If you choose CASCO for a taxi: where to insure, what documents are needed and why are they refusing to pay?

What does the law say?

Officially, compulsory motor liability insurance became part of the lives of drivers on April 1, 2003, along with the entry into force of the Federal Law on Compulsory Motor Insurance No. 40-FZ of April 25, 2002. It describes the principles and basics of financial protection for drivers. Additionally, the relationship is regulated by Article 12.3 of the Code of Administrative Offenses, which contains information on punishment for failure to comply with requirements.

When applying for a taxi policy, the relevant information must be indicated in the checkbox.

In the event of an accident, a policy without such a mark will not be valid if the fact of transporting passengers is proven. This means that the driver will pay for the restoration of someone else’s car from his own funds.

Sanctions for lack of insurance

If the driver cannot provide the inspector with a complete package of documents during inspection, the punishment will be expressed in the form of a fine of 500 rubles .
The law covers both the need to have a driver’s license and other documents, including an MTPL policy. Lack of insurance as such leads to a fine of 800 rubles .

However, a fine for not having a policy is not the worst thing that can happen. It will be much more difficult to demand compensation for damage in the event of an accident.

The insurance company has the right to refuse payment if the use of the car as a taxi is proven.

What do taxis pay under the insurance certificate?

All monetary relations under insurance can be displayed according to the following scheme:

1. The damage caused to health and life in 2021 is estimated at up to 500 thousand rubles.
2. The damage caused to the property of one or more of the victims is estimated at up to 400 thousand rubles.
3. If damage is caused to the victim's car, compensation of up to 50 thousand rubles is paid.
4. In case of death of participants in an accident, the amount of payments will be up to 50 thousand rubles, depending on the situation.
5. If there is damage at the time of the accident, and a European protocol is drawn up, then you will have to pay up to 50 thousand rubles.
6. If both drivers are found to be at fault, then the calculation is made for 50% of the total amount of damage.
7. When several cars are damaged in an accident, all owners will receive payments.

Taxi insurance options

Private passenger carriers appear on the roads more often than other road users, which means they are more susceptible to the risk of getting into an accident. In this regard, obtaining compulsory motor liability insurance for a taxi can be difficult, since not all insurance companies are ready to take on additional risks.

The difference between taking out a policy for a taxi and other types of transport lies in the cost of the policy.

When concluding a contract, two options are available:

• No limit on the number of drivers;
• With a limited list of participants.

Increasing the number of drivers allowed to drive a car will increase the cost of insurance.
This is because insurance companies cannot evaluate a potential driver's experience. Like other road users, a taxi can be issued not only a standard policy, but also an electronic one.
To apply, you do not need to come to the office of the insurance company - the cost calculation and payment takes place on the website.

How to use the calculator

If you want to know the cost of insurance, then you must first use a calculator. The calculator contains certain fields that must be filled in for the calculation.

Filling in vehicle data

In order to use the calculator, you need to go to the official website, select the product you are interested in - “Electronic MTPL” and click “MTPL Calculator”. The cost of the insurance policy is primarily determined based on the vehicle data, so you need to provide the following information:

• vehicle category – cars, trucks, etc.;
• car type;
• car model;
• model;
• year of issue;
• purpose of use – for rent/taxi or for personal use;
• government number;
• vehicle identifier.

If at least one of the points is missed or filled out incorrectly, the cost payable under the insurance policy will be calculated incorrectly.

Selecting insurance conditions

After you correctly fill out all the specified fields, you will need to click “Next” and proceed to selecting insurance conditions. At the second stage, you set the date when you need to issue or renew the policy, indicate the registration address of the owner, the number of people who will use this vehicle and their personal data. Then you just have to click “Calculate”.

Cost of MTPL for taxi

The basic indicators for taxis used in the calculation are defined in the range from 5,138 rubles to 6,166 rubles , which is 1.5 times more than standard tariffs. This parameter is multiplied by additional coefficients, which significantly increases the final cost of the policy, especially when the restriction on the number of persons allowed to manage it is lifted.

