle being driven. Moreover, when an insured event occurs, it is checked whether the driver in whose participation the accident occurred is officially employed by the organization.

The MTPL policy can be issued both on paper and in electronic form. There are no fundamental differences in what medium the OSAGO policy is issued on. Both policies are in the RSA database and have the same legal force.

Electronic MTPL for legal entities

In accordance with the global trend of transferring all services into electronic form, MTPL policies for legal entities are also issued electronically. At the same time, by issuing an electronic MTPL policy to the driver, the organization does not have to worry, as before, that the MTPL policy may be lost, since the electronic MTPL form can be printed as many times as desired, and if lost, there is no need to go to the insurance company to restore it . A special feature of issuing an MTPL policy for legal entities is the certification of the application for issuing a policy with an Electronic Digital Signature (EDS). The MTPL policy itself is signed with the digital signature of the head of the legal entity.

Which one to choose: electronic or paper?

Each vehicle owner makes his own decision. The main difference is that the OSAGO policy on paper is issued in a single copy with all degrees of protection, including holographic protection. An electronic MTPL policy for legal entities is issued with a mandatory electronic digital signature on the part of the legal entity. Our company issues compulsory motor liability insurance policies for legal entities on paper, but, taking into account the client’s wishes, also issues compulsory motor liability insurance policies in electronic form.

How much more expensive is MTPL insurance for a legal entity?

The calculation of the cost of an MTPL policy consists of the base rate and the coefficients applied to the base rate. The base rate for a legal entity is lower than the base rate for individuals and individual entrepreneurs. However, an MTPL policy for legal entities is always issued without restrictions, i.e. Any driver who has a valid driver's license of the appropriate category can be allowed to drive a vehicle. Therefore, the coefficient used to calculate the MTPL policy for a legal entity is taken at the maximum value. Accident rates are considered not by drivers, but by the number of accidents registered on a vehicle. Under such conditions, a compulsory motor liability insurance policy for a legal entity is at a cost higher than the cost of a compulsory motor liability insurance policy for individuals.

You can compare the cost of an MTPL policy for an individual and a legal entity using the example of a car - Hyundai Solaris, this is one of the most common cars now; for definiteness, we will assume that the owner of the car is registered in Moscow and has a CBM (discount) equal to 1.

Individual

From 8237 to 9883 rubles.

Entity

From 11115 to 13336 rubles.
We see that despite the fact that for legal entities the base rate is lower, however, due to the fact that insurance is unlimited, it is still about one and a half times more expensive. This is a common situation for legal entities. In general, this is logical, since if the car is registered to a legal entity, then any employee of the company can drive it, so it is necessary that all risks are taken into account in the price.

Is it possible to write out limited insurance for a legal entity?

In accordance with current legislation, taking into account the specifics of the activities of organizations, insurance is always issued for an unlimited number of drivers. This is convenient for both the organization and the insurance company. In practice, there is always staff turnover, so the number of specific drivers indicated in the MTPL policy for a vehicle is impractical for both the legal entity that owns the car and the insurance company. Thus, it is impossible to issue limited insurance to a legal entity.

Electronic policy

Companies also have the option to issue a policy online. To do this, it is necessary for the policyholder's representative to register on the website of the selected insurance company. Having gained access to your personal account, you will see the option to choose: buy a policy as a legal entity or as an individual. You need to check the box next to the correct answer.

Instructions for purchasing a policy online:

1. Authorization on the site.
2. Selecting status (legal entity).
3. Filling out an online application and calculating the MTPL tariff (in your personal account).
4. Receive an electronic signature code by phone or email.
5. Enter the code into the form provided in your account.
6. Verification of documents by the insurer and data in RSA (uploading scans in your personal account).
7. Publication of inspection results in your account.
8. Payment for e-MTPL policy on the website.
9. Receive an insurance form by mail and in your personal account.
10. Printing out the policy.

In the online calculator you will need to enter data about the region of registration of the owner, make, model of vehicle, engine power, and the start date of the insurance policy. The number of drivers, as well as the owner’s details, must be indicated.

Corporate e-OSAGO, printed on a printer, has the same force as paper insurance on a strict reporting form.

DPS check authenticity on the RSA website and in other databases. You can take out insurance for a period of at least six months (you can find out more about the terms of compulsory motor liability insurance here). You can pay for the entire MTPL agreement with one payment using a bank card, and on many sites also with electronic currency.

