For example, the cost of insurance with a car operating life of 10 months is equal to the price of a classic annual policy. Thus, we simply lose two months of insurance. Enter into an agreement where there will be minimum insurance for a car under compulsory motor liability insurance only if you actually drive it only in a certain season. Then such savings will be justified. How to buy compulsory motor insurance in installments So, we will not be able to save on the cost of insurance by reducing the operating time of the car. However, using the period of seasonal use of the vehicle, you can make an installment payment without overpaying for the MTPL policy. The fact is that when purchasing insurance for a limited life of a vehicle, nothing will prevent you from later increasing this period to a year.

Osago for a minimum period, or period of use

Attention

I'm buying, how to choose? All drivers participating in road traffic in the Russian Federation are required to have an MTPL policy. On this moment The cost of a car license can be calculated for 3 categories of vehicles:

1. For vehicles registered in foreign countries.
2. For vehicles traveling to the place of registration (transit) or to undergo technical inspection.
3. To register the vehicle with the traffic police and further use in the Russian Federation.

Accordingly, each category has its own minimum insurance period.

For the first, it ranges from 5 to 15 days, i.e. for an MTPL contract that “fits” within this interval, the policyholder will pay the same amount. For drivers driving a vehicle across Russia to the place of permanent registration or going for a PIK (technical inspection), the insurance period is always the same - 20 days, no less and no more.

Coefficient ks for the period of vehicle use

Info

Short policies were introduced by the state in order to eliminate contradictions in the Law. The fact is that when selling compulsory motor liability insurance, the insurance agent is obliged to check that the client has a valid diagnostic card for the car.

However, a person who has just purchased a vehicle cannot drive it to a technical inspection point, since he does not have the right to drive the car without insurance. To avoid this vicious circle, there is a short twenty-day policy that can be purchased without a diagnostic card.
Minimum period of compulsory motor liability insurance For what minimum period can a compulsory motor liability insurance be issued for drivers who do not use a car all year round? For this purpose, compulsory motor liability insurance policies provide for a special condition, which is called: the period of seasonal use of the vehicle.

What is the period of validity of the policy and the period of MTPL insurance for vehicles?

By general rule, the compulsory car insurance contract is always concluded for one year - this information indicated in the upper right corner of the policy. If the vehicle is to be sold, it is insured for a minimum period.

For the remaining 9 months you will need to pay half annual cost OSAGO (the same as for the first 3 months). Thus, having paid 0.7 annual compulsory motor insurance for the first 6 months, for the next you will pay 0.3 annual insurance.

How to save money on an MTPL policy The MTPL rules do not provide for payment of civil auto insurance in installments.

Period of use of compulsory insurance, minimum period

Table 1. Dependence of the cost of insurance on its duration. the table scrolls to the right Insurance period Kp coefficient 3 months 0.5 4 months 0.6 5 months 0.65 6 months 0.7 7 months 0.8 8 months 0.9 9 months 0.95 The cost of compulsory motor liability insurance for 10 and 11 months will be in annual insurance. Important:

• Car owners who take out MTPL for several months a year pay more for each month than those who buy a policy for the whole year.
• The cost of annual MTPL insurance will not change during the annual insurance period indicated in the policy, even if rates increase during this year.

Minimum compulsory insurance period

The last, main group of car owners concludes a standard MTPL agreement, the calculation procedure of which is the same for all insurance companies in the Russian Federation. Let’s take a closer look at this particular auto insurance policy.

Selecting a vehicle type Number of drivers Number of drivers Insurance term and period of use in the MTPL policy First, let’s look at the terms used when taking out MTPL insurance: “Contract term” and “Vehicle use period.” Insurance period. In the upper right corner of the MTPL policy, the “Validity period of the MTPL agreement” is written, and it is ALWAYS 1 year.
Period of use. It is indicated in the next line of the policy and determines the months during the contract period (policy year) when the car owner will use his vehicle and the insurer will be responsible for it.
Agafonov 11:27 Period of use of the vehicle. That is, the number of months during which you operate your piece of iron Yaroslav 13:10 At the request of the policyholder, you can declare a certain period of use of the car. For example, from the beginning of April to the end of October, if the car is not used in winter. A policy with such restrictions becomes a little cheaper yahooh 22 :11 if you will not be driving the car for a whole year, then you can choose the period of use of the car - less than a year... this period is from 3 months..
You can first insure for 3 months, and then extend it... Irma 18:08 As a rule, they insure for a period of use of 1 year, but it is possible for the period of hauling, by season, or half a year. (indicate time, month, year).

What is the period of use of tsosago

There are 3 categories of vehicles: vehicles registered in the territory of another state and entered the territory Russian Federation; Vehicles entering Russian territory in transit; Vehicles constantly operated on the territory of the Russian Federation. According to current legislation, the minimum period of auto liability insurance in 2018 is three months.
The shorter the insurance period, the cheaper it will cost the vehicle owner. To calculate the cost of a policy for several months, the coefficients indicated in the table are used: Insurance period, months (total for the year) Cost of annual insurance or term coefficient (Ks) 3 0.5 4 0.6 5 0.65 6 0.7 7 0 .8 8 0.9 9 0.95 Additional information:

• It is more profitable to purchase a compulsory insurance policy for the whole year at once.

What is the period of use of nc in compulsory motor insurance?

Today, the cost of such insurance can be calculated: 1. For vehicles that are registered abroad. 2. For vehicles that are going for a technical inspection or to the registration point.
3. To register a vehicle that will subsequently be used on the territory of the Russian Federation with the State Traffic Safety Inspectorate. All of these cases have their own insurance periods, for example, for the first category – 5-15 days.
If the compulsory motor liability insurance policy “fits” within the designated interval, the policyholder will need to pay the same amount of money. For drivers who are going for a technical inspection or driving a vehicle across the territory of the Russian Federation to the place of registration, the insurance period is 20 days, no more and no less.

The last, largest group of citizens concludes a standard MTPL. Its calculation procedure is the same in all insurance companies in Russia.

What is the period for using a vehicle in compulsory motor insurance?

During payment, only the total number of months in a calendar year is taken into account. Validity of OSAGO Owners of a vehicle registered in another country and temporarily located on the territory of the Russian Federation (for a period of no more than two weeks) must purchase a policy for 5 or 15 days. Cars traveling to a place of permanent operation and cars traveling to a technical inspection point (PIC) must be insured for a period of 20 days.

