Motorcycle insurance OSAGO

OSAGO in 2019 for a motorcycle - where to insure and how much does it cost to insure a motorcycle under OSAGO?

Many drivers, standing in yet another traffic jam, dreamily think that it would be nice to buy themselves an “iron horse.” For those who are planning to buy a motorcycle, we will tell you whether it is necessary to take out an MTPL policy for a two-wheeled unit, how much it costs and where to buy it.

MTPL insurance for a motorcycle in 2019

First, you need to figure out whether you really need motorcycle insurance. According to Federal Law No. 40-FZ dated April 25, 2002, vehicle owners are required to insure their civil liability.

Owners of vehicles are obliged, under the conditions and in the manner established by this Federal Law and in accordance with it, to insure the risk of their civil liability, which may occur as a result of causing harm to the life, health or property of others when using vehicles.
(as amended by Federal Law No. 306-FZ of December 1, 2007) The obligation to insure civil liability applies to owners of all vehicles used on the territory of the Russian Federation, except for the cases provided for in paragraphs 3 and 4 of this article.

Part 1 of Article 4 of the Federal Law of April 25, 2002 No. 40 - Federal Law

Let's now move on to the traffic rules, where it will be said what a motorcycle is.

“Motorcycle” is a two-wheeled motor vehicle with or without a side trailer, the engine displacement of which (in the case of an internal combustion engine) exceeds 50 cc. cm or the maximum design speed (with any engine) exceeds 50 km/h. Motorcycles are considered tricycles, as well as quadricycles with a motorcycle seat or motorcycle-type handlebars, having an unloaded weight not exceeding 400 kg (550 kg for vehicles intended for the transport of goods), excluding the weight of batteries (in the case of electric vehicles), and the maximum effective engine power not exceeding 15 kW. (as amended by Decree of the Government of the Russian Federation dated October 24, 2014 N 1097)

Now it is clear that a motorcycle is a mechanical vehicle. Therefore, based on clause 2.1.1 of the traffic rules, there must be insurance.

Have with you and, at the request of police officers, hand over to them for verification: (as amended by Resolutions of the Government of the Russian Federation dated January 24, 2001 N 67, dated October 6, 2011 N 824)
- a driver’s license or temporary permit to drive a vehicle of the corresponding category or subcategory ;
(as amended by Resolutions of the Government of the Russian Federation dated March 28, 2012 N 254, dated October 24, 2014 N 1097) - registration documents for this vehicle (except for mopeds), and if there is a trailer - also for the trailer (except for trailers for mopeds);
(as amended by Decree of the Government of the Russian Federation dated March 22, 2014 N 221) - in established cases, permission to carry out activities for the transportation of passengers and luggage by passenger taxi, waybill, license card and documents for the transported cargo, and when transporting large, heavy and dangerous goods — documents provided for by the rules for the transportation of these goods;
(as amended by Resolutions of the Government of the Russian Federation dated January 24, 2001 N 67, dated June 28, 2002 N 472, dated March 28, 2012 N 254) - a document confirming the fact of disability, in the case of driving a vehicle on which the identification sign “Disabled” is installed ;
(paragraph introduced by Decree of the Government of the Russian Federation of January 21, 2016 N 23) - an insurance policy for compulsory civil liability insurance of the owner of a vehicle in cases where the obligation to insure his civil liability is established by federal law.
(paragraph introduced by Decree of the Government of the Russian Federation dated 05/07/2003 N 265) In cases directly provided for by the legislation of the Russian Federation, have and submit for verification to authorized officials of the Federal Service for Supervision of Transport a vehicle access card for international road transport, a waybill and documents for the transported cargo, special permits, in the presence of which, in accordance with the legislation on highways and on road activities, the movement of a heavy and (or) large-sized vehicle, a vehicle transporting dangerous goods, is allowed on highways, as well as providing a vehicle for weight and dimensional control.

