You asked. Do I need to insure my scooter?

• August 7, 2018
• Insurance
• Natalya Tikhomirova

The MTPL policy is mandatory for all citizens of the Russian Federation who drive. This insurance policy comes into force if its owner causes an accident. Since the number of accidents is growing every year, every road user needs to be insured. This also applies to motorcycles, which are the same vehicles as cars. You can read more about where to apply for compulsory motor vehicle liability insurance for a motorcycle and what to do if your purchase is denied in this article.

OSAGO: is it necessary to take out a policy?

Many motorcyclists are wondering whether the MTPL policy is mandatory. According to Federal Law No. 40, all vehicles whose speed is more than 20 km/h must be insured. Before this law was passed, many people responsible for road accidents did not pay compensation to the injured party. To protect car owners, the government has decided to make it mandatory for everyone to insure their cars and motorcycles every year. If you have an issued compulsory motor liability insurance policy, then you do not have to fear large financial payments if you become the culprit of an accident.

How much does OSAGO compensate for a motorcycle? In the event that the damage was caused only to property, the maximum payment may be 400 thousand rubles. If the driver or passengers were injured, then compensation can reach 600 thousand rubles. These amounts do not always fully cover the costs of repairs or treatment, but significantly reduce payments in most cases.

If you have just purchased a new motorcycle and are going to register it, then you also cannot do without insurance. The MREO traffic police has strict rules according to which they will refuse you if the vehicle is not insured.

How much does MTPL cost for a motorcycle?

MTPL policy prices have decreased significantly compared to previous periods.
For comparison, purchasing such a policy will force the owner of a scooter to pay an amount half as much as the owner of a car. Why is this happening? Most often, accidents occur between scooters and cars. Since compulsory motor liability insurance serves to cover the damage caused to the injured party, the possibility of damage to the car by a scooter is much less. At the same time, according to statistics, motorists are more often the culprits.

The price for such a policy depends on the regional coefficient. And in some areas it is such that there has been a significant reduction in price.

The approximate price will fluctuate around two thousand rubles.

What criteria influence the cost of car insurance?

1. A short driving experience (less than two years) will increase the cost.
2. The driver's age, not exceeding twenty-two years, will also be a parameter leading to higher prices.
3. If the scooter participates in racing, the price increases.
4. A volume of more than 300 cubic meters will increase the price.
5. If there were cases of insurance in this company, bonuses are provided.
6. If insured events occur, the price increases.
7. The following leads to a decrease in the coefficient:

• history without insurance claims;
• timely payment of contributions;
• driving without accidents.

Photo 2. Sample calculator for calculating the regional cost of a policy.

All insurers' websites have a calculator that will allow you to pre-calculate the cost of your order. The basis will be the above data.

• For Moscow residents, insuring a motorcycle under OSAGO will cost from 1,734 to 5,685 rubles;
• For residents of the Moscow region it is slightly cheaper, the price will be from 1474 to 4832 rubles.

will depend on the insurance conditions you choose and taking into account your personal discounts.

With compulsory insurance, everything is relatively simple.

Having received a diagnostic technical inspection card, you can insure your motorcycle under MTPL at any company. Insurance companies are powerless against the law. The same cannot be said about voluntary insurance (CASCO).

If you want to insure your motorcycle with full CASCO insurance, then you should know some points so as not to be refused by the insurance company:

1. Install a security alarm on your vehicle. This will reduce the risk of theft, which will be a definite plus for the insurance company.
2. If you see that the agent is hesitant or inclined to refuse insurance, suggest that he increase the interest rate or use a deductible.

Both options, of course, will increase your insurance costs, but in the event of an insured event, the benefit for you will be obvious.

3. If you already have several insurance contracts (for a car, house, cottage, for you or family members) with some company, go to them. Most often, the company does not want to lose a regular customer and makes concessions.
4. Enter into an agreement with a service station to repair your motorcycle and keep it in a guarded parking lot, for which you also present the appropriate document. This can also play a role when you receive a CASCO insurance policy for a motorcycle.

Do you want to know how the deductible is applied in a CASCO insurance policy? Or read THIS article about the timing of inspection for various types of vehicles.

You can find out the exact amount by calling any company, where they will calculate the cost of MTPL insurance for a motorcycle, depending on the characteristics of the vehicle.

CASCO is much more expensive. Sometimes the figures reach half (or even more) of the cost of the motorcycle itself.

Cost calculation depends on:

• driver age;
• driving experience;
• the purpose of using the motorcycle (sports or personal use);
• whether the motorcycle was previously insured by this company or not;
• whether there have been any insured events before.

