Why don't insurance companies insure trucks?

Why are trucks not insured under OSAGO 2019?

Thus, in the first quarter of 2014 in three regions of Russia: Amur, Ulyanovsk and Murmansk regions, payments reached 90% of collections, and in the Kamchatka Territory the amount of payments exceeded the amount of collected insurance premiums and amounted to 107%.

In addition, insurance fraud has not gone away. Fake policies are still being sold - drivers have just become more careful, and the forms have received modern protection. Changes in the motor vehicle license in 2019 were discussed two years ago, but no one knew what surprises awaited motorists when applying for compulsory motor liability insurance. In short, insurance will become more expensive, but at the same time the tariff corridor of base rates will increase.

How to insure a truck under MTPL

Since July, car owners have been required to conduct an independent examination of their insurer's cars.
This does not prohibit you from assessing the damage yourself by contacting an expert. Exploitation. Over time, the car wears out and parts fail, leading to the failure of an important unit.

On the Internet on thematic forums, you can often find questions from drivers about why OSAGO does not insure trucks, where to complain.

At the beginning of the year, insurers everywhere began to close their offices in anticipation of an increase in tariffs due to summer changes in legislation.

Commercial use of transport determines the need to always maintain the van in good condition, but after an accident or other incident there may not be enough funds for restoration.

Problems with insurers also arise when trying to get insurance in a foreign region, although this is absolutely not prohibited by Russian law. Compulsory motor vehicle insurance applies to all types of transport, including trucks, and the obligation applies to private truck owners and legal entities. Differing in some details, OSAGO truck insurance follows a similar scheme as for passenger vehicles.

From year to year, thousands of Russians face difficulties when applying for an MTPL policy. The authorities and public organizations like RSA are trying to help them, but their efforts are not always effective. Even the advent of an electronic policy did not completely solve the issue. Problems with compulsory motor liability insurance remain, and sometimes it seems that there are no fewer questions for insurers. In addition to rising tariffs, dissatisfaction is caused by the imposition of additional services, poor organization of work, the reluctance of insurers to meet their clients halfway and other problems.

Based on the rating of insurers, it is recommended to pay attention to the following organizations where to buy a policy:

Any insurance company, along with policies intended for passenger cars, issues documents for cargo vehicles. These are two very similar documents in appearance and design, which differ only in cost and in the base tariff used.

It should be noted that insurance companies define a truck by its intended use, not by its driving permit. Those. Any vehicle intended for the transportation of goods is considered a freight vehicle.

During the first half of 2014, the Federal Antimonopoly Service registered 1,500 complaints from car owners against insurers in 66 regions of Russia. Insurance organizations universally refuse to issue an MTPL policy and impose additional services. 47 insurers received warnings, cases were initiated against 34, and the court has already made decisions on 27 violations. And the verdict is always the same: the insurer is wrong.

The following changes will be made in the spring of this year, and they significantly change the conditions of auto liability insurance.
This results in the available payment limit being insufficient to cover expenses. By increasing the amount of compensation, insurers suffer losses due to the low cost of the policy, which is the reason for the increase in tariffs.

Details about obtaining compulsory motor vehicle liability insurance for a truck for individuals

Important!
Starting from 2019, reducing coefficients will come into effect, which will allow a number of car owners to save money when taking out an insurance policy. Or were additional services imposed upon registration? Have you set a date for submitting a package of documents and issuing a policy a month or two after the expiration of your current insurance policy? These actions of the insurer are illegal, and it is possible and necessary to call him to order.

Many of them directly depend on the amount of insurance premium paid and on the documents that need to be collected during the registration process.

Even the most in-depth analysis of the situation does not explain why problems are occurring with OSAGO policies in 2019. The most common of them are:

• lack of forms;
• imposition of additional services;
• problems with access to the database when registering e-OSAGO;
• incorrect calculation;
• late or underestimated payments.

Should we expect changes for the better?

If the insurer refuses to provide such a service, we can conclude that these are unscrupulous organizations or scammers.

There are a number of other companies that insure cargo transport. The choice in favor of one of them must be made by assessing the reliability, range of services, cost, and geography of the insurer’s presence in specific regions.

Also, from 01/09/19, insurers must calculate the cost of an MTPL policy taking into account new coefficients, the number of which has increased to 58 due to the introduction of a number of clarifying items.

