Calculation of the amount of MTPL insurance

OSAGO calculator - calculating prices according to new tariffs

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What data is needed to calculate the cost of compulsory motor liability insurance?

OSAGO calculator

Hint for you!

According to the Directive of the Central Bank of the Russian Federation, the e-MTPL agreement begins to be valid no earlier than 3 days after the day of registration.
We recommend planning your purchase in advance

• Express payment
• Full payment

Each insurance company independently selects a base rate within the specified range. By filling out the full calculator, you will see the exact prices from different insurance companies.

FAQ

What affects the cost of compulsory motor insurance?

• To calculate the cost of compulsory motor liability insurance, insurance companies take into account the coefficients for each specific driver, where all taken into account are multiplied by the base tariff rate.
• Main coefficients affecting the cost
  • TB – basic tariff rate.
  • CT – territorial.
  • Km – vehicle power.
  • Kvs – age.
  • KBM is a bonus-malus, which can both provide a discount and increase the cost of the policy.
    Your KBM will be calculated based on the number of years of accident-free driving.
  • Kn – increasing coefficient in the presence of gross violations of the rules of compulsory motor liability insurance.

How is OSAGO online calculation performed?

• The cost of an MTPL policy is not a static value. Legislative changes are regularly made to existing tariff algorithms. On our website, all of them are already taken into account in the 2019 OSAGO calculator and calculations are carried out according to new tariffs.
• The software function allows you to calculate the cost of an MTPL policy by entering the required information.

Clue!
When filling out the online form ( OSAGO calculation 2019 ), you can always go back to adjust the data to recalculate the cost of OSAGO, taking into account the KBM. You can also continue the calculation of compulsory motor liability insurance at any time, because The data you enter is saved.

What is better than an online calculator compared to a standard one?

• Mobility
  The ability to perform calculations using the OSAGO calculator using the most advantageous option - at home or in the office, without leaving your computer.
• Quick search
  The MTPL online calculator allows you to compare policy cost calculations from a number of reliable insurance companies with a solid reputation and select the best policy option.
• Taking into account all factors influencing the price of OSAGO
  The OSAGO calculator takes into account all factors of cost formation - technical, economic, geographical, human and provides the most accurate information.
• Favorable conditions
  The calculator provides information on the price of OSAGO, taking into account all promotions and bonuses.

Instant results*

Providing information about the price of the policy in just a few minutes.

If you enter the most accurate and reliable information into the fields of the OSAGO calculator, then the preliminary and final calculations will be the same.

The cost of a policy may vary among different insurers depending on the base rate they apply.

OSAGO calculator

How to buy an MTPL policy online

Now almost all insurance companies offer to issue an electronic MTPL policy online without leaving your home. The procedure consists of filling out a form on the insurer’s website, which indicates all the necessary data for issuing a policy, such as information about the car, information about drivers, etc. The cost of the policy is calculated automatically after you enter the data, taking into account the KBM. You can also pay online with a bank card. After payment, an electronic E-MTPL policy will be sent to your email address, as well as related materials: insurance rules, a memo, an accident notification with an example of filling out.

How to calculate the cost of an MTPL policy

The cost of an MTPL policy is calculated based on basic rates and insurance coefficients using the following formula:

Basic tariffs and coefficients are approved by the government of the Russian Federation. The coefficients are constant for all insurance companies, and the base tariff has a corridor within which insurance companies can set the price (since 2014). Thus, the cost of the policy may vary among different insurance companies.

You can calculate the cost of MTPL with our calculator very accurately, regardless of the choice of insurance company.

Changes to OSAGO

Changes from January 9, 2019:

• Basic tariffs have changed. The range has become wider. Let us recall that basic tariffs are set as a range for different types of vehicles. Coefficients are applied to the base rate and thus the final cost of the policy is calculated. Insurance companies can set their tariff within the corridor.
• The KBM will be installed once a year - on April 1. Until this day, it was set on the date the policy was issued.
• The coefficient for an unlimited number of drivers (KO) has increased from 1.8 to 1.87. The CR ratio for a legal entity remained unchanged - 1.8
• The number of driver categories for determining the KVS (age-experience) coefficient has been increased to 58. Each category has its own coefficient. See table.

Amendments dated September 25, 2017:

• Now you must contact your insurance company for compensation, regardless of the number of participants in the accident. This is called "direct damages." Previously, this option was possible only when there were two participants in the accident.