If the owner of the vehicle does not take out a permanent MTPL policy after this period, he will be forced to leave the territory of the Russian Federation. For other vehicles operated on the territory of the Russian Federation, the validity period of the compulsory motor insurance contract is one year. Please note that the insurance year is not always equal to the calendar year.

What does the period of use of a vehicle mean in insurance?

But no one is stopping the driver from first paying for 3 months (0.5 annual insurance), then extending the policy for another 3 months (0.2 annual insurance), and then paying only 0.3 annual amount for the remaining six months. In essence, it turns out to be the same installment plan. If you don’t waste your time, it’s very profitable given certain financial difficulties and our level of inflation.
The main thing is not to forget to extend the period of use in advance. Otherwise, the insurer has the right to charge for subsequent months as for the first, i.e. with increasing coefficient Kp. Fine for driving a vehicle during a period of use not covered by the MTPL policy. Driving a vehicle during a period not covered by the MTPL policy entails a fine of 300 rubles. Don't settle for more. Let's explain with an example.
As a rule, those who plan to sell it in the near future insure their car for a minimum period of 3 months. And, as can be seen from the table, for 3 months the policyholder will have to pay half the annual cost of compulsory motor liability insurance.

If for some reason the sale does not take place, the insurance can easily be extended until the end of the policy year. In this case, the additional payment for the remaining 9 months will be the remaining half of the annual cost of compulsory motor insurance (the same as you paid for the first 3 months).

Accordingly, as can be seen from the table, having paid 0.7 annual compulsory motor insurance for the first six months, for the remaining 6 months you will need to pay an additional 0.3 annual insurance. How to save money on an MTPL policy It is known that the MTPL Rules do not provide for payment of motor vehicle insurance in installments.

Every driver is required to have a liability insurance policy. But it is not always necessary to take out insurance for the entire period. How to conclude an insurance contract for several months and is it beneficial for the car owner? You will find answers to these questions in this article.

Coefficients for the period of vehicle use for compulsory motor liability insurance - table

First, let’s figure out what the insurance period is and how it differs from the concept of “period of use of the car.”

Insurance period - the period of validity of the contract concluded with the insurance company. Most companies prefer to issue policies for 12 months. This is beneficial not only for the insurer, but also for the car owner.

The period of use of the car is the number of months when the owner uses his vehicle and can receive insurance payment. The less time a car owner drives his vehicle per year, the cheaper insurance will cost him. You can check the coefficients for the period of vehicle use for compulsory motor liability insurance in the table below. Please note: for insurance for ten or eleven months, you will have to pay the full amount.

Minimum period of car insurance under compulsory motor liability insurance in 2020

What about those who use their vehicle little or plan to part with it soon? The minimum insurance period in 2020 is three months. Please note that if you buy insurance for a short period and then renew it, you will significantly overpay. An annual policy is more profitable for one more reason: you immediately pay for insurance for the whole year, you will not have to pay extra, even if the rates change unexpectedly. In addition, you can save not only time, but cash by purchasing a policy online.

How to extend the period of using osago insurance online

A short policy period is chosen by those who plan to sell a car in the foreseeable future. In the future, if you wish, you will be able to extend the contract.
How to extend the validity period insurance policy? To do this, you need to contact the company and pay the difference for the remaining months. For example, if you first took out a six-month policy, you paid 70 percent of the cost of an annual auto policy. If you need to extend the insurance contract for another six months, you need to contact the company’s office and pay another 30%.

Since 2019, the Central Bank of Russia has been introducing new minimum and maximum levels of the TB base rate. They will be:

• for motorcycles (categories A, M): 694 rub. – min and 1407 rub. – max;
• for passenger cars (categories B, BE):

For private owners and individual entrepreneurs: 2746 rub. – min and 4942 rub. – max;

For organizations: 2058 rub. – min and 2911 rub. – max;

For taxi: 4110 rub. – min, and 7399 rub. – max;

• for trucks (category C, CE):

Up to 16 tons: 2807 rub. – min and 5053 rub. – max;

More than 16 tons: 4227 rub. – min and 7609 rub. – max;

• for buses (category D, DE):

Less than 16 passenger seats: 2246 rub. – min and 4044 rub. – max;

More than 16 passenger seats: 2807 rub. – min and 5053 rub. – max;

Minibus taxis: 4110 rub. – min and 7399 rub. – max;

• for trolleybuses (category Tb): 2246 rub. – min and 4044 rub. – max;
• for trams (category Tm): 1401 rub. – min and 2521 rub. – max;
• for tractors, self-propelled road construction and other vehicles: 899 rub. – min and 1895 rub. – max.

Minimum period of compulsory motor liability insurance

All drivers participating in road traffic in the Russian Federation are required to have an MTPL policy. At the moment, the cost of a car license can be calculated for 3 categories of vehicles:

Accordingly, each category has its own minimum insurance period. For the first, it ranges from 5 to 15 days, i.e. for an MTPL contract that “fits” within this interval, the policyholder will pay the same amount.

For drivers driving a vehicle across Russia to the place of permanent registration or going for a PIK (technical inspection), the insurance period is always the same - 20 days, no less and no more.

The last, main group of car owners concludes a standard MTPL agreement, the calculation procedure of which is the same for all insurance companies in the Russian Federation. Let’s take a closer look at this particular auto insurance policy.

Note!

First, let's look at the terms used when taking out MTPL insurance: “Contract validity” and “Vehicle use period.”

Insurance period. In the upper right corner of the MTPL policy, the “Validity period of the MTPL agreement” is written, and it is ALWAYS 1 year.

Period of use. It is indicated in the next line of the policy and determines the months during the contract period (policy year) when the car owner will use his vehicle and the insurer will be responsible for it. If the driver plans to use the car all year, the period of use coincides with the annual validity period of the OSAGO.

But not all car owners use their vehicles all year round. A limited period of use (several months a year) is relevant, in particular:

• for “snowdroppers” who use the car exclusively during the warm season;
• for those who plan to sell the vehicle in the near future;
• for car owners going on long business trips, vacations, etc.

And of course, the fewer months a year a driver uses his car, the lower the cost of MTPL insurance for him.

Today, you can conclude a contract under compulsory motor liability insurance for at least 3 months (the period of use within the framework of annual insurance, do not forget).

In general, when calculating compulsory motor liability insurance for several months, the following table is used.

the table will scroll to the right

Insurance periodKp coefficient

3 months	0,5
4 months	0,6
5 months	0,65
6 months	0,7
7 months	0,8
8 months	0,9
9 months	0,95

The cost of compulsory motor liability insurance for 10 and 11 months will cost the annual insurance.

