Which insurers insure motorcycles?

Registration of compulsory motor vehicle liability insurance for a motorcycle

For insurance companies, issuing an MTPL policy for motorcyclists is an unprofitable procedure, so they refuse to issue MTPL for a motorcycle, explaining this by the “lack of forms” and proposals to compulsorily issue so-called additional services. Insurers can also send the vehicle for additional inspection many kilometers from the insurance company’s office. Typically, an accepted application is considered by the insurance company for a month, and a positive result of the review is not guaranteed. The fine for not having an MTPL policy is 800 rubles. But when an insured event occurs involving a motorcycle in the absence of a compulsory motor liability insurance policy, problems arise not only for the owner of the motorcycle or the person authorized to drive the motorcycle, but also for the injured party, since it will be necessary to ask for compensation from the culprits not from the insurance company, but through court, which is an unpleasant, protracted and costly procedure.

Why is motorcycle insurance a problem?

The cost of an MTPL policy depends on the base tariff of the insurance company and the application of coefficients established by RSA (RSA-Russian Union of Insurers). The basic tariff is accepted by the insurance company itself within the framework of tariffs established by law. The basic tariff for motorcycles is from 867 rubles. up to 1579 rub. For comparison, for passenger cars the basic tariff is from 3,432 rubles. up to 4118 rub. Moreover, a motorcycle is a seasonal mode of transport; an MTPL policy for a motorcycle is issued for a period of 3 months, rarely for a year, which also reduces the cost of a MTPL policy for a motorcycle. Thus, initially the cost of an MTPL policy for a motorcycle is much lower than the cost of an MTPL policy for other vehicles. However, a motorcycle is more likely than other vehicles to become involved in an accident. And it turns out that the cost of a compulsory motor liability insurance policy is the lowest, and the likelihood of an insured event occurring, which leads to payment of compensation for damage by the insurance company, is very high. In such a situation, insurance companies refuse to issue a compulsory motor liability insurance policy or offer “conditions” under which the client does not agree to conclude an agreement for motorcycle auto insurance.

Solving the OSAGO problem - Autoplus

Rice. 1 Registration of compulsory motor vehicle liability insurance for a motorcycle

To obtain an MTPL insurance policy for a motorcycle, you can contact our company. Company managers will calculate the cost of an MTPL insurance policy for a motorcycle, taking into account all the coefficients and discounts found in the unified RSA database (RSA-Russian Union of Insurers), help you choose an insurance company, and discuss a convenient way to issue and deliver an MTPL policy. The company's courier service, if necessary, will deliver the completed documents at a time and place convenient for the client. Thus, issuing an MTPL policy for a motorcycle will take a minimum amount of time.

Application for motorcycle insurance

OSAGO for a motorcycle

Online calculation of the cost of compulsory motor insurance for a motorcycle

To calculate the cost of an MTPL policy for a motorcycle, you can use our MTPL calculator. To find out the price of the policy, enter the required data in the fields below, and then click calculate.

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 you can not take out a motor insurance policy for a scooter

The law implies that there are two types of scooters: those with an engine capacity greater than 50 cc and those smaller. The former are usually called mopeds or motorcycles, so they are required to have a compulsory civil liability insurance policy.

It is not required by law to take out an MTPL policy for scooters whose engines do not reach a power of 50 cc.

However, we still advise you to be reinsured, since in the event of a road accident, the damage caused to third parties by a scooter can be very large, and its compensation will become a real problem, while the compulsory motor insurance policy for a scooter, while not very expensive, will be able to cover large losses and protect you from such unpleasant situations.

You can always take out a motor insurance policy for a scooter without any problems. Our specialists will help you do this within one hour. Moreover, we will not impose any additional services on you, but on the contrary, we will select the best offer on the market among top insurance companies.

Documents for registration of compulsory motor vehicle liability insurance for a motorcycle

Rice. 2 Documents for registration of compulsory motor liability insurance - motorcycle

• Motorcycle owner's passport
• STS or PTS (STS-vehicle registration certificate; PTS-vehicle passport)
• Driving license for category “A” of persons allowed to drive a motorcycle (in the event that certain persons are allowed to drive a motorcycle); if insurance for the motorcycle is without restrictions, then a driver’s license is not needed
• A valid Diagnostic card confirming the passage of technical inspection for a motorcycle, contained in the EAISTO RSA database: EAISTO - Unified Automated Information System for Technical Inspection RSA - Russian Union of Motor Insurers.

