However, it should be remembered that the right to compensation can arise only if the obligations of the parties at the time of the insured event were valid and the car was used at the time specified in the contract. Today you will understand how to control these parameters, what is the responsibility for their violation and how to calculate the amount of payments.

What does the period of use of the vehicle in OSAGO mean?

The legal basis for OSAGO is defined in the Federal Law “On Compulsory Insurance of Civil Liability of Vehicle Owners” (hereinafter referred to as the TS) dated April 25, 2002 No. 40-FZ. It says that to use transport means to operate it in the process of movement in all types of territories. That is, the time when the car is used for movement will be the period of its use. The period of use is necessarily prescribed in the insurance policy and may be less than the validity period of the agreement.

If equipment is installed and used in transport, for the operation of which it is not necessary to be a road user, then such a situation is not included in the concept of use.

There is also the concept of limited use of a car - when car owners indicate in the policy the specific drivers who will drive it, or specify during what period of the year the car will be in use.

This term means that some owners:

  • may be absent from the country for a long time;
  • decided to sell vehicles in the near future;
  • put the car in the garage for the winter.


Please note that the period may not consist of several months in a row, but this must be written in the contract. It should be understood that the limitation of the period of use allows you to apply reducing coefficients when determining insurance premiums. The minimum period, which makes it possible to save on insurance payments, is 3 months - with such a period of use, the insurance payment is reduced by half. It makes sense to limit the time of using the vehicle to 10 months, since starting from this moment the reduction factor is not applied.

Important! Z The legislation does not provide for the possibility of paying insurance premiums in installments, but the owner of the vehicle can take advantage of this nuance: during negotiations with the insurance company, indicate that the policy will be issued for a year, the period of its use is less than a year, and after the expiration of this period, extend it. You can extend the period of use several times within the total validity period.

However, the period of use cannot be limited in the policy, when in reality the vehicle moves indefinitely. This will lead to the following consequences:

  • payment of penalties;
  • in the event of an accident, the insurance organization does not compensate for losses and you will have to do this at your own expense.

Policy duration

The insurance policy is issued for the period:

  1. For those vehicles that are temporarily used within the Russian Federation and registered in other states - for the time the car will move through the territory of Russia (at least 5 days).
  2. If transport is transported by intermediaries to the place where it will be registered for the purpose of further sale, inheritance, donation - for a period of up to 20 days.
  3. When the car should be inspected or re-inspected - up to 20 days.
  4. In the remaining cases - up to 12 months.
This time must be specified in the contract, it affects the amount of insurance payments.

Video: The validity period of the OSAGO policy

Insurance calculation method

Insurance payments do not depend on the amount of payments and are calculated as follows:

SP \u003d TB * KT * KBM * KO * KVS * KM * KPR * KS * KP * KN , Where:

  • joint venture- insurance payment;
  • TB- the base rate of the insurance tariff;
  • CT- coefficient of the insurance rate for the region in which the vehicle is mainly used;
  • KBM- the bonus-malus coefficient, which is assigned according to whether or not there was a payment under OSAGO for the previous period;
  • KO- multiplier by the number of drivers;
  • FAC- coefficient that corrects the payment for different driving experience and the number of full years of the driver;
  • KM- coefficient, which is set for passenger vehicles and is determined by engine power;
  • KPR- multiplier for vehicles that can drive with a trailer;
  • KS- a multiplier for those who do not expect to drive a car during the entire period for which the policy is issued;
  • KP- coefficient, which is determined by the duration of the policy;
  • KN- an indicator that depends on how honestly the driver behaved towards the insurers in the past.


The base rates and ratios are approved by the Bank of Russia in Instructions No. 5000-U dated December 4, 2018. Base rates differ by types, categories of cars and their functions, since it depends on what damage will be as a result of an accident. In Directions, the boundaries of their smallest and largest possible values ​​are drawn.

The Instructions describe the rates of coefficients for various territories, cities and settlements separately for tractors, self-propelled road-building and other machines, as well as other cars. It is believed that the zone where the vehicle is mainly used is the area of ​​registration of its owner - an individual or legal entity.

The bonus-malus coefficient is differentiated by the number of payouts: 1, 2, 3 or more, with their growth the value of the multiplier increases. If after a long period of time there were no payments, a lower rate is provided. If a limited number of people can drive a car, this does not affect the amount of the insurance premium. Otherwise, it increases by 1.87 or 1.8 times.


The younger the driver and his driver's license, the greater the amount of the insurance payment.

Reduced rates are provided for the most experienced persons. The car's passport, certificate of technical registration or other official data contains information about how much horsepower is used to make it move. The more of them, the higher the multiplier.

The shorter the period of use indicated in the OSAGO policy, the smaller the amount of deductions for insurance due to the reducing coefficient. That is, if it is written that the car will be used 9 months a year, the amount payable will not be 100%, but 95% (reducing coefficient for 9 months of use, according to the Instructions of the Bank of the Russian Federation = 0.95). In the case of using the vehicle for only 5 months (reducing factor = 0.65) - 65% of the cost of the annual policy will be charged for payment.


If the vehicle is planned to be used with a trailer, the insurance premium will be increased taking into account its type and category of car. In the case of seasonal use of the Vehicle, a decreasing multiplier is applied to determine the insurance payment.

If the insurance company has discovered facts indicating that in the past you have provided them with false information about the circumstances of the accident, about indicators that increase the amount of the insurance payment, overestimate the amount of damage caused, organize an accident to receive insurance compensation, then, for the next time period after this, the payment for insurance will be increased by 1.5 times.

Important! The amount of insurance payment under the OSAGO agreement should not exceed 3 base rates, taking into account the coefficient of preferential use of the vehicle, or 5 base rates, if the fact of deception of the insurance company is recorded.

For example: to determine the insurance premium for an individual - the owner of a BMW X5 (TB: 2,746–4,942 rubles), registered in Ufa (CT = 1.8), under whose insurance policy for the previous time period four times (KBM = 2 ,45) payments were made. The owner was 31 years old at the time of signing the contract, the driver's license was obtained 5 years ago (FAC = 1.04), he plans to drive the car independently (KO = 1). The power of this modification of the vehicle is 400 horsepower (KM = 1.6). The car will be used 5 months a year (RC = 0.65), without a trailer (RC = 1). The owner wants to draw up a contract for 9 months (KP = 0.95), no facts about the provision of false information were found (KN = 1).

The payment amount will be within the following limits:

  • minimum: 2,746 * 1.8 * 2.45 * 1.04 * 1 * 1.6 * 0.65 * 1 * 0.95 * 1 = 12,443.13 rubles;
  • maximum: 4,942 * 1.8 * 2.45 * 1.04 * 1 * 1.6 * 0.65 * 1 * 0.95 * 1 = 22,394 rubles.

Video: OSAGO calculation in 2019

Penalties

The Code of Administrative Offenses defines the following types of administrative fines in the field of non-compliance with OSAGO requirements:

  • If the operation of the car occurs at a time that is not prescribed by the insurance policy, or the car was driven by drivers not agreed in this document, a sanction is assigned in the amount of 500 rubles.
  • If the owner of the car did not draw up an insurance contract, but used the car, the consequence will be a sanction in the amount of 800 rubles.


The owner of the vehicle is obliged to issue an OSAGO policy before registering it, but before 10 days have elapsed from the date of registration of ownership.

