Is there a discount for pensioners on car insurance?

MTPL benefits for pensioners and disabled people in 2019 - How is it calculated and where can I see the discount on the MTPL policy?

When purchasing an insurance policy, each time you want to save your money, since often the price for this document is a third of the entire cost of the vehicle itself. In this article we will discuss how to check the maximum discount for compulsory motor insurance in the discount database, who is provided with benefits and what else can affect the pricing of the policy.

Where to look and how to find out your MTPL discount

For drivers of category “B”, the price of the policy consists of many coefficients, which are calculated individually based on the following formula:

T = TB * CT * KBM * KVS * KO * KM * KS * KN, where:

T – insurance premium that is payable when taking out a policy;

TB – basic tariff, limited by minimum and maximum values;

KBM – accident-free driving coefficient;

KVS – age and experience coefficient;

KO – open policy coefficient;

KM – engine power factor;

KS – period of use coefficient;

KN – coefficient of violations.

Each of these values ​​has its own impact on the cost of your policy. I propose to consider each separately.

1 Basic tariff

The basic tariff for vehicles of categories “B” and “BE” in 2019 is:

for legal entities – from 2,058 rubles to 2,911 rubles;

for individuals and individual entrepreneurs – from 2,746 rubles to 4,942 rubles;

for use in a taxi – from 4,110 rubles to 7,399 rubles;

As we see, in different situations the calculation begins with different amounts, which in turn affects the pricing of the policy.

The most significant coefficient is Bonus-Malus, since it can either reduce or increase the cost of your insurance significantly. The official database of MTPL discounts is contained on the RSA website, where you can directly check your coefficient.

To determine the KBM we need to provide the following data:

Number of persons in the agreement;

Passport details of the car owner;

Full name and date of birth;

If the policy is unlimited, then the vehicle data;

Start date of the contract;

If you specify all the data, a table will appear below, which will indicate the coefficient in relation to this policy, for the previous insurance, the name of the previous insurer and the number of insurance claims.

You can change your insurance company when your policy expires without losing your MTPL discount. The official database is uniform for all insurers of the Russian Federation, therefore any insurance company has access to your KBM.

Now let's move on to the question of how the discount coefficient for MTPL insurance is calculated. Bonus-Malus calculation is carried out in accordance with a single table, which we discussed in the article “driver class”. The main principle of its operation is to increase or decrease the size of the coefficient according to the number of accident-free years.

A discount on compulsory motor third party liability insurance is awarded once a year in the amount of 5%. If there were insurance claims during the insurance period, then, based on the table, the class will be reduced. If there has not been a single insurance claim for 10 years or more, you can purchase an MTPL policy with a 50% discount.

3 Age and experience

The age of the driver also has an impact on the cost of the policy. The less experience and age of the driver, the higher the coefficient will be. The maximum value is 1.87, the minimum is 1.

4 Open policy ratio.

Everyone has long known that limited insurance costs the policyholder less than unlimited insurance. However, for some types of vehicles, such as motorcycles, there is not much difference in price.

5 Engine power

Less powerful engines (up to 50 hp inclusive) have the lowest coefficient - 0.6, the maximum value of the coefficient is 1.6 with a power of 150 hp or more. and higher.

6 Period of use

As always, the less you use your vehicle, the lower the rate will be. This option is perfect for seasonal vehicles: motorcycles, cars for a summer residence, etc.

7 Violation rate

We discussed this value in the article “MTPL coefficients”, but here it should be indicated that if you commit a serious violation, you will be assigned a coefficient of 1.5.

How to return a discount under compulsory motor liability insurance if the insurer did not provide it

Separately, I would like to consider the option when you know for sure that you had a small BMR coefficient, but the insurance company employee does not provide you with a discount. There are a number of reasons for this:

Change of license, the MTPL discount has disappeared. To prevent this, after changing your driver’s license, you should notify your insurer of the need to make appropriate changes to the database, otherwise the discount will disappear, and the cost of insurance will increase accordingly;

An error was made when filling out by the operator. Carefully check the completed policy, as all data is entered into the database from it. If a typo is made when transferring information, the fault will be entirely with the insurance company employee;

The insurance company went bankrupt. In this case, you should require restoration of the coefficient through PCA.

