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1. Registration of compulsory insurance for pensioners
2. Technical inspection for pensioners
3. Calculation of the cost of compulsory motor insurance for pensioners
4. Comprehensive solution for pensioners

Such a group of the population as pensioners in our country is not particularly wealthy, so issuing a compulsory motor liability insurance policy is a very difficult task for them, as it hits their wallets hard. However, in our company, all pensioners receive an additional discount when applying for compulsory motor liability insurance. Special MTPL program for pensioners.

Registration of compulsory motor liability insurance for pensioners

• The price is lower than everywhere else
• Free inspection
• Official registration
• Special conditions for pensioners

Only our company offers special conditions for insuring pensioners under the MTPL program. If you are a pensioner, then with us you will get the maximum benefit when you take out a compulsory motor liability insurance policy. What do you get? Firstly, we will give you a discount when applying for compulsory motor liability insurance, so our policy will be cheaper than anywhere else. Secondly, we issue only official policies; you can always check the legitimacy of the policy using the PCA database or with the insurance company. Thirdly, we will issue you a technical inspection completely free of charge if you do not have one. Fourthly, we will keep all the discounts that you had before; we guarantee that all the discounts that were valid before will remain with you. Thus, you get as many as 4 benefits that are valid only for pensioners, only in our company and only today! Just like one, two, three, four.

OSAGO stands for compulsory civil liability insurance and is one of the most important and necessary documents that allow you to drive a vehicle. Why is compulsory motor insurance policy so important? We all know that driving a car, motorcycle or other equipment is often dangerous, and on the road there is always the possibility of damaging your own or someone else’s car, which in turn is a very expensive property. It is precisely for such situations that the MTPL policy is designed, which is responsible for covering the damage that you cause to other road users, so that you do not have to pay a decent amount for repairs from your wallet.

Any driver driving a vehicle must have a valid insurance policy, or must be included in the insurance, unless it is open. Failure to have a policy will result in a fine of 800 rubles or suspension from driving until the violation is corrected. In addition, without MTPL you will not be able to register your car after purchase, and if you get into an accident, you also risk losing a large sum of money.

Registration of compulsory insurance for pensioners

Depending on the region where the insurance policy is issued, as well as other coefficients by which the cost of insurance is calculated, the price for it can be very high. Due to the difficult economic situation and low incomes, for some people living in the Russian Federation, obtaining insurance becomes a big problem. One of these categories of citizens are pensioners. Registration of compulsory motor insurance for pensioners living in large cities, such as Moscow, can cost as much as the size of the pension itself, which, of course, cannot but lead to sad thoughts. However, we are happy to announce that we provide a significant discount on insurance for pensioners. We will talk about this further.

OSAGO for pensioners in 2021

Good news awaits motorists with an impressive driving record and driving without accidents. By calculating according to the new standards, the cost of compulsory motor insurance for pensioners can be significantly reduced. It's a good idea to call insurance companies in your city of residence to find lower rates.

In Moscow, the minimum tariff is 3,432 rubles, the maximum is 4,118.

Calculation formula

For car drivers, the price of an insurance policy depends on several components. The calculation is made individually using the formula:

SP = TB × CT × KBM × KVS × KO × KM × KS × KN.

Where:

SP – insurance premium. This is the amount to be paid.

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TB – basic tariff. Selected by insurers for a specific category between the limit values.

CT is a territorial indicator. Each region has its own value. The larger the settlement, the higher the value. For Moscow CT=2.

KBM – bonus-malus, depending on the availability of insurance payments.

PIC – age-experience indicator. It is determined from the table and is determined by a combination of the driver’s age and experience.

KO – open policy coefficient. It has two values ​​1 and 1.8 (used for an unlimited number of drivers).

KM is an indicator determined by the power of the car’s engine, noted in the registration certificate. The more horsepower, the larger the value.

KS – coefficient of service life. Depends on the period for which the policy is issued.

KN – indicator of violations. Has values ​​of 1 or 1.5.

Age-experience coefficient (ACC) for pensioners

A parameter that depends on the age and driving experience of a motorist is called the age-experience coefficient. It can significantly change the price of the policy. The Central Bank document changed the rules for appointing a captain. Instead of four steps, 58 were introduced.

For experienced car owners of retirement age, a minimum figure is proposed.

It is almost two times less than for young novice drivers.

This gradation implies significant discounts on MTPL for pensioners. It is worth noting that the innovation also affected the calculation of driving experience. Until 2021, the total number of years on a driver's license was taken into account. Today, to obtain auto insurance, the length of service for the corresponding category is calculated.

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Bonus-malus coefficient

The accident-free driving coefficient plays a large part in the insurance premium. It depends on the quality of driving of the car owner in previous periods. The minimum value is 0.5, the maximum is 2.45. 01/09/19 a new system for using KBM was introduced. According to these rules, the bonus malus is calculated on April 1 for 1 year. It will not increase during this year.

