Does registration affect the cost of compulsory motor liability insurance?

What determines the cost of compulsory motor insurance for a car?

OSAGO is a mandatory document for any motorist. Different insurance companies offer drivers very different conditions for concluding a deal. But what affects the cost of compulsory motor insurance? To get an idea of ​​the price of a compulsory insurance policy, you need to familiarize yourself with the indicators of the driver’s age and length of service, territory, vehicle power and other features.

What affects the cost of compulsory motor liability insurance?

The price of an MTPL policy depends on the values ​​of the coefficients. However, the driver does not have to contact the office of the insurance company to make a calculation. Directive of the Central Bank of the Russian Federation No. 3604 regulates the procedure for calculating the cost of compulsory motor liability insurance.

The driver needs to take into account the size of the base rate in a specific insurance company and substitute the values ​​of the coefficients into the formula.

Base rate

The basic tariff is set by the Central Bank of the Russian Federation. However, the difference in the base rate is determined by the type of vehicle. To determine the size of this value, professionals carry out special calculations.

Authorized employees are interested in ensuring that the total cost of the policies exceeds the amount of possible compensation. Competition conditions force insurance companies not to inflate the base rate. The Central Bank also has the right to increase or decrease the base rate once a year.

The owner of a motorcycle can count on the lowest base tariff of 1,579 rubles. Owners of cars of categories “B” and “BE” must use a rate of about 4,118 rubles when making calculations.

The highest base fare applies to taxis. This is not surprising: the owners of such cars spend most of their working day on the road. High activity often leads to accidents.

Does the cost of compulsory motor insurance depend on the number of drivers?

The answer is obvious - it depends. When calculating the cost, each driver and his characteristics are taken into account (except for cases of issuing a policy that does not limit the number of persons allowed to drive).

The owner of the vehicle can include an unlimited number of drivers in the insurance. However, it is not always beneficial to indicate in the policy a large number of persons admitted to management. This is one of the reasons why legal entities take out an unlimited document of insurance.

If a motorist wants to include several drivers, the age and experience of each of them is taken into account when calculating the price of compulsory motor insurance.

The vehicle owner can familiarize himself with the value of the coefficient in each individual case:

If a car owner wants to include young or inexperienced drivers in the list, he should think about purchasing a policy that does not limit the circle of persons.

Bonus-malus coefficient

This coefficient to some extent determines the discipline and responsibility of the driver. The value can vary between 0.5-2.4. If the driver has not had an accident within one year, he will receive a five percent discount the next time he receives an insurance document.

After the liberalization of compulsory motor liability insurance, the procedure for calculating the bonus-malus coefficient has changed. Now habitual violators are forced to buy a compulsory insurance policy at a higher price. Drivers with a positive driving history receive a lower rate.

Car engine power

One of the most important parameters is the power of the vehicle engine. The less horsepower in the car, the lower the coefficient will be. The maximum value is provided for owners of cars with a power of 150 horsepower, and the minimum for cars with an engine up to 50.

Driver's experience and age

Insurance companies have taken into account the fact that younger and inexperienced drivers are more likely to get into accidents. To make the risks of selling a policy to such drivers minimal, the organization increased the age and length of service coefficient for them.

Older and experienced motorists with experience can count on a reduced value. The indicators of age and length of service in each specific case can be found in the table.

It is worth considering that when purchasing an unlimited policy, the motorist will substitute the largest coefficient value into the formula.

Duration of insurance

The compulsory insurance policy has a validity period specified in the insurance contract. These conditions are discussed at the conclusion of the transaction. Typically, motorists purchase compulsory motor insurance for one year, but a shorter period can be chosen, for example, 3 months.

The insurance period is taken into account when calculating the cost. If the contract period is short, the motorist will pay the tariff with the highest coefficient in the calculations. When receiving a standard OSAGO for one year, the applied coefficient will be equal to one.

The most common periods: 3 months, six months, one year. When concluding a contract for the minimum of the listed periods, the value 0.5 will be substituted into the formula. With a six-month policy validity - 0.7.

The value of the coefficient can vary from 0.2 to 1. A longer period is considered more profitable for concluding a transaction. If the validity period is less than 10 months, the motorist will overpay.

Formula for calculating compulsory motor liability insurance

To calculate the final cost of a compulsory insurance policy, you need to multiply all the obtained coefficients together, taking into account the base rate.

