Quick links
- Features of tractor insurance
- Cost of MTPL for a tractor
- Documents for insurance for a tractor
- Insurance for a tractor at Autoplus
- Will sanctions be applied for lack of insurance on a tractor?
- Is it possible to avoid punishment for not having a compulsory insurance policy for a tractor?
- