MTPL Insurance Rules 2021

Law on compulsory motor liability insurance

The policy is mandatory for legal driving, just like a driver's license. The need to register compulsory motor liability insurance is enshrined in law in No. 40-FZ of April 25, 2002.

Before starting to use insurance, each driver is recommended to study the rules of compulsory motor liability insurance in detail. This will allow you to form an accurate idea of the features of using the document, the rights and obligations of the policy holder.

Open MTPL Rules 2021

OSAGO can be issued in paper or electronic form. The rights and guarantees provided by this type of insurance will not depend on the format, so every modern driver has the right to choose the option that is convenient for himself (with the exception of some situations, for example, with a new car).

What MTPL policy do you use?

Electronic e-OSAGO

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On paper

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Terms of the insurance contract

In 2021, amendments were made to the legislation regarding motor vehicle insurance on the basis of Federal Law of the Russian Federation No. 40 - “On compulsory civil liability insurance of vehicle owners.” In total, the editors have 6 chapters on MTPL.

When applying for a policy, you should remember the following conditions of MTPL insurance 2021:

insurance is issued for 1 year;

the contract can be issued both in paper and electronic versions, both policies are valid;
when drawing up a contract or amending it, the driver must indicate his personal data and the personal data of the car owner;
If at the time of registration of the MTPL policy the driver has not yet passed the state registration of the vehicle, then he skips the “State. registration plate”, and after registration, reports the received state registration number to the insurance company. number within 3 working days. The insurer, in turn, is obliged to enter the received data into the appropriate line of the automated compulsory insurance information system;
the car owner has the right to choose any insurance company specializing in this area;
the insurance company cannot refuse insurance to the car owner;
the policyholder is fully responsible for the information he provides to the insurer;
the insurance company does not have the right to demand original documents from the driver if the motorist is not the first time contacting this organization, except in cases where there is confirmation that the information on copies or electronic documents is not relevant at the moment;
When applying for insurance, in the absence of a diagnostic card, the insurance company has the right to conduct a technical inspection of the vehicle.

These are the main new conditions of MTPL insurance; more detailed changes can be found in the edition of “On the rules of compulsory insurance of civil liability of vehicle owners.”

IMPORTANT! If there are any errors in the insurance contract, then this document is considered invalid.

Differences between an electronic policy and a paper one

Such a policy is also referred to as e-MTPL. It provides opportunities and rights absolutely identical to a paper document, but has its own disadvantages and advantages.

Pros and cons of e-OSAGO

convenient registration without visiting the insurance office;

during such a conclusion of a contract, it is possible to avoid the imposition of additional services from company employees;

it is possible to purchase a policy from any organization, even when there is no representative office in the city;

It is not necessary to carry a paper version of the policy; it is enough to present it in digital format.

inability to register for a new car or for a novice driver (you can purchase e-MTPL only when the relevant data has already been entered into the RSA database previously);

the policy comes into force only 3 days after payment (the paper policy comes into force immediately after registration);

The driver bears full responsibility for the specified data and any typos during registration.

How and where can I apply for compulsory motor liability insurance online?

To do this, just go to the official website of the selected insurance company, register on it, fill out the necessary information and pay for insurance. If necessary, you can contact the insurance manager for help using the phone number listed on the website or via online chat. You can also request a call back. The form below will help you choose insurance and compare prices:

Traditionally, the general scheme for registering compulsory motor insurance online implies:

entering data about the driver and vehicle (vehicle) in a special form on the website;
waiting for the results of automatic verification of information using the RCA database;
payment for the policy after receiving verification confirmation;
receiving e-OSAGO by email.

If, during the verification of the specified data in the database of the Russian Union of Auto Insurers, discrepancies are identified, it is necessary to send scans of documents for re-checking by company employees manually.

It should also be noted that online purchase is not available for new vehicles or for novice drivers . After all, the RCA database will not yet have enough necessary confirmed information to conclude an agreement in this mode.

When purchasing electronic insurance, you should remember that its validity begins only after the third day from the date of issue. Therefore, it is important to plan the procedure in advance.

It is necessary to issue OSAGO not only for passenger cars, but also for other vehicles:

motorcycles;
trucks;
special equipment (for example, tractors);
public transport (buses, etc.);
cars of taxi or car sharing services.

Depending on the specifics of their use and the form of ownership, the procedure for obtaining a policy may have its own nuances.