• Car owners who take out MTPL for several months a year pay more for each month than those who buy a policy for the whole year.
• The cost of annual MTPL insurance will not change during the annual insurance period indicated in the policy, even if rates increase during this year. When taking out a policy for several months, be sure to find out the cost of annual MTPL insurance, at least in order to know the subsequent additional payment (if it is required in case of an increase in the period of use). You can insure yourself for several months, and then, if necessary, pay extra and extend the period of use .
• The period of use in the OSAGO policy form is “divided” into several parts. That is, when you apply for compulsory motor liability insurance, you can immediately “schedule” the entire insurance year ahead. For example: 1 month in winter, 3 months in summer, 1 month in autumn and other variations. When paying, only the total number of months in a year is important.

The arithmetic is simple. The MTPL insurance contract is always concluded for a year (see the upper right corner of the policy). The annual cost of the policy is a constant value.

As a rule, those who plan to sell it in the near future insure their car for a minimum period of 3 months. And, as can be seen from the table, for 3 months the policyholder will have to pay half the annual cost of compulsory motor liability insurance.

If for some reason the sale does not take place, the insurance can easily be extended until the end of the policy year. In this case, the additional payment for the remaining 9 months will be the remaining half of the annual cost of compulsory motor insurance (the same as you paid for the first 3 months).

It is known that the OSAGO Rules do not provide for payment of car insurance in installments.

But no one is stopping the driver from first paying for 3 months (0.5 annual insurance), then extending the policy for another 3 months (0.2 annual insurance), and then paying only 0.3 annual amount for the remaining six months. In essence, it turns out to be the same installment plan. If you don’t waste your time, it’s very profitable given certain financial difficulties and our level of inflation.

The main thing is not to forget to extend the period of use in advance. Otherwise, the insurer has the right to charge for subsequent months as for the first, i.e. with increasing coefficient Kp.

Driving a vehicle during a period not covered by the MTPL policy entails a fine of 300 rubles. Don't settle for more.

The most important!

Let's explain with an example. If the MTPL insurance period is from May 5 to May 4, and the period of use is from May 5 to August 4 (3 months), then by driving a vehicle after August 4 and before May 4, you risk your wallet.

The main thing is not to confuse failure to fulfill the civil obligation to insure under MTPL, (i.e. the complete absence of an MTPL agreement), which is punishable by a fine of 500-800 rubles or removal of numbers, and forgetting to extend the period of use within insurance year.

If an accident occurs during a period not covered by the compulsory motor liability insurance policy, the insurance company will pay the victim, but then present a recourse claim to the negligent insured and force him to reimburse his expenses.

• You can conclude an MTPL agreement for a limited period of time - 3, 4, 5, etc. months.
• In this case, the insurance premium for the first months will be calculated with an increasing coefficient.
• The policyholder has the right to extend the period of use for any number of months, respectively, paying extra for them, until the end of the policy year.
• The total cost of compulsory motor liability insurance for the year should be the same, both for a one-time payment and for payment in installments, by month.

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The issue of concluding an MTPL agreement is quite clearly regulated by current legislation, in particular, the Federal Law “On compulsory civil liability insurance of vehicle owners” dated April 25, 2002 No. 40-FZ (hereinafter referred to as Federal Law No. 40-FZ). But in practice, questions still arise regarding the terms of insurance, especially for drivers who do not use the vehicle all year round.

Art. 10 Federal Law “40-FZ” establishes the rule according to which the total validity period of the MTPL agreement is 1 year. But below the legislator provides options for exceptions to the rule. In particular, we are talking about the following cases:

1. When using a vehicle registered on the territory of a foreign state for temporary movement within the territory of the Russian Federation. In this case, the contract is concluded for the period of use; but not less than 5 days.
2. If the car owner does not have a diagnostic card in the following cases:
   • When purchasing a new car and transporting it to the place of registration.
   • When going to the place of vehicle inspection.

The legislator gives car owners a period of 20 days to complete the above actions.

Another exception is provided by Art. 16 Federal Law No. 40-FZ, which talks about limited use of the car, for example, during the season. We are talking, as a rule, about snow removal and agricultural equipment.

However, it is not prohibited for ordinary citizens to insure vehicles for a season (3 months).

In this case, when concluding an MTPL agreement, it is necessary to notify the insurer about this and, accordingly, the amount of the insurance premium will be recalculated in accordance with the validity period of the agreement.

OSAGO is an insurance policy that every vehicle moving within the Russian Federation must have, otherwise penalties will be applied. In connection with the compulsory form of insurance, many questions arise, in particular, what is the minimum period of compulsory insurance, and whether it is possible to insure a car for a particular period of time.

Who needs MTPL?

Before you decide which policy to take out, you should understand for which categories of cars a car license is required:

• for persons with foreign citizenship and who are not residents of the country. The car has foreign license plates;
• Vehicles heading to the place for registration and entry into the register. The location of this point is not taken into account;
• during the process of delivery for registration and after it, for cars permanently located in the country.

For vehicles that are registered in other countries, you can buy a car insurance policy for a period from 5 days to six months.

The owner independently determines the duration of the insurance; if a week is not enough, it can be issued for 10 days or several months. The practice of applying for months is often used so that the insurance does not end if the circumstances of the foreigner’s stay in the country change.

It is not necessary to determine for how long you need to make insurance if the vehicle is sent to a place for permanent registration with the traffic police. Here the minimum and maximum time is the same - the period is 20 days. A contract cannot be concluded for another period of time.

Car insurance for a car with constant use within the country is minimum for a period of three months. The third group is the most common and common, since there are many times more car residents.

When drawing up a contract, several concepts are used; misunderstanding is caused by the period of use of the vehicle, what is it? There are differences between the term of car insurance and the duration of operation of the vehicle. The law of the Russian Federation describes that the insurance period is the period of time for which the contract is concluded. Its duration is always 1 year. You can find the entry in the upper right corner.

The period of use is a slightly different concept, and this period fits in the column below the previous mark. This indicates what time of year the car will be used; you can select by month. The policy may be for commercial or personal use vehicles that only carry vehicles for a limited period of time.

Who needs MTPL?

Attention

I'm buying, how to choose? All drivers participating in road traffic in the Russian Federation are required to have an MTPL policy. At the moment, the cost of a car license can be calculated for 3 categories of vehicles:

1. For vehicles registered in foreign countries.
2. For vehicles traveling to the place of registration (transit) or to undergo technical inspection.
3. To register the vehicle with the traffic police and further use in the Russian Federation.