Are there discounts on MTPL for pensioners and disabled people?

In any industry there are always certain benefits for certain categories of the population. Often these are pensioners and disabled people. As for insurance, there are no MTPL benefits for pensioners in 2019.

As we already know, civil liability insurance in our country is mandatory for everyone who owns a vehicle. According to Article 17 of the Federal Law of April 25, 2002 No. 40-FZ, benefits for the MTPL policy for disabled people of groups 2 and 3 are provided, but only if the following conditions are met:

A disabled person must own a vehicle for medical reasons and use it independently;

If a child is disabled and cannot drive a vehicle, then this right is granted to his legal representative;

In addition to the disabled driver (legal representative), two more people can drive the car, but no more.

Compensation for compulsory motor liability insurance is provided to such persons in the amount of 50%. In other words, you initially purchase a policy at full cost, after which you receive compensation payments.

Disabled persons (including disabled children) who have vehicles in accordance with medical indications, or their legal representatives, are provided with compensation in the amount of 50 percent of the insurance premium they paid under a compulsory insurance contract.
(as amended by Federal Law No. 306-FZ of December 1, 2007) The specified compensation is provided subject to the use of the vehicle by a person entitled to such compensation, and along with him by no more than two drivers.
(paragraph introduced by Federal Law No. 306-FZ of December 1, 2007) Compensation of insurance premiums under a compulsory insurance agreement is an expense obligation of the Russian Federation.
(as amended by Federal Law No. 199-FZ of December 29, 2004) The Russian Federation transfers to the government bodies of the constituent entities of the Russian Federation the authority to pay compensation to disabled people for insurance premiums under the compulsory insurance contract established by this article.
(paragraph introduced by Federal Law of December 29, 2004 N 199-FZ) Funds for the implementation of transferred powers to provide these social support measures are provided in the federal budget in the form of subventions.
(as amended by Federal Laws dated December 29, 2004 N 199-FZ, dated May 7, 2013 N 104-FZ)
The amount of funds allocated to the budget of a constituent entity of the Russian Federation is determined based on the number of persons entitled to the specified social support measures, as well as from the amounts of insurance premiums calculated in accordance with this Federal Law.
(paragraph introduced by Federal Law No. 199-FZ of December 29, 2004) Subventions are credited in the manner established for the execution of the federal budget to the accounts of the budgets of the constituent entities of the Russian Federation.
(paragraph introduced by Federal Law No. 199-FZ of December 29, 2004) The procedure for spending and accounting for funds for the provision of subventions is established by the Government of the Russian Federation.
(paragraph introduced by Federal Law of December 29, 2004 N 199-FZ) State authorities of the constituent entities of the Russian Federation submit quarterly to the federal executive body responsible for developing a unified state financial, credit, and monetary policy, a report on the expenditure of provided subventions indicating the number of persons with the right to the specified social support measures, categories of recipients, as well as indicating the amount of expenses incurred.
If necessary, additional reporting data is submitted in the manner determined by the Government of the Russian Federation. (paragraph introduced by Federal Law No. 199-FZ of December 29, 2004) Funds for the implementation of these powers are targeted in nature and cannot be used for other purposes.
(paragraph introduced by Federal Law No. 199-FZ of December 29, 2004) If funds are not used for their intended purpose, the authorized federal executive body has the right to recover these funds in the manner established by the legislation of the Russian Federation.
(paragraph introduced by Federal Law of December 29, 2004 N 199-FZ) Control over the expenditure of funds is carried out by the federal executive body exercising functions of control and supervision in the financial and budgetary sphere, the federal executive body exercising functions of control and supervision in the field of healthcare and social development, the Accounts Chamber of the Russian Federation.
(paragraph introduced by Federal Law of December 29, 2004 N 199-FZ) State authorities of the constituent entities of the Russian Federation have the right to vest, by the laws of the constituent entities of the Russian Federation, local government bodies of settlements, municipal districts and urban districts with the authority to pay disabled people compensation for insurance premiums under the compulsory insurance agreement established by this article. (paragraph introduced by Federal Law dated December 25, 2008 N 281-FZ)

