OSAGO for legal entities features

Features of motor insurance OSAGO and CASCO for legal entities

OSAGO for legal entities

On July 1, 2003, Federal Law No. 40-FZ “On compulsory civil liability insurance of vehicle owners” came into force in the Russian Federation. From this moment on, driving a vehicle without an MTPL policy became unacceptable. And now every car owner must annually pay insurers a certain insurance premium for the MTPL agreement.

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The basic tariffs on the basis of which the calculation is made, the applied coefficients and the conditions of compulsory motor insurance are established by the state. They are the same for all insurance companies and depend on a number of factors, including who is the owner of the vehicle: an individual (including a legal entity) or a legal entity.

Table 1. Differences in the calculation and registration of compulsory motor liability insurance for individuals and legal entities.

For legal entities that own a fleet of vehicles, an application and MTPL policy are issued separately for each vehicle.

This is obvious, because the presence of a compulsory motor liability insurance policy is required for any vehicle to travel on public roads. In this case, the territorial coefficient (Kt) is determined for each vehicle depending on the place of its registration. There is also some peculiarity regarding the definition of CBM, since the MTPL agreement for legal entities does not provide for a limitation on the number of persons allowed to drive a vehicle. Thus, the bonus-malus coefficient (Kbm), or, in other words, the discount for accident-free operation, is determined (assigned) based on the available data about the owner.

Let's explain with an example

OJSC TTT issues an MTPL policy for the KAMAZ it already owns. During four years of operation, no accidents involving KAMAZ occurred. Thus, when calculating the MTPL insurance premium for KAMAZ, a Kbm equal to 0.8 will be applied (5% discount for each accident-free year of operation of this vehicle by TTT). At the same time, OJSC TTT acquired ownership of a VAZ car and must insure it under compulsory motor liability insurance before registering it with the traffic police. Kbm for this car will also be equal to 0.8.

Most legal entities, especially owners of large vehicle fleets, do not limit themselves to mandatory compulsory motor liability insurance and, in an effort to reduce unforeseen expenses to a minimum, fully or partially insure their vehicles under CASCO insurance.

CASCO for legal entities

The process of voluntary auto insurance for a small or large enterprise vehicle fleet differs from the similar process for individuals. In addition to the usual factors taken into account by the standard CASCO calculator, the cost of insurance is greatly influenced by:

Type of activity of the legal entity;
The number of insured vehicles and their technical condition;
Availability of contracts for other types of insurance.

Fleet owners are interested in the best combination of price and quality. On the other hand, insurance companies are interested in every client, therefore they are ready to defend the right to every order. Therefore, both commercial firms and government agencies hold tenders for insuring their vehicles under CASCO and OSAGO. The winners of tenders in the competition are insurers who offer more favorable auto insurance conditions and additional discounts.

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Tenders for motor insurance OSAGO and CASCO for budgetary institutions

In accordance with Federal Law No. 94-FZ, the decision to place an order for the provision of services in the field of auto insurance is made by the responsible employees of the customer. At the same time, a government agency can place orders by organizing competitions or auctions, including on an electronic platform. Most often, government orders are placed in the form of open tenders.

Previously, the mechanism for finding an insurance company to issue MTPL contracts was quite different from the rules for placing an order in the field of voluntary motor vehicle insurance. However, since the introduction of the tariff corridor into the methodology for calculating the “automobile insurance”, the mechanism for finding an insurer to conclude contracts for these types of insurance has been no different.

In both cases, the customer has the opportunity to compare the purchased insurance services only by their price. In addition, there is a functioning market for both CASCO and OSAGO. Consequently, a government agency acting as a customer of services has the right to place an order through a competition among licensed insurance companies.

Accounting for legal entities with MTPL and CASCO insurance

In tax accounting, car insurance costs must be taken into account evenly (in accordance with paragraph 1 of Article 272 of the Tax Code of the Russian Federation) throughout the entire validity period of the MTPL or CASCO policy.