Accordingly, each category has its own minimum insurance period.

Bonus-Malus coefficients are used in OSAGO to reduce or increase the insurance premium. They depend on the quality of the policyholder’s driving in the past insurance periods. If he was not the culprit of the accident, then the cost of insurance is reduced; if he caused damage to third parties one or more times, then next time the compulsory motor liability insurance policy will be more expensive for him.

In 2019, the minimum coefficient will be 0.5. The maximum value of KBM will be 2.45. A specific calculation of the coefficient for each policyholder is made according to a table that takes into account the number of insurance payments and CBM for the previous insurance period.

What is the period of validity of the policy and the period of MTPL insurance for vehicles?

MTPL terms

Let's get straight to the definitions. According to the rules of compulsory motor liability insurance, there is the concept of “insurance period”, and there is the concept of “period of use”. The insurance period under compulsory motor liability insurance is always 1 year. But the period of use ranges from 3 to 12 months.

How it works? You drive a car only in the warm season, from April to September. It makes no sense for you to buy insurance that will be valid all year round - why if in winter the car is parked in a garage or in a parking lot?

March 15th you come to insurance company and ask to sell an MTPL policy for six months. The insurance employee fills out the policy form and offers to take a look - is everything correct?

OSAGO is compulsory insurance of a car as a road user. The need for insurance in Russia is regulated at the legislative level.

Without such insurance, driving a vehicle is unacceptable. The policy has a number of features: depending on the type of car, duration of use, place of operation of the car.

READ ALSO: OSAGO calculator 2018 online - Calculation of the cost of an OSAGO policy

The most common type of obtaining compulsory motor liability insurance, as it implies using the car only within the country. Can be issued for different periods of use. There are options for short-term or seasonal use.

Short-term policy is relevant for:

• People who use a car exclusively for a certain period of time. This is mainly due to the fear of snowy roads, poor traffic flow or seasonal business.
• For those who will soon be selling a car and do not want to overpay in vain.
• For car owners who often spend time outside the country on business trips.
• In this case, concluding an insurance contract is possible for a minimum period of 3 months. If the car crosses the country's borders, you will have to re-issue an insurance policy.

Every citizen who has sold or bought a car should be aware of the concept of transit insurance, which is designed to ensure the safe movement of the vehicle from the place of sale of the car to the place of permanent registration. It is relevant for transactions that take place outside one place of residence.

For this task, a compulsory motor liability insurance policy lasting 20 days is provided, no tariff plan for a longer or shorter time. For transit cars, the duration is standard.

If you do not buy insurance, a person risks his car, because if a defect is discovered during the process, the car will be damaged and no payment will follow. Another factor is the traffic police, since it is prohibited to travel without insurance; stopping by the traffic police will entail a fine.

Such insurance is required for:

• transporting the car to the regional office for registration;
• to accompany the vehicle to a service station for repairs;
• for transporting the car to the place of sale.

The cost of insurance is influenced by various factors, most of all:

• region of vehicle use;
• car power;
• driving experience of the person who will drive it;
• driver's age.

The approximate cost of compulsory motor liability insurance, depending on the power, will have the following indicator:

• 70-100 l. With. - 1600 rubles;
• 100-120 l. With. - 1800 rubles;
• 120-150 l. With. - 2100 rubles;
• 150 l. With. and more - 2400 rubles.

There are ways to perform cost calculations using all important indicators, but it can be quite difficult to do this on your own. It is better to use online calculators.

The legislation provides for the possibility of registering a car if it has foreign license plates. To avoid fines, you need to know the intricacies of compulsory motor liability insurance for cars with foreign registration.

In what situations is registration required:

• the non-resident planned a long stay in Russia and the use of his own car brought from abroad;
• to a foreign citizen it is required to cross the country, but its goal lies outside the territory of Russia;
• a resident of the country has received a car in any way that is registered abroad, and the person plans to use it within Russia without changing the registration.

In all situations, the purchase of an insurance policy is required if you plan to use vehicles that are registered abroad. The only exceptions are cars that are used by authorized persons on a diplomatic mission and consular cars.

In this case some additional documents:

• documents for registering a car in any country, as well as their translation into Russian, and the translation must be notarized;
• foreign passport of a non-resident.

At the same time, registration of compulsory motor liability insurance does not require a technical inspection, so you can purchase insurance without a coupon. If the duration of the Green Card expires, it can be extended, but this will entail additional expenses.

It is much cheaper to immediately buy compulsory motor liability insurance for the period of the car’s stay, since the shorter the duration of the contract, the higher the interest rate.

Helpful advice!

To be able to issue a policy lasting from 15 days to 1 year, you will need a diagnostic card with a Russian sample. A certificate confirming that it has undergone maintenance in another state in which the vehicle was registered is also suitable. It is important to have a high-quality translation into Russian so as not to encounter problems of a formal nature.

The basic tariff for cars with foreign registration is 1980 rubles. To calculate the actual cost, you need to multiply the tariff by the insurance duration factor and its power factor.

For how long can you apply for compulsory motor liability insurance? The maximum validity period is 1 year. It is worth noting that this option is the most profitable, you do not have to overpay.

When purchasing for a shorter period of time, you have to overpay as a percentage, although the total amount payable will fall. For example, to purchase a six-month policy you will have to pay 70% of the cost of annual insurance. This provides a one-time saving of 30%, but with a further purchase for another six months, the total overpayment will be 40%.

The advantage of taking out annual insurance is that even if the cost of the service increases, the price for you will be fixed and no additional costs will be required. If you plan to issue a temporary contract, it is recommended to find out in advance the cost of insurance for a year in order to extend the compulsory motor liability insurance if necessary.

Let's consider the ratio of the cost of temporary policy registration in months in relation to the annual cost:

• 3 - 50 %;
• 4 - 60 %;
• 5 - 65 %;
• 6 - 70 %;
• 7 - 80 %;
• 8 - 90 %;
• 9 - 95 %.

Thus, when taking out a policy for 9 months, you can save only 5% of the amount.

Similar conditions are needed, for example, for the following motorists:

• Using transport only during the warm season. They usually need MTPL for 6 months.
• Planning to sell a car in the near future. In this case, a policy of three months or even less may be required.
• Frequently traveling on business trips and so on.