What does it depend on?

The personal parameters of the driver taken to calculate the price of the MTPL policy include:

• Driving experience;
• Number of days without accidents;
• Status of the insured person.

The better the driver’s insurance history, the cheaper the policy will be.

When the limit on the number of drivers is lifted, insurance companies increase the cost of the policy in an attempt to compensate for the potential risk.

An additional criterion is the determination of the region where the policy is issued or the so-called CT. Its importance in each region depends on the degree of road congestion, infrastructure development and other factors. For example, the value of this parameter in Moscow is 2.0.

How to calculate the cost?

The final cost of the policy depends on the additional coefficients by which the main indicator is multiplied.
The basic formula looks like this: T=TB*KT*KBM*KVS*KO*KM*KS*KN , where

TB is the basic tariff;

CT – territorial coefficient, from 0.6 to 2.0;

KBM – bonus-malus or accident-free driving parameter;

KVS – driver’s age;

KO – restriction on the number of persons allowed to drive a car;

KM – coefficient used for calculation of engine power;

KS – indicator of insurance seasonality;

KN is an individual parameter for violations of traffic rules.

If the limit on the number of drivers is lifted, increased coefficients will be used due to the impossibility of determining exact values.

The most common way to determine the cost of a policy is to use a calculator installed on the insurer's website. However, if not all values ​​are known, the result will be approximate. To get an accurate calculation, you need to contact the insurance company branch.

How can you save money?

A common way to save on an MTPL policy is to limit the number of people allowed to drive a car.
It is easier for an insurance company to determine the likelihood of an insured event if information about the driver’s experience and skills is known. Savings even for a taxi can be up to 1.5 times compared to multi.

You can reduce the price of insurance by determining the time period when the car will be used. If working in a taxi involves seasonality, then it is reasonable to reduce the time during which the car will be insured.

How much does the policy cost?

Every driver is concerned about the price of MTPL insurance for a taxi. To determine the cost, you can use one of the two proposed methods.

Calculation options:

Application of the formula. To facilitate

procedure, you should download the manual, which indicates the main coefficients and indicators. You can use this method only if you know the exact cost of the vehicle and a number of other criteria that influence price formation.

Using a calculator. To calculate the cost of compulsory motor liability insurance, you can use an online program in which the formula is already included. You only need to enter the requested information about the vehicle, after which the amount will be determined.

Tariffs of large insurance companies

The price of OSAGO is approved by the company. The driver has the opportunity to choose the size of the base rates independently.

It is important to know! The cost of MTPL and CASCO insurance depends on numerous factors. The final price is calculated based on the age and condition of the car, the city of registration, the driver’s experience, the presence of restrictions and the number of accidents. To eliminate errors in calculations, you should contact a company employee directly, who will be able to determine the exact price.

Where can I insure MTPL for a taxi?

You can obtain an auto liability policy by ordering on the insurance company’s website or by visiting the office in person. However, not all organizations are ready to issue compulsory motor liability insurance for taxis.

Fraudsters take advantage of this by passing off their offices as additional points of sale for official insurance companies.

How to choose an insurer?

Before visiting an office or applying for a policy online, you should research the reputation of the insurance company. Reviews from real drivers who have used the services will help with this. What matters is how payments are made and how often there are refusals.

Don't expect additional discounts from companies. On the contrary, according to reviews from experienced drivers, when applying for compulsory motor liability insurance for a taxi, the driver is required to include additional services, for example, protection of health and life. Such a requirement is illegal, but it is rare to prove the fact of coercion to purchase third-party products.

How to avoid scammers?

With the advent of the possibility of issuing an electronic MTPL policy, there are more and more sites on the Internet masquerading as the official pages of insurers.
Outwardly, they are practically no different from insurance company application forms, but the recipients of the transferred funds are scammers. To avoid becoming a victim of deception, it is recommended to carefully study the link to the registration page. It must not contain errors or typos in the name of the insurance company. The price of the policy may also be cause for concern if, when calculated, it is much lower than the regional average.