Important questions

Fine for lack of compulsory motor liability insurance for legal entities

The absence of a compulsory motor liability insurance policy for a vehicle owned by a legal entity entails a fine. The amount of the fine is established by Article 12.37 of the Code of the Russian Federation on Administrative Offenses. Clause 1 of Article 12.37 (driving a vehicle by a driver not included in the MTPL policy) provides for a fine of 500 rubles. Clause 2 of Article 12.37 (lack of compulsory motor liability insurance policy) provides for a fine of 800 rubles. Considering that an MTPL policy for legal entities is always issued for an unlimited number of drivers, for legal entities a fine is possible for the lack of an MTPL policy in the amount of 800 rubles. Here we must not forget that if the MTPL policy is issued in electronic form, then the absence of its image on paper does not entail the imposition of a fine. A traffic police officer can see its presence on a specific vehicle in the RSA database.

Registration of an MTPL policy by power of attorney (legal entity)

An MTPL policy for a vehicle owned by a legal entity is issued on the basis of a power of attorney. A power of attorney is a document that describes the powers transferred from the principal to the authorized person. All actions permitted to the authorized person, his powers (concluding an insurance contract, making changes to the MTPL policy, receiving insurance payment in the event of an insured event, representing the interests of the principal in court) must be specified in the power of attorney. Otherwise, the power of attorney cannot be used. The authorized person must be over 18 years old and have a passport, the details of which are indicated in the power of attorney. On the part of the legal entity, the registration data of the organization and data on the vehicle subject to car insurance are entered. The validity period of the power of attorney is indicated. If the validity period of the power of attorney is not specified, then 1 year is automatically accepted. The power of attorney is certified by signatures and seals, or, if necessary, executed by a notary.

Payments under MTPL to legal entities

In order to receive payments under compulsory motor liability insurance, you must not only have a compulsory motor liability insurance policy that is valid at the time of the insured event, but also carry out the entire algorithm of actions correctly: The driver of the vehicle must stop, turn on the hazard warning lights, and do not leave the scene of the accident/accident until arrival of traffic police officers;

Call the insurance company, notify about the occurrence of an insured event (the name of the insurance company and the contact telephone number of the hotline are indicated in the upper left corner), describe the situation and receive recommendations in connection with the occurrence of an insured event and a list of all necessary documents; If there are victims, be sure to call an ambulance;

Call a traffic police officer, draw up a protocol, or if there are no disagreements between the participants in the accident, there are no victims, the damage is up to 100,000 rubles, by agreement of the parties, fill out the accident notification form (“Euro protocol”) in two copies.

Within 5 working days, a representative of a legal entity (with a valid power of attorney) must contact the insurance company with a written application and attaching all the necessary documents for the legal entity, copies of the MTPL policy, documents drawn up by traffic police specialists (notification of an accident, certificate from the traffic police, protocol administrative offense/refusal to initiate an administrative offense) or notification of an accident (European protocol) - if traffic police officers were not involved. On the copy of the application to the insurance company, it is necessary for the insurance company specialists to indicate the incoming number and date of reception. Next, the vehicle is inspected by an expert from the insurance company and issues a conclusion. Within 20 days, the insurance company makes a decision on compensation for damage. The procedure for compensation for damage, including for legal entities, in the event of an insured event has been changed from April 2021. Now funds are received at service stations that have entered into agreements with insurance companies, and the vehicle is repaired directly from the insurance company within the scope of damage approved by the insurance company. The renovation should be completed within a month. The maximum amount insured in 2021 upon the occurrence of an insured event for damage compensation is 400,000 rubles, and for health compensation is 500,000 rubles.

Terms of insurance for legal entities

Our company will issue an MTPL policy to a legal entity on the day of application within an hour, taking into account all the data and discounts established by current legislation and contained in the RSA database. It is advisable to call first and clarify the list of necessary documents, select an insurance company, find out the cost of the MTPL policy for a specific vehicle, and the terms of insurance.

Base rates

The basis for any calculation of the cost of an MTPL policy is the base rate, which is set by each insurance company individually within the limits established by the Bank of Russia, which at the federal level controls the amount of insurance premiums when issuing MTPL policies. For each category of vehicle, its own base rate is approved, which depends on the technical features, design of the vehicle, the possible likelihood of damage caused by the insured vehicle, as well as who owns the vehicle: an individual or a legal entity.

Coefficients for legal entities

The coefficients used when calculating the MTPL policy are uniform throughout the Russian Federation and are mandatory for use by all insurance companies. The Bank of Russia controls this process on the basis of Article 8 of the federal insurance law. The cost of an MTPL policy consists of the base rate for a specific vehicle and the application of coefficients to the base rate. Let's look at the coefficients used for legal entities.