In general, there are many cases where compulsory motor liability insurance is required for 1 month or a slightly longer period. Current legislation allows you to issue such insurance for cars.

There are two exceptions to this rule:

1. A car insurance contract can be concluded for a period of up to 20 days in cases where, after purchasing a vehicle (purchase, donation, inheritance, etc.) new owner transports the car to the place of registration or technical inspection.
2. It is allowed to issue compulsory motor liability insurance for a period of 6 months with an extension of the contract (additional insurance) for 1. Similar conditions apply to motorists who use transport only during a certain season.

In other cases, the minimum duration of insurance is 3 months. The rules for its registration and conditions remain practically unchanged.

To sign up for a 90-day contract, you must complete the following steps:

1. Contact the insurance company with a statement indicating this minimum time period.
2. Provide the car owner's passport.
3. Documents for vehicles.
4. A document confirming ownership of the vehicle.
5. Driver's licenses of all persons who will be allowed to drive a vehicle.

If a car owner decides to take out MTPL for 3 months, then he will have to pay 50% more for insurance.

When calculating how much insurance costs, you must be guided by the following coefficients depending on the number of months:

• 3 – 0,5;
• 4 – 0,6;
• 5 – 0,65;
• 6 – 0,7;
• 7 – 0,8;
• 8 – 0,9;
• 9 – 0,95.

Insurance forum → Insurance agent forum → Period of use of a vehicle under compulsory motor liability insurance - can it be divided

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1 Topic by Petrov 2012-12-13 17:35:32

Petrov

Where: Saint Petersburg

On the forum with 2011-01-28

Messages: 561

Topic: Period of using a vehicle under compulsory motor liability insurance - can it be divided

In the process of discussing the topic of recommendations to insurance agents “On the procedure for applying MTPL insurance rates (issuing a policy),” an interesting question arose about whether it is possible to divide the period of use of a car or other vehicle when concluding a MTPL agreement?

2 Reply from sermi 2012-12-13 12:59:45

sermi

Inactive

• On the forum with 2012-12-13
• Messages: 1

Re: Period of use of a vehicle under compulsory motor liability insurance - can it be divided

Note: The period of use cannot be divided, i.e. is continuous for 3 or more months.

From personal experience there was a situation with a “minimum” period of limited use of a vehicle “less than 3 months.”
There was a period of use of 4 months, I asked for an additional period of 1 month. (4+1 months) – instead of 1 month. they imposed 3, and even with the same coefficient as for “new” 3 months. (That is, I would pay not as for the total 7 months - 0.8, but 1.1 (0.5 + 0.6) - more than for the whole year!).
I had to go to the appellate court.
Please note that the decision of the court of first instance in my case was upheld on appeal. complaint without satisfaction only due to the fact that at the time of consideration the MTPL agreement had ceased to be valid, which excluded the possibility of introducing an additional period of use retroactively (which I understood perfectly well and did not insist on).
But I achieved the main thing - the reasoning part states that the defendant’s actions (refusal) are unlawful, and the conclusions of the trial court are unfounded. And most importantly, it is indicated: “that the provisions of Art. 16 Federal Law“On compulsory civil liability insurance of vehicle owners” does not contain any indication of the continuity or indivisibility of the period of limited use of the vehicle during the year.”
That is, the period of “limited use” of a vehicle (3 months or more) is not continuous and indivisible, it can be specified in parts, but the duration of each individual period of use and their number are not regulated. The total period of use of the vehicle during the year (the validity period of the MTPL agreement), even 1+1+1 months, must be taken into account, as long as all the indicated periods of use of the vehicle in total amount to 3 or more months. Incomplete month usage, in this case, is rounded to the full.

A coefficient insurance tariff depending on the period of use of the vehicle (Ks), to calculate the insurance premium, one should apply (take the value of the coefficient) based on the amount of periods of use specified in the contract (policy), which, as stated above, will always be 3 or more months in a calendar year.

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Validity period of OSAGO

The period of time during which a driver who has purchased a policy can expect to receive payment after an accident is called the validity period. On the territory of the Russian Federation, the most common period of liability insurance is 1 year. However, few people know that insurance can be purchased for a shorter period.

In this case, its cost will be reduced in proportion to the period. What is the minimum insurance period established by law? It depends on which of the three categories the car is classified into. There are only three categories:

1. Cars that are used only in Russia. Such cars can be insured for a period of at least 3 months. Typically, this period is chosen by drivers who use a personal car for one season, for example, spring and summer (in order to go to the country).
2. Cars with transit license plates. Insurance in this case, on the contrary, cannot be more than 20 days. It's called temporary. During this period, the driver usually removes or registers the car with the traffic police.
3. Cars with permanent registration abroad. Usually these are cars of travelers from neighboring countries. They can insure the car for a period of no less than 5 and no more than 15 days. Even if the traveler plans to enter for only one day.

Validity period of the MTPL policy and period of use of the vehicle

It is worth noting that MTPL policies concluded for any period will always have a mark of 1 year. The number of months is prescribed separately and is called the period of use, which is actually the period during which the driver will use the car.

For example, a driver buys insurance for three months. He can choose a month in summer, a month in spring and a month in winter. How convenient for him. Accordingly, the insurance policy will cost less if you take it out for such short periods. However, if you compare the cost of an annual policy per month and a limited one for 3 months, then an annual one will cost less.

So, how much will the driver save if the period of use is 3 months? The coefficient will be 0.5. To see the full table of coefficients, consider Figure 1.

When concluding an insurance contract, you must always clearly monitor its validity period and expiration. The law establishes a fine of 500 rubles for an expired policy.

It is possible to extend the validity period of compulsory motor liability insurance, which is limited by periods. It is absolutely not necessary to register every time new policy, because, as we have already found out, this can be very unprofitable. If such a need arises, in most cases it is better to purchase a policy for the whole year at once.

A short video will tell you more about these two concepts:

Preferential month under OSAGO

Any MTPL policy tends to end someday. Many drivers believe that after the insurance period expires, it is automatically extended for another year and you can continue to drive safely, paying for the next year in the near future. Some motorists believe that after the expiration of the policy they have a “grace month”, something like a “bonus” period that the insurer provides to the driver.

You should be seriously wary of such misconceptions. The rule, according to which the policy was extended for one month in the absence of a refusal by the policyholder, was in force until 2008. Currently, after the expiration of the policy, the driver has no right to drive a car. Such a violation is subject to a fine and confiscation of numbers, and this is a very unpleasant procedure. In addition, in the event of an accident due to his own fault, the motorist will be liable with his own financial resources.