In the balance sheet, car insurance costs should be reflected as a separate item as deferred expenses, and written off proportionally throughout the entire period to which they relate (clause 65 of the “Regulations on accounting and financial reporting in the Russian Federation”).

To accurately calculate the monthly portion of the insurance premium written off as expenses, you should divide the annual insurance by the number of days in the year, and then, each reporting month, multiply the result by the number of days in that month. But for simplicity, you can derive the monthly amount by simply dividing the insurance premium by 12 months. Accuracy will suffer a little, but time will be saved.

Electronic MTPL policy for legal entities

Not only individuals, but also companies that own vehicles must have compulsory car insurance. We will look at what MTPL is for legal entities, how it differs from a regular policy, how it is issued and what features you need to know when receiving it.

Car insurance for legal entities: rules and features

OSAGO for legal entities is somewhat different from the policy for other car owners and has the following nuances.

Policyholder status. This is an organization that has transport on its balance sheet (not only a passenger car, but also any type, including trailers).
An individual policy is required for each vehicle, regardless of the common owner.
An unlimited type of insurance is issued. The policy without restrictions allows every officially registered employee of the company to drive a car.
There is an increase in tariff costs. The fact is that the insurance company takes into account the increased risk of getting into a car accident due to the daily use of cars.
The territorial coefficient is established at the place of registration of the organization, not the transport.
Individual determination of payment amounts is applied. Thanks to this, there is no need to reissue the policy after an insured event due to the exhaustion of the compensation limit.

The remaining parameters are similar to those provided for when applying for a standard policy:

it is allowed to draw up a Europrotocol;
direct compensation is possible (if the number of participants in the car accident is no more than two, and the damage was caused only to property).

Base rate and odds

According to the Directive of the Central Bank No. 5000-U dated December 4, 2018, the following rates are provided for legal entities, depending on the vehicle category:

Vehicle category and name

Base rate limits (RUB)

“A” and “M” – motorcycles, mopeds and light ATVs

"B" and "BE" if it's a taxi

"C" and "CE" if the permissible maximum weight is up to 16 t

"C" and "CE" if the permissible maximum weight is more than 16 t

“D” and “DE”, if the number of seats for transporting people is up to 16

“D” and “DE”, if the number of seats for transporting people exceeds 16

“D” and “DE”, if operated for regular transportation that involves boarding and disembarking people at stops and other places not prohibited by traffic regulations

Tractors and other self-propelled vehicles, provided they have wheels

The cost of the policy for organizations is calculated according to the standard formula

C = Bt*Kt*Kbm*Ko*Km* Kn *Ks *Kpr,

which uses the coefficients:

Bt - basic tariff - depends on the pricing policy of a particular insurer, but must be within the amount established by the Central Bank;
Kt – territoriality (place of registration of the enterprise);
KBM – bonus-malus, installed for the owner of the car;
Ko – limitation of the policy (the value for unlimited insurance is set to 1.8);
Km – engine power;
Kn – driving history (presence of violations during the previous term of the contract);
KS - seasonality - the standard policy period is 1 year, so this parameter is used when it comes to transport that is not intended for year-round use;
Kpr – presence/absence of a trailer.

You can calculate the cost of a policy for organizations yourself or through an online calculator, which is available on insurers’ websites.

Possibility of discount

Avtograzhdanka does not offer separate discounts for organizations. The only parameter that can reduce the cost of the policy is KBM. Unlike individuals, accident-free performance is taken into account for the car, not the driver.

At the first registration, the standard coefficient is 1 and class 3. If during the period of validity of the insurance agreement the car has not been involved in an accident, a 5% discount will be available with each subsequent renewal of the contract.