Part 1 of Article 17 of the Federal Law of April 25, 2002 No. 40 - Federal Law

In order for compensation to be provided, it is necessary to collect and provide the following set of documents:

Benefits for pensioners when applying for compulsory motor liability insurance in 2019

Current legislation classifies compulsory motor liability insurance as a compulsory type of insurance. For vulnerable categories of the population, including people with disabilities, discounts are provided when drawing up such an agreement. As part of this article, we will analyze the benefits that can be provided to pensioners in this industry in 2019. We’ll also talk about the category of vehicles for which it is not necessary to purchase insurance.

What are the dangers of driving without insurance?

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There is liability for driving vehicles that are operated without compulsory motor liability insurance. Such a violation is punishable by a fine. In 2018, its size ranges from 500-800 rubles. A similar penalty may be applied for an expired policy; an invalid document is a situation equivalent to its complete absence.

The second important point is liability in the event of an accident. If there is no policy, the injured party will not receive compensation for damage. And if a person is the culprit of an accident, then he will have to cover the damages of all injured persons from his own pocket. Registration of compulsory motor liability insurance is an opportunity to protect yourself from unforeseen expenses in the event of an accident.

Attention! Traffic police officers can fine you for an expired compulsory motor liability insurance policy or for its absence, in the amounts provided by law, an unlimited number of times.

For which vehicles is compulsory motor liability insurance not provided?

Art. 4 in paragraph 3 of the Federal Law “On Compulsory Motor Liability Insurance” defines the category of transport that is not subject to insurance.

So, liability in the absence of insurance does not apply to the owners:

• Vehicles whose speed is below 20 km/h.
• Equipment that belongs to the military departments of the Russian Federation.
• Vehicles if their engine capacity is below 50 cc.
• Transport registered outside the Russian Federation.
• Cars for which insurance is issued in other countries.
• Equipment that moves without the help of wheels.

On a note! The absence of compulsory motor liability insurance for a specific vehicle, which by law must be insured, is not punishable only on the condition that the car is not in use. If it is in a garage, workshop, or parking lot, there is no fine.

Are there any MTPL benefits for all pensioners in 2019?

Benefits when applying for compulsory motor liability insurance are not provided for all pensioners. Must belong to a preferential group. Compensation is calculated according to a special scheme. In 2019, there are no discounts on insurance for the second category of citizens. Before this, an applicant of retirement age can count on compensation for a third or half of the cost of the policy.

And if the budget for motor third party liability insurance does not cover benefits for pensioners, then when disabled people apply for compulsory motor insurance, the discount applies. They are compensated for part of the amount they pay when fulfilling the requirements of the legislative act on compulsory motor liability insurance.

Attention! So, those pensioners who have disabilities are entitled to receive insurance discounts in 2019. They are provided with benefits in the form of compensation.

Features of providing compensation payments under compulsory motor liability insurance as a benefit for pensioners with disabilities in 2019:

• Half of the amount paid under OSAGO is returned.
• Having pensioner status is not enough to receive benefits. The amount of the insurance premium, taking into account the discount, is calculated for persons who have a confirmed disability.
• The presence of groups 1, 2, 3 is the basis for providing compensation.
• The amount of the discount depends on the cost of the policy.
• Relief is granted no more often than once a year.

Both the category of beneficiaries and the amount of compensation may change. To understand whether you belong to the preferential groups of the population, study the free materials from the OSAGO help section. You can also contact the social security authorities to clarify the list of benefits for pensioners in your region.