If registration takes place through an unfamiliar insurance company, it is recommended to check the organization’s details and the validity of the license to engage in insurance services before paying.

Step-by-step actions and required documents

Data in the MTPL policy is entered on the basis of documents provided by the owner of the vehicle, namely:

• Passports of a citizen of the Russian Federation;
• Vehicle registration certificate;
• PTS indicating the title of issue and the name of the owner;
• Information about the driver's license numbers of all registered drivers.

For legal entities, you additionally need to have constituent documents.

If registration takes place through an intermediary, then you need to prepare a power of attorney.

Stages of insurance

In terms of the order of actions performed, issuing an MTPL policy does not differ from the standard procedure. The owner of the car submits an application through the website, receives a cost estimate and makes payment.

Application

You can submit your application during a personal visit to the office. To save time, it is recommended to discuss details over the phone in advance. Contact details and addresses of sales points are listed on the insurance company’s website. You can also leave a request remotely there.

Final settlement

After finding out additional information, the insurance company specialist calculates the cost. If additional details were found out during the survey process, the cost may differ from the preliminary calculation on the company’s website.

Registration and receipt

After receiving payment, the document is printed and handed over to the policyholder. Some organizations review applications within a few days.

If the time difference is significant, it is recommended to clarify this issue with a specialist before your visit.

Customer reviews about compulsory motor liability insurance at AlfaStrakhovanie

Having studied the reviews, it can be noted that vehicle owners leave both positive and negative ones.

As for positive opinions, drivers are pleased with the possibility of remote registration and the lack of additional services.

Negative reviews include the inability to make additions to the electronic policy through your personal account and report a loss. To do this, you should contact the office and spend your personal time.

See all reviews on the portal: banki.ru/insurance-company/alfastrahovanie-product/osago .

To summarize, we can say that we are a large financial organization that offers drivers to use the remote compulsory insurance service. Anyone can buy compulsory motor insurance, regardless of their area of ​​residence.

To purchase a contract, you will need to make a calculation and provide the necessary data. Payment is available from a bank card of any Russian bank or through the Alfa-Click Internet bank.

Possible problems and nuances

Not every insurance company is ready to issue an MTPL policy for a taxi due to increased risks. If you do not clarify this parameter at the very beginning, you can spend too much time at the information gathering stage.

When completing documents via the Internet, there is a high probability of becoming a victim of fraud. The essence of the deception is that the scammers make a website no different from the page of an insurance company. The details include extraneous bank information, and upon payment, the money will be sent to the criminals’ account.

Maximum payouts

Victims in a traffic situation can receive either the entire amount or some part. There are many reasons. After an accident, the car is sent for examination, where the damage is assessed taking into account wear and tear. It is better to seek payment of damages before trial. The victim will have to pay for the independent examination.

If a written claim was submitted to the insurance company, and there was no response within 10 days, then there is only one way out - filing a statement of claim in court.

FAQ

Why is the MTPL policy for taxis more expensive than usual? – Cars used in taxis more often than others end up in insurance situations, which means they are considered objects with an increased risk.
By raising prices, insurance companies try to compensate for future expenses. What happens if you don’t indicate the scope of “Taxi” activity when applying for a policy? – If an insured event occurs, the company may refuse to pay if the fact of using the car as a taxi is proven.

What is the penalty for not having a compulsory motor liability insurance policy? – The Code of Administrative Offenses provides for a fine of 800 rubles. Repeated violations may result in confiscation of your driver's license.

Some questions about insurance

But what if the amount of compulsory motor liability insurance is less than the damage?

It often happens that car repair work costs more than payments. But the payment company has a different motivation for this issue. Therefore, the company’s usual practice is partial payments. For this purpose, there is an independent assessment of the damaged car. But the expert is paid at the expense of the injured person. All the little things that happened during the incident will be taken into account. An independent examination is agreed upon by the victim, the insurance company and the traffic police. Then a letter satisfying all the nuances is sent to the company. If after 10 days there is no response, the victim is sent to the court with a statement. The insurance company will then pay the entire amount of damage, costs for the court and lawyer, expenses for an examination and a tow truck. But these actions are possible if the limit is less than 400 thousand rubles.