Changes from October 1, 2015:

• It is now possible to purchase an electronic MTPL policy via the Internet.
  Only novice drivers, information about whom is not yet in the database of the Russian Union of Motor Insurers, will not be able to use this service. Check the possibility of providing this service with a specific insurance company.

New as of July 1, 2015:

• Car owners have the opportunity to renew MTPL policies with their insurance company electronically via the Internet. To purchase a new policy, you must still contact the office of the insurance company.

A set of amendments regarding payments for harm to life and health dated April 1, 2015:

• The limit of payments for the life and health of victims increases from 160,000 to 500,000 rubles.
• The procedure for confirming the fact of injury to health in an accident and the procedure for receiving payment under compulsory motor liability insurance are being simplified.

Tariff changes from April 12, 2015:

• An increase in the base tariff by 40% and an expansion of the tariff corridor to 20 percentage points, so the increase was 40-60%.
• Changes in territorial coefficients both up and down.

The coefficients have been increased: Adygea, Murmansk region, Amur region, Mari El Republic, Voronezh region, Ulyanovsk region, Kamchatka region, Chelyabinsk region, Kurgan region, Chuvashia, Mordovia

The coefficients have been reduced: Leningrad region, Baikonur, Magadan region, Dagestan, Republic of Sakha (Yakutia), Jewish Autonomous Region, Republic of Tyva, Trans-Baikal Territory, Chechen Republic, Ingushetia, Chukotka Autonomous Okrug

On October 11, 2014, a decree of the Russian government was adopted regulating the new procedure for calculating the MTPL policy.
Here are the main innovations:

• The emergence of a tariff corridor, which allows insurers to deviate from the base tariff within certain limits. Thus, the cost of the policy in different insurance companies can now vary within small limits.
• Increase in base rates for all types of vehicles by 25-30%.
• Increase in payments under the MTPL policy from 120,000 to 400,000 rubles
• There is now an opportunity to send your car for repairs under the MTPL policy
• Expansion of the Europrotocol to 50,000 rubles

Insurance coefficients

CT - territory coefficient. Determined by the region of registration of the vehicle.

To view the odds of the region you are interested in, select it from the list:

OSAGO calculator

OSAGO calculator - online calculation of the cost of the policy in Moscow and other cities of the Russian Federation. The new 2020 OSAGO insurance calculator will allow you to compare the price of an “electronic policy”, according to the updated rates of the compulsory civil liability insurance policy (depending on the locality coefficient). Today, you can calculate the cost of compulsory motor insurance in two ways:

• ONLINE - by filling out a short online form with information about the driver and the insured vehicle;
• Find out the cost of the MTPL policy by contacting the insurance company.

At the same time, the price of the policy depends on many factors and is calculated using a special formula, including the category of the car, the class of the driver, his length of service, experience, place of residence, engine power and a number of other points provided for by the insurance.

Online calculation of OSAGO 2020

OSAGO price 2020

Buying an MTPL policy at the best possible price is the cherished desire of every car enthusiast. The cost calculator operates in a fully automatic mode, which makes filling it out much easier. To carry out a competent and error-free online calculation of the price of an insurance policy, you need to select only those items that correspond specifically to your situation. The electronic calculator includes only 8 points of the insurance rate, which are impossible to see at the same time, since they appear as you fill out the form. The main categories influencing the final coefficient of the OSAGO online calculator:

1. type of owner (legal or individual);
2. place of registration of the vehicle;
3. deadline for registering a joint venture;
4. vehicle type;
5. engine volume;
6. age and driving experience;
7. selecting the number of previously issued joint ventures;
8. the number of accidents in the previous period of use of the vehicle.

Apply for an electronic OSAGO policy online

Based on the data you entered, the electronic compulsory motor liability insurance will calculate the estimated cost of insurance, and the final result should appear the minimum value of the price of the insurance policy, which can be issued using the additional features of our website.

Remember, if you were contacted with an offer to buy e-MTPL, the price of which does not correspond to the selected limits, this is most likely a scam, or “additional services” were included in the cost of your car insurance.