But it is worth paying attention to the fact that not all insurance companies are ready to insure your two-wheeler due to the fact that the accident rate of this type of equipment is very high, and this in turn leads to high costs.

Also, there are companies where, in order to obtain insurance, it is necessary to comply with technical restrictions on the engine capacity or its price category.

If you have a motorcycle for traveling exclusively in the mountains, and you will not ride it on public roads, then you do not need to take out insurance. In addition, motorcycles are seasonal vehicles, so if you use them for 8-9 months a year, you can apply for compulsory motor vehicle liability insurance for this period.

Where to insure a motorcycle under OSAGO

We wrote above that not all insurance companies are ready to cover your motorcycle. Of course, you can purchase compulsory motor liability insurance with the help of insurance brokers, however, even here there may be some nuances:

There is a high probability that KBM will be considered only in the “A” category, and not as a general experience.

You may also be provided with an insurance service, but the insurance period will be for a certain number of months (3, 6, etc.), but not for a year.

Even if you apply for compulsory motor liability insurance electronically, you may not get the result you wanted.

Therefore, in order not to waste a lot of time searching for an insurance company that will issue you a motorcycle policy, I advise you to select a list of companies you like in advance, then call the office directly and find out if they insure motorcycles with the appropriate engine capacity for a period of one year. If the answer is yes, then you can safely go there.

How much does MTPL insurance cost for a motorcycle in 2019?

In 2015, OSAGO underwent numerous changes, which also led to a reduction in the cost of motorcycle insurance. The difference between motorcycle and car insurance is almost 2 times. This is due to the fact that often in case of an accident in a given pair, the motorist is to blame, and his damage is usually minor.

According to the Directive of the Bank of Russia dated December 4, 2018 N 5000-U “On the maximum amounts of basic rates of insurance tariffs (their minimum and maximum values ​​expressed in rubles), insurance tariff coefficients, requirements for the structure of insurance tariffs, as well as the procedure for their application by insurers when determining insurance premium under the contract of compulsory civil liability insurance of vehicle owners" insurance rates consist of base rates and coefficients. Insurance premiums under compulsory insurance contracts are calculated by insurers as the product of base rates and insurance tariff coefficients in accordance with the procedure for insurers to apply insurance tariffs for compulsory insurance when determining the insurance premium under a compulsory insurance contract.

Next, calculations are made by multiplying this price by various coefficients, which in turn also affect the price. After which a company representative will name the final cost of compulsory motor vehicle insurance for a motorcycle in 2019.

OSAGO for moped up to 50cc

As mentioned earlier, all drivers driving a mechanical vehicle are required to purchase insurance.

“Moped” is a two- or three-wheeled mechanical vehicle, the maximum design speed of which does not exceed 50 km/h, having an internal combustion engine with a displacement not exceeding 50 cubic meters. cm, or an electric motor with a rated maximum power in continuous load mode of more than 0.25 kW and less than 4 kW. Quadricycles with similar technical characteristics are considered equal to mopeds. (as amended by Resolutions of the Government of the Russian Federation dated March 22, 2014 N 221, dated October 24, 2014 N 1097)

As we see, a moped is such, therefore you must have compulsory motor insurance for your scooter.

These changes were introduced at the time when the corresponding category for this type of transport appeared.

Get qualified help right now! Preliminary consultation is free.

How to calculate MTPL insurance for a motorcycle and buy insurance online

The online MTPL insurance calculator for a motorcycle in 2019, which is located at the beginning of this page, will help you calculate the cost of insurance.

To find out the cost of insurance for the type of vehicle, select “Motorcycles” and click “Calculate OSAGO”.

Next, you need to enter information about the vehicle you want to insure, namely:

After selecting your region and city, you must indicate the number of drivers, as well as the age and experience of each of them, if you are insuring a vehicle for several people.

Next, you will be asked to calculate the discount for accident-free driving. If you do not want to enter your driver's license information now, you can continue by clicking on the "Later" button. In this case, the insurance amount will be indicated without taking into account the discount.