How to get payments if you had to take sick leave during an accident?

Under OSAGO-taxi you can receive compensation for harm to health. To establish the degree of severity, a medical and forensic examination is needed. If there is a victim in an accident, then you can count on compensation of up to 180 thousand rubles. In case of a mass accident, payments increase to 240 thousand rubles. If the amounts are significant, then compensation payments are recovered from the culprit through compulsory motor liability insurance. Compensation is summed up when the damage to the victims is localized.

What benefits will there be for disability?

If the examination establishes the infliction of injuries up to disability, then an additional payment is due to the basic amount:

• For the first group of disability or if the child is disabled, then payments will amount to 500 thousand rubles.
• For the second group – 350 thousand rubles.
• With the third, the payment amount will be 250 thousand rubles.

What kind of payments are above the standards?

If the treatment of the victim exceeds the required payments, then the additional payment will be as follows: the difference between the payment made and the cost of treatment. The following will be reimbursed:

• Purchasing medicines
• Prostheses
• Care
• Rehabilitation
• Sanatorium treatment

Payments to the victim are due upon presentation of the relevant documents.

Will there be payments to compensate for lost earnings under compulsory motor liability insurance?

They will, if the amount is exceeded, the victim will receive the difference. Documentation confirming this fact will be required for payments. It must be said right away that these payments can be obtained in court. Accordingly, you will have to seek the help of a lawyer.

Will OSAGO be able to cover the damage in the parking lot?

An accident in a parking lot also refers to an accident; it is investigated by the traffic police, which means it is an insured event. The actions in a parking lot are similar to those in a traffic accident. Payments are due, however, insurers are expanding the list of requirements:

• The driver has MTPL insurance in force.
• There are more than two vehicles involved in the accident.
• If the guilty party is identified, the affected participants will remain with payments.
• Damage to a car is not the owner's fault.

What to do in case of an accident in a parking lot?

The owner of a damaged car should act as follows:

Do not touch or move car parts damaged during an accident.

Turn on the alarm, place an emergency sign 15 meters from the accident.

For the injured, call an ambulance and, if necessary, provide first aid yourself.

Take video and photos of the emergency and damage.

Report the incident to the traffic police.

Make a call to the insurance company, stating the place and time of the accident, describe the remaining details.

Let's sum it up

Driver liability protection is a prerequisite for using a vehicle, including as a taxi. The policy must contain a note about the use of the vehicle in passenger transportation. Without it, the insurance company has the right to refuse payment, which means the driver must compensate the victim for repair costs from his own funds.

Taxi is a high-risk mode of transport. Because of this, the cost of an MTPL policy is higher than when applying for a regular passenger car. In addition, not all companies are ready to enter into an insurance contract, which makes it difficult to find a suitable insurer.

Before submitting an application, it is recommended to study the experience of local insurance companies and collect feedback from real clients. Once an insurer is selected, the owner must submit a claim and pay the premium. Registration of documents takes from 20 minutes.

Difficulties in registration

Every taxi driver may encounter problems when purchasing compulsory motor insurance. Therefore, you should first familiarize yourself with the list of main situations in which you may be denied a policy.

Such cases include:

• Lack of a license to transport passengers;
• Vehicle malfunctions identified during inspection;
• Serious traffic violations in the past;
• Medical contraindications;
• Incorrectly completed application;
• Lack of certain documents.

There are other reasons for which the insurance company refuses registration. However, most controversial cases can be resolved by knowing the legal framework.

Documents for registration of compulsory motor liability insurance

To apply for an insurance policy for a taxi, the car owner will need to provide the insurance company with the following documents:

• passport;
• constituent document (for a legal entity);
• certificate of state registration (for a legal entity);
• statement;
• diagnostic card;
• car passport (PTS);
• driver's license of each driver who will operate a vehicle to transport passenger traffic.