OSAGO-2018: what changes are expected in the motor vehicle code?

Will the price of OSAGO change in 2018?

Yes. The cost of the policy consists of the base rate and then the coefficients applied to it, mainly increasing the final price of insurance.

In May 2021, the Central Bank announced an increase in the final cost of the MTPL policy. The change is planned for the end of summer 2018 and will affect the increase in the range of applied prices for the basic insurance rate, as well as an increase in two coefficients:

across the insurance territory (region of Russia),
according to the experience and age of the driver.

The base rate will be increased from the corridor of 3432-4118 rubles to 2746-4942 rubles. But this will make the policy grow even more.

We discussed changes in prices for compulsory motor insurance in detail in a special article on the rise in prices of policies.

Today there is a 20% corridor for base rates (but rest assured, almost all insurance companies use the maximum figure in this corridor):

for individuals for passenger cars: from 3432 to 4118 rubles,
for legal entities for passenger cars: from 2573 to 3087 rubles.

The average cost of an MTPL policy for 2021 is just over 5,500 rubles.

Calculate the cost of your MTPL policy

Are MTPL policies changing?

Yes. They have already changed since January 1, and insurance companies only sell insurance with the new forms. There are few changes, but they are all quite significant. Let's look at them!

QR code

The most important thing is that the new MTPL policy 2021 now has a QR code measuring 2x2 cm, which allows, firstly, to identify it as not counterfeit, and secondly, to obtain basic information about the insurance holder.

So, when you scan the code (this can be done with any smartphone with the application installed), you will be taken to the website of the Russian Union of Auto Insurers, where you can find out information about the insured driver. In fact, this is the most basic information about the owner of the MTPL - what is indicated on the policy itself:

name of the insurance company,
insurance identification numbers,
car data,
validity period of the concluded MTPL agreement.

This can only be useful for determining whether the policy in front of you is real or fake. For example, when registering an accident under the European protocol, it will be possible to “break through” the non-fakeness of the policy. Doesn't this mean that drivers will soon be held responsible for neglecting such checks? It's a difficult question. But it's quite possible.

A policy with a QR code can only be obtained at the insurance office - when you apply for electronic insurance, you will receive a regular form by email.

KBM

But this change in OSAGO 2021 is already more pleasant for drivers, because many of us have already experienced a lost discount for accident-free driving due to inconsistency in the work of insurance companies (and, perhaps, elementary fraud on their part).

Now, the new 2021 policy form indicates the class at the beginning of the insurance, as well as a table with classes for each driver in case the policy has a limited number of eligible persons, for transparency in calculating the cost of insurance. Photo of such a new policy with a table:

That is, knowing the formula for calculating the accident-free class and the coefficients for the region and others, you can check whether the price of the insurance premium was calculated for you correctly. We suggest that you familiarize yourself with the article on a visual calculation of the KBM.

And in case the MTPL insurance is unlimited, the new policy also provides a field where the class of the owner at the beginning of the conclusion of the contract is indicated.

Will the insurance fine increase?

As of today (we monitor changes in Russian legislation every day), the fine remains the same:

800 rubles (400 rubles with discount) if you do not have insurance or it is expired,
500 rubles (250 with a 50% discount) if you are not included in the policy or the period of use of the car has expired.

Despite a number of news at the beginning of 2021 about changes to such a fine, all this news is nothing more than “fake”. We have a special article about such news in 2021, and another one about the current fine for lack of insurance.

In the meantime, there is no news from official sources that such a fine may increase before the end of 2021. If this happens, the article will be updated, and you can subscribe to changes in the article below.

Registration of compulsory motor insurance for private motorists

The largest group of insurers includes individuals, that is, owners of their own cars. In 2018, in order to obtain compulsory motor liability insurance, they will need to provide the following documents to the insurance company:

Application completed on the form provided by the insurer.
A diagnostic card confirming that the insured vehicle has passed a technical inspection. The insurer is provided with the original card, and it must be valid. If this document is missing or its validity period has expired, the car owner should first contact a service station to inspect the vehicle and issue a diagnostic card.
Registration certificate. If the car has not yet been registered, a registration certificate or PTS is presented instead.
Passport of the person who will drive the car. If the owner and the policyholder are two different people, then you should bring a passport of each.
Driver's license.

Providing the insurer with incorrect information necessary for registration of compulsory motor liability insurance may cause unilateral termination of the concluded insurance contract.

The fine for not having an MTPL policy in 2021 is 800 rubles.

Will there be a MTPL reform in 2018?

Unlikely. The reform proposed by the Ministry of Finance of the Russian Federation includes the following innovations:

variations in the maximum payment under compulsory motor liability insurance from 400 thousand rubles to 2 million and dependence on the policy cost limit in 2018,
abolition of a number of coefficients (based on car power and region of residence of the car owner),
additional increasing coefficient for legal entities.

However, today all 3 of these changes are met with criticism and rejection by other legislative departments.

Thus, the variability of the maximum compensation limit is criticized because of the very essence of compulsory motor liability insurance - after all, it is the driver’s liability that is insured under the auto insurance policy, and the victim will thus depend on the desire of the culprit to be insured at one or another limit. However, there is still some logic in the variability of limits, and what exactly the Bank of Russia did not like about this, which opposed the change, remains a mystery.

But there will be changes in the odds. Thus, an additional coefficient for organizations was proposed by the insurance companies themselves, complaining that most often there is no information about which driver will drive such a vehicle and how long his experience and age are. But this is just a suggestion.