A window will open where you need to select the period for using the vehicle, as well as mark some other parameters. When finished, scroll down the page, enter your name and phone number and click on “Calculate”.

A table will open with insurance companies and the prices they offer for insurance, based on the data you provided. Here you can also familiarize yourself with the advantages and disadvantages of each company.

The table also shows insurance companies that offer online insurance. To buy an electronic MTPL insurance policy for a motorcycle online, select a company and click on “Apply online” in the price column. The official website of the insurer will open in a new window, where you can purchase an electronic policy.

If you need a compulsory motor insurance policy calculator for an ATV or snowmobile, then in the vehicle type select “Tractors and builds. technique". ATV insurers typically offer more expensive motorcycle insurance policies, which is not true since ATVs are self-propelled vehicles.

Apply for MTPL for Motorcycles

Electronic car insurance for motorcycles

A motorcycle is often the ultimate dream for many men. But at the same time, it is considered a source of increased risk on the road, since such vehicles often get into accidents. Motorcyclists are injured much more often than drivers. Every motorcycle owner must buy an MTPL policy.

How to get car insurance?

Insurers, as a rule, do not advertise insurance for a motorcycle, because its repair is not at all cheaper than the repair of a passenger car. In addition, motorcycles are a seasonal vehicle, the use of which is limited to the warm season.

Insurers do not want to suffer losses, so they do not particularly offer motorcyclists the opportunity to buy MTPL insurance for a motorcycle. But by law, companies must be impartial to any road users.

The procedure for obtaining such insurance is similar to a car policy. The owner will need to have the following documents with him: passport, driver's license indicating the category, vehicle registration certificate for the motorcycle, certificate of registration with the traffic police, diagnostic card.

Where can I buy motor third party liability insurance online?

Our portal does not differentiate between motorcyclists and car owners. We understand that a guarantee of financial security is required by every road user, without any exceptions. Our service does everything to protect motorcyclists and their property. This gives them confidence on the road.

With us you can easily buy an MTPL insurance policy online for a motorcycle quickly and without hassle. You can get insurance without leaving your home. To do this, you will need to submit a virtual application and pay the cost via a bank card. You can get this service during your lunch break or at home in front of your computer. Your application will be reviewed as soon as possible.

How much does a motorcycle policy cost?

The methodology for calculating the price and tariffs of MTPL are the same for each insurance company. But in the tariff schedule, motorcycles are placed in a special class. The cost of the certificate depends on its purpose - for example, use for personal needs or for participation in racing, as well as on the engine size (an increasing factor is established for a volume of 3 cubic meters or more).

Advantages of cooperation with our service

Many clients decide to buy MTPL motorcycle insurance again and recommend us to their friends. A motorcycle policy is an inexpensive purchase, so you shouldn’t refuse it. Obtaining electronic insurance from our service will remain available to anyone.

Our service offers to buy an MTPL insurance policy for a motorcycle under the most favorable conditions. We care about our clients, so we offer the most optimal terms of cooperation. We are ready to come to your aid if you have any difficulties with applying for compulsory motor liability insurance or simply have questions about insurance. Once you contact us, you will never go back to regular insurance.

OSAGO for a motorcycle. The only way to quickly get insurance

Living in big cities forces you to value your time and the possibility of mobility, and the number of motorcycles is increasing.

And with all this variety of motorcycles, sportbikes, scooters and respectable choppers, it is imperative to have an MTPL insurance policy for a motorcycle.

Since such vehicles are full road users and the law obliges them to have motorcycle insurance.

It is worth considering your own protection, in view of the practice when impatient motorcyclists maneuver at a traffic light between rows of cars or in a traffic jam, and there are often cases where they hit a car fender or mirror. Well, in the case when the driver of the car catches up, then the question is about the reliability of his policy.

A quick way to apply for compulsory motor vehicle liability insurance for a motorcycle. Insure while it works

Do you need motorcycle insurance?