Thus, the legislation does not provide for such benefits and the driver should wisely plan the period of insurance and use of his car in advance.

OSAGO and period of use with a gap

Hello. Please tell me. I insured the car under compulsory motor liability insurance for 3 months (then I left for 2 months, the car was parked) and paid 0.5 of the annual period. The period of use has ended. I’m trying to extend it now for another 3 months, but they tell me that because... period with a gap, and I did not warn the insurance company, then I have to pay 0.5 again for 3 months. I read the law on compulsory motor liability insurance, but I couldn’t find anything like that anywhere. Is the insurance company right? As I understand it, the period of use of the thing is absolutely voluntary, you need to extend the trip. No need, don't go. Why does it turn out that for 6 months within one contract I will pay as much as for a year?

Lawyers' answers (1)

Ask your insurance company to calculate your insurance premium.

Regulations on the rules of compulsory civil liability insurance of vehicle owners, approved. Bank of Russia No. 431-P dated September 19, 2014
Chapter 2. Procedure for payment of insurance premium
The policyholder has the right to demand from the insurer a written calculation of the insurance premium to be paid. The insurer is obliged to submit such a calculation within three working days from the date of receipt of the corresponding written application from the policyholder.

Then, with a response from the insurance company, file a complaint with the Bank of Russia through the online reception.

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What is the period of validity of the policy and the period of insurance for compulsory motor vehicle liability insurance?

The term OSAGO means Compulsory insurance Automotive Liability. After purchasing an insurance policy, a person becomes insured against situations related to a vehicle that occur on the territory of the Russian Federation, due to which damage is caused to property, life and health of people.

For example, if you are the culprit of an accident and crash someone else’s car, the insurance company will pay compensation to the injured person instead of you.

In the article we will tell you for how long you can apply for compulsory motor liability insurance and whether it is worth doing it at all, and you will also find out what the period of use of a car (vehicle) is, what it is specifically in compulsory motor liability insurance and how to make a policy.

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How long is the policy valid?

If you have just bought a car, then the validity period of the MTPL policy for it will be 1 year. But it may change due to various factors– driving experience and age of the vehicle owner. The term of the MTPL policy may be shorter if the car owner plans to use the car, for example, only in the summer or spring. This is very convenient for summer residents, tourists and others who do not use a car all year round.

Quite often, car owners take out an MTPL policy for a period of three months. This option is suitable for people who often change their vehicle, sell a car, or do not use it all year; in this case, you can insure for a short period. Anyone can take out such a policy. It costs two times less than a regular one, which is issued for a year. If necessary, the car owner has the opportunity to purchase a MTPL policy for 6 months. In this case, its cost will be 70% of the annual insurance.

For six months, the car owner will have to pay monthly for insurance, and its cost will remain the same, even if there are changes in tariffs.

The question is, “for how many days can you issue compulsory motor liability insurance?” appropriate, because the period of its validity can be calculated in months and even years, and few people know that the more the cheaper.

In order to register a vehicle, the policy must remain valid for at least 3 months. In other words, you will issue it for 1 year, but the policy will be valid for 3 or 6 months. Under such circumstances, the cost of compulsory motor liability insurance will be 40% of the cost of annual insurance.

There is also so-called transit insurance, which is valid for 20 days. However, in this case you will not have the opportunity to register the car.

What is the period of use of the car?

The period of use of the vehicle is indicated in the policy in the upper right corner of the document, immediately after the “Validity period of the MTPL agreement”. The the indicator means exactly how many months a person will use his vehicle. Throughout the entire period, the insurance company will be required to bear responsibility for it.

If you are going to use the car throughout the year, then the period of use of the vehicle will coincide with the validity period of the insurance policy.

It is worth noting that the shorter the period of time a car owner takes out insurance for his car, the more it will cost him. Therefore, when answering the question “for how long can you insure a car under compulsory motor liability insurance”, I would like to note that the more, the better and more profitable for you. A person can insure a vehicle for several months, but if desired, he can always increase the coverage of the insurance.

Calculation method

There is a basic cost of an MTPL policy for passenger car, and it amounts to 4118 rubles.

You can calculate the total cost of the MTPL policy yourself using the formula:

Let's take a closer look at the meaning of these coefficients:

CT– territorial coefficient. It is determined in accordance with the place of residence of the car owner.

KBM– this coefficient means a so-called discount for the car owner if he did not receive payments due to an accident in previous insurance periods.

Kvs– a coefficient, the size of which depends on the age of the car owner, as well as on his driving experience.

What is the minimum period of MTPL insurance?

In some cases, the driver is interested in insuring his car not for the entire calendar year, but for a shorter period. This may be in his interests when it comes to selling the vehicle soon. Therefore, drivers are interested in the minimum period of MTPL insurance when taking out in 2018.

Taking out a short-term policy is an opportunity to save money. The minimum period of OSAGO 2018 is 3 calendar months . This rule applies to residents of the country.

When paying for 3 months of the policy, keep in mind that the insurance is still valid for the whole year. This option is specified in the concluded contract. This means that you can extend your current policy at any time.

In this case, it is necessary to distinguish between the validity period and the period of use of the insurance policy. The period of use of the MTPL insurance policy is always exactly 1 year. The validity period of the insurance depends on the period of time for which the policy was paid. Drivers often confuse these concepts and find themselves in unpleasant situations.

You will be fined for driving a vehicle while using compulsory motor liability insurance if the insurance period is not extended.

Minimum period of compulsory motor liability insurance for individuals and legal entities

According to the MTPL policy, the minimum insurance period for 2018 varies for individuals and legal entities. The former can count on 3 months, and for the latter, this is a minimum period of 6 months for obtaining insurance. At the same time, the transport that can be insured by a legal entity is prescribed separately: special, harvesting and agricultural equipment.

Special cases

At the legislative level, minimum insurance periods are separately prescribed in exceptional cases. These options apply to the following situations:

• If the car goes to the traffic police department for registration in the database and further use of the vehicle on the country's roads, then in this case the minimum allowed period for registration of compulsory motor liability insurance is 1-20 days.
• A 20-day insurance period is provided for the movement of vehicles within the country to undergo technical inspection and registration.

The minimum period of MTPL insurance in 2018 for foreigners who come to the Russian Federation is also considered separately. If the car does not have official registration in Russia, then the driver has the opportunity to open an insurance policy for a minimum period of 5 days. The maximum validity period of the MTPL policy will be 15 days. As for the cost of MTPL insurance, it will be the same regardless of the time the car remains on the roads of the Russian Federation.