In addition to the above 8 points, which form the final price for the MTPL policy, the calculator must have other values ​​expressed in coefficients. The basic tariffs are multiplied by these indicators (most of which are reflected in 8 points). To the already known 8, we should add the 9th, which is a bonus malus designed to reward car enthusiasts for careful driving. The longer the driver does not get into an accident, the lower the cost of insurance. True, it will not be possible to issue a policy taking into account this rate in all insurance companies; most of their services are based on regional characteristics and are not universal for all of Russia.

The website “kalkuljator-osago.ru” was created for caring motorists who want to find out the current cost of insurance.

Compulsory motor vehicle liability insurance calculator 2020 - online calculation of a compulsory motor third party liability insurance policy will allow you to compare the price of a motor vehicle liability insurance policy, according to updated tariffs (depending on the locality coefficient).

An approximate calculation of the cost of an MTPL policy for 2019 - 2020 can now be done via the Internet, but it is worth remembering that the final price is still determined by the insurance company. If you want to buy car insurance and save money at the same time, this is possible by constantly increasing your accident-free driving record, as well as by refusing additional services.

All rights reserved © OSAGO Calculator 2020

OSAGO calculator: calculate the cost online, tariffs, coefficients, policy price, maximum payments

OSAGO calculator online

A convenient way to calculate your policy

OSAGO CALCULATOR

An OSAGO policy is a compulsory motor third party liability insurance agreement that will help the car owner financially protect himself in the event of an accident due to his fault.

Compensation will be triggered when civil liability occurs as a result of causing harm to the life, health or property of third parties while driving a car. The maximum limit of liability of the insurer for each case is:

1. for damage to life and health - four hundred thousand rubles;
2. for property damage - five hundred thousand rubles.

In case of an accident with three or more drivers, each victim can claim insurance compensation in the amount of the above limits. It is important to remember that this type of insurance does not cover the costs of restoring the car of the person responsible for the accident. This type of protection is provided by Casco. Insurance can be purchased on paper or electronically.

Federal Law No. 40 establishes a ban on driving a car without a contract. The penalty for failure to comply with this requirement is:

1. if the driver does not have car insurance with him - five hundred rubles;
2. driving during a period not provided for by the contract - five hundred rubles;
3. driving a vehicle by a driver who is not included in the insurance – five hundred rubles;
4. absence of a valid insurance policy for the vehicle – eight hundred rubles.

What do you need to calculate the cost of insurance?

The policy price is calculated using the base rate and additional adjustment factors. This tariff is set by each insurance company at its own discretion within the range approved by the Central Bank. Adjustment factors are also developed and approved by the Central Bank, but, unlike the basic tariff, they are the same for everyone. The parameters that influence the calculation of the cost of insurance include:

1. territory of use of the car or region of registration of the owner of the vehicle;
2. presence/absence of accidents in history;
3. presence/absence of restrictions;
4. the number of complete years and experience of driving a car;
5. number of horsepower;
6. using a vehicle with a trailer;
7. period of operation of the vehicle;
8. contract time.

What documents are needed for registration?

To purchase this type of compensation you may need:

1. identification document of the policyholder;
2. PTS or STS;
3. registration of all those admitted to driving (if the contract is drawn up with a list of drivers by name);
4. a valid diagnostic card (if technical inspection is required by law).

Today it is not necessary to go to the insurer’s office and apply on a paper form. Issuing an insurance policy electronically has a number of significant advantages:

1. Simplicity in design. To apply for a policy, you do not need to visit the insurance office - just fill out the form provided. The data specified in the application will be sent to the RSA database for verification, and after verification it will be generated automatically.
2. Delivery. You won't need to adjust your schedule to meet with the courier or insurance agent. The agreement will be sent to you electronically by email. It will be enough to print it out and always have it with you.
3. Less risk of fraud. One of the main problems with paper policies is the likelihood that an unscrupulous seller will issue you insurance on a fake form. Unlike a regular form, you buy an electronic policy through the website, and it almost immediately appears in the RCA database.
4. The policy is always at hand. In case of loss or damage, you will only need to re-print it.

Despite all the listed advantages, the type of policy - paper or electronic - does not in any way affect the cost of insurance.

How to insure a car cheaply?

Since the insurance company can set the base rate at its discretion, the cost of insurance in different companies may vary. Using our calculator, you can not only choose the best offer at the lowest price, but also save time - apply through our website.

