The law on compulsory motor third party liability insurance will come into force on February 7 this year. The state threatens those car owners who do not purchase a compulsory motor liability insurance policy with fines, but at the same time promises that there will be enough time to conclude a compulsory insurance contract.
Previously, we have already written answers to the most common questions of Kyrgyzstanis about what OSAGO is and why, in fact, it is needed. Today we decided to answer a new batch of questions. When preparing the material, we used data from the State Financial Supervision Authority, the insurance company Ayu Garant, as well as clarifications from the legal authority, which conducts online consultations on the issue of motor third party liability insurance on the Odnoklassniki social network.
How can I get insurance in case of an accident?
In general, the procedure will be as follows: the one who caused the accident must notify his insurance company about the accident within five days. Within another 10 days, insurers draw up a report, which includes an assessment of the damage, and then provide this report to the insured person. If a person agrees with the assessment, then the company pays the insurance within 30 days; if he does not agree, he can contact the insurance arbiter (this is a new position for Kyrgyzstan - something like an ombudsman for compulsory motor liability insurance - will appear simultaneously with the start of the law; contact information for the insurance arbiter each driver will receive at the time of concluding an agreement with the insurance company). If the applicant is not satisfied with the arbitrator’s decision, then he has the right to go to court.
What documents will I need to purchase MTPL?
To conclude a compulsory insurance contract, the policyholder submits the following documents to the insurer:
- application for concluding a compulsory insurance contract;
- passport, military ID or driver's license (if the policyholder is an individual);
- a copy of the certificate of state registration or re-registration of a legal entity (if the policyholder is a legal entity);
- a vehicle registration document issued by the body that registers the vehicle (vehicle registration certificate, technical passport or technical coupon or similar documents);
- a document confirming the right of ownership of a motor vehicle, in case of registration of the motor vehicle to another person (power of attorney with the right to alienate this motor vehicle).
Will the authorities increase the minimum cost of insurance?
Today it is preliminary known that the cost of an insurance policy for 1 year will range from 2 thousand to 4 thousand soms. When determining the amount, territorial coefficients, the owner’s driving experience, as well as the number of persons allowed to drive the vehicle will be taken into account.
The minimum cost of insurance may change in the future. The law itself does not stipulate anything like this, but officials do not rule out that after a certain number of years they will decide to increase the price.
Validity period of the MTPL policy
The minimum period for which you can issue a policy is from one to five days. Maximum - 12 months. This variation is due to the fact that insurance is mandatory for all drivers who intend to drive in Kyrgyzstan. Including compulsory motor liability insurance should be purchased by those who are transiting the republic (it is assumed that five days will be enough for them).
This variation is due to the fact that insurance is mandatory for all drivers who intend to drive in Kyrgyzstan. Including compulsory motor liability insurance should be purchased by those who are transiting the republic (it is assumed that five days will be enough for them).
Phone: (0312) 661-784
Insurance facts:
- third year on the Kyrgyz market;
- is the largest insurer in terms of authorized capital in the republic (authorized capital - 700 million soms);
- presence of representative offices in all regions of the country;
- qualified personnel.
According to the car insurance law, you can draw up a contract for:
- 1 year - for all vehicle owners;
- from 5 to 365 days - for cars that are registered in another country;
- 20 days - to transport the car to the place of registration or technical inspection.
OSAGO for 20 days is issued to those who have just bought a car or inherited it.
Two insurances per person. Does the MTPL paradox really exist?
Let us remind you that vehicle owners are indeed subject to compulsory civil liability insurance, and the MTPL policy is filled out for each vehicle separately. What's the point of this? In fact, there is nothing to discuss here: the obligation for civil liability insurance is defined by law and it clearly and unambiguously states that it is established for each car individually. According to lawyer Ruslan Osipov, there is no paradox here, since the law is not talking about abstract civil liability, but about specific liability in relation to the owner of the car as a source of increased danger.
And this, most likely, lies the main idea of why the law is written this way and not otherwise. Here we should recall the provisions of the Civil Code of Russia, which states the following (clause 1, Article 1079 of the Civil Code of the Russian Federation): legal entities and citizens whose activities involve an increased danger to others (use of vehicles) are obliged to compensate for damage caused by a source of increased danger, unless they prove that the harm arose due to force majeure or the intent of the victim. Thus, the obligation to compensate for harm falls on the citizen who is the owner of the source of increased danger - he must compensate for the harm during the use of the specific car through which the damage was caused. Auto liability insurance frees the citizen from the need to compensate for damage caused by a specific car within the established limits.