Types of motorcycle insurance

Currently, an MTPL insurance policy for a motorcycle can be issued in paper form or issued electronically. Both the OSAGO policy on paper and the OSAGO policy in electronic form must be in a single RSA database (RSA – Russian Union of Auto Insurers). Anyone can check the MTPL policy using the MTPL policy number on the official RSA website. The presence of an MTPL policy for a motorcycle in the RSA database confirms

Paper version

An MTPL policy for a motorcycle can be issued on the letterhead of the insurance company. The peculiarity of such a policy is that it is issued in a single copy with degrees of protection, including holographic. The driver must always carry such a policy with him and in case of loss or loss, such a policy can only be restored at the central office of the insurance company.

Electronic MTPL for a motorcycle

An MTPL policy for a motorcycle can also be issued electronically. This MTPL policy can be printed out as many times as you like, and you don’t have to be afraid of losing it. In theory, the principle of its registration is the convenience of registration for the client and the reduction of registration costs for insurance companies. But in real life, not everyone can issue an electronic MTPL policy for a motorcycle on their own, and for insurance companies, converting the MTPL policy into electronic form at the initial stage turned out to be very costly and unprofitable, since MTPL for a motorcycle is itself unprofitable. For example, in the case of a minor accident, the cost of compensation for damage caused by a motorcycle always exceeds the cost of the MTPL policy itself by tens of times.

Is it possible to apply for E-OSAGO for a motorcycle?

The very principle of issuing OSAGO electronically for a vehicle implies the smooth issuance of an E-OSAGO policy for any policyholder on the official website of the selected insurance company. The transfer of compulsory motor liability insurance policy registration into electronic form was introduced in order to optimize the compulsory motor liability insurance registration process, reduce costs and provide convenience for the client. But in practice, issuing an E-MTPL for a motorcycle on the official website of insurance companies is problematic for applicants and is not always possible. The policyholder registers on the official website of the selected insurance company, fills out the proposed interactive application form, attaches scans of the necessary documents, but the insurance company, for its part, does not always issue an E-MTPL for the motorcycle. Either this option is blocked, there are registration “errors”, or the system redirects to the RSA website, or the answer does not come at all.

OSAGO calculator online

An OSAGO policy is a compulsory motor third party liability insurance agreement that will help the car owner financially protect himself in the event of an accident due to his fault.

Compensation will be triggered when civil liability occurs as a result of causing harm to the life, health or property of third parties while driving a car. The maximum limit of liability of the insurer for each case is:

1. for damage to life and health - four hundred thousand rubles;
2. for property damage - five hundred thousand rubles.

In case of an accident with three or more drivers, each victim can claim insurance compensation in the amount of the above limits. It is important to remember that this type of insurance does not cover the costs of restoring the car of the person responsible for the accident. This type of protection is provided by Casco. Insurance can be purchased on paper or electronically.

Federal Law No. 40 establishes a ban on driving a car without a contract. The penalty for failure to comply with this requirement is:

1. if the driver does not have car insurance with him - five hundred rubles;
2. driving during a period not provided for by the contract - five hundred rubles;
3. driving a vehicle by a driver who is not included in the insurance – five hundred rubles;
4. absence of a valid insurance policy for the vehicle – eight hundred rubles.

What do you need to calculate the cost of insurance?

The policy price is calculated using the base rate and additional adjustment factors. This tariff is set by each insurance company at its own discretion within the range approved by the Central Bank. Adjustment factors are also developed and approved by the Central Bank, but, unlike the basic tariff, they are the same for everyone. The parameters that influence the calculation of the cost of insurance include:

1. territory of use of the car or region of registration of the owner of the vehicle;
2. presence/absence of accidents in history;
3. presence/absence of restrictions;
4. the number of complete years and experience of driving a car;
5. number of horsepower;
6. using a vehicle with a trailer;
7. period of operation of the vehicle;
8. contract time.

What documents are needed for registration?

To purchase this type of compensation you may need:

1. identification document of the policyholder;
2. PTS or STS;
3. registration of all those admitted to driving (if the contract is drawn up with a list of drivers by name);
4. a valid diagnostic card (if technical inspection is required by law).

Today it is not necessary to go to the insurer’s office and apply on a paper form. Issuing an insurance policy electronically has a number of significant advantages:

1. Simplicity in design. To apply for an MTPL policy on 05/29/2021, you do not need to visit the insurance office - just fill out the form provided online. The data specified in the application will be sent to the RSA database for verification, and after verification it will be generated automatically.
2. Delivery. You won't need to adjust your schedule to meet with the courier or insurance agent. The agreement will be sent to you electronically by email. It will be enough to print it out and always have it with you.
3. Less risk of fraud. One of the main problems with paper policies is the likelihood that an unscrupulous seller will issue you insurance on a fake form. Unlike a regular form, you buy an electronic policy through the website, and it almost immediately appears in the RCA database.
4. The policy is always at hand. In case of loss or damage, you will only need to re-print it.