So, an OSAGO insurance policy can be issued for a period of less than a year, the same approach can be applied when determining the period of use of the vehicle. However, do not forget about the administrative responsibility that arises if these deadlines are violated.

The OSAGO insurance policy is a mandatory document for the operation of the vehicle. You can get insurance at any branch of the insurance company operating in the region.

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When calculating the cost of the policy, a large number of both increasing and decreasing coefficients are taken into account. Read more about costing options below.

Which are used in the calculation and their decoding

The cost of OSAGO insurance is determined based on the following formula:

S=T* CT * KBM * FAC * KO * KM * KS * KN * KP,

T base rate set by the government
CT coefficient depending on the region of vehicle registration
KBM bonus-malus coefficient, which is determined for each driver individually
FAC coefficient regulating the ratio of age and driving experience of a person admitted to driving vehicles
KO coefficient, the value of which depends on the number of drivers indicated in the insurance policy
KM coefficient depending on the power of the insured vehicle
KS parameter that determines the seasonality of car use
KN a coefficient that is applied exclusively to drivers with gross violations of traffic rules
KP coefficient depending on the term for which the insurance policy is issued

The value of the base rate is determined by the maximum and minimum cost. A specific indicator is set by each region individually, but within the provided corridor.

KBM

The bonus-malus coefficient (or KBM for short) is a parameter that is determined individually for each driver and reflects the safety of the ride.

Depending on the number of accidents, the value of the coefficient may lead to a discount on insurance or an increase in the cost.

When issuing an insurance policy, an employee of the insurance company is obliged to clarify the value of the KBM of the driver and all persons admitted to management on the basis of the PCA (Russian Union of Motor Insurers). It is in this database that information about drivers is stored.

The value of KBM is 1 if:

  • a person who has just received the rights for the first time fits into the insurance policy;
  • insurance is issued for the period of the vehicle to the place of registration;
  • motor vehicles registered in the territory of another state are insured.

In other cases, the value of the OSAGO bonus-malus coefficient is determined according to the table:

For example, a driver of the third class (CBM=1) has never become the culprit of an accident during the year of using vehicles. The next year, a person will be assigned class 4 and given a discount of 5% (MBM = 0.95).

If a driver with a single coefficient once became the culprit of an accident, then the next year he will be assigned class 1 with a KBM value of 1.55.

In case of two or more accidents, the driver is assigned the smallest class (M) and the coefficient value increases to 2.45.

When determining the value of the OSAGO break-even ratio, the following rules are used:

  • if an insurance policy is issued and a certain number of allowed drivers, then the highest value of the coefficient is used for the calculation;
  • if insurance is issued without limiting the number of drivers, then the class and value of the coefficient are determined by the owner of the vehicle.

Territories

The territory coefficient is determined depending on:

  • from the region of residence of the owner of the vehicle, if the car is registered to an individual;
  • from the region of registration of a legal entity, if the owner of the vehicle is an organization.

The value of the territory coefficient is fixed at the legislative level. The highest value is in cities - metropolitan areas, and the lowest - in cities with a small population.

This parameter determines the general emergency situation in a particular region (region, city). For example, in Moscow, Perm, Tyumen the value of the coefficient is maximum and is - 2. In the Chukotka Autonomous Okrug, Magadan and Kurgan regions, the territory coefficient is 0.6.

A complete list of all coefficient values ​​can be found in.

By vehicle power

The cost of OSAGO is also determined by a coefficient depending on the capacity of the insured vehicle. You can find out the power of your car from the vehicle passport.

If the power is in kW, then the following formula is used to convert to horsepower:

1kW=1.35962hp

The values ​​of the coefficient for horsepower for OSAGO are presented in the table:

Thus, the smallest coefficient parameter is provided for low-power vehicles, and the largest for vehicles with a power of more than 150 hp.

This parameter also determines the possibility of traffic accidents.

Age and experience of the driver

When calculating the cost of an auto citizen, such parameters as the age of the driver and driving experience are important. It is believed that the younger and more inexperienced the driver, the greater the chance of getting into an emergency on the road.

In order to minimize the risks of an insurance company when a young inexperienced person is admitted to management, an age-experience coefficient has been introduced.

The maximum value of the coefficient (3) is achieved if the age is up to 22 years and the length of service is less than 3 years. The minimum value of the coefficient is 1 (for persons over 22 years old and having a driver's herd for more than 3 years).

Increasing and lowering after an accident

The role of the increasing (reducing) coefficient assigned to the driver after traffic accidents is the bonus-malus coefficient, discussed in detail earlier.

wear parts

The coefficient of wear of parts is taken into account by insurers not when calculating the cost of an auto insurance policy, but when determining the amount of damage received after a traffic accident.

Under existing legislation, the amount of insurance payment is determined taking into account the natural wear and tear of the main components of the vehicle.

It should be noted that this rule applies only to those parts that, in the opinion of experts, are subject to replacement and cannot be repaired.

Currently, the maximum wear is 50%. It is believed that every year the car wears out by 8% - 15%, depending on engine power and mileage.

For example:

  • when calculating the damage, it was found that the car was worn out by 35%;
  • the bumper was damaged as a result of a road accident;
  • the cost of a new bumper is 8,000 rubles.

The amount of compensation for the bumper, taking into account wear and tear, will be 8000 - 8000/100 * 35 = 5,200 rubles.

To determine the amount of damage, a single methodology has been developed, which all insurance and expert companies are required to use.

You can make the calculation yourself online on the RSA website. This will require the following data:

  • date of the accident (it is on this date that the calculation should be made);
  • region of residence;
  • car brand;
  • part number to be replaced.

  • the cost of work required to fully restore the car after an accident;

  • the cost of additional materials.

Violations

For gross violations of insurance rules and traffic rules, a new OSAGO coefficient for traffic violations, the amount of which is 1.5, can also be applied to the driver.

The following are considered gross:

  • providing the insurance company with deliberately false information regarding the owner (driver) of the motor vehicle or the circumstances that led to the road accident;
  • deliberate assistance of the driver in the occurrence of the accident;
  • deliberate overestimation of damages that increase the amount of insurance payment;
  • alcoholic or narcotic state of the driver at the time of the accident;
  • the absence of a driver's license from the driver who became the culprit of the road accident;
  • intentionally leaving the scene of an accident;
  • driving a car by a person not included in the insurance policy;
  • driving a motor vehicle during a period not provided for by a motor citizen.

In all other situations, the value of the coefficient is 1.
Each driver has a separate insurance history. The history reset period is 1 year.

That is, if the driver has the violations indicated above, then in order for the multiplying coefficient not to be applied, the person must not be indicated in any insurance policy within 1 year.

The way out can be the registration of an autocitizen with an unlimited number of drivers.

Scope of transport

The cost of an auto citizen is also affected by such a parameter as the possibility of using a car with a trailer. The multiplying factor is determined on the basis of the type of vehicle and category of owner.

For cars used as taxis, the calculation of the cost of autocitizen is made according to individual rules.

At the same time, a multiplying factor is applied, which increases the cost of an auto citizen by about 1.5 - 2 times.

seasonality

The existing legislation allows you to issue a motor vehicle citizen for a period of 3 months to 1 year.