And so the laws force the owners of any vehicle whose speed is 20 km per hour or more to have insurance. Therefore, to travel on this type of transport, it is necessary to have an MTPL insurance policy for a motorcycle .

The insurance obligation is necessary for the safety of the driver's auto liability. In other words, if the motorcyclist is at fault for the accident, then compensation occurs under the driver’s policy. But payments under the policy do not go towards restoring the vehicle, but towards compensation for damage to the party that suffered.

And accepting the fact that a motorbike is a vehicle that has more risk when driving it. The presence of compulsory motor insurance on a motorcycle protects against issues related to the financial issues of its owner.

How much does motorcycle insurance cost in 2019?

Compared to previous years, MTPL insurance for a motorcycle has become significantly more expensive. There is no doubt that motorcycle insurance will be almost 2 times cheaper when compared with cars. If only because a motorbike usually does not cause serious damage to a car. In cases of collisions between a car and a scooter, the damage to the car is not very expensive. Plus, statistics show that car drivers are more often to blame for accidents.

Since April 2015, changes in legislation have reduced the lower value of the insurance corridor for motor vehicles by 40%.

The coefficients for compulsory motor vehicle liability insurance for a motorcycle fluctuate depending on the region, but still the price of insurance for a motorcycle has decreased. There are regions where the coefficient has dropped to 41%.

Due to traffic density, the likelihood of getting into an accident in the Moscow region and in Moscow itself is much greater compared to Kaliningrad or Kursk. Therefore, when calculating insurance, you need to take into account this regional component.

The basic MTPL rate for a motorcycle for the current year is a maximum of 1,579 rubles. and minimum 867 rub.

This is the price range of the tariff in the price list for MTPL motorcycle insurance in cities such as St. Petersburg (St. Petersburg), Moscow, Rostov, Kazan and other Russian regions. From this it turns out that the final price of a motor vehicle license for owners of motorized vehicles is calculated and depends on the base tariff.

And each insurer determines the basic tariff itself, guided by the boundaries of the accepted price range. Next, the selected tariff is multiplied by other common coefficients. Such as engine cubic capacity, driving experience, age, and, of course, the value of the coefficient, depending on the region.

What exactly affects the price of civil liability insurance?

• If the driver's experience is less than two years, an increasing factor is added.
• And if the motorcycle driver is under 22 years old, a citizen will cost more.
• When a motorbike takes part in competitions, the policy also costs more, due to the increased risks for it.
• If the engine capacity is more than 300 cc, a multiplying factor is also provided
• If the customer has an insurance history with the insurance company, this has a beneficial effect on the cost of motorcycle insurance.
• The history of insurance claims matters. The more there are, the more the cost of motor vehicle insurance will be.

There are also reduction factors used when calculating the cost by the insurance company. Its value is influenced by accident-free driving, client insurance history, as well as a clean payment history.

With today's capabilities, almost every insurance company has an online calculator. Thus, it is very convenient and quick to find out, at least approximately, how much OSAGO for a motorcycle will cost.

Insurers are also interested in the number of people who are allowed to drive motorized vehicles, the period of use of the vehicle, and again the number of insured events.

Where and how to apply for compulsory motor liability insurance?

To obtain insurance, it is more practical to contact a stationary office. You should have documents for the vehicle, a driver’s license for category “A” with you. And also a technical inspection for the motorcycle or a diagnostic card, according to which the passage of the technical inspection is confirmed.

A faster way is to insure your motorcycle online. Now it is no longer necessary to send electronic copies of documents and an application. The electronic MTPL policy will be sent to you by email after payment.

Of course, buying a policy online is not so easy; there are also companies that are reluctant to issue MTPL insurance for a motorcycle online, or do not do this at all. Since this type of vehicle has increased insurance risks.

In addition, there are other differences between the conditions for obtaining such a service from one insurer or another. Others do this based on technical restrictions on engine size, price parameters or production time.