Without reform, the majority of market participants will refuse to provide MTPL insurance services, and difficulties will arise in purchasing a policy. And the next changes to the legislation will be made in the spring of 2019.

What to do when the problem cannot be solved on your own

The regulator introduces an expansion of the base rate corridor by 20% in both directions.
The upper limit will be increased for all cars. For category “B” the corridor will be in the range of 2746-4942 rubles. Depending on the KMB, the average motorist in a region with good insurance will pay 7,000 for compulsory motor liability insurance. A young driver in a depressed region will pay 31 thousand, and a pensioner who operates a vehicle from time to time will pay only 1,700. So far, changes in legislation are insignificant.
Thus, since January 2019, all insurance companies are required to provide services for issuing an electronic MTPL policy. This also includes vehicles with a carrying capacity of less than 3.5 tons, for which driving category “B” is sufficient.
Car insurance is mandatory for any category of cars, because... no one is insured against an accident. Registration of an insurance policy in the CASCO category and insurance of MTPL trucks is carried out using a method similar to the standard procedure for insuring passenger cars.

OSAGO truck insurance in 2018: registration

Problems with issuing compulsory motor liability insurance in 2019 arise already at the stage of issuing a policy. There are not yet enough certified points of sale, and an electronic policy cannot be issued everywhere due to undeveloped infrastructure and lack of access to the Internet.

In order to avoid these consequences, it is extremely important to insure transport and issue compulsory motor vehicle liability insurance for a truck, both for individuals and legal entities.

Before taking out an MTPL policy, it is recommended to study how the cost of the policy is calculated and what indicators are taken into account in the calculations.

The list of unscrupulous companies included: Ingosstrakh, VTB Insurance, Yugoria, ASKO, Renaissance Insurance, Rosgosstrakh, AlfaStrakhovanie, VSK, ZHASO, SOGAZ, Alliance, BASK, Guta -insurance", MAX, SG MSK, "RESO-guarantee", "Soglasie", "Zurich", "UralSib". The Ministry of Finance on its website published an unambiguous position on this issue and offered the car owner a sequence of actions in the event of an unlawful refusal.

Why don't insurance companies insure trucks?

In the last two or three years, a situation has arisen in the insurance market in which it is very difficult to insure a truck (lorry) under compulsory motor liability insurance.

Having contacted the office of the insurance company, the client is faced with various demands (sometimes illegal) from employees.

• 1) provide the truck for inspection at an address convenient for the insurer.
• 2) the insurer has the right to consider an application for truck insurance under OSAGO for up to 30 days. Despite the fact that, for example, the old policy has expired.
• 3) the insurance company often requires that you take out a “voluntary” type of insurance when applying for compulsory motor liability insurance for a truck .
• 4) when issuing an electronic MTPL policy for a truck, a lot of errors arise (premium is more than 15,000, the database is “hanging”, documents do not pass verification, etc.)

The main reason for the massive refusal of insurers from compulsory motor liability insurance in categories C and D is the high unprofitability. When taking out an MTPL policy for trucks, the KBM (bonus-malus class) is very often an increasing one.

KBM is a coefficient that reflects the client’s unprofitability. There are cases when one truck has up to 7 losses.

The average payment under compulsory motor liability insurance for 2016 is 80,000 rubles. It is not difficult to calculate what kind of loss “brings” insurance of such a truck under compulsory motor liability insurance .

At the same time, the maximum premium under compulsory motor liability insurance for a truck with a maximum weight of 16 tons for Moscow is 45,654 (minimum 25,362).

Interestingly, the situation is simpler for legal entities. There are insurance companies that accept trucks of legal entities for insurance .

By contacting us, you are guaranteed to issue an MTPL policy for your truck from an insurance company from the TOP 10 today!

Features of MTPL for a truck

Each driver of a car who operates it for its intended purpose is required by law to have an MTPL insurance policy. Without mandatory car insurance, using transport will result in fines of 500-800 rubles. OSAGO for a truck for an individual is issued by both insurers and agents and other intermediaries. How to insure a truck under OSAGO? What documents do I need to provide? Is a valid vehicle inspection required? How much is insurance? Is insurance of trailers and cargo transported in the vehicle included?

How to insure a truck under MTPL?