The above considerations may prompt scooter owners to think about the price of a compulsory motor liability insurance policy. How much would their liability insurance coverage cost today? An approximate calculation shows that car insurance for a moped for a resident of the capital who does not have extensive driving experience would cost an average of four thousand rubles.

At the same time, experienced drivers could count on a significant reduction in the final tariff; for them, the average cost of a “citizen car” is approximately two thousand rubles.

The cost of MTPL for a motorcycle has changed significantly compared to previous years. It is clear that a motor vehicle license for a motorcycle will cost almost 2 times less than for a car, if only because a motorcycle cannot cause serious damage. When a motorcycle and a car collide, the damage to the vehicle is usually very minor and not costly. Moreover, according to statistics, car owners are most often the culprits in accidents. Motorcycle thefts are also much more common.

Since April 2015, as part of the latest legislative changes, the lower threshold of the MTPL corridor for a motorcycle has decreased by 40%. The cost of motor vehicle insurance for motorcycles has been reduced even further in some regions, because compulsory motor vehicle liability insurance for motorcycles depends on regional coefficients. In some places the ratio decreased even by 41%.

Therefore, for the current year the basic MTPL rate for a motorcycle was from 867 rubles. up to 1579 rub. This is the so-called tariff corridor for motorcycle insurance in Moscow, St. Petersburg, Kazan, Yekaterinburg and other regions of the Russian Federation. Thus, the final cost of a motorcycle license is calculated based on the base tariff.

What exactly can affect the cost of motor insurance:

• if the driving experience is less than 2 years, an increasing factor is calculated;
• if the driver is under 22 years old, motor insurance will cost more;
• the policy will cost more if the motorcycle participates in competitions;
• the increasing coefficient is provided for engines with a volume of more than 300 cubic meters;
• the insurance history in this company is more favorable for pricing;
• the number of insured events increases the cost of insurance.

There are reduction factors that are also used by insurance companies. Of course, this is the client’s insurance history, a clean payment history and an accident-free driving record.

Almost every insurer has its own online calculators that will help calculate the preliminary cost of compulsory motor insurance for a motorcycle. Just as for driving a passenger car, the insurer is interested in the number of drivers allowed to drive a motorcycle, whether the vehicle will have a trailer, the period of use of the motorcycle, and the number of insured events.

The above considerations may prompt scooter owners to think about the price of a compulsory motor liability insurance policy. How much would their liability insurance coverage cost today? An approximate calculation shows that car insurance for a moped for a resident of the capital who does not have extensive driving experience would cost an average of four thousand rubles.

Fine for lack of compulsory motor liability insurance

You can ride a motorcycle without an MTPL policy, but only in certain places:

• On country roads.
• On your own site.
• At the driving school training ground.

If you are caught while riding a motorcycle without insurance, you will be issued a fine of 500 rubles. If the violation is repeated, the amount may increase. Although the cost of the fine is much lower than the price of the policy, you risk paying much more if you get into an accident. And given that a motorcycle is one of the most dangerous means of transportation, it will be easier to take out insurance and not worry about the possible consequences.

Legislative moment

Let us outline several points according to which motorcycle owners are required to purchase compulsory motor insurance even for this vehicle.

Let's list them:

You need to register for compulsory motor vehicle liability insurance for a motorcycle. This is confirmed by current laws and regulations governing traffic rules.

What is the cost formed from?

How much does it cost to issue MTPL for a motorcycle? Tariffs vary from company to company, but the average price ranges from 900 to 1800 rubles. Several factors influence the final cost:

• Vehicle power.
• Driver experience.
• Presence of an accident.
• Driver's age.

There are also reduction factors that can reduce the original bet. For example, for a driver with a “clean” history without accidents, who has been insured for more than one year, compulsory motor liability insurance will cost only 800-900 rubles. A novice motorcyclist will have to pay the maximum rate. The cost of insurance for motorcycles is much lower than for cars. At the same time, the amounts paid by insurance companies are no less. Moreover, motorcycle parts are often much more expensive.

If you don't want to pay for motorcycle insurance all year round, you can opt for seasonal insurance. After all, most motorcyclists ride only in the warm season, which means that insurance for 3-5 months will be quite enough.