Policy renewal

To extend the validity of a paper or electronic policy, it is enough to submit a corresponding application to the insurance company in a timely manner. It is better to clarify the application form with the manager in advance, but often it is selected in a format convenient for the client. That is, you can both apply for and renew OSAGO via the Internet.

It is important to do this in advance to avoid unforeseen situations. The law allows you to apply for an extension no earlier than 2 months before the expiration of the compulsory motor liability insurance policy.

What is and is not subject to compulsory insurance?

According to the OSAGO Insurance Rules, a vehicle (device) that is used to transport people, equipment or cargo is subject to compulsory insurance. Vehicles (VVs) also include semi-trailers, trailers and trailers that are not equipped with an engine. Vehicles, in accordance with the Law of the Russian Federation, are allowed in general road traffic.

In accordance with the current Rules, the following vehicles are not subject to compulsory insurance:

Vehicle design speed does not exceed 20 km/h;
Do not have access to general road traffic;
Belongs to the Armed Forces of the Russian Federation;
Insured in any other foreign professional association of insurers.

Documents for registration of compulsory motor liability insurance

The list of documents that will be needed to obtain compulsory motor third party liability insurance looks the same for paper or electronic versions. To conclude a contract you will need:

vehicle owner's passport;
passport of the technical means itself;
a certificate confirming its registration and ownership of it (for example, if a general power of attorney has been issued);
driver's licenses of all persons whose data must be included in the policy (if the policy is not of the Multidrive type);
diagnostic card with a mark on passing the technical inspection (for cars over three years old).

Technical inspection for OSAGO

Previously, when applying for insurance, undergoing maintenance was not a prerequisite. Today, without reflecting its results in the diagnostic card, it is impossible to obtain a policy; for the procedure it is important to prepare the following papers:

passport, driver's license or other document confirming the identity of the owner;
vehicle passport;
vehicle registration certificate.

The frequency of technical inspection for obtaining compulsory motor liability insurance is determined by the age and category of the vehicle. For a new car, the first inspection is allowed no earlier than three years from the date of manufacture. More details about the inspection procedure can be found in this article.

Benefits upon registration

Current legislation provides the opportunity to receive compensation in the amount of 50% of the cost of insurance for disabled people of groups 1, 2 or 3. Guardians of disabled children also have this opportunity. You can use this benefit when purchasing compulsory motor liability insurance if the following conditions are met:

transport is required by a disabled person for medical reasons;
According to the policy, no more than three persons (including a disabled person) can use a vehicle at the same time.

In practice, a citizen first purchases car insurance at full price. Then he applies to the local social security authority to receive compensation for half of its cost.

For pensioners, labor veterans, combatants or honorary residents of the city, MTPL benefits are not established by law. But local authorities have the right to appoint them independently. Therefore, such categories of citizens should contact the social security service and find out whether they are expected to receive any compensation.

What is the validity period of OSAGO?

The insurance rules for compulsory motor third party liability insurance contain a rule that determines that the period of operation of a compulsory motor third party liability insurance contract is considered to be 1 year. This agreement is concluded both with one owner of the vehicle and with a group of persons who are allowed by the car owner to drive a self-propelled vehicle.

Non-residents using personal vehicles in Russia that are registered in a foreign country receive a temporary MTPL policy (for a period of at least 5 days).

When purchasing a new car, the owner has the right to purchase a compulsory insurance policy, the duration of which must correspond to the full period of travel of the object to the place of permanent registration. The car owner has a free and versatile choice of insurance company.

What is included in the insurance case?

Compulsory motor third party liability insurance serves as protection against losses for all road users:

For the culprit of the accident. The policy covers expenses for damage to health or property caused to the other party.
For a victim of an accident. The presence of compulsory motor liability insurance at the culprit guarantees receipt of compensation for the restoration of the vehicle or for treatment.

When both parties are at fault in an accident, the document ensures mutual compensation for losses incurred. It is also necessary to take into account that not all situations can be regarded as corresponding to an insured event under compulsory motor liability insurance. Among the main conditions that do not allow you to count on compensation for losses:

driving a vehicle by a person whose details are not included in the contract;
the cause of the incident is man-made disasters, natural disasters, military actions or popular strikes;
compensation for moral damage or lost profits is required.

There is also a limit on the amount of compensation. The maximum payment under compulsory motor liability insurance is 400,000 rubles.

What is an insurance premium and who pays it?

An insurance premium is an insurance rate that is paid by the insured person to the insurer (insurance company). Insurance rates are set by the Government of the Russian Federation and are the same for everyone. If insurance rates change at the time the policy is valid, these changes do not affect the existing open motor vehicle insurance contract.