You can apply the seasonality factor if:

  • the car is used exclusively at certain times of the year (for example, to drive to the country);
  • a long business trip is planned for the next year;
  • long-term treatment and rehabilitation are planned, and so on.

The values ​​of the coefficient depending on the time of use of vehicles are presented in the table:

That is, if a personal vehicle is supposed to be used within 3 summer months, then ceteris paribus, you will need to pay 50% less for an auto-citizenship, and so on.

OSAGO coefficient table

In addition to the considered coefficients, when calculating the cost of an auto citizen, the following are used:

  • coefficient of the insurance period;
  • coefficient based on the number of persons allowed by the owner of the car to drive the vehicle.

A coefficient depending on the insurance period can be used if the term of the insurance policy is not limited to a year (standard term). And a different time period.

The limited period of insurance takes place if:

  • the car was purchased in one region, and it must be registered in another region. Since it is forbidden to use vehicles without a motor vehicle citizen, it is possible to issue a policy with a limited period of validity;
  • the car is registered in the territory of another state, but is used to move around the territory of the Russian Federation.

The values ​​of the coefficient depending on the term of the policy are presented in the table:

An autocitizen can be issued on the condition that:

  • a limited circle of drivers allowed to drive;
  • unlimited circle.

If the circle of drivers is limited and the data of all drivers is known, then the coefficient is equal to 1, since in this situation the bonus-malus parameter is applied.

If insurance is issued with an unlimited list of persons allowed to manage, then the coefficient parameter increases to 1.8.

In this way, insurance companies minimize the risks associated with the inexperience of drivers, the presence of gross violations of the law by some people, and so on.

Rules for the application and validity of boost values

How long does the OSAGO increase factor last after an accident? The standard policy period is 1 year, and the year does not start on January 1st and end on December 31st.

The validity period of the autocitizen starts immediately on the day of purchase of the policy and ends 1 day earlier, but after 1 year. Therefore, the value of increasing or decreasing coefficients is also valid for 1 year.

The values ​​of all coefficients used in calculating the cost of a motor vehicle citizen, including basic rates, are regulated at the level of legislation and cannot be changed by insurers on their own.

The use of all considered coefficients is mandatory. Otherwise, penalties may be imposed on the insurance company.

What determines the coefficient of territory

The OSAGO Law determines that when determining the coefficient of the territory, the following is taken into account:

  • place of registration of the owner of the vehicle (for individuals);
  • place of registration of a legal entity or its branch.

All values ​​of the coefficient, depending on the territory of registration of the owner, are determined by law and cannot be changed under any circumstances.

The values ​​of the territorial coefficient are determined based on the following parameters:

  • the number of vehicles registered in the locality. The more cars in the region, the higher the traffic congestion and the higher the coefficient parameter;
  • accidents in the region. For example, severe weather conditions in the north lead to more accidents than in the south of the country.

How to find out

Knowing the formula for calculating the cost of OSAGO and all the required coefficients, you can make the calculation yourself. The only problem arises with the definition of the bonus-malus coefficient.

If the driver has a long experience, then it is quite difficult to use the table above, since not everyone knows in what particular period of time the insured events occurred.

It is possible to determine or check the coefficient of accident-free OSAGO on the basis of the PCA.

To do this, on the organization's website, you need to fill out a simple form in which you indicate:

  • what category does the owner of the car belong to (legal or natural person);
  • what kind of insurance policy is concluded (with a limited or unlimited list of drivers allowed to drive vehicles);
  • Full name of the driver for whom it is required to determine the KBM;
  • date of birth of the driver;
  • the number of the driver's license, which is mandatory indicated in the autocitizen;
  • the start date of the policy.

As a result of the check, one of the following messages may be received:

  • the value of the coefficient for the specified driver is so-and-so. This means that information about the driver is in the base of the union of motor insurers;

Additionally, information will be given on the details, the expiration date of the current insurance policy, as well as the insurance company in which the autocitizen is issued.

  • coefficient value for this person was not found. The driver was assigned class 3 and KBM = 1.

The last message can be obtained as a result of:

  • data entry errors. To check the result, it is recommended to try again or use another site to determine the coefficient;
  • processing errors (system failure). You can fix it in the way indicated in the previous paragraph;
  • lack of information about the driver in the PCA database (for example, due to the fault of the insurance company that did not provide information);
  • replacement of a driver's license in the current period;
  • liquidation of the insurance company with which the auto insurance contract was concluded.

If the bonus-malus coefficient is indicated incorrectly on the website of the Union of Motor Insurers, then you can go through the procedure for restoring the correct value of the parameter.

For this:

  1. It is necessary to pass a check on the PCA website for several previous dates, and find out exactly where the parameter was reset to zero;
  2. Find previous insurances with correct parameters (if any);
  3. Submit a written application to the insurance company. Additionally, you can contact the PCA and the Central Bank, which controls the activities of insurance companies. The document must indicate the reason for the appeal and describe the essence of the problem in as much detail as possible. A sample application can be found on the PCA website or on the website of the insurance company. The application must be accompanied by:
    a copy of the applicant's passport;
    a copy of a valid driver's license;
    copies of insurance policies for previous years (if any) or scans of requests to the PCA.

The maximum time for consideration of the application is 30 days from the date of receipt of the document. If a response is received within the specified period and the MSC is changed, then the problem is completely resolved.

If the answer is not received, then in order to restore the correct value of the bonus-malus coefficient, it is necessary to apply to the court.

Thus, you can calculate the cost of a motor vehicle citizen, knowing the basic tariffs in force in the region of residence of the owner of the vehicle and the values ​​\u200b\u200bof all coefficients that increase or decrease the total cost of the policy, you can do it yourself.

To calculate, you can use the simplest formula or online programs that are presented on the websites of insurance companies.

Video: OSAGO Part 3 Boris Calculation of tariffs coefficients

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Insurance forum → Forum of insurance agents → The period of using the vehicle for OSAGO - can it be divided

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Posts 3

1 Topic by Petrov 2012-12-13 17:35:32

  • Petrov
  • Where: Saint Petersburg
  • On the forum with 2011-01-28
  • Posts: 561

    • Topic: The period of use of the vehicle under OSAGO - is it possible to divide

    In the process of discussing the topic of recommendations to insurance agents “On the procedure for applying OSAGO insurance rates (issuing a policy)”, an interesting interesting question arose about whether it is possible to divide the period of use of a car or other vehicle when concluding an OSAGO agreement?

    2 Reply from sermi 2012-12-13 12:59:45

  • sermi
  • Inactive
    • On the forum with 2012-12-13
    • Posts: 1

      • Re: The period of use of the vehicle under OSAGO - is it possible to divide

      Note: The period of use cannot be split, i.e. is continuous for 3 or more months.