Calculation of the cost of compulsory motor liability insurance when taking out a policy for a minimum period

If payment is made for an incomplete calendar year, then the calculation coefficient must be taken into account. For example, a three-month policy will cost 50% of the cost of annual insurance.

The MTPL insurance policy is mandatory document when operating a vehicle. You can obtain insurance at any branch of an insurance company operating in the region.

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When calculating the cost of a policy, a large number of both increasing and decreasing factors are taken into account. Read more about the parameters for determining cost.

Which ones are used in calculations and their interpretation

The cost of MTPL insurance is determined based on the following formula:

S=T* KT * KBM * KVS * KO * KM * KS * KN * KP,

T	government-set base rate
CT	coefficient depending on the region of vehicle registration
KBM	bonus-malus coefficient, which is determined for each driver individually
PIC	coefficient regulating the ratio of age and driving experience of a person admitted to driving a vehicle
KO	coefficient, the value of which depends on the number of drivers indicated in the insurance policy
KM	coefficient depending on the power of the insured vehicle
KS	parameter that determines the seasonality of car use
KN	coefficient that applies exclusively to drivers with gross traffic violations
KP	coefficient depending on the period for which the insurance policy is issued

The value of the base tariff is determined by the maximum and minimum cost. A specific indicator is set by each region individually, but within the provided corridor.

KBM

The bonus-malus coefficient (or abbreviated as BMC) is a parameter that is determined individually for each driver and reflects accident-free driving.

Depending on the number of accidents, the value of the coefficient may lead to a discount on insurance or an increase in cost.

When applying for an insurance policy, an insurance company employee is obliged to clarify the value of the driver’s insurance policy and all persons admitted to driving according to the RSA (Russian Union of Auto Insurers) database. It is in this database that information about drivers is stored.

The value of KBM is 1 if:

• a person who has just received a license is included in the insurance policy for the first time;
• insurance is issued for the period of travel of the vehicle to the place of registration;
• Motor vehicles registered in the territory of another state are insured.

In other cases, the value of the OSAGO bonus-malus coefficient is determined according to the table:

For example, a third-class driver (KBM = 1) has never been the culprit of an accident in a year of using a vehicle. The next year the person will be assigned class 4 and given a discount of 5% (CBM = 0.95).

If a driver with a single coefficient once caused an accident, then the next year he will be assigned class 1 with a BMC value of 1.55.

In case of two or more accidents, the driver is assigned the smallest class (M) and the coefficient value increases to 2.45.

When determining the value of the MTPL break-even ratio, the following rules are used:

• if an insurance policy is issued and a certain number of permitted drivers are issued, then the highest value of the coefficient is used for calculation;
• if insurance is issued without limiting the number of drivers, then the class and coefficient value are determined by the owner of the vehicle.

Territories

The territory coefficient is determined depending on:

• from the region of residence of the owner of the vehicle, if the vehicle is registered to an individual;
• from the region of registration legal entity, if the owner of the vehicle is an organization.

The value of the territory coefficient is fixed at the legislative level. The highest value is in cities - megacities, and the lowest - in cities with small populations.

This parameter determines the general emergency situation in a particular region (region, city). For example, in Moscow, Perm, Tyumen, the value of the coefficient is maximum and is 2. In the Chukotka Autonomous Okrug, Magadan and Kurgan regions, the territory coefficient is 0.6.

Acquainted with full list all coefficient values ​​can be found in .

By car power

The cost of compulsory motor insurance is also determined by a coefficient depending on the power of the insured vehicle. You can find out the power of your car from the vehicle passport.

If the power is indicated in kW, then the following formula is used to convert to horsepower:

1kW=1.35962hp

The values ​​of the horsepower coefficient for compulsory motor liability insurance are presented in the table:

Thus, the smallest coefficient parameter is provided for low-power vehicles, and the largest - for cars with a power of more than 150 hp.

This parameter also determines the possibility of traffic accidents.

Driver age and experience

Parameters such as the driver’s age and driving experience are important when calculating the cost of a car license. It is believed that the younger and more inexperienced the driver, the greater the chance of getting into an emergency on the road.

In order to minimize the risks of the insurance company when allowing a young, inexperienced person to manage, an age-experience coefficient has been introduced.

The maximum value of coefficient (3) is achieved under the condition of age up to 22 years and work experience of less than 3 years. The minimum coefficient value is 1 (for persons over 22 years of age and having a driving license for more than 3 years).

Up and down after an accident

The role of the increasing (decreasing) coefficient assigned to the driver after road accidents is the bonus-malus coefficient, discussed in detail earlier.

Wear parts

The wear rate of parts is taken into account by insurers not when calculating the cost of a vehicle, but when determining the amount of damage received after a road accident.

According to existing legislation, the amount of insurance payment is determined taking into account the natural wear and tear of the main components of the vehicle.

It should be noted that this rule applies exclusively to those parts that, in the opinion of experts, must be replaced and cannot be repaired.

Currently the maximum wear is 50%. It is believed that every year a car wears out by 8% - 15%, depending on engine power and mileage.

For example:

• when calculating the damage, it was established that the car was worn out by 35%;
• the bumper was damaged as a result of a road accident;
• the cost of a new bumper is 8,000 rubles.

The amount of compensation for the bumper, taking into account wear and tear, will be 8000 - 8000/100*35 = 5,200 rubles.

To determine the amount of damage, a unified methodology has been developed, which all insurance and expert companies are required to use.

You can make the calculation yourself online on the RSA website. To do this you will need the following data:

• date of the accident (it is on this date that the calculation should be made);
• region of residence;
• car make;
• number of the part required for replacement.

• the cost of work necessary to completely restore a car after an accident;

• cost of additional materials.

Violations

For gross violations of insurance rules and traffic rules, the driver may also be subject to a new MTPL coefficient for traffic violations, the amount of which is 1.5.

The following are considered rude:

• providing the insurance company with knowingly false information regarding the owner (driver) of the vehicle or the circumstances leading to the road accident;
• intentional assistance of the driver in causing an accident;
• deliberate overestimation of damages, increasing the amount of insurance payment;
• alcohol or drug condition of the driver at the time of the accident;
• the driver who caused the road accident does not have a driver’s license;
• intentionally leaving the scene of an accident;
• driving a car by a person not included in the insurance policy;
• driving a vehicle during a period not covered by the motor vehicle license.