The insurance premium may be adjusted upward or downward if the terms of the policyholder's contract change.

The policyholder provides the insurer with personal information in a written application, on the basis of which the amount of the insurance premium is calculated. The insured person has the right to demand this calculation from the insurance company in writing. The insurer must provide this calculation within three working days from the date of receipt of the application from the policyholder.

Fine for lack of compulsory motor liability insurance

Punishment for the absence or violation of the rules for the use of compulsory motor insurance is established by law in Article 12.37 of the Code of Administrative Offences. According to its content, if the driver does not take out insurance at all, a fine of 800 rubles .

In cases where the owner does not comply with the conditions, a fine of 500 rubles . For example, if the driver forgot his paper insurance policy at home.

If the absence of compulsory motor liability insurance is discovered after the accident, the guilty party must pay all expenses independently. Moreover, during the inspection of the situation by traffic police officers, they also have the right to issue a fine for lack of insurance.

OSAGO for foreign cars

Car insurance is mandatory for all road users, including foreign citizens. They can arrange it in two ways:

Use an international policy – Green Card. You can purchase it in your country if it is part of the special Agreement of the insurance policy for the protection of civil liability of car owners. You can also buy a Green Card with a validity period of 15 days to a year at any customs terminal. For a short-term stay in the Russian Federation, this option will be the least troublesome.
Buy MTPL in Russia immediately upon arrival. Many insurers offer this opportunity specifically for foreign citizens. Also, some of them have representative offices abroad, where you can contact in advance and receive a Russian-style policy.

Coefficients for calculating motor liability insurance

The cost of a compulsory motor third party liability insurance policy is determined using special coefficients. The key indicator among other indicators is the bonus-malus ratio (BMR).

To quickly calculate the cost of a policy and compare the price of insurance offers from different companies, we suggest using the online compulsory motor liability insurance calculator.

It allows the company to assess the risk of an insured event for each specific driver. Based on the CBM, the insurance class (aka accident-free class) of the driver is determined.

The bonus-malus indicator will be least beneficial for beginners and drivers with poor statistics on participation in road accidents. In total, there are 15 classes in the KBM system. Follow the link for details about the bonus-malus coefficient (BMC) and its classes.

In addition to the KBM, a number of additional parameters are also taken into account when calculating the cost:

Basic tariff (BT). Current rate for different types of vehicles, regulated by the Central Bank of Russia.
Territory coefficient (CT). It differs depending on the region of primary use of the vehicle.
Age-experience coefficient (AEC). Reflects the driving experience and age of drivers.
Engine power factor (PM). Used for passenger cars only. The greater the engine power, the higher the indicator will be.
Seasonality coefficient (SC). Applies if the policy is not purchased for the whole year and you plan to drive the vehicle in certain months. For example, it is relevant for summer residents.

The insurer is prohibited from taking into account factors such as religion, nationality, race or position of citizens when determining the cost of compulsory motor liability insurance.

Samples of MTPL policies

The current version of the policy from July 2021 implies the use of two unique letter designations in the forms.

The indication “AAS” does not imply on the reverse side the possibility of concluding voluntary insurance.

1 page OSAGO AAC Click to enlarge

Page 2 OSAGO AAC Click to enlarge

Using “AAV” allows you to register on the reverse side the possibility of concluding voluntary insurance.

1 page OSAGO AAB click to enlarge

Page 2 OSAGO AAB click to enlarge

It is important to note that the issuance of policies with the previously introduced designations “NNN” and “RRR” by the Russian Union of Auto Insurers is permitted until July 1, 2021.

Below is a sample of filling out the policy and the opportunity to download a blank OSAGO form in Word format.

An example of filling out an MTPL policy Click to enlarge

Blank OSAGO form

1 file(s) 3.15 MB
Also below you can view and download in Word format a sample insurance claim for damages under compulsory motor liability insurance.

Sample insurance claim for damages under MTPL

1 file(s) 8.50 KB

What documents are needed

Vehicle owners do not have the right to drive without a compulsory civil liability insurance policy. The rules for issuing policies are written down in the updated version of Federal Law 40-FZ, which regulates base rates, tariffs, coefficients, insurance validity periods, features of compensation for losses upon the occurrence of an insured event, as well as requirements for insurers. Licensed organizations that have the right to issue insurance are members of the Russian Union of Auto Insurers and develop their requirements in accordance with current legislation.