The MTPL contract for a truck is concluded for a period of 1 year, as in the case of passenger vehicles. The procedure is regulated by Federal Law No. 40 “On Compulsory Motor Liability Insurance” and Bank of Russia Regulation No. 431-P “On the Rules of Compulsory Motor Liability Insurance”. A truck can be insured by both an individual (owner) who uses it for personal purposes, and individual entrepreneurs or legal entities who use vehicles for commercial purposes, including for the transportation of dangerous goods. Insurance of cargo transported by this vehicle is not included in the MTPL coverage; a separate policy must be issued for them (hull insurance, special insurance). To obtain an MTPL policy for a truck you must:

1. Choose an insurance company that will sell the policy.
2. Collect a package of documents.
3. To write an application.
4. Get a truck insurance quote.
5. Provide the vehicle for inspection.
6. Pay a premium.
7. Enter into a contract.

All actions of the truck owner are standard and carried out in accordance with federal law. The organization does not have the right to refuse a client to obtain insurance due to clause 1.5 of the OSAGO Rules. The policyholder has the right to choose any insurer that has a valid license to carry out compulsory car insurance activities.

Insurance cost calculation

The price of an MTPL policy for a truck is formed in the same way as for a passenger car. Directive of the Central Bank No. 3384-U establishes the basic rates, as well as the coefficients by which the cost is calculated. For a cargo vehicle weighing less than 16 tons, a tariff corridor is set from 3,509 to 4,211 rubles, for trucks weighing more than 16 tons - from 5,284 to 6,341 rubles.

Formula and example of calculating the price of insurance for a truck

The cost of insurance for a truck is calculated according to the formula given in Appendix 4 to the Directive:

Sum = ST x KT x KBM x KVS x KO x KS x KN x KPR, where:

• St - base tariff rate;
• Kt - regional coefficient;
• KBM - bonus-malus coefficient;
• KVS - age-experience coefficient;
• KO - restriction coefficient for drivers allowed to drive a car;
• KS - coefficient of the period of use of the car;
• KN - coefficient for violation of the law;
• KPR - coefficient of presence/absence of a trailer.

It is necessary to calculate the cost of an MTPL policy for a vehicle with a carrying capacity of 15,000 kg (KAMAZ without a trailer). Its owner is an individual registered in the Kurgan region. He is 36 years old, has more than 10 years of driving experience, class according to the KBM table - 7. An individual intends to use the vehicle only 4 months a year without restrictions on the number of drivers allowed to drive. The calculation is carried out by multiplying all indicators: Sum = 3,509 x 0.6 x 0.8 x 1 x 1.8 x 0.5 x 1 x 1 = 1,515.89 rubles or Sum = 4,211 x 0.6 x 0 .8 x 1 x 1.8 x 0.5 x 1 x 1 = 1,819.15 rubles. That is, the cost of insurance for this truck will be from 1,515.89 to 1,819.15 rubles. For inexperienced drivers under 22 years of age and with less than 3 years of experience, insurance will cost several times more.

The insurance company has the right to set a base tariff within the tariff corridor that was approved by the Central Bank. All indicators of the coefficients used to calculate the cost of the policy are presented in the corresponding tables in the Central Bank Directive No. 3384-U. Knowing the details of the vehicle and the owner or drivers allowed to drive, you can independently find out the price of OSAGO truck insurance. If you have difficulties understanding the formula and calculation mechanism, you can use the calculator on the RSA website or the online calculator on the website of the selected insurance company.

Where can I get an insurance policy?

The issuance of a transport policy is carried out by insurance entities, which include insurance companies themselves, agents, brokers and other intermediaries. If the owner of a truck is taking out an insurance policy for the first time, he should contact a trusted insurer at the place of registration that has proven itself in the market (VSK, Ingosstrakh, Rosgosstrakh, MAX, SOGAZ, "RESO-Garantiya", "Uralsib", etc.). If this is not possible, then in order not to stumble upon scammers, it is worth checking for a valid license from an organization that is ready to sell a car insurance policy.

To check the integrity of the insurance company, you can go to the website of the insurance market regulator - the Central Bank. On it you can find current registers of SSD indicating the contact details of the organization, the status and date of issue of the license, as well as the types of insurance that this company has the right to engage in as part of its activities. The RCA website provides information about current members of the Union of Motor Insurers, as well as about partner companies that are engaged in issuing e-OSAGO for cars.

What documents are needed?