The symbols used are deciphered as follows:

• SP - calculated cost;
• BT - basic tariff;
• KR - territorial coefficient;
• KV - number of persons admitted to management;
• KST - an indicator of the driver’s experience and age;
• KBM - bonus-malus coefficient;
• KM - car power indicator;
• KS - seasonality coefficient.

With proper calculation, the driver will receive the final cost of the policy. However, instead of making the calculation yourself, you can use the OSAGO online calculator. The algorithm will allow you to perform actions quickly, taking into account all the coefficients and current discounts.

All you need to do is enter the required information in the blank spaces of the form. After filling out the form, the user will be able to view the price of the policy. You can find an MTPL calculator on the website of any licensed insurance company.

How can you save on your policy?

Knowing what the cost of a compulsory insurance policy depends on, it is not difficult to understand how to save on compulsory motor liability insurance. A motorist can purchase a less powerful car. Often, vehicle owners do not need a lot of horsepower.

The second method is to register a car for a resident of a region with a small base tariff. Also, at your own peril and risk, you can indicate in the policy a nearby city in which the territorial coefficient is smaller.

If a driver uses his vehicle for only a few months a year, it is advisable for him to purchase compulsory motor insurance for a shorter period. And if you have two or three drivers, it is more economical to buy a limited insurance policy.

The most effective way is to have a positive driving history. According to the bonus-malus coefficient, a motorist can receive a significant discount. The absence of an accident for a long period of time will not only save money on repairs, but will also allow you to purchase compulsory motor insurance at the lowest possible price. After several years of driving, the driver will be able to materially experience the significant benefits of being careful on the roads.

Conclusion

The price of an MTPL policy depends on many factors. However, most of the values ​​can be influenced by the motorist. It is important to purchase a vehicle of appropriate power, drive carefully and take into account all the nuances of purchasing a compulsory insurance policy.

Does a driver's registration affect his CBM in the insurance policy?

My father is the owner of the car and wants to include me in the insurance, my age is 22 and my driving experience is 4 years. Osago is considered the worst driver, my KBM is 1.0 and my father’s is 0.5. But I have an Irkutsk rural registration, does this affect the calculation of the Osago pole or not since the owner of the car has an Irkutsk registration

The following factors influence the calculation:

Type
(category) and purpose of the vehicle:

affects
the size of the basic insurance tariff - TB.

Place of registration of the owner of the vehicle or place of registration of the vehicle (for
legal entities): affects the territory coefficient - Kt.

The number of persons allowed to drive a vehicle (limited or
unlimited number): affects the coefficient – ​​Co.

Age and experience of drivers (only for vehicles owned and
insured by individuals): affects the coefficient - Kvs.

Vehicle power (only for vehicles of category “B”): affects the
power factor – Km.

The period of use of the vehicle (for vehicles owned and insured
by individuals, for legal entities only for vehicles of “seasonal” use):
affects the coefficient - Ks.

Insurance period: affects the coefficient – ​​Kp.

Violations during previous insurance: affects the coefficient -
Kn.

Thus, your registration does not affect the calculation of the cost of compulsory motor liability insurance.

Does registration affect car insurance - what do you need to know?

The compulsory insurance program has been in effect in Russia for a long time and car owners know in advance how much insurance companies charge.

But there are situations when a contract extension is required, but at that moment the person is far from his region and there is simply no representative office of the required company nearby. What to do in this situation? After all, driving without a policy entails an inevitable fine.

1. Questions arise due to the fact that during the existence of the program, amendments have been made to it more than once regarding the procedure for drawing up contracts and their zoning.
2. The law of the Russian Federation regulates the obligation of the insurance company to enter into agreements with all car owners, regardless of their place of registration. Therefore, no obstacles can arise when applying for a policy.

Insurers do not have the right to impose special requirements on non-resident drivers. This will violate legal procedure.

However, it is worth considering that, despite the single base tariff, there are also correction factors. And therefore, if you contact a familiar company, but in another region, you may encounter an unpleasant significant increase in the amount. In this case, the insurers will be right.

Where does the price difference come from?

Typically, when calculating the amount of insurance, they are based on the driver’s age, length of service, technical parameters of the vehicle and the date of its manufacture. But in some regions local territorial coefficients may be added to this.