• The vehicle type coefficient is selected according to vehicle categories and operating conditions.
• The coefficient responsible for the presence of a trailer increases the cost of the MTPL policy by 25%, since the trailer is not insured separately. But the inspection of the trailer is carried out separately from the vehicle.
• The power factor is gradated by horsepower: the power can be clarified in the documents for the vehicle: STS or PTS.
• Coefficient specifying the term of the contract: 1 year is indicated here.
• The vehicle use period coefficient determines how many months the vehicle is insured for.
• The KBM coefficient is responsible for trouble-free driving. For legal entities, taking into account that insurance is always provided without restrictions (not tied to specific drivers), the MSC is established based on the presence of an accident involving a specific vehicle. This coefficient is taken from the unified RSA database.
• The region coefficient for legal entities is determined not by the place of specific operation of the vehicle, but by the region where the organization that owns the insured vehicle is legally registered.

Fines

In the absence of a compulsory motor liability insurance policy for legal entities in 2021, a fine will be imposed. Its size is 800 rubles. If a vehicle owned by a legal entity has an issued MTPL policy, but the driver driving a vehicle owned by a legal entity does not have the MTPL policy (the form itself) with him, then the fine is 500 rubles.

Compulsory civil liability insurance for vehicle owners is a civilized way to protect the interests of road users.

The vehicle must be insured regardless of who the owner is: an individual or a legal entity.

The life of those legal entities who neglect to have insurance on their cars will become much more difficult in 2021, as a new type of cameras will be introduced - which record the presence of insurance on cars, so the number of fines may increase significantly.

Insurance payments

If a company driver gets into an accident, he must behave in the same way as an ordinary car owner. His responsibilities include notifying the insurer about the accident, filling out the Notice or calling the traffic police to the scene of the accident. You cannot change the location of the car until a certificate or accident diagram has been drawn up.

When the damage is small, there are no casualties and there is no conflict with another participant, you can file an accident notification and not call the traffic police. In this case, victims of an accident can compensate for damages in the amount of up to 100 thousand rubles.

In case of serious damage, road service employees are always called, who draw up a certificate of the accident and a protocol of administrative violation. The victim submits an application for payment within 5 days along with documents confirming the fact of the accident.

Starting from 2021, the procedure for compensating losses under MTPL has been changed, including for legal entities. Now the lion's share of all payments is transferred to the account of the service station, and is not transferred to the account of the victims of the accident.

Exceptions are only in the event of a complete loss of the car, when it can no longer be restored after repair, or if the accident occurred far outside the city, and there is no service station nearby.

Payments occur after studying all the documents of the victim, preparing an inspection report and a technical expert’s conclusion on the amount of damage. The period for making a decision by the insurer is established by law no more than 20 days.

The costs of restoration repairs are determined using the Unified Methodology, which was developed by the Bank of Russia and is used by all experts and insurers. Restoration repairs cannot last more than a month. If deadlines are delayed, clients can prepare a claim to the insurer and then go to court.

Legal entities may also be interested in other information about MTPL insurance:

• to the tractor;
• on a trailer for a passenger car;
• on a motorcycle.

Features of insurance for legal entities

If a vehicle is registered to an organization, company (legal entity), then according to the legislation of the Russian Federation, the vehicle must be insured by an insurance company accredited by the RSA (Russian Union of Auto Insurers), since the legal entity bears full responsibility for the property it owns. according to statutory obligations. All vehicles owned by the organization must be promptly insured.

There are nuances of insurance for all legal entities:

1. The base rate when calculating the MTPL policy for legal entities differs from the base rate of the MTPL policy for individuals;

2. The minimum period for which a compulsory motor liability insurance policy is issued for legal entities is 6 months;

3. The MTPL policy for legal entities is issued for an unlimited number of persons who have the right to access to drive a vehicle registered in the name of a legal entity. That is, the organization, as a legal entity, after issuing an MTPL policy for a legal entity, itself determines the employees who will have access to driving the vehicle. A prerequisite in this case will be the presence of a valid driver's license for this category of vehicle for those authorized to drive a vehicle.

Thus, each organization must insure the vehicle and allow only persons with a valid driver's license to drive it - this is the area of ​​responsibility of the legal entity. When operating a vehicle owned by a legal entity, the driver driving the vehicle must have a valid MTPL policy. Otherwise, if the driver driving the vehicle does not have an MTPL policy, then when stopped by a traffic police officer, a fine will be issued.

4. When calculating the cost of an MTPL policy, the territorial coefficient for a vehicle owned by a legal entity is taken at the place of registration of the owner - organization, as indicated in the Unified State Register of Legal Entities (USRLE - Unified State Register of Legal Entities).

5. The value of the BBM (bonus-malus) coefficient, i.e. indicator of accident-free driving, when calculating the cost of the MTPL policy, it is applied to each car separately, depending on the history of the car with the legal entity.