Despite all the listed advantages, the type of policy - paper or electronic - does not in any way affect the cost of insurance.

How to insure a car cheaply?

Since the insurance company can set the base rate at its discretion, the cost of insurance in different companies may vary. Using our calculator, you can not only choose the best offer at the lowest price, but also save time - apply through our website.

Advantages of registration through our website

1. Opportunity to find out the cost of the largest companies at competitive prices. You can save a lot.
2. To purchase insurance, you do not need to go anywhere - just fill out an application for the selected offer. Delivery is free in some regions.
3. On our website you can purchase an electronic policy. At the same time, you will not have to fill out the same type of forms several times on the websites of different insurers. The application filled out on our website will be sent simultaneously to several companies, all you have to do is choose the offer you like.
4. We guarantee the authenticity of insurance purchased through our service.

How to apply for a policy on our website?

First of all, you need to calculate the insurance for your car. To do this, fill in our calculator with information about the vehicle and insurance parameters, namely:

1. make, model, year of manufacture and modification of the vehicle;
2. period and start date of insurance;
3. region of registration and actual residence of the owner;
4. information about the owners.

When calculating the cost, you may not fill out all the fields, but in this case the calculation will not be accurate, without taking into account the bonus-malus coefficient, which, depending on the driver’s insurance history, can range from 0.5 to 2.45. If you want to make insurance without restrictions on the number of persons allowed to drive a vehicle, then to calculate the CBM you must indicate the passport details of the owner and the VIN of the car.

We work only with trusted partners, so no matter which company you choose, we guarantee its authenticity.

Basic rates for compulsory motor vehicle liability insurance for a motorcycle

Below is a list of all basic rates when taking out a motor vehicle insurance policy. When calculating the cost of an MTPL policy for a motorcycle, the standard coefficients for calculating the cost of an MTPL policy are taken into account, which are multiplied by the base rate, which is determined by the Central Bank for motorcycles and mopeds. The table below shows the maximum and minimum value of the base rate. Insurance companies choose a base rate from a range below.

What is compulsory motor liability insurance and why do you need a compulsory motor liability insurance policy?

What to do in case of an accident? No one is immune from various unpleasant incidents on the roads. It’s even worse when you are to blame for the accident. In this case, you will have to pay for the repair of damaged other people's cars.

For everyone’s peace of mind, in 2003 the Russian government (looking at the experience of foreign colleagues) introduced Compulsory Automobile Liability Insurance (in other words, OSAGO). The MTPL law (No. 40-FZ) fully regulated everything related to liability insurance of vehicle owners under MTPL. Now each of us has a lifesaver in case we make a mistake on the road - damage caused due to your fault is partially (within 160,000 rubles) compensated by the insurance company under the MTPL policy. You should also not forget that the traffic police can impose a fine on a driver driving a vehicle who does not have a valid MTPL policy.

General issues

Taking out an MTPL policy for a motorcycle is a necessary expense obligation and one of the main documents for every motorcyclist who gets behind the wheel of such a dangerous vehicle. There are difficulties with issuing a compulsory motor liability insurance policy or there are none, but if the motorcycle starts moving, a compulsory motor liability insurance policy must be issued for it, located in the RSA database.

Do you need compulsory motor insurance for a motorcycle?

In accordance with current legislation, a vehicle traveling at a speed of more than 20 km/h must be insured. Whether insurance companies issue an MTPL policy for a motorcycle or not, the traffic police officer will not be satisfied with stories about the difficulties of insuring a motorcycle. If an accident occurs, the first remarks after the shock will be about the availability of insurance. Therefore, an MTPL policy for a motorcycle, a moped, a scooter, an ATV, or a tetracycle, if you want to leave the garage door, is necessary. The need for an MTPL policy for a motorcycle is due to the protection of the driver from civil liability and financial costs. Another important point is the correct choice of an insurance company, since the timeliness of payments for damages to a third party depends on the effectiveness of its work.

Do you need a diagnostic card for a motorcycle?

If the motorcycle is more than 3 years old from the date of manufacture (and not from the date of sale), then a diagnostic card confirming the passage of technical inspection is a mandatory document for issuing an MTPL policy. A diagnostic card for a motorcycle is issued for 2 years. 7 years after the motorcycle was manufactured, a diagnostic card is issued for 1 year. If 3 years have not passed since the year of manufacture of the motorcycle, then a diagnostic card confirming the technical inspection is not needed. The exception is when traveling abroad on a motorcycle. In this case, when crossing the border, you must present a valid diagnostic card confirming the completion of the technical inspection on a form.