      From personal experience, there was a situation with a “minimum” period of limited use of the vehicle “less than 3 months”.
      There was a period of use of 4 months, I asked for an additional period of 1 month. (4+1 months) - instead of 1 month. imposed 3, and even with a coefficient as for the “new” 3 months. (That is, I would pay not as for the total 7 months - 0.8, but 1.1 (0.5 + 0.6) - more than for the whole year!).
      I had to go to the appellate court.
      I draw your attention to the fact that the decision of the court of first instance in my case was left unchanged on appeal. complaint without satisfaction only due to the fact that at the time of consideration the OSAGO agreement was terminated, which excluded the possibility of introducing an additional period of use retroactively (which I perfectly understood and did not insist on).
      But I achieved the main thing - in the motivational part it is indicated that the actions of the defendant (refusal) are unlawful, and the conclusions of the court of first instance are unfounded. And most importantly, it is stated: “that the provisions of Art. 16 of the Federal Law “On Compulsory Insurance of Civil Liability of Vehicle Owners” does not contain an indication of the continuity or indivisibility of the period of limited use of the vehicle during the year.”
      That is, the period of “limited use” of the TS (3 months or more) is not continuous and indivisible, it can be specified in parts, while the duration of each individual period of use and their number is not regulated. The total period of use of the vehicle during the year (the term of the OSAGO agreement), at least 1 + 1 + 1 months, should be taken into account, provided that all the indicated periods of using the vehicle in total would be 3 or more months. Incomplete month usage is rounded up to the full.

      And the coefficient of the insurance rate, depending on the period of use of the vehicle (Kc), for calculating the insurance premium should be applied (take the value of the coefficient), based on the sum of the periods of use indicated in the contract (policy), which, as indicated above, will always be 3 or more months in a calendar year.

      forum.bonus-malus.ru

      OSAGO validity period

      The period of time in which the driver who bought the policy can count on payment after an accident is called the validity period. On the territory of the Russian Federation, the most common period of liability insurance is 1 year. However, few people know that insurance can be purchased for a shorter period.

      At the same time, its value will be reduced in proportion to the period. What is the minimum term of insurance established by law? It depends on which of the three categories the car belongs to. There are only three categories:

    1. Cars that are used only in Russia. Such cars can be insured for a period of at least 3 months. Usually, this period is chosen by drivers who use a personal car for one season, for example, spring-summer (in order to go to the country).
    2. Cars with transit numbers. Insurance in this case, on the contrary, cannot be more than 20 days. It's called temporary. During this period, the driver usually removes or registers the car with the traffic police.
    3. Cars with permanent registration abroad. Usually these are cars of travelers from neighboring countries. They can insure the car for a period of at least 5 and no more than 15 days. Even if the traveler plans to enter for only one day.

    Validity of the OSAGO policy and the period of use of the vehicle

    It is worth noting that in OSAGO policies concluded for any period, there will always be a mark - 1 year. The number of months is specified separately and is called the period of use, which is actually the period in which the driver will use the car.

    For example, a driver buys insurance for three months. He can choose a month in summer, a month in spring, and a month in winter. How comfortable he is. Accordingly, the insurance policy will cost less if you take it for such short periods. However, if we compare the cost of an annual policy for a month and a limited one for 3 months, then the annual one will cost less.

    So, how much will the driver save if the period of use is 3 months? The coefficient will be - 0.5. To see the full table of coefficients, consider Figure 1.

    When concluding an insurance contract, you must always clearly monitor the period of its validity and expiration. The law establishes a fine of 500 rubles for an overdue policy.

    It is possible to extend the validity of OSAGO, limited by periods. It is absolutely not necessary to draw up a new policy every time, because, as we have already found out, this can be very unprofitable. If such a need arises, in most cases it is better to purchase a policy immediately for a whole year.

    A short video will tell you more about these two concepts:

    Grace month for OSAGO

    Any OSAGO policy tends to end someday. Many drivers believe that after the expiration of the insurance period, it is automatically extended for another year and you can safely drive further by paying for the next year in the near future. Some motorists believe that after the expiration of the policy they have a “grace month”, something like a “bonus” period, which is provided to the driver by the insurer.

    Such misconceptions should be seriously guarded against. The norm, according to which the validity of the policy was extended for one month in the absence of a refusal by the insured, was valid until 2008. Currently, after the expiration of the policy, the driver does not have the right to drive a car. For such a violation, a fine and confiscation of rooms are threatened, and this is a very unpleasant procedure. In addition, in the event of an accident due to their own fault, the motorist will be responsible for their own financial resources.

    Thus, such benefits are not provided for in the legislation and the driver should correctly plan the period of insurance and use of his car in advance.

    OSAGO and the period of use with a gap

    Hello. Please tell me. I insured the car under OSAGO for 3 months (then I left for 2 months, the car was standing) paid 0.5 of the annual period. The period of use has ended. I'm trying to extend now for another 3 months, but they tell me that because. period with a gap, and I did not warn the insurance company, then I have to pay 0.5 again for 3 months. I read the OSAGO law, I didn’t find it anywhere. Is the insurance company right? As I understand it, the period of use of the thing is absolutely voluntary, you need to extend the ride. No, don't go. Why does it turn out that for 6 months within the same contract I will pay as for a year?

    Lawyers Answers (1)

    Ask your insurance company to calculate your premium.

    Regulations on the rules for compulsory insurance of civil liability of vehicle owners, approved. Bank of Russia No. 431-P dated September 19, 2014
    Chapter 2. Procedure for paying the insurance premium
    The policyholder has the right to demand from the insurer a written calculation of the insurance premium payable. The insurer is obliged to submit such a calculation within three working days from the date of receipt of the relevant written application from the insured.

    Then, with a response from the insurance company, file a complaint with the Bank of Russia through the Internet reception.

    Looking for an answer?
    It's easier to ask a lawyer!

    Ask our lawyers a question - it's much faster than looking for a solution.

    What is the validity period of the policy and the term of OSAGO insurance for the vehicle?

    The term OSAGO means Compulsory Motor Third Party Liability Insurance. After purchasing an insurance policy, a person becomes insured against situations related to a vehicle occurring on the territory of the Russian Federation, due to which damage to property, life and health of people is caused.

    For example, if you turn out to be the culprit of an accident, break someone else's car, then the insurance company will pay compensation to the injured person instead of you.

    In the article, we will tell you for how long you can apply for OSAGO and whether it is worth doing it at all, and you will also find out what the period of use of a car (TC) is, what it is specifically in OSAGO and how to make a policy.

    Dear readers! Our articles talk about typical ways to resolve legal issues, but each case is unique.

    If you want to know how to solve exactly your problem - just call, it's fast and free!

    How long is the policy valid?

    If you have just bought a car, then the validity of the OSAGO policy for it will be 1 year. But it may change due to various factors– driving experience and age of the owner of the vehicle. The term of the OSAGO policy may be shorter if the car owner plans to use the car, for example, only in summer or spring. This is very convenient for summer residents, tourists and other people who do not use the car all year round.

    Quite often, car owners draw up an OSAGO policy for a period of three months. This option is suitable for people who often change vehicles, sell a car, or do not use it all year round, in this case it is possible to insure for a short period of time. Anyone can apply for such a policy. It costs two times cheaper than the usual one, which is issued for a year. If necessary, the car owner has the opportunity to purchase an OSAGO policy for 6 months. In this case, its cost will be 70% of the annual insurance.

    Within six months, the car owner will have to pay monthly for insurance, while its cost will remain the same, even if there are changes in tariffs.

    The question is, “for how many days can I issue OSAGO?” appropriate, because the period of its validity can be calculated in months and even years, and few people know, the more the cheaper.

    In order to register a vehicle, the policy must remain valid for at least 3 months. In other words, you will issue it for 1 year, but the policy will be valid for 3 or 6 months. Under such circumstances, the cost of OSAGO will be 40% of the cost of annual insurance.

    There is also the so-called transit insurance, which is valid for 20 days. However, in this case, you will not be able to register the car.