In all other situations, the coefficient value is 1.
A separate insurance history is maintained for each driver. The history reset period is 1 year.

That is, if the driver has the violations indicated above, then in order for the increasing coefficient not to be applied, the person should not be listed in any insurance policy for 1 year.

The solution may be to issue a car license with an unlimited number of drivers.

Scope of transport

The cost of a vehicle is also influenced by such a parameter as the possibility of using a car with a trailer. The increasing coefficient is determined based on the type of vehicle and the category of the owner.

For cars used as taxis, the cost of the vehicle license is calculated according to individual rules.

In this case, an increasing factor is applied, which increases the cost of the vehicle title by approximately 1.5 - 2 times.

Seasonality

Existing legislation allows you to obtain a motor vehicle license for a period of 3 months to 1 year.

You can apply the seasonality factor if:

• the car is used exclusively at certain times of the year (for example, for driving to the country);
• a long business trip is planned next year;
• long-term treatment and rehabilitation are planned, and so on.

The coefficient values ​​depending on the time of use of vehicles are presented in the table:

That is, if a personal vehicle is supposed to be used during 3 summer months, then pay for a car license with other equal conditions it will take 50% less and so on.

OSAGO coefficient table

In addition to the coefficients considered, when calculating the cost of a car title, the following are used:

• insurance period coefficient;
• coefficient based on the number of persons allowed by the owner of the vehicle to drive the vehicle.

A coefficient depending on the insurance period can be used if the validity period of the insurance policy is limited to more than a year (standard period). And a different time period.

A limited period of insurance occurs if:

• the car was purchased in one region, but it must be registered in another region. Since it is prohibited to use motor vehicles without a vehicle license, you can take out a policy with a limited period of validity;
• the car is registered in the territory of another state, but is used to travel within the territory of the Russian Federation.

The coefficient values ​​depending on the policy period are presented in the table:

A motor vehicle license can be issued subject to:

• limited circle of drivers allowed to drive;
• unlimited circle.

If the circle of drivers is limited and the data of all drivers is known, then the coefficient is equal to 1, since in this situation the bonus-malus parameter is applied.

If insurance is issued with an unlimited list of persons allowed to manage it, then the coefficient parameter increases to 1.8.

In this way, insurance companies minimize the risks associated with inexperienced drivers, the presence of gross violations of the law by some individuals, and so on.

Rules for application and validity period of increasing values

How long does the MTPL increasing coefficient last after an accident? The standard period of insurance policy is 1 year, and the year does not begin on January 1 and does not end on December 31.

The validity period of the auto insurance policy begins immediately on the day the policy is purchased and ends 1 day earlier, but after 1 year. Therefore, the values ​​of increasing or decreasing coefficients are also valid for 1 year.

The values ​​of all coefficients used in calculating the cost of motor vehicle insurance, including basic tariffs, are regulated by law and cannot be changed by insurers independently.

The use of all considered coefficients is mandatory. Otherwise, penalties may be imposed on the insurance company.

What does the territory coefficient depend on?

The Law on Compulsory Motor Liability Insurance stipulates that when determining the territory coefficient, the following are taken into account:

• place of registration of the owner of the vehicle (for individuals);
• place of registration of a legal entity or its branch.

All values ​​of the coefficient, depending on the territory of registration of the owner, are determined by law and cannot be changed under any circumstances.

The values ​​of the territorial coefficient are determined based on the following parameters:

• number of registered locality Vehicle. The more cars there are in a region, the higher the traffic congestion and the higher the coefficient parameter;
• accident rate in the region. For example, harsh weather conditions in the north lead to more accidents than in the south of the country.

How to find out

Knowing the formula for calculating the cost of compulsory motor liability insurance and all the required coefficients, you can make the calculation yourself. The only problem arises with determining the bonus-malus coefficient.

If the driver has extensive experience, then it is quite difficult to use the table given above, since not everyone knows in what period of time the insured events occurred.

You can determine or check the MTPL accident-free rate using the RSA database.

To do this, you need to fill out a simple form on the organization’s website, indicating:

• what category does the owner of the car belong to (legal entity or individual);
• what kind of insurance policy is concluded (with a limited or unlimited list of drivers allowed to drive vehicles);
• Full name of the driver for whom the KBM needs to be determined;
• driver's date of birth;
• driver's license number, which must be indicated on the vehicle registration form;
• the start date of the policy.

As a result of the check, one of the following messages may be received:

• the value of the coefficient for the specified driver is so much. This means that information about the driver is in the database of the auto insurers union;

Additionally, information will be provided on the details, the expiration date of the current insurance policy, as well as the insurance company in which the car license was registered.

• coefficient value for of this person not found. The driver was assigned class 3 and KBM=1.

The last message may be received as a result:

• errors when entering data. To check the result, it is recommended to try again or use another site to determine the coefficient;
• processing errors (system failure). You can fix it using the method indicated in the previous paragraph;
• lack of information about the driver in the RSA database (for example, due to the fault of the insurance company that did not transmit the information);
• replacement of a driver's license in the current period;
• liquidation of the insurance company with which the car insurance contract was concluded.

If the bonus-malus coefficient is indicated incorrectly on the website of the Union of Auto Insurers, you can go through the procedure of restoring the correct value of the parameter.

For this:

1. It is necessary to go through a check on the RSA website for several previous dates, and find out exactly where the parameter was reset to zero;
2. Find previous insurances indicating the correct parameters (if saved);
3. Submit a written application to the insurance company. Additionally, you can contact the RSA and the Central Bank, which controls the activities of insurance organizations. The document must indicate the reason for the request and describe the essence of the problem in as much detail as possible. A sample application can be found on the RSA website or on the insurance company website. The application must be accompanied by:
   a copy of the applicant's passport;
   a copy of a valid driver's license;
   copies of insurance policies for previous years (if available) or scans of requests to the RSA.

The maximum time for consideration of an application is 30 days from the date of receipt of the document. If a response is received within the specified period and the BSC is changed, then the problem is completely resolved.

If an answer is not received, then to restore the correct value of the bonus-malus coefficient it is necessary to go to court.

Thus, you can calculate the cost of a car insurance policy yourself, knowing the basic tariffs in force in the region of residence of the vehicle owner and the values ​​of all coefficients that increase or decrease the total cost of the policy.

To calculate, you can use the simplest formula or online programs that are presented on the websites of insurance companies.

Video: OSAGO Part 3 Boris Calculation tariffs coefficients

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