By the way, in 2012, the State Duma considered a bill providing for amendments to the Federal Law “On compulsory insurance of civil liability of vehicle owners.” Its authors intended to change the procedure for issuing a policy, tying it not to the car, but to the owner. According to the draft law, a person with a license had the opportunity to drive any car, having in hand only one document defining his responsibility to other road users. At the beginning of 2013, the Federation of Car Owners of Russia (FAR) supported possible amendments to the law, which ultimately was not adopted. It is unlikely that legislators will return to discuss this issue again.
In fact, our reader would not have received any benefits if the procedure for issuing an MTPL policy had been changed in accordance with his wishes. This also applies to saving personal funds. Even if there was only one policy, he would have to pay more - separately for each car in his possession. Rest assured: the regulator represented by the Bank of Russia and car insurers would do everything in their power to ensure that the amount of the insurance premium is calculated based on the tariff rates for each automobile.
In addition, having a separate policy for each car has a number of undeniable advantages. For example, now you have the opportunity to add other drivers to your policy - your wife, adult son, friends and acquaintances. If the policy were issued to a person, each person you would trust to drive a car would have to take out a policy for themselves. That is, you would actually have to buy insurance twice, three times, etc.
Do I need to insure my car if I don't use it and it's just sitting in the garage?
If the car is not used for some reason, you do not need to take out insurance for it.
You don’t have to pay anything until you get behind the wheel and drive on the roads of the Kyrgyz Republic. If you intend to operate someone else’s car while yours is idle in the garage, you still need insurance (see the next card). The law on compulsory insurance was designed to allow all adult members of an average family to use one vehicle. Therefore, one policy (for one car) can be issued to five people at the same time. If you include one more person, then you will have to pay for him. This is for individuals.
As for legal entities, for them the number of “users” of one car will be unlimited.
Yes, you must obtain insurance for every vehicle.
Consider this example: a family has two adult drivers and two cars; Each driver controls one or the other car alternately. In this case, two insurance policies are required per family, each of which will be issued to two persons.
If the car is not used for some reason, you do not need to take out insurance for it. You don’t have to pay anything until you get behind the wheel and drive on the roads of the Kyrgyz Republic.
If you intend to operate someone else’s car while yours is idle in the garage, you still need insurance (see the next card).
The law on compulsory insurance was designed to allow all adult members of an average family to use one vehicle.
This is for individuals.
As for legal entities, for them the number of “users” of one car will be unlimited.
Yes, you must obtain insurance for every vehicle.
To find out the exact price of minimum car insurance, use the calculator on our website.
If the duration of operation of the vehicle increases, the cost of insurance in terms of 1 month falls.
The cost of car insurance for 10-12 months is practically no different from an annual policy, so it is more profitable to take out insurance for a year.
There are no regulatory restrictions in this matter, experts recalled. A car owner is required to insure his motor third party liability, but can do this with any company on the market. Voluntary insurance is generally a personal matter for everyone. True, with one limitation: when it comes to purchasing a new car on credit, comprehensive insurance becomes mandatory.
“The legislation does not provide for prohibitions on concluding a comprehensive insurance agreement in the same insurance company where the compulsory motor liability insurance agreement was concluded, or in another. When choosing, you need to proceed from economic benefits, since it is the insurance company that sets the amount of the insurance premium when concluding a voluntary insurance contract,” notes leading lawyer of the European Legal Service Rail Gizyatov.
Let us emphasize right away: most experts agreed that for two types of insurance, it is better for motorists to choose the same company.
First of all, for the sake of saving time, because you can issue two policies at the same time, and the company meets such clients halfway and tries to minimize their participation in the preparation of documents. Often you only have to drop into the office for a couple of minutes to pay for and pick up both insurances, and in some cases the insurer himself can deliver the policies.
Secondly, for the sake of convenience. As senior legal adviser Daria Kashleva reminds, in the event of an accident, the car owner will have to call only one insurance company, and not different ones. And also - in all cases, the car will be repaired by one service center. In addition, if we are talking about a single company, it is easier to make changes to insurance policies and deal with claims settlement issues, notes Andrey Kovalev, deputy director of the underwriting and product management department of Soglasie Insurance Company.
Another important point is the reliability and availability of the service, which is verified by practice. “If you have been insuring yourself with a company for several years, it has a permanent office and the same employee registers you, do not change it for others, despite the promises and promises of other companies. It’s better to come to “your” office with these suggestions and try to talk about the possibility of applying them “on the spot.”
In addition, a number of companies try to provide financial benefits to the client with two insurances. Public figure, lawyer, economist Roman Kharlanov explains this by the direct interest of market participants: “None of the insurers make money on compulsory motor liability insurance, everyone makes money on comprehensive insurance, and therefore interesting price offers can be obtained more often when purchasing a package consisting of these two services.”
“Casco is one of the most expensive types of insurance, and insurers are very interested in a constant influx of clients. And accident-free. Therefore, some insurance companies, when calculating comprehensive insurance, offer a kind of “dynamic” discount for each accident-free year of compulsory motor liability insurance: say, for 1 year - 2%, for 2 years - 3%, etc.
So it turns out that a car owner who has been insured for several years under compulsory motor liability insurance with the same company and has not been in a single accident can receive a 10-15% discount on comprehensive insurance from the company. Moreover, most insurance companies offer small discounts for simultaneous compulsory motor liability insurance and comprehensive insurance, even for new clients,” says Alexander Loktaev, general director of the Pomosh insurance company.
But not everything is so simple.
“Is it worth taking out comprehensive insurance and compulsory motor liability insurance policies in one company? The main thing is that you should not trust those companies that do not want to insure one type of liability without another!” - warns lawyer Alexander Lipatnikov. He also talks about a possible discount when purchasing policies at the same time, but adds: the amount of the discount may be offset by the cost of the comprehensive insurance policy itself - it varies significantly between different companies.
And Deputy General Director Pavel Ozerov completely doubts the financial rationale for simultaneous insurance. “There are no signs of additional loyalty when combining two products for private clients, which cannot be said about legal entities, where the combination of products plays a role in determining the final cost of coverage,” he is sure.
In addition, other insurers can provide discounts, says representative Alexandra Obydenova. “Sometimes it pays to change companies when your car insurance expires. Many give former clients of competing companies a discount on car insurance of about 5%,” she says.
One MTPL policy for several cars: the project has been submitted to the State Duma
They offer to tie insurance to the driver
A bill has been submitted to the State Duma that introduces the possibility of purchasing a compulsory motor liability insurance policy not for a car, but for a specific driver. RIA Novosti writes about this.
The new type of insurance will allow citizens to drive any car that is in their possession and corresponds to the category that will be indicated in the policy. For example, MTPL for cars of category “B” will only allow you to drive this type of transport.
Also, personal insurance will give you the opportunity to drive other people’s cars without being included in the policy and without unlimited insurance. True, this will require a power of attorney or the presence of the owner.
The document was developed by LDPR deputies Yaroslav Nilov, Boris Paikin and Vladimir Sysoev, as well as State Duma Deputy Speaker Igor Lebedev.
A personal MTPL policy will also be good because it will not have to be changed when buying a new car. In addition, it should be a profitable solution for owners of multiple vehicles.
The idea of switching from car insurance to insurance for each driver was previously discussed in the Federation Council. The Central Bank, which oversees the activities of insurers, supported the innovations.
Osago for the haul at Autoplus
So, summing up our article, it’s worth saying a few words about the advantages of taking out this type of policy as compulsory motor insurance for driving in.
— cooperates with both individuals and legal entities. For everyone, the policy is issued equally quickly and without any problems;
— By contacting us, you will be able to issue an MTPL insurance policy for any type of vehicle, be it a truck, a motorcycle, a car, even special equipment, which most companies simply refuse to insure;
— Thanks to us, you will be able to apply for a compulsory motor insurance policy for driving remotely. If you are unable to come to the office in person, we will issue a policy for you remotely and deliver it by courier on the same day. And if you are in another region, we will send you the policy via delivery service.
- We will issue a transport policy even in the most difficult cases, in which all insurance companies have refused you, and we will do this within one hour.
And remember that driving a car without a compulsory insurance policy is equivalent to driving without insurance and is punishable by administrative penalties from the state in the amount of fines. And with repeated violations, you may simply be deprived of the ability to drive a vehicle, which in case of overtaking can become a catastrophic problem.
Two compulsory motor vehicle insurance for one car!
Duplicates found
you go to the insurance company and get one insurance back, but without 30% of the money paid
I issued 2 insurance policies for one car. What to do?
don't deny yourself anything
The fact of the matter is that I’m a beggar, and also not very smart.
First I issued an electronic one in Reso. Paid online. The policy was not sent. I called and they said payment would arrive within 3-30 days and we would send it again. I apply for it in Alpha, everything is fine there, they sent me the policy. I called Reso and they said we won’t return the money.