    What is the period of use of the car?

    The period of use of the vehicle is indicated in the policy in the upper right corner of the document, immediately after the “Validity period of the OSAGO agreement”. The the indicator means exactly how many months a person will use his vehicle. Throughout the entire period, the insurance company will be obliged to bear responsibility for it.

    If you intend to use the car throughout the year, then the period of use of the vehicle will coincide with the validity of the insurance policy.

    It is worth noting that the shorter the car owner takes out insurance for his car, the more expensive it will cost him. Therefore, when answering the question - “for how long can a car be insured under OSAGO”, I would like to note that the more, the better and more profitable for you. A person can insure a vehicle for several months, but if desired, he can always increase the validity of the insurance.

    Calculation method

    There is a basic cost of an OSAGO policy for a passenger car, and it is 4118 rubles.

    You can calculate the total cost of the OSAGO policy yourself using the formula:

    Let us consider in more detail the meaning of these coefficients:

  • CT is the territorial coefficient. It is determined in accordance with the place of residence of the car owner.
  • cbm- this coefficient denotes the so-called discount to the car owner if he did not receive payments due to an accident in previous periods of insurance.
  • kvs- coefficient, the size of which depends on the age of the car owner, as well as on his driving experience.

    • What is the minimum term for OSAGO insurance?

    In some cases, the driver is interested in taking out insurance for his car not for the entire calendar year, but for a shorter period. This may be to his advantage when it comes to selling a vehicle soon. Therefore, drivers are interested in the minimum period of OSAGO insurance when applying in 2018.

    Taking out a short-term policy is an opportunity to save money. The minimum term of OSAGO 2018 is 3 calendar months. This rule applies to residents of the country.

    When paying for 3 months of the policy, keep in mind that the insurance is still calculated for the whole year. This option is specified in the signed contract. This means that at any time you can prolong the validity of the current policy.

    In this case, it is necessary to distinguish between the period of validity and the period of use of the insurance policy. The period of use of the OSAGO insurance policy is always exactly 1 year. The duration of the insurance depends on the period for which the policy was paid. Often drivers confuse these concepts and get into unpleasant situations.

    You will be issued a fine for driving the vehicle during the period of using OSAGO, if the validity of the insurance is not extended.

    Minimum OSAGO period for individuals and legal entities

    Under the OSAGO policy, the minimum insurance period for 2018 is different for individuals and legal entities. The former can count on 3 months, and for the latter, this is the minimum 6-month period for issuing insurance. At the same time, the transport that can be insured by a legal entity is prescribed separately: special, harvesting and agricultural equipment.

    Special cases

    At the legislative level, minimum periods of insurance are prescribed separately in exceptional cases. These options apply to the following situations:

    • If the car leaves for the traffic police department for registration in the database and further use of the vehicle on the roads of the country, then in this case the minimum allowed period for issuing OSAGO is 1-20 days.
    • For the movement of vehicles within the borders of the country for technical inspection and registration, a 20-day insurance period is provided.

      • Separately, the minimum period of OSAGO insurance in 2018 for foreigners who come to the Russian Federation is also considered. If the car does not have official registration in Russia, then the driver has the opportunity to open an insurance policy for a minimum period of 5 days. The maximum validity period of the OSAGO policy will be 15 days. As for the cost of OSAGO insurance, it will be the same regardless of the time the car stays on the roads of the Russian Federation.

      Calculation of the cost of OSAGO when issuing a policy for a minimum period

      If payment is made for an incomplete calendar year, then the calculation coefficient must be taken into account. For example, a three-month policy at a price will cost 50% of the cost of annual insurance.

    From 2019, the Central Bank of Russia introduces new minimum and maximum levels of the base TB rate. They will make up:

    • for motorcycles (categories A, M): 694 rubles. - min and 1407 p. – max;
    • for passenger cars (categories B, BE):

    For private owners and individual entrepreneurs: 2746 rubles. - min and 4942 p. – max;

    For organizations: 2058 rubles. - min and 2911 p. – max;

    For a taxi: 4110 rubles. - min, and 7399 p. – max;

    • for trucks (categories C, CE):

    Up to 16 tons: 2807 rubles - min and 5053 p. – max;

    More than 16 tons: 4227 rubles. - min and 7609 rubles. – max;

    • for buses (categories D, DE):

    Less than 16 passenger seats: 2246 rubles. - min and 4044 rubles. – max;

    More than 16 passenger seats: 2807 rubles. - min and 5053 p. – max;

    Shuttle taxis: 4110 rubles. - min and 7399 rubles. – max;

    • for trolleybuses (category Tb): 2246 rubles. - min and 4044 rubles. – max;
    • for trams (category Tm): 1401 rubles. - min and 2521 rubles. – max;
    • for tractors, self-propelled road-building and other vehicles: 899 rubles. - min and 1895 p. – max.

    Minimum OSAGO period

    All drivers participating in road traffic on the territory of the Russian Federation are required to have an OSAGO policy. At the moment, the cost of a motor citizen can be calculated for 3 categories of vehicles:

    Accordingly, each category has its own minimum insurance period. For the first one, it is from 5 to 15 days, i.e. for an OSAGO agreement that “fits” into this interval, the insured will pay the same amount.

    For drivers driving vehicles across Russia to the place of permanent registration or following the PIK (technical inspection), the insurance period is always the same - 20 days, no less and no more.

    The latter, the main group of car owners, concludes a standard OSAGO agreement, the calculation procedure for which is the same for all insurance companies in the Russian Federation. Let us dwell in more detail on this policy of auto-citizenship.

    Note!

    To begin with, let's deal with the terms used when applying for OSAGO insurance: "Term of the contract" and "Period of using the vehicle."

    Term of insurance. In the upper right corner of the OSAGO policy, the “Validity period of the OSAGO agreement” is entered, and it is ALWAYS 1 year.

    period of use. It is indicated in the next line of the policy and determines the months during the term of the contract (policy year) when the car owner will use his vehicle, and the insurer will be responsible for it. If the driver plans to use the car for the whole year, the period of use coincides with the annual validity period of OSAGO.

    But not all car owners operate their vehicle all year round. A limited period of use (several months per year) is relevant, in particular:

    • for "snowdrops" who use the car exclusively in the warm season;
    • for those who plan to sell the vehicle in the near future;
    • for car owners leaving on long business trips, vacations, etc.

    And of course, the fewer months a year a driver uses his car, the lower the cost of OSAGO insurance for him.

    Today, you can conclude an OSAGO contract for at least 3 months (do not forget the period of use within the framework of annual insurance).

    In general, when calculating OSAGO for several months, the following table is used.

    table scrolls to the right

    Period of insuranceCoefficient Kp
    3 months 0,5
    4 months 0,6
    5 months 0,65
    6 months 0,7
    7 months 0,8
    8 months 0,9
    9 months 0,95

    The cost of OSAGO for 10 and 11 months will cost the annual insurance.

    • Car owners who take out OSAGO for several months a year pay more for each month than those who buy a policy for a whole year.
    • The cost of annual OSAGO insurance will not change during the annual insurance period indicated in the policy, even if rates increase during this year. When issuing a policy for several months, be sure to find out the cost of annual OSAGO insurance, at least in order to know the subsequent surcharge (if it is required in case of an increase in the period of use). You can insure for several months, and then, if necessary, pay extra and extend the period of use .
    • The period of use in the CMTPL policy form is “broken” into several parts. That is, you can immediately “paint” the entire insurance year ahead when applying for OSAGO. For example: 1 month in winter, 3 months in summer, 1 month in autumn and other variations. When paying, only the total number of months in a year matters.