Insurance for a truck is issued in accordance with the MTPL Rules. According to the document, every owner of a car, including a truck, has the opportunity to conclude a compulsory insurance agreement, if he has an application requesting the conclusion of an agreement and documents, the list of which is established in clause 3 of Article 15 of the Law “On Compulsory Motor Liability Insurance”. These include the following:

• Application in the prescribed form;
• Passport for individuals and individual entrepreneurs;
• Certificate of registration for a legal entity;
• Vehicle registration certificate, vehicle passport;
• Driver license;
• Diagnostic card with a valid technical inspection (for cars older than 3 years).

In the application, the owner of the vehicle must indicate personal data and information about the truck (PTS number, STS number). He can also indicate the name and address of the service station where, in the event of an insured event, repairs will need to be carried out. The client has the right to provide the listed documents in the form of electronic copies by sending them to the insurance company by email. The insurer has the right not to require the car owner to provide all documents, since it can obtain the necessary information from a single database or make a request to the relevant government agencies.

How to apply for MTPL for a truck online?

OSAGO online for a truck is issued on the official website of the selected insurance company. To begin, the policyholder must enter all personal information and car data (passport number, STS number, availability of technical inspection, availability of a trailer, etc.) into the calculator form to calculate the cost of the MTPL policy. If the price obtained during the calculation is acceptable to the car owner, then he can proceed directly to the registration of e-MTPL. To do this, you need to fill out an electronic application on the website and send the application. If everything is indicated correctly and the payment of the insurance premium goes through, then within a few minutes you will receive a message from RSA about the conclusion of the contract and a message from the insurer with an electronic MTPL policy by email.

If the information from the application does not match the data stored in the UAIS, the system will require downloading electronic copies of documents. They will be checked manually by the insurer's employees.

Sometimes, when applying for an electronic policy on the insurance company’s website, technical glitches occur and the service offers to complete the registration of insurance on the RSA website in the contract guarantee system. The policyholder may refuse this opportunity and try to issue e-MTPL later, or he may agree. E-guarantor RSA will select a new insurer to conclude a contract in a random manner according to PTS data. There will be no need to fill out the application again; all information will come from the insurance company’s website.

Why don't insurance companies insure trucks?

Insurer clients often encounter problems applying for compulsory motor liability insurance policies both in the company’s office and online. The reason for refusals to conclude a truck insurance contract is low profitability - insurance premiums are low due to the low base rate, and repair costs after an insured event are high. Agents and other intermediaries do not sell OSAGO for trucks because insurance organizations do not pay them commissions for this.

No company gives official written refusals, since such actions contradict Russian legislation. However, they set unreasonable deadlines for considering an application for issuing an insurance policy, refer to the lack of policy forms, etc. Without any problems, insurance can be obtained only for legal entities, since due to the fact that the policy is issued for an unlimited number of car drivers, the cost increases.

The solution for an individual who cannot buy truck insurance is to file a claim with the head of the insurance company. If it does not take effect, then you can write a complaint to the Central Bank, Rospotrebnadzor, RSA. The period for responding to a complaint is 30 days. If there are several cases of refusal to different drivers, then they have the right to file a collective complaint against the insurer’s actions with the prosecutor’s office.

Conclusion

Registration of an insurance policy for trucks is carried out according to the same principle as for cars. Federal legislation provides for the procedure, a list of required documents, the validity period of the insurance contract, etc. Tariffs for cars of category “C” are slightly lower than for category “B”, so for a driver who follows traffic rules and has a high driving class, such insurance will cost an average of 4,000-5,000 rubles. Cargo is insured separately and at different rates.

How to insure a truck under OSAGO online

A motor vehicle license is a mandatory document for every driver. OSAGO truck insurance is carried out according to an algorithm similar to the standard procedure for passenger cars. Although the methods are similar in design, there are some differences.

Do I need to insure a truck under compulsory motor liability insurance and when?

Like cars, a truck can also be stolen, damaged, or involved in an accident. That's why it should be insured.

By contacting the policyholder, an individual or organization can take out a policy for a standard period of 1 year. The procedure is regulated by Law No. 40 “On Compulsory Motor Liability Insurance” and Bank of Russia Regulation No. 431-P “On the Rules of Compulsory Motor Liability Insurance”.

The cargo carried by the vehicle is not covered by the insurance. This means that you will have to obtain a separate policy for it.