Required documents

To obtain a policy for an organization, its representative will need the following list of documents:

personal passport;
power of attorney certified by the director;
certificate of registration of a legal entity;
TIN of the enterprise;
PTS of cars for which insurance will be issued;
title documents for each vehicle (sale/purchase/leasing/car loan agreement, etc.);
a valid diagnostic card (if more than 3 years have passed since the production date of the car);
previously issued insurance (if available).

Contract time

The standard period of validity of an MTPL agreement, regardless of the status of the policyholder, is 1 year from the date of conclusion. But for legal entities, a different minimum period for issuing a policy is established.

Thus, organizations cannot insure a car for a period of less than six months, while an individual has the right to enter into an agreement for 3 months (for vehicles that are not intended for year-round use).

Responsibility for lack of insurance

A driver driving a vehicle is required to have a valid MTPL, even if he is not its owner. In the absence of a document, administrative liability is provided in the form of a fine in the following amount:

500 rubles for the driver - if the policy is issued, but the driver does not have it with him (Part 1 of Article 12.37 of the Code of Administrative Offenses of the Russian Federation);
800 rubles for the driver - if the validity period of the compulsory motor liability insurance has expired (part 2 of article 12.37 of the Code of Administrative Offenses);
800 rubles for the driver - if the insurance contract is not concluded (Part 2 of Article 12.37 of the Administrative Code);
3000 rubles for the owner of the car - if the car is transferred to a person without the right to drive it (Part 3 of Article 12.3 of the Administrative Code).

Compensation upon occurrence of an insured event

The insurance payment procedure is the same as for other car owners. To receive compensation you need:

notify the insurer and traffic police officers about the car accident;
do not change the location of the cars until the arrival of the traffic police and a representative of the insurance company;
submit an application to the insurance company for damages within 5 days from the date of the accident;
receive compensation in the form of cash or payment for repair work.

Note! In most cases, the second option for compensation for damage is possible (with the exception of the complete loss of the car). In this case, the service station is chosen by the insurer itself; an independent contact with the specialist will become the basis for refusal of payment.

If the participants in the accident have no disagreement about guilt, the damage was caused only to property, and the number of cars is no more than two, the parties can do without calling the State Traffic Inspectorate by drawing up a Europrotocol.

The payment amounts for legal entities are standard:

up to 400 thousand rubles for damage to property;
up to 500 thousand rubles if there are victims.

Let's sum it up

The presence of compulsory motor liability insurance is mandatory not only for individual car owners, but also for organizations that own vehicles. Features of the policy for companies:

is issued for the car, and not for the driver (for each car there is a separate contract);
type of insurance – unlimited;
the territorial coefficient is established at the place of registration of the enterprise, not the transport;
the discount is possible only when extending the contract if there were no insured events during the previous period;
To issue a policy, you will need documents not only for the car, but also for the organization;
the minimum period of validity of the agreement is six months;
responsibility for driving a car without compulsory motor liability insurance is established for both the driver and the owner;
compensation is paid in the standard manner, subject to compliance with insurance rules.

Despite some differences in compulsory motor liability insurance for enterprises, the basic conditions for obtaining and using the policy are similar to the standard contract for individuals.

MTPL insurance for legal entities and its features

All car owners are required to insure their civil liability within 10 days after purchasing the car. Compulsory motor liability insurance for a legal entity can be issued both in paper form at the office of the insurance company, and electronically on the organization’s website. How much does insurance cost for a legal entity? What features does it have? How to apply for compulsory motor liability insurance for legal entities online?

Rules for registration of compulsory motor liability insurance for legal entities

Registration of an MTPL policy for individuals (including individual entrepreneurs) and legal entities differs in several aspects. In the first case, the policy can be issued for both a limited number of drivers who have the right to drive a vehicle, and for an unlimited number. For legal entities, there is no choice - all policies are issued for an unlimited number of drivers. This is primarily due to the specifics and purpose of using the machines. Both paper (regular) and electronic policies are issued in accordance with the norms of Central Bank Regulation No. 431-P:

The insurance contract is concluded for 1 year with the possibility of establishing a certain period of use (at least 6 months);
The policyholder is obliged to provide the insurer with his data and information about the car;
The insurer has the right to inspect the vehicle before signing the contract;
An application for registration of a “motor citizenship” is submitted along with a package of documents established by law;
The policyholder and the insurer have the right to terminate the contract early in the cases provided for in clauses 1.14 and 1.15 of the Central Bank Regulations;
The policyholder is obliged to pay an insurance premium, the amount of which is calculated in accordance with insurance tariffs and base rates established by the Central Bank of the Russian Federation.