    The arithmetic is simple. The OSAGO insurance contract is always concluded for a year (see the upper right corner of the policy). The annual cost of the policy is a constant value.

    As a rule, those who plan to sell it in the near future insure their car for a minimum period of 3 months. And, as can be seen from the table, for 3 months the insured will have to pay half of the annual cost of OSAGO.

    If, for some reason, the sale does not take place, the insurance can easily be extended until the end of the policy year. At the same time, the additional payment for the remaining 9 months will be the remaining half of the annual cost of OSAGO (the same amount as you paid for the first 3 months).

    It is known that the OSAGO Rules do not provide for payment of a motor vehicle citizen in installments.

    But no one bothers the driver to first pay for 3 months (0.5 annual insurance), then extend the policy for another 3 months (0.2 annual insurance), and then pay only 0.3 annual amount for the remaining six months. In fact, it turns out the same installment plan. If you don't mind the time, it's very beneficial given certain financial difficulties and our level of inflation.

    The main thing is not to forget to extend the period of use in advance. Otherwise, the insurer has the right to take for the following months, as for the first, i.e. with increasing coefficient Kp.

    Driving a vehicle during a period not covered by the OSAGO policy entails a fine of 300 rubles. Don't settle for more.

    The most important!

    Let's explain with an example. If the term of OSAGO insurance is from May 5 to May 4, and the period of use is from May 5 to August 4 (3 months), then driving a vehicle after August 4 and before May 4, you risk your wallet.

    The main thing is not to confuse failure to fulfill the civil obligation to insure under OSAGO (i.e., the complete absence of an OSAGO agreement), which is punishable by a fine of 500-800 rubles or removal of numbers, and forgetfulness to extend the period of use within the insurance year.

    If an accident occurs during the period not covered by the OSAGO policy, the insurance company will pay the victim, but then present a recourse claim to the negligent insured and force him to reimburse his expenses.

    • You can conclude an OSAGO agreement for a limited period of time - for 3, 4, 5, etc. months.
    • In this case, the insurance premium for the first months will be calculated with a multiplying coefficient.
    • The policyholder has the right to extend the period of use for any number of months, respectively, paying extra for them, up to the end of the policy year.
    • The total cost of OSAGO for the year should be the same, both with a one-time payment and with payment in installments, by months.

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    The issue of concluding an OSAGO agreement is quite clearly regulated by the current legislation, in particular, the Federal Law “On Compulsory Insurance of Civil Liability of Vehicle Owners” dated April 25, 2002 No. 40-FZ (hereinafter - Federal Law No. 40-FZ). But in practice, questions still arise regarding the terms of insurance, especially for drivers who do not use the vehicle all year round.

    Art. 10 FZ “40-FZ establishes a rule according to which the general term of the OSAGO agreement is 1 year. But below the legislator gives options for exceptions to the rule. In particular, we are talking about the following cases:

    1. When using a vehicle registered in the territory of a foreign state for temporary movement within the territory of the Russian Federation. In this case, the contract is concluded for the period of use; but not less than 5 days.
    2. If the owner of the car does not have a diagnostic card in the following cases:
      • When buying a new car and transporting it to the place of registration.
      • When following to the place of technical inspection of the car.

    The legislator gives car owners a period of 20 days to perform the above actions.

    Another exception is provided by Art. 16 of the Federal Law No. 40-FZ, which refers to the limited use of the car, for example, during the season. It is, as a rule, about snow-removing, agricultural machinery.

    However, it is not forbidden to insure vehicles for a season (3 months) and ordinary citizens.

    In this case, when concluding an OSAGO contract, it is necessary to notify the insurer about this and, accordingly, the amount of the insurance premium will be recalculated in accordance with the term of the contract.

    OSAGO is an insurance policy that every vehicle moving within the Russian Federation must have, otherwise penalties will be applied. In connection with the compulsory form of insurance, many questions arise, in particular, what is the minimum term of OSAGO, is it possible to insure a car for a particular period of time.

    Who needs OSAGO?

    Before you decide which policy to issue, you should understand for which categories of cars an auto citizen is needed:

    • for persons with foreign citizenship and non-residents of the country. The car has foreign numbers;
    • Vehicles heading to the place for registration and entry into the register. The location of this item is not taken into account;
    • in the process of delivery to the account and after it, for cars permanently located in the country.

    For vehicles that are registered in other countries, you can buy an auto insurance policy for a period of 5 days to six months.

    The owner independently determines the duration of the insurance, if a week is not enough, you can apply for 10 days or several months. The practice of issuing for a month is often used so that the insurance does not end when the circumstances of the foreigner's stay in the country change.

    It will not be necessary to determine for how long you need to make insurance if the vehicle is sent to a place for permanent registration with the traffic police. Here the minimum and maximum time coincides - a period of 20 days. The conclusion of the contract for another period of time is not carried out.

    Auto insurance for a car with constant operation within the country is minimally concluded for a period of three months. The third group is the most common and common, as there are many more auto residents.

    When drawing up a contract, several concepts are used, misunderstanding causes the period of use of the vehicle. What is it? There are differences between the period of auto insurance and the duration of the operation of the vehicle. The law of the Russian Federation describes that the period of insurance is the period of time for which the contract is concluded. Its duration is always 1 year. You can find the entry in the upper right corner.

    The period of use is a slightly different concept, and this period fits in the column below the previous mark. This indicates what time of the year the car will be operated, you can choose by month. The policy can be drawn up for commercial or personal vehicles that only carry out transportation for a limited period of time.

    Who needs OSAGO?

    Attention

    I buy, how to choose? All drivers participating in road traffic on the territory of the Russian Federation are required to have an OSAGO policy. At the moment, the cost of a motor citizen can be calculated for 3 categories of vehicles:

    1. For vehicles registered in foreign countries.
    2. For vehicles heading to the place of registration (transit workers) or to undergo technical inspection.
    3. To register the vehicle with the traffic police and further use on the territory of the Russian Federation.

    Accordingly, each category has its own minimum insurance period.

    Bonus-Malus coefficients are used in OSAGO to reduce or increase the insurance premium. They depend on the quality of driving of the insured in the past insurance periods. If he was not the culprit of the accident, then the cost of insurance is reduced, if he caused damage to third parties one or more times, then the next time the OSAGO policy will be more expensive for him.

    In 2019, the minimum coefficient will be 0.5. The maximum value of KBM will be 2.45. A specific calculation of the coefficient for each insured is made according to the table, which takes into account the number of insurance payments and KBM for the previous insurance period.

    What is the period of validity of the policy and the term of insurance for motor third party liability insurance?

    OSAGO terms

    Let's get straight to the definitions. According to the OSAGO rules, there is the concept of "term of insurance", and there is the concept of "period of use". The term of OSAGO insurance is always 1 year. But the period of use is from 3 to 12 months.

    How it works? You drive by car only in the warm season, from April to September. It makes no sense for you to buy insurance that will be valid all year round - why, if in winter the car is in the garage or in the parking lot?