OSAGO for motorcycles for regions

The situation when issuing an MTPL policy for a motorcycle, provided that the car owner is registered at the place of residence in the regions of the Russian Federation, is ambiguous and problematic. OSAGO for a motorcycle is in itself unprofitable, and insurance companies do not greet motorcyclists with open arms. The registration problem intensifies when a car owner from the region applies for registration of compulsory motor vehicle liability insurance for a motorcycle in Moscow. If you need to take out a motor vehicle insurance policy for the regions, you can contact our company. Our specialists will issue an MTPL policy for the region as soon as possible in a way convenient for the client. First, we will carry out a calculation taking into account all coefficients, including the regional coefficient and discounts contained in the RCA database. Then, with the client’s consent, an MTPL insurance policy will be issued for the motorcycle. The company operates a courier delivery service, so there will be no problems with the delivery of documents, if necessary.

Base rates for motorcycles

The range of base rates for calculating the cost of an MTPL policy is established at the federal level by the Central Bank. The type of vehicle solely determines the base rates allowed for insurance companies. Each insurance company itself sets the base rate for calculating the MTPL policy. For motorcycles, the Central Bank currently sets the size from 867 rubles. up to 1579 rub.

Payments under MTPL for a motorcycle

Firstly, it is always necessary to remember that if an insured event occurs due to the fault of a motorcycle, compensation for damage will not go towards restoring the motorcycle, but towards compensating the injured party.

Secondly, in order to receive payments in the event of an insured event, it is necessary to follow the established procedure in the event of an accident, namely: collect all the necessary documents, comply with the deadlines for contacting the insurance company and providing the necessary documents. All of these conditions are enshrined at the legislative level in the Law on Compulsory Motor Liability Insurance of April 25, 2002 No. 40-FZ.

Thirdly, in accordance with Article 19 of the MTPL Law, the amount of payments under MTPL for a motorcycle is up to 500 thousand rubles for damage to life and health, and up to 400 thousand rubles for damage to property. It should be noted here that recently, in case of damage to property, insurance companies have been repairing damaged property within the established limit (up to 400,000 rubles).

Refusals when applying for compulsory motor vehicle liability insurance for a motorcycle

Every motorcycle owner must have an MTPL policy, and no insurance company that has registered its activities in the Russian Union of Auto Insurers for motor insurance services should refuse to purchase a MTPL policy for a motorcycle. After all, there is an obligation under MTPL for a motorcycle, but the exercise of the right to purchase a MTPL policy, according to the motorcycle owners themselves, is not always exercised by insurance companies. Insurers refuse to issue MTPL for a motorcycle for various reasons. There are justified reasons: there are no documents necessary for concluding a motor insurance contract under compulsory motor liability insurance, the representative does not have a power of attorney, technical failures on the part of the registration system at the time of application, failure to provide the vehicle to the place of additional inspection. But there are also reasons for refusal of a different nature: the lack of forms for issuing compulsory motor vehicle liability insurance for a motorcycle, a proposal to fill out an application for issuing compulsory motor vehicle liability insurance for a motorcycle, and consider it after an additional inspection of the motorcycle in a place not located near the office of the insurance company.

The cost of MTPL for a motorcycle 250 cc, 400 cc.

The cost of MTPL for a 250 cc and 400 cc motorcycle is no different. The cost is influenced by the base rate set by a specific insurance company and coefficients, the parameters of which depend on the place of registration of the owner of the motorcycle and the length of service of drivers allowed to drive a motorcycle.

How to insure a motorcycle under OSAGO

Every motorcycle owner should know that an insurance company licensed to provide compulsory motor liability insurance cannot refuse to provide the service, regardless of which vehicle is insured. A license is issued immediately for all types of vehicles, the list of which is specified in the rules and 40 Federal Law of 2003.

The following insurance companies are ready to insure a motorcycle in Moscow:.

To insure a motorcycle, you need to take the following steps:

• prepare a set of documents required for registration of a motor vehicle license;
• submit a written application to the selected insurance company;
• conclude an agreement for compulsory auto insurance, pay the insurance premium and receive a ready-made auto insurance policy.