The cost of insurance for legal entities will be higher than for individuals due to higher base rates. Since the policy can only be issued for an unlimited number of drivers, the CBM for calculation is applied not for each driver, but for a specific car. MTPL insurance for legal entities is carried out upon provision of documents provided for in Article 15 of Law No. 40-FZ. The list of documents for individuals and legal entities will also be different.

Policy cost

Tariff corridors for calculating the amount of insurance premium are established by Appendix 1 to Central Bank Directive No. 3384-U. For all categories of vehicles (except passenger cars) and the purposes of their use, the same minimum and maximum tariffs are established for both individuals and legal entities. Based on the rates presented in the table below, the cost of the policy is calculated.

MTPL insurance rules for legal entities

OSAGO for companies is cheaper than for ordinary citizens and is issued for each car separately, and not for the entire fleet, which is listed on the balance sheet.

Accordingly, insurance is always purchased for an unlimited number of drivers. The only requirement: all of them must be on the staff of the insurance company.

In this article we will talk about compulsory motor liability insurance for legal entities, how insurance and calculations are done, and whether it is possible to issue an electronic policy.

Rules and features of insurance

Main features of insurance for legal entities:

the policyholder is the company management, not the driver;
the basic tariff is lower than that of individuals;
unlimited number of persons admitted to management;
the territorial coefficient is calculated at the location of the company;
the company may also be recognized as a victim in an accident;
the opportunity to insure not only passenger vehicles, but also trucks, special equipment, and buses.

The legislation regulates the procedure for concluding and terminating a compulsory motor liability insurance contract, calculating the insurance premium, the amount of payment, rules of conduct immediately after an accident and a set of documents for filing an application for compensation.

Owners of corporate compulsory motor liability insurance also have the right to claim direct settlement of losses under Art. 14.1 of the Law “On Compulsory Motor Liability Insurance”, if there were no injuries in the accident, all drivers are insured and there are at least two of them.

They also have access to a scheme for registering road accidents according to Europrotocol standards, i.e. without involving the traffic police, but with filling out an accident report. In this case, you can also qualify for payment of up to 100 thousand rubles (with exceptions for the capital, St. Petersburg, Moscow and Leningrad regions, where, if there is recording from cameras, higher payments are possible to cover damage).

The amount of payments for compulsory motor liability insurance for legal entities is the same as for citizens: up to 400 thousand rubles in case of damage to property, and up to 500 thousand rubles - for the health and life of other people (drivers, passengers, pedestrians) according to Art. 7 Federal Law No. 40. The payment limit under such agreements is determined individually. This allows you not to reissue the policy after each accident involving fleet vehicles, due to the fact that the insured amount has been exhausted.

Base rate

To calculate the MTPL insurance premium in 2019, the base rate is 2746 - 4942 rubles for passenger cars, according to Bank of Russia Directive No. 5000-U dated December 4, 2018. If the car is used as a taxi, then the rate will be 4110 - 7399 rubles (you can find out how to properly issue an MTPL policy for a taxi in this material). For truck owners, the tariff is provided at the level of 2807 - 5053 rubles (up to 16 tons), and for buses with up to 16 seats - 2246 - 4044 rubles (you can find out about the MTPL policy for a truck here). All these indicators are approved by the state and periodically reviewed.