In rare cases, compulsory motor liability insurance is issued for 5 years. This usually concerns a foreign car owner.

What kind of compulsory motor vehicle insurance is there for a truck? Is it possible to enter several drivers? What are they insured against?

The policy can be issued in two types:

1. Paper: the document is produced on a colored form with holographic protection. Information about its availability will be stored in the RSA database, but it will not be possible to print it again. In case of loss, you will have to restore it at the office of the insurance company.
2. Electronic: this version of the MTPL policy is no different from the paper one. The only difference is that the insurance is stored digitally in the database of the Russian Union of Motor Insurers. If necessary, it can be printed an unlimited number of times. The digital version has the same legal force as the paper version.

In the application, the individual or legal entity must indicate whether the insurance will be limited or unlimited. Since a truck is often used by organizations for regular transportation of goods and other things, they need more than one driver to be included in the policy. Then it makes sense to make a car citizen with an unlimited number of drivers. If the car owner is sure exactly who will drive the vehicle during the year, he should purchase compulsory motor insurance with a restriction.

Typically, vehicle owners take out insurance for such cases as:

• car theft: even despite the size of the vehicle, theft happens quite often;
• truck wear and tear;
• traffic accident;
• natural disasters;
• car damage at the hands of vandals.

Are there any differences in truck insurance for individuals and legal entities?

Despite the fact that the procedure has many similarities, there are some nuances. Thus, when insuring a legal entity, an organization is not able to predict some points:

• what drivers will drive the vehicle;
• when and how many trustees there will be within 12 months;
• Will there be a change in these people: will they leave their jobs or be fired, etc.

That is why it will be beneficial for many companies to enter into an agreement with an insurance company on the principle of unlimited compulsory motor liability insurance.

Truck insurance requirements

During the procedure, the insurer will pay attention to the following characteristics of the car:

• vehicle production date: the newer it is, the better the conditions will be offered;
• car model: preference is given to foreign ones;
• load capacity;
• engine power;
• season and duration of operation.

Can they refuse and why: when is it legal and when are they not allowed?

Insurance company clients may be faced with issuing compulsory motor vehicle liability insurance for a truck. Most often this happens due to low profitability. Insurance premiums are low due to the small base rate, and repair work after an insured event is expensive. The agents themselves or other intermediaries are in no hurry to issue a policy for a truck, since the insurance company will not pay them a commission for the procedure.

Of course, the car owner will not receive an official refusal, since this is contrary to Russian legislation. Instead, the insurer will set unreasonable deadlines for considering the application for compulsory motor liability insurance or will refer to the lack of policy forms.

However, in the case of legal entities, the production of the policy will take place without problems. The fact is that the car license will be issued for an unlimited number of drivers, which means that the cost of the procedure will increase.

If an individual is unable to purchase a truck policy, they should file a claim with the insurance company management. If this does not help, then you need to write a complaint to the RSA and the prosecutor's office.

How to insure a truck: necessary documents and step-by-step instructions

To buy an MTPL policy, a car owner should adhere to the classic algorithm:

1. Choose an insurance company that is suitable for conditions and reliability.
2. Submit an application with a prepared package of papers.
3. The insurer reviews the documentation and approves the application.
4. The client is invited to an interview and formalization of the agreement.
5. An insurance company agent calculates the cost of compulsory motor liability insurance.
6. The car owner pays the insurance premium. He is given a receipt as confirmation of the amount deposited into the insurer's account.
7. The client signs an insurance contract and receives a compulsory motor liability insurance policy.

To issue a policy, the vehicle owner must prepare the following package of papers:

• vehicle passport;
• driver's license and other identification documents;
• diagnostic card (check if it has expired);
• if you have a previous policy: if there was an accident-free driving, the client can count on a discount;
• car purchase documents;
• vehicle registration certificate;
• notarized power of attorney: in case the owner of the truck cannot be present.

If it is expected that the car will be driven by other drivers, you will have to submit documents that prove the identity of each of them.

List of papers when registering for a legal entity:

• document confirming the purchase of this truck;
• certificate of registration of the organization;
• unexpired diagnostic card;
• vehicle registration certificate;
• list of drivers who will drive the car. Add their passports and driver's license numbers to it. This is not required if you take out an unlimited policy;
• notarized power of attorney for a company representative.