Some insure newly purchased, new bikes. And few people want to take out a vehicle that is more than 10 years old, and if so, then the cost of purchasing insurance increases accordingly.

The question of where to insure a motorcycle under OSAGO online is difficult to answer with certainty. In Moscow, St. Petersburg, Krasnodar, judging by the reviews, Ingosstrakh works well. Checkout page -> https://ingos.ru/eosago. In the regions, you'll be lucky for now.

Exceptions to the rules

There are exceptions to the mandatory purchase of such a policy. If your steel horse doesn’t go further than the river in the summer, and you don’t ride it further than country roads, then no one cares about the lack of insurance. Since compulsory motor liability insurance regulates relations between road users.

Or it is possible to take out a policy for a season if, say, you travel only 6 months a year.

Most likely, no insurer will offer voluntary motor third party liability insurance or DOSAGO for motor vehicles.

Most insurance companies, along with civil liability insurance, offer life insurance for the driver of a motor vehicle.

In general, the citizen for motorcycles is practically the same as for cars. But there are also distinctive conditions, exclusively for bikes and scooters.

OSAGO for a motorcycle - how to calculate the cost and issue a policy online

When deciding to purchase a motorcycle, a future biker is often faced with the question of the need to obtain compulsory motor insurance to drive such a vehicle. Let's look into it based on the current legislation of Russia. We will also consider the problems associated with the purchase of MTPL for a motorcycle, and possible ways to solve them.

Is it necessary to apply for compulsory motor vehicle liability insurance for a motorcycle?

To answer the question of whether it is necessary to insure motorcycle equipment, you should refer to the current legislation of the Russian Federation.

First of all, it is worth studying No. 40-FZ dated April 25, 2002. According to the designated regulatory act, every citizen who drives a vehicle approved for participation in road traffic and capable of reaching a speed of over 20 km/h is required to insure his liability to other drivers.

Based on clause 1.2 of the Traffic Regulations, motorcycles with an engine capacity exceeding 50 cm3 are recognized as vehicles. This also includes tricycles and ATVs that have steering and a seat, the design of which is no different from what we see in the case of a motorcycle.

The traffic rules (clause 2.1.1) indicate that each driver of a vehicle, when stopped by a traffic police inspector, must present him with the following set of documents:

vehicle registration certificate;

valid MTPL insurance.

Cost of MTPL for a motorcycle

The cost of insurance for a motorcycle is calculated using the same parameters as in the case of a policy for a car. But MTPL for motorcycles is several times cheaper than for a car. When calculating the cost, the base tariff is used (in 2019 it is 1,579 rubles), which is multiplied by coefficients.

To quickly find out how much motorcycle insurance will cost, we recommend using our OSAGO calculator. To make the calculation you will need to provide the following information:

policy period;

age and length of service of the driver;

restrictions on the number of persons allowed to manage;

region of residence of the motorcycle owner.

After entering the requested data, the system will automatically calculate the exact cost of compulsory motor liability insurance with the specified parameters. The report will show the price of a motorcycle policy in all companies present in the designated region.

How to insure a motorcycle

There are two ways to get insurance:

buy compulsory motor liability insurance at the insurer's office;

insure your motorcycle online.

Purchasing from an insurance company

It’s easy to make compulsory motor vehicle insurance at the insurance company office; the procedure is no different from car insurance. It consists of several stages:

collection and transfer of the necessary package of documents to the insurance agent;

drawing up and signing an agreement;

receiving the policy in hand.

To conclude a contract, you will need to submit the following documents to the insurer:

passport and driver's license of the policyholder;

PTS and STS for the vehicle;

If a limited number of people are allowed to drive a motorcycle, each person will need to present a driver's license. When concluding an agreement without such a “framework”, only the owner’s license of the vehicle is sufficient.