We also draw the attention of legal entities insuring vehicles owned by the organization to the fact that the calculation of the MTPL policy is the same for all insurance companies. All parameters involved in calculating the MTPL policy for a legal entity are the same. The difference in the cost of a compulsory motor liability insurance policy among different insurance companies is influenced by the base rate approved by the insurance company for calculating the compulsory motor liability insurance policy for legal entities.

Responsibility for lack of compulsory motor liability insurance

If a legal entity does not have a motor vehicle policy, the same penalties apply as for an ordinary motorist:

• For a driver driving a car without an insurance policy - 500 rubles;
• When transferring control of a car to a person who does not have a driver’s license - 3,000 rubles;
• If the car is used during a period not covered by insurance - 500 rubles;
• In the case of a known absence of a motor vehicle license - 800 rubles.

Published: 11/25/2017

Last update: 03-03-2018

Compulsory motor insurance for legal entities in 2021

So, in the end, let's move on to a more pressing topic regarding compulsory motor insurance for legal entities in 2021. The situation here is as follows. The fact is that the Central Bank has planned innovations that will liberalize the receipt of compulsory motor insurance policies. Simply put, from 2021, the cost of policies will be calculated for each policyholder individually, which is great news for individuals.

Unfortunately, as you and I already know, for legal entities, compulsory motor insurance policies are issued only for an unlimited number of drivers allowed to drive. Therefore, compulsory motor insurance for legal entities in 2021 will not be calculated according to individual coefficients.

However, do not be upset, because there will also be positive changes in the field of compulsory motor insurance for legal entities in 2021. They will be the preservation of KBM after a break in insurance. That is, now, in the case of an accident-free history, a legal entity accumulates a certain KBM, which reduces the cost of the policy. However, in the event of a break in insurance, for example, a year, the KBM will be reset to zero and the entire history will be erased. When calculating the MTPL policy for legal entities in 2021, if a situation arises in which the transport will not be insured for any period of time, the CBM will still be the same.

What are legal entities insured against?

The laws of the Russian Federation allow insuring movable and immovable property, liability, health and life. Most often, the items insured are:

• real estate: offices, industrial facilities or commercial buildings;
• equipment and production facilities;
• materials and raw materials necessary for production;
• goods in warehouse, cargo;
• intangible assets, investments;
• vehicles.

Risks against which organizations are insured:

• fire;
• flooding of the premises;
• explosion;
• illegal action (theft, theft);
• repair work (for transport insurance);
• accident (for employees).

Accounting

When signing a CASCO agreement, its cost is evenly distributed over the entire reporting period, which is usually 12 months.

Article 272 of the Tax Code of the Russian Federation states that funds will be written off in equal shares each reporting month in proportion to the entire period.

In accounting, the costs of obtaining insurance are kept under a separate item, as deferred expenses.

Taking out a CASCO policy for legal entities is not much different from regular insurance. The applicant only needs to choose a reliable insurance company that will meet all his stated requirements and collect the necessary package of documents.

Vehicles used for work purposes are more susceptible to damage. Accordingly, if the company’s finances allow, then it is better to conclude a full CASCO insurance for all possible protection of the car.

As a legal Should a person get compulsory motor third party liability insurance quickly?

We know how important time is for business, so issuing a policy at UOSAGO takes a maximum of 60 minutes. We also take into account all your discounts, which are reflected in the RSA database.

You can always call or write to us to ask any question on the topic of car insurance, clarify the list of documents, decide on an insurer, find out the terms of insurance, as well as the cost of an MTPL policy for a specific vehicle.

Need some advice? Get it for free by simply calling or writing to us! We are ready to answer all your questions to make insurance simple, fast and understandable for you.

Is it possible to issue a limited MTPL for an organization?

The answer is no, the current legislation does not provide for this. In fact, an unlimited policy is convenient not only for the insurer, but also for the insured organization.

If we take into account staff turnover, then with limited legal insurance. the person would have to add each new driver to the policy, which cannot be called a pleasant moment, because it would take quite a lot of time. Plus, don’t forget about the possibility that with frequent changes of personnel, a bad driver may be behind the wheel of the vehicle.

Important! An employee of an organization who is driving a vehicle belonging to the same organization must have a compulsory motor liability insurance policy with him. Otherwise, there is a risk of getting a fine if the car is stopped by traffic police officers.

What documents will be required

To conclude an MTPL contract, legal. persons need the following documents:

• legal registration certificate faces;
• organization card;
• certificate of registration with the tax authority;
• PTS or STS;
• a valid diagnostic card, which is in the EAISTO database.

Another important point is whether the vehicle has a trailer or not. If there is a trailer, then this increases the cost of the policy by 25%. There is no need to take out separate insurance for the trailer.