How to calculate the cost of truck insurance: what increases the amount, what is the base rate, formula, calculation example

The price of compulsory motor liability insurance is formed in the same way as when insuring a passenger car. The Central Bank sets the basic rates and the coefficients with which the amount is calculated. The basic tariff as of 2019 for a truck weighing less than 16 tons ranges from 3,509 to 4,211 rubles. For vehicles weighing more than 16 tons - from 5,284 to 6,341 rubles.

The amount of insurance is influenced by the following factors:

• place of registration;
• age with driving experience;
• number of drivers;
• duration of the policy;
• coefficient of gross violations;
• accident-free driving;
• availability of a trailer;
• period of use of the vehicle.

Formula for calculating the price of compulsory motor liability insurance:

Amount = ST x CT x KBM x KVS x KO x KS x KN x KPR . Here:

• ST - basic tariff;
• CT - coefficient for the region;
• KBM - bonus-malus coefficient;
• KVS - age-experience coefficient;
• KO - restriction coefficient for drivers who are allowed to drive a truck;
• KS - time coefficient of car use;
• KN - coefficient for violation of the law;
• KPR - coefficient of the presence or absence of a trailer.

Let’s assume that an individual registered in the Kurgan region has a KAMAZ truck without a trailer weighing 15 tons. He is 36. Driving experience is over 10 years. KBM class - 7. The client intends to operate the truck for four months per year and with an unlimited number of drivers approved to drive it.

According to the formula, it will be:

Amount = 3,509 x 0.8 x 1 x 1.8 x 0.5 x 1 x 1 = 1,819.15 rubles. This means that the cost of the policy for this truck will range from 1,515.89 to 1,819.15 rubles.

Electronic MTPL for a truck: is it possible and how to get it, step-by-step instructions

To obtain a digital insurance option, the client does not even have to leave home. It is enough to have a computer and access to the Internet.

If the vehicle owner wants to receive an electronic insurance option, the algorithm will change slightly:

1. First, the client needs to go to the official website of the selected insurance organization. You need to make sure that it provides online registration services.
2. Here he registers by entering his personal data and car details into the calculator form. This will allow you to calculate the preliminary cost of the policy.
3. Upon receipt of a price acceptable to the client, he can proceed to registration of compulsory motor liability insurance. You must fill out an application electronically on the company’s website, indicate the method of payment and the option to receive the policy - by regular or email.
4. Pay the required amount for the policy.
5. Submit your application.
6. If the car owner has correctly entered the information and paid the amount of the insurance premium, within a few minutes a letter from RSA will be sent by e-mail about the conclusion of the agreement. The insurance company will also send a message containing the electronic compulsory motor liability insurance form.

Where can you get insurance and how to choose an insurance company

The client can purchase a policy from a company that has the appropriate license. He must check in advance whether the organization has these documents, since the insurer’s expired papers will automatically be invalidated by compulsory motor liability insurance.

To choose a suitable insurance company, the car owner must compare the proposed conditions and evaluate its reliability.

How to insure a truck under MTPL in 2019

Not only cars must be insured for safe and legal use. This applies to large vehicles, for which you will also have to obtain a policy. OSAGO for a truck is issued by contacting the insurance company and submitting the required package of documents.

Basic Rules

Depending on the type of vehicle, the procedure for insuring it and the list of documents differ. For cargo vehicles, there is another feature - the need to protect not only the vehicle itself, but also the cargo it transports. Often in an accident, the price of damaged products (materials) is much higher than the damage to the vehicle itself.

That is why you can buy truck insurance through numerous programs, including protection of transported materials. A number of companies offer different options for the owners to purchase such cars, so if the documents are properly prepared, there should be no refusal.

The cost and procedure for insuring a truck, van, refrigerator, etc. differs. Much depends on the chosen company, the weight of the vehicle, and driving history.

Cost of insurance

Since large vehicles often transport specific cargo: chemicals, building materials, large objects, etc., they pose an increased danger on the road. Hence the need for companies to insure them with a special coefficient.

From April 12, 2019, tariffs for vehicles of categories “C-1”, “C” and “CE” increased. The base rate for trucks is RUB 5,284-6,341.