Cost of MTPL for a motorcycle in 2018

When calculating the actual cost of MTPL insurance for a motorcycle, you should take as a basis the base rate, which after April 12 of last year ranges from 867 to 1,579 rubles and is subject to adjustment depending on the following factors:

• region and type of area, small city, metropolis, federal or territorial center, that is, the larger the settlement, the higher the increase;
• the length of service of the insured individual, which must be more than 2 years, otherwise the premium will increase;
• the age of the driver, who should not be less than 22 years old, if an increase in tariffs is undesirable;
• the number of subjects who will have the right to drive a motorcycle, the more there are (up to unlimited), the higher the payment of the insurance premium;
• accident-free driving and experience of previous insurance with a specific provider make the conditions more loyal and reduce the amount of payments.

This is exactly how the cost (price) of insurance for a MTPL motorcycle is formed.

For the current year, the tariff corridor of the MTPL policy for a motorcycle ranged from 867 to 1,579 rubles.

The exact cost of insurance is calculated based on the base rate, which is set by insurance organizations within these price limits.

Next, the tariff is multiplied by specific coefficients based on such components as:

• biker's age;
• driving experience;
• engine capacity;
• region.

Companies also use reduction factors, the main ones being:

• client's insurance history;
• clean payment history;
• trouble-free driving.

Almost every insurer has its own online calculators that will help you find out the preliminary cost of MTPL for a motorcycle.

Where is the best place to apply for compulsory motor liability insurance?

Insuring your motorcycle is a responsible step. It is very important to choose the right insurance company that has good reviews and ratings. The problem is that many companies try, by hook or by crook, not to issue compulsory motor liability insurance for two-wheeled vehicles, since in this case they lose more than they gain. And yet this can be done if you come to the office with knowledge of the laws and legal aspects. Which insurance companies are the most reliable? The following companies have the highest ratings:

• "Rosgosstrakh";
• "VTB Insurance";
• "SOGAZ";
• Ingosstrakh;
• Liberty Insurance;
• "RESO";
• "AlfaStrakhovanie"

There are two ways to apply for MTPL for a motorcycle: in person at the office or online. Not all companies issue electronic policies, so it’s better to go through the list of companies you like in advance and find out. Where to insure MTPL in Moscow? The most popular companies are:

• Tinkoff Insurance;
• "RESO - Guarantee";
• "Renaissance Insurance"

Ways to obtain insurance

According to new laws regarding the movement of vehicles, scooters with an engine capacity exceeding 50 cc must be insured. A light motorcycle, due to its technical parameters and functionality, is a vehicle of increased danger. Therefore, insurance is an essential condition for movement.

Such a policy primarily prevents financial risks associated with the scooter owner getting into a traffic accident. That is, it guarantees compensation for harm caused to the injured party if the owner of the moped is guilty. Payments under compulsory motor liability insurance compensate for the damage caused.

It should not be forgotten that insurance is a responsibility and not a right of the scooter driver. In its absence, the traffic police inspector imposes a fine. Considering the low cost of the policy, the best solution would be to obtain insurance at the right time.

At an insurance company

To register for compulsory motor liability insurance with an insurance company, you need to come to the insurer’s office with a package of the following documents:

• driver license;
• documents for the vehicle;
• diagnostic card confirming passing the technical inspection.

Next, a contract is concluded and payment is made. And now you have in your hands the treasured document - the MTPL policy.

Now your civil auto liability is insured, and you have the right to receive compensation from the insurer in the event of an insured risk.

And now a little about the sad thing: according to the law, you can draw up a contract for compulsory motor liability insurance at any insurance company. At the same time, not all insurers are happy to see motorcyclist clients.

This nonsense is explained by the frequent occurrence of accidents involving motor vehicles and, as a consequence, the high frequency of insurance payments.

For example, a compulsory motor liability insurance policy is unlikely to be issued for a motorcycle more than 10 years old.

Such restrictions force responsible bikers to look for an organization where they can easily insure a motorcycle under MTPL.

Modern leaders in motorcycle insurance are companies such as:

• "Alfa Insurance";
• "Rosgosstrakh";
• Tinkoff Insurance;
• "RESO - Guarantee";
• "Renaissance Insurance"

When choosing an insurer, focus on the company's reputation. Reputation is earned over years, and companies that have been operating in the insurance market for a long time still have less chance of going bankrupt.

Look at customer reviews, from which you can learn a lot about the integrity of employees and the order prevailing in the organization.

To apply for a compulsory motorcycle insurance policy, you need to go to the company’s official website and complete a simple registration form. After registration, you will receive an access code to your personal email, which you will need later when drawing up an agreement and will serve as an electronic signature.