Purchasing compulsory motor liability insurance on the insurance company’s website

The most convenient way to insure motor third party liability is to purchase e-OSAGO. This option allows you to save time and avoid imposing additional (often unnecessary) services.

To buy insurance online, you need to register on the website of the selected company. After this, you will need to fill out an application form and attach scans of the necessary documents to it.

After sending the required data, the system will check the relevance of the information provided and calculate insurance for the motorcycle. Next, you will need to pay for compulsory motor insurance in a convenient way (bank card, electronic money). After the transfer is received into the insurer's account, a letter with the policy will be sent to the client by email. To present it to the traffic police officers, it is enough to print it on a household printer.

It is not necessary to certify the electronic compulsory motor insurance policy for a motorcycle at the insurer's office.

After receiving the policy, liability is insured. If an accident occurs due to the fault of a motorcyclist, he can count on compensation for losses to the injured party from the company’s funds.

If the insurance company refuses to issue MTPL

Despite the simplicity of the motorcycle insurance procedure, companies often refuse to issue a policy. The reason is frequent accidents involving bikers and the reluctance of insurance companies to incur losses due to such clients.

However, a negative response from a company is in most cases illegal. No. 40-FZ provides an exhaustive list of reasons for refusal of insurance. These include only two:

provision of an incomplete set of documents;

indication of obviously false information.

Due to the fact that insurers cannot legally refuse to issue MTPL for a motorcycle, they often resort to tricks. For example, some companies set strict restrictions on the size of engines and the cost of vehicles or use their right to study documents for a long time and make a decision. As a result of such manipulations, drivers are forced to contact other offices.

Due to the fact that companies do not tolerate motivated refusals in writing, drivers rarely complain about this behavior of insurers. However, the motorcyclist has the opportunity to record the response on video or audio equipment. If there is such evidence, he can file a complaint against the illegal actions of insurers with the RSA or the court.

Let's sum it up

Every motorcycle driver must have liability insurance for other road users. Purchasing compulsory motor liability insurance for such vehicles is not fraught with difficulties and is no different from issuing insurance policies for cars. Most motorcyclists are faced with unfounded refusals by insurers to issue a document. In this case, armed with evidence of the illegal actions of the insurance company, drivers can defend their case in court or the RSA.

Registration of an MTPL policy for a motorcycle in 2019

Like other vehicles, a motorcycle takes full part in road traffic. Therefore, similar rules apply to it as to cars. According to statistics, motorcyclists get into accidents more often, so in 2019 the issue of obtaining MTPL insurance for a motorcycle is urgent.

Is compulsory motor insurance required for a motorcycle in 2019?

The answer to the question of whether it is necessary to issue compulsory motor vehicle liability insurance for a motorcycle in 2019 should be sought in the legislation of the Russian Federation. There are three points from which the need to purchase a motorcycle insurance policy emerges:

1. General Federal Law 40-FZ (1 part, 4 art.) states that the owner of any road transport is obliged to insure himself under compulsory motor liability insurance against risks that may result in harm to the health or vehicle of others if an accident occurs.
2. SDA 1.2 classifies as vehicles all motorcycles with an engine capacity of more than 50 cm 3 (both without a trailer and with it). The same category includes ATVs and tricycles equipped with steering and having a seat of the same design as a motorcycle. In this case, the weight of the loaded vehicle should not exceed 40 kg. , and the engine power does not exceed 15 kW.
3. Traffic Regulations 2.1.1 requires owners of motorcycles to show the following documents when stopped by traffic police representatives: their driver’s license, a valid registration certificate for both the motorcycle itself and the trailer (if any), and an MTPL insurance policy. In some cases, also certificates of disability and permission to transport cargo.

By building a logical chain, it becomes clear that you need to buy MTPL for a motorcycle in 2019.

Where to buy MTPL for a motorcycle?

Theoretically, an MTPL insurance policy for motorcycles in 2019 can be purchased from any insurance company, but in practice, some organizations refuse this type of insurance - motorcycles get into accidents too often, and they have to pay significant sums as compensation.