How to calculate

Almost every official website of popular insurers has an online MTPL calculator. This service allows you to enter car data and find out the amount of payment for purchasing the policy. To calculate truck insurance online, you will need to consider the following parameters:

• the owner of the car is an individual or legal entity (not only the cost of the policy depends on this, but also the list of required documents);
• car registration area (necessary to determine the coefficient that will be required in the calculation process);
• the validity period of the policy – ​​in the standard case is a year, but can be issued for a different period;
• type of vehicle (depending on weight);
• driver experience;
• information about previous insurances.

Taking into account all the above factors, the calculator will immediately determine the cost of the policy. This will allow the interested party to plan the costs of its acquisition.

What documents are needed

To apply for compulsory motor liability insurance for a truck, you will need to collect a set of documents. Its composition depends on who exactly is the owner of the vehicle. When submitting an application, the agent checks the authenticity and correctness of the papers, after which he can begin to draw up the contract.

For individuals

If the owner of the car is a private person, you must submit to the insurance company:

• statement;
• the owner’s driver’s license and copies of similar documents of those persons who will be able to drive the car in the future;
• PTS;
• diagnostic card;
• owner's passport;
• vehicle registration certificate;
• previous policy, if available;
• a document confirming the applicant’s rights to a vehicle;
• power of attorney (if a representative acts).

An individual should have the listed documents with him at the time of drawing up the application.

For legal entities

If the owner of the vehicle is an organization, then the package of papers that will be required to issue the policy will be as follows:

• mandatory documents confirming the registration of a legal entity (charter, current extract from the Unified State Register of Legal Entities);
• confirmation of ownership of the vehicle (for example, a purchase and sale agreement);
• diagnostic card;
• vehicle registration certificate;
• driver's licenses of all motorists who will be driving the truck;
• a list of drivers assigned to this vehicle;
• previous policy (if available);
• power of attorney for the person who applies to the insurer from the organization.

Compulsory motor liability insurance for legal entities is issued upon application indicating the names of those who will drive the truck. If you need to obtain insurance without restrictions, then the corresponding list is not required.

Free legal consultation by phone:

Moscow, Moscow region. +7 (499) 322-27-86

St. Petersburg, Leningrad region. +7 (812) 407-29-43

Calls are free. We work seven days a week!

Automobile license without additional services

When contacting a company, a car enthusiast is put in a difficult position by an attempt by insurance company representatives to force the purchase of life insurance or another package of services. According to current legislation, including on the protection of consumer rights, the interested person must receive exactly the service for which he applies, regardless of his consent to enter into other contracts.

How to refuse additional insurance for compulsory motor liability insurance? You can use one of the following options.

• State your position orally. If this is sufficient, then no further action will have to be taken.
• Submit an application solely for the purchase of a policy.
• File a complaint against the insurance company if they illegally refuse to sell a policy without additional services.

You should act depending on the situation, since one oral statement may be enough to resolve the problem or, conversely, you may need to protect your rights in court.

Trailer insurance procedure

A truck owner may be wondering whether insurance is needed for a trailer? You don't have to get it separately. However, when submitting a written application or online application, you must indicate its availability. This information will be reflected in the policy.

Registration procedure

Insurance of trucks under compulsory motor liability insurance is carried out in several stages.

1. Selecting a company based on convenience and reliability.
2. Submitting an application and the required package of documents.
3. Insurance calculation, determination of its cost.
4. Waiting for a response from the insurer regarding the conclusion of the agreement. Refusal may occur in exceptional cases, with an explanation of the reason.
5. Payment with receipt.
6. Registration of the contract.
7. Receipt of the policy by an individual or a representative of an organization.

Typically, there are no difficulties in the process of insuring MTPL trucks, provided that the required documents are submitted correctly.

Where to contact

Choosing an insurer is one of the main tasks of a vehicle owner. The cost and speed of obtaining the policy depend on this. Who insures trucks? There are a number of companies you can contact on this issue. In particular:

If the owner cannot decide where to insure a truck in Moscow or another city in the Russian Federation, it is necessary to rely on the cost of the service and the requirements of each company.

Conditions in different insurance companies

The above insurers operate in the same range of risks:

• accident in the yard of the house;
• road accident;
• accident involving a pedestrian.

Which companies provide insurance on the most favorable terms? It is impossible to give an unambiguous answer to the question, since much depends on the type of car, the number of people who will drive it, and the technical condition of the vehicle.

It is advisable to calculate the price of the policy individually; this can often be done on the company’s website. In addition, it is advisable to pay attention to whether the insurer has a license.