1. Typically, insurance for villagers is cheaper than for city residents, but whether registration affects car insurance and to what extent depends on the company’s policy.
2. OSAGO coefficients and rates vary greatly.
In cities with high traffic density the rate is 2, and in remote sparsely populated areas it remains 0.6. 3. Issues with insurance may arise when purchasing a car in another region:
• after the procedure for issuing a title and diagnostic card, the old owner’s papers become invalid, and it is necessary to purchase an MTPL policy for the new owner;
• the law provides for 10 days during which the new owner may not take out insurance.
This is enough to move a car.
There are no other deferment options. 4. The territorial coefficient is different and is considered for each region separately. This difference stems from the amount of fees received by the insurers themselves, as well as accident statistics in the area and the level of loss. As a result, by insuring a car in another region, its owner can save a lot of money.

When contacting an insurance company other than the place of registration, the driver is required to present only those documents specified in the MTPL Rules. Companies have no right to demand other papers.

Insurance procedure
The contract can be drawn up not only by the owner of the car, but also by any driver authorized to drive this vehicle. Therefore, the owner’s presence at the registration procedure in another region is not required.

The law of the Russian Federation regulates that the registration of a compulsory motor liability insurance policy should not be influenced by a person’s place of registration. However, this does not mean that it may not exist at all. It is impossible to draw up an agreement without a mark on permanent or temporary registration.

The federation includes many regions with different population densities. Transport flows differ sharply in different regions. Information about rates and odds is freely available on the websites of all insurance companies. Therefore, before concluding a contract, the car owner should familiarize himself with the insurance company’s offers and choose the appropriate tariff plan.

The place of registration will not play any role in concluding the contract.

Is it possible to insure a car using temporary registration and what documents are needed?

A mandatory condition for legal movement on the roads of the Russian Federation today for car owners is the presence of compulsory motor liability insurance. At the same time, the Law obliges the purchase of such a policy not only by citizens of Russia, but also of other countries if they travel around the Russian Federation by car. To speed up the registration of compulsory motor liability insurance by foreign citizens with temporary registration, it is worth knowing some nuances in 2019.

Is it possible to apply for compulsory motor liability insurance under temporary registration in 2019?

Foreign citizens who came to the Russian Federation as tourists or on a work visa are required to undergo temporary registration. It is also received by Russian citizens if they:

• moved to another city for permanent residence without purchasing their own housing;
• on a business trip longer than 90 days.

Taking into account these circumstances, the driver driving the car needs a compulsory motor liability insurance policy. When drawing up an insurance contract for temporary registration, it is important to control which region coefficient the insurer uses in its calculations. It is correct to apply the meaning that is characteristic of the city of permanent residence.

What problems may arise

An integral condition for obtaining motor third party liability insurance in the Russian Federation is registration at the place of actual residence, if the car owner does not have a permanent residence permit. According to the Law “On Compulsory Motor Liability Insurance”, when contacting the Investigative Committee, the driver provides information about where not only the vehicle is registered, but also where he himself is registered.

Note! A driver without compulsory insurance faces a fine when checking documents. And if he provokes an accident, the victim will not be able to count on the assistance of the insurance company under compulsory motor liability insurance. In other words, refusal to register will lead to serious financial expenses for both drivers, and the injured party will probably have to pay for the damage through the court.

If the owner of a car with a valid policy has been deregistered in one city, but has not yet managed to obtain registration in a new place of residence, he needs to notify the insurance company about this. Then the insurer will make changes to the current insurance contract and recalculate the cost of insurance. Otherwise, the vehicle owner will face a fine for providing out-of-date information.

Is it possible to do OSAGO without registration?

If a person is on a short-term trip to another region, up to 3 months, then there is no need to obtain a temporary residence permit. The law obliges you to apply for it only if you stay in another city for more than 90 days in a row. If the previous policy has lost its validity during this period, a new one is issued taking into account the data on permanent registration.

Remember! If a person does not have either temporary or permanent registration, then it will not be possible to apply for compulsory motor liability insurance. The insurance company will refuse him, arguing that it is impossible to calculate the cost of insurance according to the regional coefficient.