How to calculate the cost of an insurance policy

Almost all articles talk about typical methods for calculating the price of a policy. It uses a complex, multi-level formula. But on most insurance websites, clients have access to calculators that calculate according to the standards included in the program.

We remind you! You can have your situation assessed by a lawyer - it's free! Call!

Parameters that are taken into account:

• age of the motorist;
• the applicant's driving experience;
• vehicle engine power;
• vehicle category;
• the number and type of violations of the applicant;
• car age;
• total insurance experience and number of contracts in a particular company;
• accident-free driving period;
• the amount of the insurance premium, which depends on the region of residence.

For reference! Bonus “malus” is a coefficient that characterizes the driver’s driving experience and accident-free period. Its good performance guarantees the applicant discounts when applying for insurance. The indicator is assigned not to the vehicle, but to the driver.

There is no coefficient in the formula that would be responsible for the discount. All policyholders pay full price for their policies. Next, beneficiaries receive compensation in the amount due to their discount category.

If there is no preferential category

As noted above, preferential categories of citizens are entitled to compensation. Pensioners do not belong to this group. That is why they can only count on a discount if they have a decent accident-free driving rate.

Attention! Beneficiaries are also given a discount on compulsory motor insurance for accident-free driving.

As part of local social policy, a discount on compulsory motor liability insurance can also be provided to pensioners without special status. To achieve this, appropriate laws must be adopted at the local level and funds allocated to the local budget. The program may include partial or full compensation of the cost of the policy.

If compensation is provided only by state and local authorities, then the discount may be guaranteed by the insurer. Companies often offer promotional offers for pensioners in order to attract customers. The conditions for granting relief must be clarified with the company itself.

What do you need to receive a discount for beneficiaries in 2019?

If there are preferential programs in the region of residence, and the applicant is entitled to compensation for compulsory motor liability insurance, then he needs to follow a certain procedure. The beneficiary must do the following:

1. Apply for a policy and pay for it.
2. Contact your local government to obtain a refund.
3. Receive money from the federal budget.

The required package of documents includes a copy of the policy and a passport. You will also need papers confirming your right to benefits. So, you need to provide the following documents to the regulatory authority:

1. Statement. It is handwritten by the applicant personally. You can also use the help of a legal representative.
2. Documents that determine whether the vehicle belongs to the property of the beneficiary.
3. A copy of the applicant’s passport + documents of the representative (if any).
4. A copy of the policy, insurance contract.
5. PTS.
6. A check confirming that the entire insurance amount has been paid.

To receive compensation funds this year, you must submit all papers by December 10. If the application is submitted later, the period for consideration, and, consequently, payment, may be delayed.

Is it possible to refuse compensation?

There are legitimate reasons for refusing to pay compensation under compulsory motor liability insurance. This may be one of the following reasons:

• incomplete package of documents;
• counterfeit papers;
• cancellation of the benefit of the corresponding category;
• the application was submitted after the deadline.

• Question 1: Can someone else get a discount on compulsory motor insurance instead of a disabled person?

  Answer: Refer to Art. 17 Federal Law No. 40, it states that the disabled person himself and his legal representative can receive compensation in the amount of 50% for the vehicle, which is due to the applicant for medical reasons.

  Question 2: Do combat veterans and labor veterans get a discount on compulsory motor insurance?

  Answer: In 2019, the list of benefits for veterans does not include any corresponding relief. They can receive a discount on the policy on a general basis for accident-free driving.

  Question 3: If the denial of compensation is unfounded, what steps can I take?

  Answer: Complaint to higher management. You can also file a lawsuit.

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  Discounts on MTPL for pensioners

  A significant part of each driver’s expenses is the cost of obtaining an MTPL insurance policy. You cannot refuse it, since this document is mandatory for every driver. In this regard, many drivers are looking for ways to save money on registration.

  

  This issue is especially of interest to people with low incomes. These include pensioners, people with disabilities and other categories of citizens with low wages. Let's figure out how you can save money when applying for compulsory motor liability insurance for citizens who fall into these groups, and whether it is possible to refuse compulsory motor liability insurance for disabled people or pensioners altogether.