When calculating the driver’s bonus malus, its value and the number of insurance payments for the previous period are taken into account. To calculate the price of an open policy, a fixed BMR equal to one is used. For the car owner, it is calculated according to accepted rules.

It is recommended to check the bonus malus applied by the insurance company.

If insurance is not issued for the first time, there are no insurance payments, then the pensioner has the right to expect a discount on compulsory motor liability insurance for accident-free driving.

The CBM becomes smaller and reduces the insurance premium.

Technical inspection for pensioners

When applying for a compulsory civil liability insurance policy, you must undergo a technical inspection and receive a diagnostic card confirming the serviceability of the insured vehicle. Here another problem arises, since this procedure also costs a certain amount of money, and going back a little higher, we also add the cost of a technical inspection to the cost of the compulsory motor insurance policy. This will be a serious blow to the wallets of not only pensioners, but all other policyholders. But you shouldn’t get upset and start wondering how much money will be spent on a compulsory motor insurance policy, because when you apply for a compulsory motor insurance policy, you can get a technical inspection absolutely free. Again, we clarify that the technical inspection will be free for you only when you apply for compulsory motor insurance.

Calculation of the cost of compulsory motor insurance for pensioners

And so, going back a little higher, we remind you that registration of compulsory motor insurance for pensioners is provided at a significant discount. How the cost of compulsory insurance for pensioners is calculated in our company, and why the discount will be noticeable, we will now tell you. The fact is that the cost of a compulsory insurance policy is calculated by multiplying the base rate, which in almost all insurance companies is 4,118 rubles by a number of coefficients. The coefficients by which this tariff is multiplied are: driver experience, driving history, in particular accident rates, insurance region (for example, in a city where the population and traffic are larger, the cost of an insurance policy can be several times higher compared to a small region) and also technical data of the vehicle. All these coefficients are completely different for all policyholders, however, when insuring a car in Moscow, even if all the coefficients are minimal, the MTPL policy will still cost much more. In the situation regarding registration of compulsory insurance for pensioners, our company, as we have already mentioned, offers a good discount. Reducing the cost of compulsory motor insurance policies for pensioners is possible due to the fact that for this group of people, in our company the basic tariff is not 4,118 rubles, but 3,432 rubles. If we calculate taking into account all the coefficients, then the difference in the cost of an insurance policy before the discount and after can reach up to 3,000 rubles, which, of course, cannot but be good news for our clients who have reached retirement age.

What are the benefits for pensioners under compulsory motor liability insurance?

For ordinary pensioners (if they are not disabled or labor veterans) no discounts are provided. An elderly person can only count on a discount for an accident-free record and a bonus for being over 59 years old.

Discount conditions for disabled pensioners in 2021:

• half or a third of the amount paid under the agreement will be compensated;
• pensioner status is not enough for preferential treatment (discounts and special calculations are applied only to persons who can prove disability);
• disability of group I, II or III is sufficient as a basis;
• the size of the discount depends on the final cost of the policy;
• The benefit can be used no more than once a year.

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Discounts are not regulated by clear standards and change from year to year. For reference, it is recommended to study the terms and conditions published on the insurance company website or contact the company manager for advice.

Comprehensive solution for pensioners

And so, summing up all of the above, we can safely say that if you are a citizen of the Russian Federation of retirement age, then by insuring yourself, you can save your money well. In addition to the discount that pensioners can receive when taking out a compulsory motor insurance policy, passing a technical inspection also becomes absolutely free for them, as was mentioned a little earlier. Our company strives to make the life of our clients easier and make it a little more pleasant, and we really hope that in return, you will always be happy to advise your friends and relatives to take out a compulsory motor insurance policy in , where, regardless of the complexity of their situation related to obtaining a compulsory motor insurance policy, they will be able to do this within one hour.

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How is insurance paid to pensioners?

OSAGO is designed to guarantee the liability of a motorist if an accident occurs due to his fault. In order for the victim to receive payment, the accident must be correctly recorded. The action plan and procedure for insurance compensation for pensioners do not differ from the standard ones.

Using the Euro protocol:

1. Fill out the protocol form together with the culprit.
2. To obtain evidence, take photos from the scene of the incident.
3. Come to the Investigative Committee office within 5 days after the accident.
4. Draw up and submit an application for compensation, provide the car for evaluation.
5. Receive a referral to a service station for repairs or expect a cash payment.

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Registration with a call to the traffic police:

1. Call the traffic police or emergency commissioner.
2. Wait until they arrive and fill out the protocol.
3. Contact the department and make a request for a copy of the protocol.
4. Appear at the traffic police office to pick up the case materials.
5. Come to the insurer's office to write an application for compensation and provide evidence of the accident.
6. Present the car for damage assessment.
7. Wait for compensation.

The insurer will independently offer the most convenient compensation option: repairs at the station or cash payment. Service station services are available to companies in large cities where they have official representative offices.