According to the law protecting consumer rights N 2300-1, the insurance company does not have the right to refuse a motorcyclist a service. Therefore, organizations resort to tricks - creating the least favorable conditions for motorcycle owners. This may be a limitation on the age of the vehicle or an excessively long policy period. This puts motorcyclists in a difficult position - after all, they cannot travel without insurance either.

Additional services are often offered, for example, driver life insurance. Despite the fact that the measure is generally reasonable, no one has the right to impose it in accordance with the same consumer rights law.

Since a motorcycle is a seasonal type of transport, you can benefit from this - take out MTPL insurance not for a year, but specifically for a season; Almost all insurance companies offer this service.

Necessary documents for registration

To apply for compulsory motor liability insurance for a motorcycle in 2019, the same papers are required as for a car:

Finally, you need to write a statement notifying the driver’s desire to insure his motorcycle under MTPL. The insurance company cannot ask for any other documents in 2019.

Step-by-step instructions for purchasing MTPL for a motorcycle

To purchase a motorcycle insurance policy in person, you need to come to the office of the selected company. Employees will study the documents provided and, if everything is in order, calculate the cost of compulsory motor liability insurance.

Motorcycle insurance services are provided by almost all major companies:

The office of at least 2-3 of the listed organizations can be found even in a small town.

Step-by-step instructions for applying for electronic compulsory motor vehicle liability insurance online

If you don’t want to go to the office, or the options available in the city do not satisfy the conditions, there is an option to get an electronic policy. From a legal point of view, it has full force, just like one purchased during an in-person visit . But outwardly it will look like an ordinary sheet of paper printed using a printer. You can always contact the office of the selected company to receive a physical copy of the document.

The registration procedure takes about 30 minutes:

1. Go to the website of the selected organization, create an account and log in.
2. Select from the list of MTPL services.
3. Fill out the application electronically.
4. Make payment for the specified amount.
5. Receive the policy in digital form by e-mail and print it out.

Each website that provides the service of obtaining such electronic insurance has calculators for preliminary calculations. The amounts will actually not differ, since they are calculated based on a formula common to all.

How much does MTPL cost for a motorcycle?

In 2019, significant adjustments were made to the procedure for calculating the cost of compulsory motor insurance, which ultimately significantly reduced the price of an insurance policy for motor vehicles. Now insuring a motorcycle is almost half the price of a car. There's a reason for this: motorists are more likely to be found at fault in motorcyclist accidents, and their injuries are less severe.

Calculation of the cost of compulsory motor insurance for a motorcycle in 2019 is made by multiplying the cost by the agreed coefficients. Based on the results of the calculations, a representative of the insurers names the final price for the client.

Is compulsory motor insurance required for a moped up to 50cc?

This section will talk about M-category vehicles - mopeds whose engine capacity does not exceed 50 cubic centimeters and whose maximum speed is up to 50 km/h.

You should start by studying the federal law affecting the issues of compulsory vehicle insurance. The third paragraph of Article 4 of the Federal Law 40 states that compulsory insurance does not apply to vehicles with certain technical characteristics that are not subject to the laws on admission to road traffic.

In other words, compulsory motor liability insurance is not necessary for those vehicles that do not fall under this legislation. The next step is to find out if mopeds fall into this category. Article 15 of the federal law on safe driving on the road will help with this. It states that admission to traffic is carried out by registering the vehicle and obtaining the appropriate documents.

That is, if in 2019 a vehicle does not need to be registered, receive license plates and a certificate, then it does not participate in the procedure for permitting traffic on the road. Now you should logically combine the first and second points. It turns out that MTPL is not required for those vehicles that do not require registration.

What is the situation with scooters up to 50 cc? According to the rules on state registration of motor vehicles and trailers for them, vehicles that meet three parameters are required to be registered: speed above 50 km/h, engine power above 4 kW, engine volume above 50 cm 3. In 2019, mopeds do not fall under this description - they do not require registration, and, therefore, compulsory motor liability insurance.