The procedure for obtaining compulsory motor third party liability insurance for temporary registration

The first purchase of compulsory insurance for temporary registration is completely identical to the procedure for concluding an agreement at the place of registration. The owner of the vehicle must contact the selected insurance company with an application and a mandatory list of documents, pay the premium in the required amount and receive the policy in hand. OSAGO can be extended by temporary registration if the insurance period has expired. The driver has the opportunity to buy a policy in person or remotely: according to the Law, since 2017, all insurance companies are required to sell E-OSAGO.

Package of documents

When drawing up a contract of compulsory motor third party liability insurance, it is important to provide the insurance company with a full package of documents, in accordance with the Law:

1. Civil passport of the car owner, which indicates his full name, date of birth and place of registration. If the driver is a foreign citizen, a valid ID is required.
2. Driver's license of all persons permitted to drive a vehicle. If you are applying for an unlimited motor vehicle license, then only the vehicle owner’s ID is required.
3. The technical passport of the car, which contains data on engine power, the brand and owner are indicated.
4. Registration certificate.
5. Diagnostic card. The document must confirm the proper condition of the vehicle for operation.
6. Purchasing a compulsory car insurance policy is possible only after the insurance agent is convinced that the car is in proper condition for operation. This document can be obtained after maintenance at the service station by specialists.

On a note! If for any reason the car owner cannot apply for a car title in person, he can use the help of another person. But to do this, he will need to issue a power of attorney, reflecting the right to sign documents on behalf of the car owner. However, some insurance companies require notarization of such paper.

How much does OSAGO cost for temporary registration?

Calculating the cost of a motor vehicle license based on temporary registration involves the use of special coefficients. They are determined by various factors:

• driver age;
• driving experience;
• vehicle power;
• vehicle accident class;
• seasonality;
• region.

The last factor is determined by the place of permanent residence of the car owner and is individual for each region. For example, it is more expensive to insure a car in Moscow than in Lipetsk. Therefore, the place of permanent registration of the car owner affects the cost of compulsory motor insurance, but temporary registration does not.

What to do after receiving permanent registration

When changing registration, a car owner who uses a compulsory insurance policy must notify the insurer. Then the insurance company will make changes to the current contract and issue the car owner a new document with up-to-date registration information. Failure to notify the insurance company in a timely manner may result in penalties. After all, compulsory motor liability insurance at the old address could cost less, but due to moving to another region, the price of insurance after recalculation may increase. In the event of an accident, the insurance company will have the right to refuse compensation to the driver for damage if the insurance contains incorrect information.

Temporary registration is not an obstacle to purchasing an MTPL policy. It can be issued at the nearest office of the insurance company with which the previous insurance contract was concluded, or remotely online on the insurer’s website.

The cost of an MTPL policy in 2019: what affects the amount

Today, Russian legislation obliges every car owner to take out MTPL insurance. Therefore, every year Russian motorists pay a lot of money to purchase such a policy. And it is very logical why many people want to find out what the cost of compulsory motor liability insurance depends on, and whether it is possible to legally reduce costs when drawing up a contract.

What's included in the price

The procedure for calculating the cost of an MTPL insurance policy is described in the Instructions of the Central Bank. This implies a single method for calculating the price of car insurance for all companies.

Each car owner is able to calculate the amount needed to sign insurance.

In order to establish what determines the price of car insurance under compulsory motor liability insurance, a person needs to pay attention to such nuances as the base rate and special coefficients.

The tariff is set according to the type of car, the legal status of the owner and the purpose of using the vehicle.

Thus, for physical persons who own a passenger car and use it for non-commercial purposes are assigned a minimum rate. For legal entities persons under the same conditions, the tariff will be slightly higher.

If we talk about special coefficients, they are established according to the technical condition of the car and the parameters of the age and experience of the motorist. Each coefficient is responsible for a specific factor.

To make everything clear, it is worth examining in more detail the meaning and process of using parameters when calculating the cost of an MTPL policy.

The power factor of a car is determined by the number of liters. With. Moreover, this parameter ranges from 0.6 to 1.6. The smallest value is set for vehicles with 50 hp. s., and the largest – for 150 l. With. and higher.

The increased value for powerful cars is justified by the fact that such a vehicle is more dangerous for motorists whose cars have a slightly weaker engine.

Place of registration

When figuring out what the amount of car insurance depends on, it is necessary to take into account the region of registration of the vehicle, that is, the place of registration for individuals. person or location of company authorization for a legal entity.

The registration area parameter is set by the number of cars in a certain area and the likelihood of an accident occurring. This indicator can range from 0.6 to 2.