The base tariff is multiplied by a number of adjustment factors, without which it is impossible to obtain the final amount of the insurance premium for compulsory motor liability insurance. These include regional, seasonal, power factor, KBM or bonus-malus, etc. For different categories of machines, the tariff may differ significantly. Therefore, all calculations are made for each object individually.

The calculation of compulsory motor liability insurance for legal entities is carried out according to the formula:

TB – base rate;
CT – region of use of the machine;
KBM – bonus-malus;
KO – coefficient of the number of drivers (1.87);
KM – power indicator;
KS – period of use of the car (season);
KN – coefficient of violations.

You can also use online calculators on insurers' websites to simplify tariff calculations. In this case, the calculation algorithm will initially include all the necessary odds rates.

The insurance region is determined for each car depending on its place of registration. Its size can be minimal (for example, in Mordovia it is at the level of 0.8-1.5 and maximum - in Moscow up to 2). More information about whether it is possible to insure a car in another region and how to do it can be found in this material.

There is also some peculiarity regarding the definition of bonus-malus - its indicator is determined based on information about the policyholder. The more accidents there were during the year, the higher this figure will be. If you are insuring for the first time, the coefficient will be 2.45.

The more powerful the car's engine, the higher the power factor will be, which also affects the price. For example, for driving a car with a power of more than 150 horsepower, the highest coefficient will be set at 1.6. Since MTPL insurance for legal entities always provides for an unlimited number of drivers, an increased coefficient of 1.87 is set accordingly.

The violation coefficient is used quite rarely and only if insurance fraud has been noticed in the past, for example, an intentional accident to obtain payment.

Since each car is insured separately under compulsory motor liability insurance, discounts are possible only for break-even driving. The average cost of one policy for legal entities is 8-15 thousand rubles per year.

Necessary documents to formalize the contract

Legal entities have their own procedure for drawing up an MTPL agreement.

Only the management of the company or its legal representative has the right to issue a policy.
You will need not only a vehicle registration certificate or PTS, but also registration documents of the legal entity itself, as well as its TIN and bank details.

The following documents must be presented:

certificate of registration of a legal entity;
TIN;
a power of attorney from the manager to purchase compulsory motor insurance and a copy of the passport (you can find out about the nuances of drawing up a power of attorney to obtain insurance and to drive a car in this material);
a diagnostic card for each car, if it is older than three years (you can find out whether a diagnostic card is needed to apply for an MTPL policy and how to get it in this material);
documents for all cars (PTS, etc.);
title documents for the car (purchase agreement, leasing agreement, etc.);
old MTPL policies (if issued).

You can find out more about what documents are needed to obtain MTPL insurance in this material.

The insurer will examine all the documents and invite the company representative to fill out an insurance application. This document describes in detail all the technical parameters of the car, the age, length of service of the driver, and also indicates how many people will be allowed to drive.

Mandatory requirement when filling out the application: indicating the number of the inspection coupon (if the car is not new) and the date of the inspection. In the third paragraph of the application, you must indicate a complete list of drivers, the series and number of their driver’s licenses, length of service, number of insurance events in the past, and bonus-malus class.

It may take the insurer quite a lot of time to study all the documents, especially if the vehicle fleet is large. When concluding a contract, the insurer has the right to inspect the cars at the location of the legal entity.

More information on how to fill out the MTPL policy form can be found here.

Electronic policy

Companies also have the option to issue a policy online. To do this, it is necessary for the policyholder's representative to register on the website of the selected insurance company. Having gained access to your personal account, you will see the option to choose: buy a policy as a legal entity or as an individual. You need to check the box next to the correct answer.

Instructions for purchasing a policy online:

Authorization on the site.
Selecting status (legal entity).
Filling out an online application and calculating the MTPL tariff (in your personal account).
Receive an electronic signature code by phone or email.
Enter the code into the form provided in your account.
Verification of documents by the insurer and data in RSA (uploading scans in your personal account).
Publication of inspection results in your account.
Payment for e-MTPL policy on the website.
Receive an insurance form by mail and in your personal account.
Printing out the policy.