But, as we noted above, 2 coefficients will increase: territorial and by age and experience of drivers. Insurers are also proposing to introduce a new coefficient based on vehicle mileage.

Thus, of the listed innovations in the MTPL reform, only changes to the base rate and two coefficients are planned for 2018.

Will OSAGO become more expensive in 2018?

One of the most interesting questions for drivers is the cost of insurance policies next year.

The existing draft law provides for an increase not only in the base tariff, but also in the age and length of service coefficients. At the same time, for certain categories of compulsory motor insurance it will become significantly more expensive, and for some motorists, the price of a motor vehicle license will decrease in 2018.

For drivers aged 22-24 years with less than 5 years of experience, the increase will be 50%;
For drivers in the age group 22-24 years old with 5-6 years of experience, the increase will be 55%;
For drivers in the age group 24-29 years old with 5-6 years of experience, the increase will be 31%;
For drivers in the age group 24-29 years old with 6-9 years of experience, the increase will be 22%;
For drivers over 49 years of age with more than 14 years of experience, the price reduction will be 34%.

The cost of the MTPL policy will also be influenced by regional coefficients, which have significant differences between individual subjects of the federation. It is necessary to take into account that the cost of the policy is calculated using the maximum of the coefficients. That is, an adult, experienced driver with accident-free driving and the opportunity to receive a significant discount on the cost of the policy, when a young driver with insured events is included in the document, will not only lose all his benefits, but will also be forced to pay higher rates. The reason for this is that insurance is tied not to a person, but to a vehicle.

From the beginning of 2018, changes will apply to vehicles listed on the balance sheet of organizations. For them, so-called average coefficients will be established, which will make compulsory motor insurance more expensive for insurers in this category.

Increasing coefficients involve their alignment depending on the number of violations committed by the driver:

5-9 violations - 1.86
10-14 violations - 2.06
15-19 violations - 2.26
20-24 violations – 2.45
25-29 violations – 2.65
30-34 violations – 2.85
35 violations or more – 3.

Will insurance become more expensive if there are traffic violations or fines?

No. At least not in 2021. This amendment, by the way, was also proposed as part of the MTPL reform, but it was not destined to come true.

The reason here is simple, and it has a lot in common with the cancellation of the accident certificate last year - the traffic police simply did not give the go-ahead to provide the database of violators to insurance companies. The argument was a reference to the Federal Law “On the Police”, and without specifying a specific article or paragraph. But if you try to search yourself, you will not find a word in the law about prohibiting interaction with third-party organizations or violating the rights of a citizen by transferring information to them. However, the disagreement of the traffic police only plays into the hands of ordinary motorists, because many have fines.

The initiative was based on completely good intentions - if a driver often violates traffic rules, which is reflected in the fact that he has fines, then this means that he is also more likely to get into an accident and become the culprit. And you must agree that this is quite logical! Especially if, to increase the cost of the policy, not all violations of the Rules were taken into account, but only certain ones, for example, such as dangerous driving, repeated speeding, violations of intersections or intentional violations. And such things as driving beyond the stop line, excessive tinting or installing prohibited types of lamps in the headlights - things that do not have a direct impact on the possibility of an accident - were not taken into account.

Something else useful for you:

What changes are being made to compulsory motor liability insurance from April 1, 2021? Will insurance become more expensive?
Increasing the fine for driving without compulsory motor liability insurance to 5,000 rubles from January 1, 2021 - true or false?
The danger of the European protocol - what if the culprit did not provide notice within 5 days?

Cameras and lack of compulsory motor insurance

The idea of fining drivers who drive without a compulsory motor liability insurance policy according to the new compulsory motor liability insurance rules for 2021 starting in November has not yet been implemented in practice. The launch date for the project in Moscow, as an experimental one, has been postponed indefinitely, although it has aroused keen interest among Muscovites. The point of the innovation was that the cameras read vehicle license plates and check the availability of an insurance policy using the OSAGO information base. If there is no policy, then the information is transmitted to the traffic police, which issues a fine. The fine for driving without compulsory motor insurance has not changed and is 800 rubles for driving without insurance (Article 12.37 of the Administrative Code of the Russian Federation). Representatives of the RSA and the State Traffic Safety Inspectorate have not yet come to a common conclusion on the number of fines issued after being recorded by a camera per car owner per day. For now, an acceptable option is considered to be imposing a fine on a motorist once a day, and not for recording a violation by each camera during the day.

Are the rules for compensation under compulsory motor liability insurance changing?

Yes. And very significant.

Let's start with the main thing - compulsory motor liability insurance now covers only part of the damage, and the rest can be recovered directly from the culprit. This conclusion was made by the Constitutional Court of Russia, which considered that if compensation, taking into account wear and tear, from the insurance company does not fully cover the actual damage to the victim, then his constitutional right to property has been violated. But since there is nothing to take from the insurance company (after all, a unified calculation method taking into account wear and tear is approved in the Federal Law “On Compulsory Motor Liability Insurance”), then let the victim demand the difference from the culprit.

We will leave all the illogicality and absurdity of this change, as well as discussions on the topic of eradicating the very principle of protecting the culprit with insurance, for comments in our special article about compensation for the difference directly from the culprit.

However, this situation only applies to payment in money - in the case of a referral for repairs, no wear and tear can be considered insurance coverage.

It was at the beginning of 2021 that the practice of suing the culprits directly for compensation for the difference became widespread.