The greatest possibility of accidents is expected in regions with a population of over a million people with an increased flow of cars, for example, Moscow, St. Petersburg, Kazan, etc. The parameter in these towns is 2.

A small registration area coefficient of 0.6 is taken for sparsely populated areas, for example, for the Chechen Republic. Only 1.5 million people live across the entire area, that is, the density is low and accidents are few.

It happens that the validity period of a document ends when a person is outside the registration area. This does not mean that it is possible to extend it after returning, because driving a vehicle without insurance is punishable by a fine.

Therefore, the legislation implies the possibility of purchasing compulsory motor liability insurance in any region of the country according to the preference of the car owner. But it is advisable to select a company that has a branch in the area where the car owner is registered.

Age and experience of the driver

The coefficient of age and experience of the driver is taken according to the degree of risk that appears when driving a car. Therefore, the older and more experienced a person is, the lower this parameter is.

The smallest indicator is 1.0. Prescribed to people with more than 3 years of experience. For young motorists, this parameter is increased depending on driving experience to 1.6-1.8.

If several people have the right to drive a machine, then the coefficient is set based on the person with minimal experience.

Accident history

Both authorities and organizations have an interest in encouraging safe movement. If a person does not get into a single accident during the period of validity of the auto insurance policy, then he will save the company’s money, therefore he will apply for a discount from it.

When establishing what the cost of car insurance depends on, the bonus-malus parameter is taken into account in the calculation, which increases or decreases the amount per document depending on the level of accidents associated with driving an individual person’s vehicle.

Each year of such driving reduces the cost of the MTPL policy by 5 percent. A car enthusiast who has not gotten into trouble for 10 years will be able to get a discount of 50 percent from the original price of OSAGO.

Otherwise, everything happens for those involved in accidents. For them, a price increase of up to 50 percent is implied in a situation with one incident per year.

To use this parameter, data is taken from a single database of all insurance companies.

Number of drivers

When purchasing a document, the owner of the car must enter the number of people who are allowed to drive the car.

If there is only one motorist, he issues a policy with a limited number of people. In this case, the value of the parameter is 1. If an unlimited number of people are allowed to the machine, for example, as in some companies, then this parameter is 1.8. This decision is related to the likelihood of an insurance situation arising when the machine is used by different people.

Insurance period

The validity period of the MTPL policy is equal to the period for which the document was concluded. The validity period indicator is a certain coefficient.

The Code fixes the usual period during which insurance is valid - 1 year. But this does not mean that every 12 months a person is obliged to sign the document again. There is also a smallest option of 3 months.

In addition, under certain circumstances, for example, when staying in Russia for a short time, the validity period may generally be a couple of days. You must understand that the validity period of compulsory motor liability insurance affects the cost of insurance.

When signing a contract for 3 months, the rate is 0.5. Contract up to 9 months. – 0.95. The lowest value of 1 is set when purchasing a policy of 10 months or more.

Thus, the owner of the car has the right to enter into a contract for 3 months, and then extend it until the end of the longest period of 1 year, while paying an additional fee.

How to calculate the price of a policy

After analyzing the data on what affects the cost of compulsory motor liability insurance, it is possible to calculate the price for compulsory motor liability insurance yourself. The full cost of MTPL insurance is the amount that is obtained by multiplying the base rate by all special parameters:

1. Power.
2. Region of registration.
3. Age and experience of the driver.
4. Accident history.
5. Number of motorists.
6. Document validity period.

You can calculate the cost of your MTPL policy yourself using a special online calculator. It is necessary to look for resources where the data was placed after April 2015, that is, later than the time when the new rules for calculating prices began to take effect. This is important, because after the change in laws the price increased by 50 percent.

Is it possible to save money?

Despite the fact that the standard cost of an MTPL insurance policy is fixed by law, there are methods to reduce the cost of purchasing a document.

In order to obtain insurance at a reduced cost, it is possible to lower the parameters of the coefficients that are used in the calculation.

1. Use vehicles with average power.
2. Register the vehicle to a citizen who is registered in the area with the lowest basic tariff.
3. Sign a contract for a single motorist.
4. Drive without an accident.
5. Indicates in the contract the actual period of use of the vehicle in the period of the year.

In addition, the car can be registered to a person who has certain benefits under car insurance.