In the online calculator you will need to enter data about the region of registration of the owner, make, model of vehicle, engine power, and the start date of the insurance policy. The number of drivers, as well as the owner’s details, must be indicated.

DPS check authenticity on the RSA website and in other databases. You can take out insurance for a period of at least six months (you can find out more about the terms of compulsory motor liability insurance here). You can pay for the entire MTPL agreement with one payment using a bank card, and on many sites also with electronic currency.

Which companies can I do this with?

You can buy a policy on the website from many companies. Since 2017, all participants in the MTPL market have been required to provide car owners with the opportunity to issue a policy online.

A list of RSA member companies that trade e-MTPL is on the RSA website. Leaders include:

"Ingosstrakh"
"Rosgosstrakh".
"Renaissance Insurance".
"VSK".
"AlfaStrakhovanie"
Zetta Insurance.
And many others.

Responsibility for absence

If the company’s car is stopped by the traffic police, then by law the driver must have compulsory motor liability insurance in electronic or paper form. A fine is imposed if the company did not issue compulsory motor liability insurance or the car was driven by a person who was not included in the insurance.

A report is issued against the driver and he will need to pay a fine of 500 rubles if the insurance is forgotten or 800 rubles if it is not issued. However, he can always recover the amount of penalties from his employer through the court if he refuses to compensate it voluntarily.

Insurance payments

If a company driver gets into an accident, he must behave in the same way as an ordinary car owner. His responsibilities include notifying the insurer about the accident, filling out the Notice or calling the traffic police to the scene of the accident. You cannot change the location of the car until a certificate or accident diagram has been drawn up.

When the damage is small, there are no casualties and there is no conflict with another participant, you can file an accident notification and not call the traffic police. In this case, victims of an accident can compensate for damages in the amount of up to 100 thousand rubles.

In case of serious damage, road service employees are always called, who draw up a certificate of the accident and a protocol of administrative violation. The victim submits an application for payment within 5 days along with documents confirming the fact of the accident.

Exceptions are only in the event of a complete loss of the car, when it can no longer be restored after repair, or if the accident occurred far outside the city, and there is no service station nearby.

Payments occur after studying all the documents of the victim, preparing an inspection report and a technical expert’s conclusion on the amount of damage. The period for making a decision by the insurer is established by law no more than 20 days.

The costs of restoration repairs are determined using the Unified Methodology, which was developed by the Bank of Russia and is used by all experts and insurers. Restoration repairs cannot last more than a month. If deadlines are delayed, clients can prepare a claim to the insurer and then go to court.

Conclusion

Legal entities often own a large fleet of vehicles. In addition to ordinary passenger cars, the fleet may also include special equipment, as well as freight transport. If a company has representative offices in different regions, then these are also cars with different registrations. A compulsory motor liability insurance policy must be purchased for drivers of each corporate car, because these are the legal requirements.

To conclude a contract, you need to collect an impressive package of documents and contact the insurance company. You can also purchase a policy on the website of many insurers - this significantly saves time and in the future, you can easily renew it or make changes to the number of drivers, but it is better to buy a policy without restrictions.

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How to apply for and save on compulsory motor liability insurance for a legal entity: features, basic rules and tips

Both individuals and legal entities must fill out the MTPL form. A legal entity can purchase MTPL either in person in the office or remotely. In this article we will look at how to correctly fill out the mandatory civil liability form and what documents need to be prepared. The article will also contain answers to such popular questions: how to apply for compulsory motor liability insurance online, or what is the minimum term under the contract.

Features and rules of MTPL insurance for a legal entity

The law is the same for all vehicle owners. As a result of this, a legal entity must not only insure liability, but take into account several basic features within the framework of a mandatory product.

when the vehicle is transferred for use to an individual citizen;
small or commercial company;
when documents on expenses are not required for accounting purposes.