After receiving the key, you need to return to the company’s website and fill out an application. Once all fields of the application are filled out correctly, you will need to confirm the accuracy of the information by entering the received secret code. Next, the data will be automatically processed and motorcycle insurance will be calculated and issued.

The list of documents required to purchase an electronic policy is no different from the documents required to conclude a contract at the office of an insurance company. You will need a passport, motorcycle document, driver's license, diagnostic card (if the vehicle is older than 3 years) and the received electronic key.

When taking out insurance for a motorcycle, Rosgosstrakh additionally offers to take out life insurance. This type of insurance is very relevant among motorcyclists, since they are susceptible to major injuries.

Procedure for obtaining a policy

The procedure for obtaining a policy is very simple and the same for different regions. In order to insure a motorcycle with MTPL, you must adhere to the following procedure:

1. Contact the insurance company office, provide the necessary documents and fill out the form.
2. Pay for the policy.

Applying for insurance online is a little different:

1. An application for an insurance policy must be completed online.
2. Attach a scan of the required documents to it.
3. Pay the cost of the policy.

The document is usually issued after some time: after the employee reviews your application and approves it. You can pick up the policy at the nearest branch, or by ordering courier delivery.

Required documents

What documents are needed to apply for compulsory motor vehicle liability insurance for a motorcycle?

• Russian Federation passport.
• Vehicle passport.
• Power of attorney (if the insurance is issued to another person).
• A valid inspection certificate, which confirms that your vehicle is in satisfactory technical condition.

If you want to issue a policy for several people at once, you will also need their documents. In some cases, taking out open insurance (which includes everyone who gets behind the wheel of your vehicle) costs even less than compulsory motor liability insurance issued for one person.

Rules for filling out the policy

When applying for compulsory motor vehicle liability insurance for a motorcycle, you need to adhere to some rules:

• Indicate valid documents.
• Carefully check the correctness of the specified documents.

A valid MTPL policy must include the following information:

• Vehicle model and registration number.
• FULL NAME. owner and his contact details.
• Insurer contacts.
• Insurance conditions.
• Duration of the policy.
• Valid driver's license.

You can check the authenticity of OSAGO after a day on the website of the Russian Union of Auto Insurers. There you can also find out where to get compulsory motor vehicle insurance in Moscow. Often people come across unscrupulous agents who issue insurance policies that do not actually exist. In order to avoid such people, contact the official offices of the companies or apply for policies online.

How to calculate online?

When calculating the cost of compulsory motor liability insurance, you can use any online calculator on the insurer’s page . Let's say we use the link to the RSA website - https://www.autoins.ru/osago/raschet-stoimosti-osago/kalkulyator/. In the OSAGO calculator category we follow the steps:

1. Owner of the vehicle (individual/legal entity).
2. Where we choose the type of vehicle - motorcycles.
3. Engine power.
4. Term of the MTPL contract.
5. Transport registration location.
6. Additional drivers.

TIP : The calculator will calculate the approximate cost of insurance and also indicate the down payment.

Occurrence of an insured event

An accident is a very unpleasant event, but no one is immune from it. The procedure for insurance payments for cars and motorcycles is no different, so if you are involved in an accident, you need to follow the same procedure:

1. Call an accident inspector who will document the damage. If the damage caused to property is less than 20-50 thousand rubles, and no one’s health was harmed, then a European protocol can be issued.
2. Next, the culprit of the accident is identified: either on the spot or through the court.
3. After this, the injured party has the right to contact the culprit’s insurance company to receive compensation. This can only be done within 5 days after the accident.
4. Then you need to wait for the company's decision. The maximum insurance payments in most companies are 400-500 thousand for significant damage to health or property.

Compulsory motorcycle insurance

Knowing that insurance organizations are not willing to insure motor vehicles, you can use the services of brokerage companies. However, there are also risks here:

• there is a possibility that the Bonus-Malus coefficient will be applicable exclusively to the “A” category of vehicles;
• They may offer to insure a motor vehicle not for a year, but for a shorter period of time (for example, 3 or 6 calendar months).

Having decided to apply for insurance electronically, a motorcyclist should be aware that the result, for various reasons, may also not suit the applicant. Therefore, the procedure for obtaining compulsory motor liability insurance must begin with the selection of the insurance companies you like. Then you will need to call them and find out whether they will insure a motorcycle with a given engine size for one calendar year. If representatives of the insurance company give you an affirmative answer, you can safely go to that company.