    On March 15, you come to the insurance company and ask to sell the OSAGO policy for six months. An insurance employee fills out a policy form and offers to take a look - is everything correct?

    OSAGO is a compulsory car insurance as a road user. The need for insurance in Russia is regulated at the legislative level.

    Without such insurance, driving a vehicle is unacceptable. The policy has a number of features: depending on the type of car, duration of use, place of operation of the car.

    READ ALSO: OSAGO calculator 2018 online - Calculation of the cost of the OSAGO policy

    The most common type of OSAGO, as it involves the use of a car only within the country. It can be issued for a different period of use. There are options for short-term or seasonal use.

    Short-term policy is relevant for:

    • People who operate the car exclusively in a certain period of time. This is mainly due to the fear of snowy roads, poor traffic or seasonal business.
    • For those who will soon be selling a car and do not want to overpay in vain.
    • For car owners who often spend time outside the country, leaving on business trips.
    • In this case, the conclusion of an insurance contract is possible for a minimum period of 3 months. If the car crosses the borders of the country, you will have to re-issue an insurance policy.

    Every citizen of those who sold or bought a car should be aware of the concept of transit insurance, which is designed to ensure the safe movement of a vehicle from the place where the car was sold to the place of permanent registration. It is relevant for transactions that take place outside the same place of residence.

    For this task, OSAGO is provided for a duration of 20 days, there is no tariff plan for a longer or shorter time. For transit cars, the duration is standard.

    If you do not buy insurance, a person risks his car, because if a marriage is found in the process, the car will be damaged, and no payment will follow. Another factor is the traffic police, since it is forbidden to move around without insurance, stopping by the traffic police will result in a fine.

    This insurance is required for:

    • transportation of the car to the regional office for registration;
    • to accompany the car to the service station for repair;
    • to transport the car to the place of sale.

    The cost of insurance is influenced by various factors, most of all:

    • region of use of the vehicle;
    • car power;
    • driving experience of the person who will drive it;
    • driver's age.

    The approximate cost of OSAGO, depending on the capacity, will have the following indicator:

    • 70-100 l. With. - 1600 rubles;
    • 100-120 l. With. - 1800 rubles;
    • 120-150 l. With. - 2100 rubles;
    • 150 l. With. and more - 2400 rubles.

    There are ways to calculate the cost using all the important indicators, but it can be quite difficult to do it yourself. It is better to use the services of online calculators.

    The legislation provides for the possibility of registering a car if it has foreign numbers. To avoid fines, you need to know the intricacies of issuing OSAGO for cars with foreign registration.

    Situations where registration is required:

    • a non-resident has planned a long stay in Russia and the use of his own car brought from abroad;
    • a foreign citizen needs to cross the country, but at the same time his goal lies outside the territory of Russia;
    • a resident of the country in any way received a car that has a registration abroad, and the person plans to use it within Russia without changing the registration.

    In all situations, the purchase of an insurance policy is required if you plan to use vehicles that have registration abroad. The only exceptions are vehicles used by authorized persons with a diplomatic mission and consular vehicles.

    In this case, some additional documents will be required:

    • documents for registering a car in any country, as well as their translation into Russian, while the translation must be notarized;
    • non-resident's passport.

    At the same time, registration of OSAGO does not require a technical inspection, so you can purchase insurance without a coupon. If the duration of the Green Card expires, it can be extended, but this will incur additional costs.

    It is much cheaper to immediately buy OSAGO for the period of the car's stay, since the shorter the duration of the contract, the higher the interest rate.

    Helpful advice!

    To be able to issue a policy lasting from 15 days to 1 year, you will need a diagnostic card with a Russian sample. A coupon on the passage of MOT in another state in which the registration of the vehicle was carried out is also suitable. It is important to have a high-quality translation into Russian so as not to run into formal problems.

    The basic tariff for cars with foreign registration is 1980 rubles. To calculate the real cost, you need to multiply the tariff by the insurance duration factor and its power factor.

    For how long can I issue OSAGO? The maximum validity period is 1 year. It is worth noting that this option is the most profitable, you do not have to overpay.

    When buying for a shorter period of time, you have to overpay in percentage terms, although the total amount payable will fall. For example, to purchase a policy for six months, you will have to pay 70% of the cost of annual insurance. This provides a one-time saving of 30%, but with a further purchase for another six months, the overall overpayment will be 40%.

    The advantage of taking out annual insurance is that even with the increase in the cost of the service, the price for you will be fixed and no additional costs will be required. If a temporary contract is planned, it is recommended to find out in advance the cost of insurance for a year in order to extend the OSAGO if necessary.

    Consider the ratio of the cost of a temporary policy in months in relation to the annual cost:

    • 3 - 50 %;
    • 4 - 60 %;
    • 5 - 65 %;
    • 6 - 70 %;
    • 7 - 80 %;
    • 8 - 90 %;
    • 9 - 95 %.

    Thus, when applying for a policy for 9 months, you can save only 5% of the amount.

    Similar conditions are needed, for example, for the following motorists:

    • Using transport only during the warm season. They usually need OSAGO for 6 months.
    • Planning to sell the car in the near future. In this case, you may need to insure the policy for three months or even less.
    • Often traveling on business trips and so on.

    In general, there are a lot of cases when OSAGO is necessary for 1 month and a little longer. Current legislation allows you to issue such insurance for cars.

    There are two exceptions to this rule:

    1. An auto insurance contract can be concluded for up to 20 days in cases where, after purchasing a vehicle (purchase, donation, inheritance, and so on), its new owner drives the car to the place of registration or technical inspection.
    2. It is allowed to issue OSAGO for a period of 6 months with an extension of the contract (additional insurance) for 1. Similar conditions apply to motorists who use transport only during a certain season.

    In other cases, the minimum duration of the insurance is 3 months. At the same time, its registration rules and conditions remain practically unchanged.

    To sign a contract for 90 days, you must perform the following steps:

    1. Contact the insurance company with a statement in which this minimum time period should be indicated.
    2. Provide a passport of the car owner.
    3. Vehicle documents.
    4. A document confirming the ownership of the vehicle.
    5. Driving licenses of all persons who will be allowed to drive the car.

    If the car owner decides to issue an OSAGO for 3 months, then he will have to pay 50% more for insurance.

    When calculating how much insurance costs, you must be guided by the following coefficients, depending on the number of months:

    • 3 – 0,5;
    • 4 – 0,6;
    • 5 – 0,65;
    • 6 – 0,7;
    • 7 – 0,8;
    • 8 – 0,9;
    • 9 – 0,95.

    For example, the cost of insurance with a car operation time of 10 months is equal to the price of a classic annual policy. Thus, we simply lose two months of insurance. Sign an agreement where there will be a minimum insurance for a car under OSAGO only if you really drive it only in a certain season. Then such savings will be justified. How to buy OSAGO in installments So, we will not be able to save on the cost of insurance by reducing the operating time of the car. Nevertheless, using the period of seasonal use of the vehicle, you can make an installment payment without overpaying for the OSAGO policy. The fact is that when buying insurance with a limited life of the vehicle, nothing will prevent later to increase this period to a year.