The organization will always be the owner of the vehicle.

Full name of the employee;
passport details;
Company name;
Full name and position of the manager;
employee powers;
signature and seal.

The person registering must have a passport with him.

the rights and obligations of each party;
insurance risks;
data of each party to the transaction.

insurance premium;
Account number;
form number.

In most cases, the legal entity is required to make payment within 3 business days.

1 year;
14 days (if the car was purchased for the purpose of driving to another region).

It turns out that every full-time employee can drive the car.

Some insurance experts argue about limiting the limit on compulsory motor liability insurance as a result of an accident. It should be noted that the agreement provides for a payment of 400 thousand rubles for each victim.

These are the main features of compulsory insurance, characteristic of LLCs and individual entrepreneurs.

Bet and odds

As part of compulsory insurance, insurers are required to make payments according to approved tariffs. The current tariff guidelines can always be found on the single portal of the RSA (Russian Union of Auto Insurers).

You need to know that when calculating, the insurance company takes into account:

base rate;
correction factors.

As for the base rate, it is fixed for each type of vehicle. Moreover, if until 2015 the rate was fixed, now a minimum and maximum limit has been established.

To calculate the cost of compulsory motor liability insurance, the following base rates are used:

As for the correction factors, in this case the following are taken into account:

region of registration of a legal entity;
KBM coefficient (the well-known discount or increasing coefficient if there were accidents due to the driver’s fault during the year);
seasonality of insurance (as a rule, the coefficient is always 1);
power or load capacity;
age and experience of drivers (always coefficient 1.8).

You can download the table of correction factors from this link.

Calculation of compulsory motor liability insurance for a legal entity

In practice, organizations need to know the cost of a binding contract in advance in order to plan financial expenses and budget for them. You can generate an MTPL calculation:

on one's own;
through the OSAGO online calculator.

How to create your own calculation

As soon as OSAGO appeared on the insurance market, the cost could only be calculated manually. All you needed to have was:

current tariff guide;
formula by which to calculate;
calculator.

The formula for calculating a motor vehicle insurance policy for legal entities is as follows:

To obtain the cost of the policy, you simply need to select the coefficients that correspond to the insurance conditions and multiply them.

How to create a calculation using an online calculator

Since not all citizens can calculate correctly using the formula, a special OSAGO calculator for legal entities was created. In order to find out the cost, just indicate the car. OSAGO car calculator requests:

place of registration of a legal entity;
power, carrying capacity or number of seats (depending on the type of vehicle);
vehicle identification number;
Company name.

A convenient insurance calculator will automatically send a request to RSA to clarify the KBM coefficient and calculate the total amount according to the specified conditions.

It is worth noting that this method is very popular because it provides a reliable calculation in a matter of minutes.

How to save on compulsory motor liability insurance for a legal entity

Of course, every driver wants to save on the cost of the contract and a legal entity is no exception. It is worth considering that there is only one way to save money - to drive the car carefully.

According to Federal Law 40, every driver who has driven for a year without an accident is entitled to a 5% discount. If for individuals the discount is fixed per driver, then for LLCs and individual entrepreneurs per car.

It must be taken into account that the maximum discount under the contract cannot exceed 50% of the base cost.

It’s worth noting right away that this is the first and only way to save. There are no additional discounts for parking (when several cars are accepted for insurance at once).

Documents for registration

You can purchase a mandatory protection form only if a complete package of all necessary documents has been prepared. It’s worth noting right away that the list is uniform and does not depend on which company the contract is concluded with, be it VSK or Liberty.

MTPL insurance for legal entities is issued if:

vehicle passport;
certificate of state registration.

From the specified date, a record sheet from the Unified State Register of Legal Entities or the Unified State Register of Individual Entrepreneurs is issued.

If the specified documents are available, a representative of the insurance company will be able to calculate the insurance premium and announce its amount. As for the registration procedure, it includes several main stages.