Package of documents

To conclude an insurance contract and issue a motor vehicle title, you will need to provide the following list of documents to the insurance company:

• civil passport of the owner of the vehicle;
• owner's driver's license;
• driver's licenses of all persons allowed to drive a motorcycle, if insurance is issued for a certain group of persons other than the owner;
• technical passport or registration certificate obtained from the traffic police;
• diagnostic card. The document confirms the good condition of the motorcycle and allows for its use on public roads.

The list of required documents is approved by the Law “On Compulsory Motor Liability Insurance”. The insurance company has no right to demand more than what is prescribed by current legislation.

Statement

After preparing the necessary set of documents and choosing an insurance company, you must submit a written application for compulsory auto insurance.

The document form was approved by the Regulations of the Bank of Russia dated September 19, 2014.

The application must indicate:

• the name of the insurer, that is, the insurance company to which an application for compulsory car insurance is submitted;
• Full name or name of the policyholder, including registration or residence address, contact numbers;

• details of the owner of the insured motorcycle;

• technical characteristics and license plates of the motorcycle;
• details of the vehicle registration certificate;

• state motorcycle license issued by the traffic police after the registration procedure;
• details of the current diagnostic card;

• use of a motorcycle (personal needs, training riding, participation in competitions, etc.). When defining a parameter, it is recommended to specify all purposes of use. Otherwise, some of them will not be covered by insurance;

• a list of persons who will be allowed to drive a motorcycle, indicating their full name, date of birth and driver’s license details;

• information about the previous auto insurance policy, if the motorcycle was previously insured.

The application is signed by the policyholder on the day of its submission.

The reverse side of the application is filled out directly by the insurer's representative. It is in this part of the document that all coefficients and other additional marks used to calculate the cost of the policy are indicated.

The application can be submitted directly at the insurer’s office or on the official website of the insurance organization.

Conclusion of an agreement

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After submitting an application, providing all documents for verification and inspection of the motorcycle by a qualified specialist of the insurance company, an insurance contract is concluded between the insurer and the policyholder.

Before signing the document, it is recommended to clarify:

• correct filling of all data;
• a list of insured events upon the occurrence of which insurance payment is made;
• deadlines for submitting documents for insurance payment. In accordance with the law, all documents and an application for compensation must be provided to the insurer within 15 days after the accident. However, the insurance contract may provide for other terms;
• ways to apply for insurance compensation. Many insurance companies, in addition to the standard method (personal contact with the insurance company), provide policyholders with the opportunity to submit an application online;
• list of documents required to receive insurance payment;
• deadlines for receiving compensation.

After concluding an insurance contract, the policyholder is obliged to pay the accrued insurance premium. As a rule, payment can be made directly at the insurance company's cash desk, but other methods may be provided.

As confirmation of payment, the policyholder is issued a receipt indicating the date of receipt of funds and the amount paid.

As a result of concluding an insurance contract and paying the cost of insurance, the policyholder will be issued the following documents:

• a copy of the insurance contract;
• insurance policy;
• Receipt of payment;
• notifications about road accidents (2 sets);
• Insured's memos (list of insured events, memo on contract extension, actions to take in the event of an insured event, etc.).

The list of additional documents issued is regulated exclusively by the operating rules of the insurance company.

Motorcycle insurance 2021

So, in conclusion, it is worth saying a few words about the planned reforms in motorcycle insurance in 2021. Confirmed information by the Central Bank was that compulsory motor vehicle insurance in 2019 will be calculated at new tariffs, in fact, like compulsory motor vehicle insurance for other cars. The main change will be that the tariff corridor will expand by 20%, which will benefit motorcyclists and motorists.

The question may immediately arise as to why motor vehicle insurance will become more profitable for policyholders in 2019. There is nothing complicated about it. The fact is that from 2021, all tariffs for both MTPL for motorcycles and MTPL for other vehicles will be calculated completely on an individual basis.

Each motorcyclist will be assigned a single insurance history, which will include both the history where he was the owner of the motor vehicle and the history where he was a person allowed to drive it. In addition, when calculating the cost of an insurance policy for a motorcycle, new additional coefficients will be used, which will include such indicators as the age of the motorcycle, driving style and others. This will be necessary precisely so that motor vehicle insurance in 2021 is calculated completely individually for each policyholder, and is not tied to general statistics and general coefficients.

Also, one of the innovations in the field of insurance for motorcycles and cars in 2021 will be that the KBM will no longer be reset to zero in the event of a break in driving experience. This means that if there is a break in issuing insurance for a motorcycle, be it a year or two, or more, the KBM will not be reset to zero, but will remain the same as when the policy was last issued. It is also worth noting that when applying for an MTPL insurance policy for a motorcycle in 2019 for legal entities, the KBM will not be reset to zero during the break, but will remain the same.