  What are the penalties for driving without insurance?

  In 2019, violation of traffic rules related to the lack of an insurance policy is fraught with the following problems:

  1. For driving with a missing MTPL insurance policy, a fine of 500 to 800 rubles is imposed. Some may think that this amount is not very large compared to the price of insurance and can be ignored. However, here the following nuance comes into play - traffic police officers can fine you an unlimited number of times. Having a fine issued is not a reason to avoid a new one. Driving with an expired policy will be punished accordingly.
  2. The second problem with driving without a valid insurance policy is the possibility of getting into an accident. In this case, the driver who does not insure his car will be forced to reimburse all expenses at his own expense. And this, in most cases, results in an amount that exceeds the price of the policy several times.

  Important! The only case when a vehicle is not subject to a fine for lack of insurance is when it is in a garage or in a parking lot.

  As you can see from the above, you won’t be able to reduce your insurance costs by canceling the contract or cheating. However, there are legal ways to reduce the amount required.

  Categories of vehicles that do not require compulsory insurance

  

  These include the following types of transport:

  1. Cars whose maximum speed does not exceed 20 mph;
  2. Equipment with an engine capacity of no more than 50 cubic centimeters;
  3. Equipment registered in the RF Armed Forces;
  4. Registered outside the Russian Federation and having insurance in companies in other countries;
  5. Car trailers owned by individuals and having up to 8 seats;
  6. Vehicles that move without the help of wheels.

  Laws that allow you to reduce or return money paid for insurance

  The main law regulating the norms and rules of compulsory insurance is Law No. 40 - Federal Law. Its adoption took place back in 2002, but in 2018 a number of changes were made to it, and they came into force only in January 2019. It talks about the following opportunities to receive benefits or return some of the funds spent:

  1. According to Law No. 40 - Federal Law (clause 1, article 17), it is possible for disabled people to receive compensation for their insurance premium.

  

  If you belong to a group of people with a disability that requires a vehicle. Compensation occurs as follows:

  • the driver who has the benefit draws up an agreement with the insurer and pays for it in full;
  • then he is sent to local authorities and with their help receives a refund of funds amounting to 50% of the amount paid;
  • funds are transferred from the federal budget.

  2. According to paragraph 2 of the same article, the authorities of each subject of the Federation and local governments are allowed to introduce similar benefits for pensioners under compulsory motor liability insurance. Money for this will be withdrawn from the local budget.

  

  Based on this, you can check the availability of benefits in your region of residence. Don’t be shy – feel free to seek advice on this issue.

  3. There is another type of benefit for pensioners. However, it is not established by the state, but by the companies themselves engaged in this type of activity. This is done in order to attract as many customers as possible, and many companies put this into practice. The disadvantage of this method is that different companies may provide different conditions, and you will have to spend a significant amount of time to find the best offer.

  This is where the opportunity to receive disability benefits and benefits for people of retirement age from the state ends. However, there are still ways to reduce the cost of compulsory motor liability insurance, but it is calculated separately for each driver of the vehicle.

  Are there any discounts for pensioners on MTPL?

  Calculation and accrual of discounts when obtaining insurance is carried out once a year. The following parameters are taken into account:

  1. The driver's experience and age. The calculation is based on the following principle: the greater the age and experience, the greater the discount.
  2. The amount of the discount is also affected by the power of the engine installed on your vehicle.
  3. The type of insurance has a significant impact on the price. An open one will cost much more than a closed one.
  4. The number of violations also affects the amount of your insurance.
  5. Period of use of the vehicle.

  Note! If the insurance company has not made any refunds for 10 years, you can purchase compulsory motor liability insurance with a 50% discount.

  Unfortunately, as we see, for people of retirement age there are no direct benefits that can reduce the price of an MTPL policy. However, there is no need to be upset. Take advantage of all indirect ways to get a discount on MTPL insurance and benefits. Their sum also gives a significant reduction in cost.