    OSAGO for a minimum period, or period of use

    Attention

    I buy, how to choose? All drivers participating in road traffic on the territory of the Russian Federation are required to have an OSAGO policy. At the moment, the cost of a motor citizen can be calculated for 3 categories of vehicles:

    1. For vehicles registered in foreign countries.
    2. For vehicles heading to the place of registration (transit workers) or to undergo technical inspection.
    3. To register the vehicle with the traffic police and further use on the territory of the Russian Federation.

    Accordingly, each category has its own minimum insurance period.


    For the first one, it is from 5 to 15 days, i.e. for an OSAGO agreement that “fits” into this interval, the insured will pay the same amount. For drivers driving vehicles across Russia to the place of permanent registration or following the PIK (technical inspection), the insurance period is always the same - 20 days, no less and no more.

    Coefficient ks of the period of use of the vehicle

    Info

    Short policies were introduced by the state in order to eliminate contradictions in the Law. The fact is that when selling OSAGO, the insurance agent is obliged to check with the client that the car has a valid diagnostic card.


    However, a person who has just bought a vehicle cannot drive it to the technical inspection point, since he does not have the right to drive a car without insurance. To avoid this vicious circle, there is a short twenty-day policy that can be bought without a diagnostic card.
    Minimum term of OSAGO What is the minimum period for which OSAGO can be issued if drivers who do not use the car all year round? To do this, OSAGO policies provide for a special condition, which is called: the period of seasonal use of the vehicle.

    What is the period of validity of the policy and the term of insurance for motor third party liability insurance?

    As a general rule, a compulsory auto insurance contract is always concluded for one year - this information is indicated in the upper right corner of the policy. If the vehicle is to be sold, it is insured for a minimum period.

    For the remaining 9 months, you will need to pay half the annual cost of OSAGO (the same as for the first 3 months). Thus, having paid 0.7 annual OSAGO for the first 6 months, for the next you will pay 0.3 annual insurance.

    How to save money on an OSAGO policy OSAGO rules do not provide for payment of civil auto insurance in installments.

    The period of use of OSAGO, the minimum period

    Table 1. The dependence of the cost of insurance on its duration. the table scrolls to the right Insurance period Kp coefficient 3 months 0.5 4 months 0.6 5 months 0.65 6 months 0.7 7 months 0.8 8 months 0.9 9 months 0.95 The cost of OSAGO for 10 and 11 months will cost for annual insurance. Important:

    • Car owners who take out OSAGO for several months a year pay more for each month than those who buy a policy for a whole year.
    • The cost of annual OSAGO insurance will not change during the annual insurance period indicated in the policy, even if rates increase during this year.

    Minimum insurance period

    The latter, the main group of car owners, concludes a standard OSAGO agreement, the calculation procedure for which is the same for all insurance companies in the Russian Federation. Let us dwell in more detail on this policy of auto-citizenship.

    Selecting the type of vehicle Number of driversNumber of drivers Term of insurance and period of use in the OSAGO policy First, let's look at the terms used when applying for OSAGO insurance: "Validity period of the contract" and "Period of using the vehicle." Term of insurance. In the upper right corner of the OSAGO policy, the “Validity period of the OSAGO agreement” is entered, and it is ALWAYS 1 year.
    period of use. It is indicated in the next line of the policy and determines the months during the term of the contract (policy year) when the car owner will use his vehicle, and the insurer will be responsible for it.
    Agafonov 11:27 The period of using the vehicle. That is, the number of months during which you operate your piece of iron Yaroslav 13:10 At the request of the insured, you can declare a certain period of using the car. For example, from the beginning of April to the end of October, if the car is not used in winter. A policy with such restrictions becomes a little cheaper yahooh 22 :11 if you will drive a car not for a whole year, you can choose the period of using the car - less than a year ... this period is from 3 months ..
    you can insure first for 3 months, and then extend it ... Irma 18:08 As a rule, they insure for a period of use of 1 year, but it is possible for a driving period, seasonally, or half a year. (indicate time, month, year).

    What is the period of use of TS OSAGO

    There are 3 categories of vehicles: vehicles registered in the territory of another state and entered the territory of the Russian Federation; Vehicles entering the territory of Russia in transit; Vehicles permanently operated on the territory of the Russian Federation. According to the current legislation, the minimum period of motor third party liability insurance in 2018 is three months.
    The shorter the term of insurance, the cheaper it will cost the owner of the vehicle. To calculate the cost of a policy for several months, the coefficients indicated in the table are used: Period of insurance, months (total for a year) Cost from annual insurance or term coefficient (Kc) 3 0.5 4 0.6 5 0.65 6 0.7 7 0 .8 8 0.9 9 0.95 Additional information:

    • It is more profitable to purchase a compulsory insurance policy for the whole year at once.

    What is the period of use of nc in OSAGO

    To date, the cost of such insurance can be calculated: 1. For vehicles that are registered abroad. 2. For vehicles that are going for technical inspection or to the place of registration.
    3. To register a vehicle, which will be used in the future on the territory of the Russian Federation, with the traffic police. In all these cases, their insurance terms are provided, for example, for the first category - 5-15 days.
    If OSAGO "fits" in the designated interval, the insured will need to pay the same amount of money. For drivers who are following for a technical inspection or driving a vehicle across the territory of the Russian Federation to the place of registration, the insurance period is 20 days, no more and no less.


    The last, largest group of citizens, concludes a standard OSAGO. Its calculation procedure is the same in all insurance companies in Russia.

    What is the period of use of the vehicle in OSAGO

    During payment, only the total number of months in a calendar year is taken into account. CMTPL validity period Owners of a vehicle registered in another country and temporarily located on the territory of the Russian Federation (for a period not exceeding two weeks) must purchase a policy for 5 or 15 days. Cars going to the place of permanent operation and cars going to the technical inspection point (PIK) must be insured for a period of 20 days.

    If the owner of the vehicle does not issue a permanent OSAGO policy after this period, he will be forced to leave the territory of the Russian Federation. For other cars operated on the territory of the Russian Federation, the term of the compulsory car insurance contract is one year. Please note that the insurance year is not always equal to the calendar year.

    What does the period of use of the vehicle in OSAGO mean

    But no one bothers the driver to first pay for 3 months (0.5 annual insurance), then extend the policy for another 3 months (0.2 annual insurance), and then pay only 0.3 annual amount for the remaining six months. In fact, it turns out the same installment plan. If you don't mind the time, it's very beneficial given certain financial difficulties and our level of inflation.
    The main thing is not to forget to extend the period of use in advance. Otherwise, the insurer has the right to take for the following months, as for the first, i.e. with increasing coefficient Kp. Fine for driving the vehicle during the period of use not covered by the OSAGO policy Driving the vehicle during the period not covered by the OSAGO policy entails a fine of 300 rubles. Don't settle for more. Let's explain with an example.
    As a rule, those who plan to sell it in the near future insure their car for a minimum period of 3 months. And, as can be seen from the table, for 3 months the insured will have to pay half of the annual cost of OSAGO.

    If, for some reason, the sale does not take place, the insurance can easily be extended until the end of the policy year. At the same time, the additional payment for the remaining 9 months will be the remaining half of the annual cost of OSAGO (the same amount as you paid for the first 3 months).

    Accordingly, as can be seen from the table, having paid 0.7 annual OSAGO for the first six months, for the remaining 6 months you will need to pay 0.3 annual insurance. How to save money on an OSAGO policy It is known that the OSAGO Rules do not provide for payment of a motor vehicle citizen in installments.