MTPL insurance for a legal entity:

1. Application for insurance

The first step is to prepare documents and fill out an application for insurance. It is worth noting that the application form is the same for both individuals and legal entities.

All sections of the application must be completed correctly. Corrections or erasures are strictly prohibited. The application form can be filled out on a computer, printed and signed and stamped by an authorized employee.

All documents should be handed over personally to a representative of the insurance company, who will generate a calculation.

You can download the application form from the link

2. Contract on compulsory motor liability insurance

Since the insurance company issues a policy only after payment, legal citizens request an agreement that sets out all the conditions for the mandatory product.

Additionally, the document may contain a clause for termination of the contract. At the same time, all the nuances are revealed in detail.

A sample contract can be downloaded from this link

Along with the contract, the representative of the organization receives an invoice for payment. As soon as the funds are transferred, you must print a copy of the payment order and bring it to the insurance company office.

It is important to consider that a legal entity can buy compulsory motor liability insurance either by bank transfer or in cash. In the latter case, the insured will be the employee who takes the funds from the accounting department accountably.

4. Obtaining a policy

Preparation of the policy takes no more than 15 minutes. It is worth considering that the insurer may request the vehicle for a visual inspection. This requirement does not contradict the provisions of the law. Once the forms are completed, all that remains is to sign and stamp the authorized employee.

How to issue an electronic MTPL policy for a legal entity

Starting in 2016, all motorists received a new product – an electronic MTPL policy for legal entities and individuals. As for the conditions, cost and tariff of insurance premiums, it is no different from the usual paper form. The only difference is that the form is filled out online.

To draw up an agreement you must:

data of the policyholder and owner;
vehicle characteristics.

It takes no more than 30 minutes to fill out the application.

At the same time, some drivers ask the question: is it legal to drive with a printed black and white copy? It must be taken into account that an electronic policy necessarily has legal force on a par with a paper contract, which is issued on letterhead.

As for purchasing online compulsory motor liability insurance for legal entities, various difficulties arise, among which it is worth noting:

the company does not make the contract;
The policyholder can only be an individual;
You can pay for the policy only with a personalized card, which was received from the bank in the name of the policyholder.

It turns out that it is easier for organizations to draw up an agreement form in person. It is worth considering that the procedure for registering an electronic product is being improved and refined every day.

Minimum and maximum policy period

As for the period for car insurance, according to the law, an organization can purchase a contract form only for a year. Seasonal insurance is not provided for this category of clients.

However, there is an exception, thanks to which you can buy a contract form for up to 14 days. Short-term protection is issued exclusively for the duration of the journey. To obtain short-term insurance you must:

provide transit numbers;
to write an application;
make payment.

Fines for absence

At the legislative level, a system of fines has been approved for drivers who have not completed the contract form. It is worth noting that the fines are the same for both individuals and legal entities.

The fine for lack of compulsory motor insurance is 500 rubles. It should be taken into account that the state provides a discount of 50% if the fine is paid within 20 days from the date of issuance of the protocol.

You should also pay attention to the fact that only 1 fine can be issued to the vehicle owner during the day.

To summarize, it should be noted that legal citizens are required to fill out a mandatory protection form. At the same time, you can buy protection both in the office and remotely. Before registration, you should prepare documents and, if necessary, provide the car for inspection.

If you have already used electronic insurance services, we invite you to share your experience, which will certainly help other legal entities. You can leave a message about how you drew up the contract, which company you used and what difficulties you encountered using the “Leave a Reply” form.

You can also indicate which documents helped you or are required. Eg:

any form example;
sample MTPL agreement with a legal entity.

If you encounter problems during registration and you need the help of insurers, insurance legal assistance on compulsory motor liability insurance, then an experienced specialist on our website is always ready to help you and provide answers to all questions.

You can ask our lawyer all questions. Legal advice will be provided as quickly as possible.

Additionally, we invite you to watch a video that talks about changes that may soon be adopted.