  Also, do not be shy when clarifying the categories of people who fall under preferential programs in the region where you live. Perhaps it is in your area that discounts have been introduced for people of retirement age, and to receive them it is enough to contact the appropriate services at your place of residence.

  Are pensioners and disabled people entitled to discounts on compulsory motor insurance?

  

  It is impossible to avoid the costs of purchasing a compulsory motor liability insurance policy, because this type of insurance is mandatory. And if for able-bodied people with high incomes the amount that they have to part with annually is not critical, then for some categories of the population it makes a fairly noticeable hole in the budget. For example, people who live on a pension, but do not want to give up the opportunities provided by personal transport, which they use for trips to the garden. Or persons with disabilities who need a car for medical reasons. Can they count on benefits?

  Pensioners and youth in equal conditions

  Federal legislation of Russia does not provide discounts on compulsory motor insurance for pensioners. Apparently, it is believed that benefits for travel on public transport are enough for them, and a personal vehicle is already a luxury. If you have money for luxury items, you should also have money to pay for insurance.

  True, in Article 17 of Law No. 40-FZ, dedicated to compensation of insurance premiums (at the federal level, it is guaranteed only to disabled people), there is a last paragraph that talks about the right of regional authorities to expand the list of preferential categories. Perhaps somewhere pensioners can receive partial compensation for the costs of compulsory motor liability insurance. But if such benefits are provided, then most likely not to ordinary pensioners, but to those with a special status and merit.

  As for the age coefficient KVS, which affects the cost of the policy, it is the same for all persons over 22 with a driving experience of more than 3 years, and is equal to 1. So, persons of retirement age can only count on a bonus for accident-free driving. If insurance has been taken out for 10 years or more and during this time there have never been any accidents due to the driver’s fault, the discount reaches 50%.

  It is also possible that individual insurance companies periodically hold promotions and offer preferential conditions for this category of insured, but such an offer still needs to be found.

  What can people with disabilities expect?

  But a 50% discount on compulsory motor insurance for disabled people is provided by the state. They cannot purchase a policy at half price, but they are entitled to reimbursement of half the costs of its acquisition from the budget. This is not done automatically - you must submit an application supported by documents.

  It is important to follow a number of rules:

  • the presence of medical indications for the use of a vehicle by a disabled person (or his legal representative, if he cannot drive a car himself);
  • registration of a car in his or her legal representative’s name;
  • limiting the number of drivers allowed to drive a vehicle to three people.

  OSAGO for pensioners 2019

  Starting from 2019, the price of a compulsory motor third party liability insurance policy will be differentiated depending on which persons are driving the vehicle. For persons who have just started driving a vehicle and for careless drivers, the price of MTPL will be increased, and in MTPL for pensioners 2019 and drivers of retirement age will be given a discount.

  All innovations are being introduced to make MTPL insurance more accessible, through the introduction of a wide range of coefficients that take into account the driver’s age and driving experience, also known as KVS and bonus-malus, also known as KBM.

  

  The new PICs will more accurately take into account the driver’s individual data and instead of four, 58 levels of difference will be used. Thus, for drivers who have more driving experience, it will be lowered, and for those with little experience, on the contrary, it will be increased. For those drivers whose combination of age and experience is the most risky, the coefficient will be equal to 1.87, and for those drivers with a lower risk it will be 0.93. When this is introduced, pensioners who are 59 years old and have a driving experience of more than three years, the policy will cost less.

  A single KBM will be used for the vehicle fleet of legal entities.

  The bonus-malus will be calculated once a year, on April 1, and will not change throughout the year. If the car owner has several KBMs, the smallest one is selected. Each driver will be assigned his own insurance history under KBM; upon termination, for any reason, the length of service will not be reset.

  It is also planned to expand the corridor of MTPL rates within 20%.

  Taking this into account, insurance companies will be able to approach the calculation of the cost of an MTPL policy with the greatest differentiation.