The procedure for registering a motorcycle with the traffic police requires mandatory compliance with 3 key stages:

1. Passing technical inspection.
2. Obtaining MTPL insurance.
3. Registration.

Keep in mind that passing a technical inspection and obtaining insurance are mandatory procedures, without which it is impossible to register your bike.

If the motorcycle was purchased at a dealership, its transportation for inspection is only possible using transportation or a tow truck. Otherwise, you will face penalties in the form of a fine.

Both options are a guarantee of financial compensation in the event of an insured event.

Since 2003, a law was passed in Russia according to which motorists must purchase a compulsory insurance policy. According to this law, a list of vehicles accepted for insurance was determined. Today, a motorcycle is included in the list of vehicles that are subject to insurance. It turns out that MTPL insurance for a motorcycle is necessary, and without it you cannot travel on the roads.

However, many insurance companies refuse to accept motorcycles for insurance. This refusal is explained by the fact that motorcycle insurance is an unprofitable form, and companies want to protect themselves from expenses.

The compulsory insurance law is the same for both cars and motorcycles. The maximum amount of payment upon the occurrence of an insured event is 400 thousand rubles for transport and 500 thousand for health. Motorcycle insurance and the insurance procedure are no different from car insurance. You will need to have your personal passport, vehicle documents, driver’s license and diagnostic card with you. If you are not the owner of the motorcycle, then for registration you will need to provide the owner’s passport (copy or original).

Where can you insure a motorcycle?

Despite the fact that insurance companies are required by law to insure everyone who contacts them, in practice clients face a completely different attitude. Company employees refuse, citing the fact that they have run out of forms or the system is not responding. What insurance companies insure motorcycles? You can find conflicting reviews on the Internet. And yet there is a small list of companies that are loyal to motorcyclists:

• Rosgosstrakh is a large insurance company that has many branches in Russian cities. In order to obtain compulsory motor vehicle liability insurance for a motorcycle, contact the main office.
• “Ingosstrakh” - despite the fact that this company’s voluntary insurance policy has a very high cost, this company without any hesitation issues compulsory motor insurance for motorcyclists. At the same time, employees do not impose additional ones - in this insurance company you can buy insurance online. You can pick up the policy at your nearest office.

Where can I insure a motorcycle with compulsory motor third party liability insurance in Moscow? If you are unable to insure your motorcycle despite your best efforts, you may have recourse to law enforcement.

OSAGO for new scooters

But owners of new scooters that have been in use for less than three years do not need a diagnostic card. They can even calculate the cost of the policy using the MTPL calculator, but again they will not be able to issue this document. By law, the vehicle owner is required to present the same documents when insuring as during a technical inspection. As already mentioned, the owner of a moped cannot have such documents, which means the insurance company will refuse to issue him compulsory motor third-party liability insurance.

It turns out that by law the owner of a motor scooter is obliged to buy an MTPL policy and must present this document at the request of a traffic police officer, but in practice the owner of a moped simply will not be able to fulfill this obligation.

A simple conclusion follows from this: since it is not possible to draw up a compulsory car insurance contract, then there is no basis for traffic police inspectors to impose penalties on the owner of the scooter. It is worth noting that the owner of a scooter can always challenge in court the actions of the traffic police officers who issued a fine for the lack of a compulsory motor liability insurance policy. Unfortunately, there is no reliable information about such judicial practice yet, but there is every reason to believe that the court will cancel such a fine.

What to do if they refuse to issue a policy for a motorcycle?

According to the law on compulsory motor liability insurance, if a client applies to purchase a policy with all the necessary documents, the insurer cannot refuse him. The “Consumer Rights Protection Law” also protects consumers, according to which the seller does not have the right to impose services or limit the buyer in his choice. In the event that they refuse to insure you, you can refer to these laws. If this does not work, then you will have to move on to more serious measures:

1. Go to court.
2. Write a complaint to the Russian Union of Auto Insurers.

If you are going to contact the prosecutor's office, then first you need to collect all the evidence that can confirm a violation of the law. Witness testimony, video, or a written refusal from the company may play a role. It is important to receive a refusal not in words, but on paper, since only such a response will serve as evidence of the company’s guilt.

Sometimes insurance companies issue compulsory motor liability insurance only if additional insurance is purchased. services. Most often they offer to insure life and health, less often - other property. If they do not agree to take out insurance without this, then you can draw up an agreement, and then write a statement refusing additional services. You can write it within 14 days, after which the company is obliged to return your money.

Do you need insurance for a moped or not?