Advantages of registration through our website

1. Opportunity to find out the cost of the largest companies at competitive prices. You can save a lot.
2. To purchase insurance, you do not need to go anywhere - just fill out an application for the selected offer. Delivery is free in some regions.
3. On our website you can purchase an electronic policy. At the same time, you will not have to fill out the same type of forms several times on the websites of different insurers. The application filled out on our website will be sent simultaneously to several companies, all you have to do is choose the offer you like.
4. We guarantee the authenticity of insurance purchased through our service.

How to apply for a policy on our website?

First of all, you need to calculate the insurance for your car. To do this, fill in our calculator with information about the vehicle and insurance parameters, namely:

1. make, model, year of manufacture and modification of the vehicle;
2. period and start date of insurance;
3. region of registration and actual residence of the owner;
4. information about the owners.

When calculating the cost, you may not fill out all the fields, but in this case the calculation will not be accurate, without taking into account the bonus-malus coefficient, which, depending on the driver’s insurance history, can range from 0.5 to 2.45. If you want to make insurance without restrictions on the number of persons allowed to drive a vehicle, then to calculate the CBM you must indicate the passport details of the owner and the VIN of the car.

We work only with trusted partners, so no matter which company you choose, we guarantee its authenticity.

OSAGO calculator

Simple calculation

• Individual
• Entity

• Limited
• Unlimited

This calculation is approximate.
Each company sets its own car insurance rates.
To do this, in order to find out the exact cost of compulsory motor liability insurance and compare prices from different insurance companies,
you need to enter the data of the driver and the car.

Please note that you will not be able to obtain compulsory motor liability insurance without passing a technical inspection. You can view the list of technical inspection operators on the official RSA website.

Full payment

KBM accounting | Price comparison | Decor

Where else can you apply for
an electronic MTPL policy:

Insurance companies

Official portals of insurance companies. You can buy a policy directly on the website.

OSAGO aggregators

Sites where you can compare costs from several companies and apply for a policy.

Necessary documents for accurate calculation and registration:

Car owner's passport

If you are not one, you will need the owner’s passport details.

Driver's license

The rights of all drivers included in the MTPL insurance policy.

Certificate of registration or PTS

One of these documents containing data about the car.

Diagnostic card or technical inspection

Technical inspection card if the car is more than 3 years old.

The MTPL policy is a compulsory type of insurance that every car owner must have. The absence of a motor vehicle license from the owner of the car or the person allowed to drive it is punishable by a fine. And in the event of an accident, it is dangerous to incur additional expenses that will have to be covered from your own funds. In fact, MTPL is the protection of all road users , not the car itself. In the event of an accident, all expenses of the victims are compensated by the insurance company, and not by the culprit of the accident.

Features of the acquisition of compulsory motor liability insurance

In 2019, absolutely all insurance companies offer to purchase an electronic car insurance policy. It has the same legal force as a paper OSAGO. The only difference is the time and effort spent on design. The client just needs to go to the website and select the appropriate insurance policy.

Features of the electronic policy:

• arrives electronically by email;
• you can present it to a police officer even on your phone; if you wish, you can simply print out the policy and put it in your car;
• Payment for the policy occurs online.

That is why most citizens are already switching to e-OSAGO, abandoning the paper version. Moreover, this registration option provides a small discount from the insurer. It also makes it possible to refuse imposed services at insurance offices.

OSAGO calculator

The cost of car insurance depends on many factors. The key criterion is the basic tariffs approved by the Central Bank. They have also been adjusted in 2019. Absolutely all insurance companies selling policies are required to apply them. But the plus is that there is also an additional correction factor, the boundaries of which are set in the form of a certain range. Thus, in 2019, insurers were given a unique opportunity to sell motor vehicle insurance in a 40% tariff corridor. Consequently, the price of a policy in different companies may vary significantly.

In addition to the tariff itself and the insurer’s pricing policy, the cost of compulsory motor liability insurance is influenced by the following factors:

• type of car, year of manufacture and engine power;
• number of entities admitted to management;
• bonus malus coefficient - its value depends on the subject’s driving history, the number of accidents, etc. The data is taken from SAR;
• duration of the policy;
• region of residence.

By selecting the specified parameters, you can instantly calculate the cost of insurance using the presented calculator. The system will take into account all the specified parameters and provide an estimated cost of the insurance payment. If the conditions are suitable, then you can immediately purchase compulsory motor insurance by going to the company’s website.