Fine for lack of compulsory motor insurance on a motorcycle

If a driver purchased an MTPL policy but forgot it at home, he should honestly tell the traffic police inspector about this. According to the second part of the Administrative Code 12.3, in this case, at the discretion of the inspector, either a fine in the amount of 500 rubles or a warning will be issued. If, in addition to the insurance policy, the motorcycle driver does not have other documents with him certifying the right to own and operate the motorcycle, then the employee has the right to suspend him from driving the vehicle and ship the equipment to the impound lot. In this case, a fine is also issued.

If the MTPL insurance policy for a motorcycle in 2019 is not just forgotten at home, but it is obviously not there, the fine is 800 rubles.

If the person driving the motorcycle at the time of inspection is not the owner and is not included in the insurance policy, this is also fraught with a fine of 500 rubles. This is stated in the first paragraph of Article 12.37 of the Code of Administrative Offenses of the Russian Federation.

Is it possible to register a motorcycle without compulsory motor liability insurance?

It is impossible to register a motorcycle without an MTPL insurance policy in 2019. The process is regulated by a decree of the Russian Federation affecting the introduction of passports for vehicles. To register a motorcycle, you will need the following package of documents:

• statement;
• passport as an identification document of the applicant;
• document certifying legal ownership;
• PTS (motorcycle passport);
• paid receipts of state duties (for license plates and registration certificates);
• OSAGO insurance policy.

Additionally, you must present the motorcycle itself for inspection.

How to calculate the price of MTPL insurance for a motorcycle and buy online in 2018?

The calculation is easy to do using the OSAGO online calculator.

Here is an example of calculating the cost of a policy using the OSAGO online calculator.
Fill in the information fields:

• Who is the owner of the vehicle - an individual or a legal entity.
• The mode of transport is the very first option on the list, a motorcycle.
• Is there a trailer or not?
• In what region is the vehicle registered?
• How long has the motorcycle been in use?
• The desired type of insurance is limited or unlimited number of persons admitted.
• KBM is a coefficient that affects the price up or down. Set based on the number of accidents during use of the motorcycle.

After clicking the “Calculate” button, the approximate range of the cost of compulsory motor liability insurance and the recommended insurance company will be displayed.

Since the beginning of spring 2018, more and more reports have begun to appear that insurance companies are refusing insurance to motorcyclists, although by law they cannot do this. The problem is especially acute in so-called “toxic” communities and areas – where fraud and non-compliance with laws are widespread. People are faced with the fact that companies are trying by all means to reduce the issuance of MTPL insurance policies to motorcyclists.

The problem applies to any “unprofitable categories,” which also includes bus owners or taxi drivers.

Moreover, the situation is already going beyond the “toxic” regions; This is increasingly being encountered in Moscow and St. Petersburg, and insurance refusals are coming even from well-known and large companies. Those who insure motorcycles without problems can be counted on one hand.

By such actions, insurers harm not only motor vehicle owners, but also other road users. The motorcyclist himself can receive a maximum fine of 800 rubles for not having a compulsory motor liability insurance policy. But if there is an accident involving an uninsured motorcycle, the second person injured in the accident will be in a more unpleasant situation. He will give his own money for treatment or repair of the vehicle, and only in court will it be possible to recover it from the motorcycle driver.

According to the Russian Union of Auto Insurers, the MTPL motorcycle insurance contract is classified as public, and the insurance company has no right to refuse it; this is provided for by the legislation of the Russian Federation. If company employees violate this rule, then in 2019 the policyholder can record the process on video or audio, then provide these materials to the RSA.

To summarize: in case of problems, you should start doing the registration a month before the start of the motorcycle season. If you don’t have time to wait, you can agree to additional services and then refuse them within 10 days. In this situation, the motorcycle owner will still have the policy in hand, and the rest of the money spent will be returned.