Russian legislation stipulates that any vehicle capable of moving at a speed of 20 km/h or more must be insured, so mopeds, scooters, and ATVs are covered by the law. But there is one peculiarity here. The rules say that if such vehicles are driven in places where there are no other road users (through fields, forests), then no one has the right to demand insurance from the driver. Otherwise, it is easy to get a fine for driving without compulsory motor insurance.

When using a moped in the warm season, OSAGO is issued for this period (seasonal), for significant savings

You can insure against the following risks:

Complaints to RSA

Another lever of influence on the insurance company is a complaint to the Russian Union of Auto Insurers. This register includes all accredited companies that have the right to insure citizens in the Russian Federation. Refusal to issue a policy in the presence of appropriate documents is a serious violation for which the company faces fines.

Litigation with a company is a rather long process, and a positive outcome is not always guaranteed. Therefore, many prefer other measures. A complaint to the RSA in almost 100% of cases forces. You can submit your application in electronic or paper format. In order for your request to be considered, you must provide the following information in your complaint:

• FULL NAME.
• Insurance policy number.
• V/u number.
• Number and date of contacting the insurance company.
• Passport details.
• Subject of the complaint.
• All available evidence.

Anonymous complaints and those that are not in the prescribed form will not be considered. A pre-trial claim is an effective measure that helps you defend your case and obtain the insurance policy required by law.

Why do insurance companies often refuse to issue a motorcycle policy?

Some large companies do not provide auto insurance services at all or give completely unfounded refusals to issue compulsory motor vehicle insurance policies for motorcycles. Most often this is due to the lack of necessary forms, but there are other reasons. Only the following are legal:

• The motorcycle has a malfunction (engine, brake), which was revealed by a regular technical inspection.
• A person who does not have legal grounds for this (for example, a representative without a power of attorney) wants to carry out the registration.
• The applicant lacks documents for the vehicle.
• Refusal of a motorcyclist to provide equipment for inspection.

This is not an exhaustive list of reasons why compulsory motor vehicle liability insurance may not be issued for a motorcycle. Therefore, if this happens, and the owner considers the company’s actions to be unlawful, you can always contact the RSA with a complaint. It is important not to forget to provide evidence of violation of rights and justification for the illegality of the refusal.

A motorcycle is the same participant in road traffic as a car, so it is required to have an MTPL policy. “Avtograzhdanka” will help protect the owner on the road from unnecessary expenses and provide compensation to the injured party. But the procedure has its own characteristics and differences, which the driver of a two-wheeled “iron horse” must be aware of in order to avoid refusal to provide a document.

Expert advice

Many motorcyclists note that they are denied an insurance policy for their vehicle, despite the fact that this is prohibited by law. Where can I insure a motorcycle? This can be done at any company that issues voluntary insurance for vehicles. In a dispute with a company, only the most persistent clients win, who contact RSA and receive the necessary evidence of refusal. In order for things to move forward, be patient. It is better to contact the head office directly, rather than to numerous intermediaries who are an intermediate link between the insurance company and the client. In the office, try to take contacts of witnesses, if available. If the company flatly refuses to comply with the law, then you have the right to call the police because your civil rights are being violated.

The police will record the fact of the violation, and then all you have to do is make copies of these documents and submit them to the RSA. After this, the insurance company will probably meet you halfway and issue a motorcycle policy. Unfortunately, so far few companies agree to take out motorcycle insurance without warnings from the Russian Union of Motor Insurers. This leads to drivers giving up further attempts and, as a result, finding themselves uninsured.

How to register

Motorcycle insurance OSAGO (Rosgosstrakh offers for registration at any office) can be obtained without problems. You must have a complete package of documents with you. The first thing you need to do is fill out an application for insurance. It is necessary to indicate all passport data, vehicle data and personal information of the drivers who will use the motorcycle.

Only on the basis of a completed application will a representative of the insurance company calculate the premium and draw up a compulsory motor liability insurance agreement. However, it is necessary to take into account the fact that insurance for a motorcycle is issued only after it has been inspected. Therefore, before visiting the insurance company, the vehicle must be prepared and washed.

Those who do not want to personally visit the insurance company, wait in lines, or show the motorcycle for inspection can obtain an insurance contract via the Internet. Since July 1, 2015, online insurance for a MTPL motorcycle is available.

Rosgosstrakh also offers its clients to purchase a policy through the World Wide Web, without personally visiting the company’s office. This significantly saves time and allows you to resolve the insurance issue in a matter of minutes. How does the process of obtaining an electronic OSAGO form take place and how does it differ from a regular paper one?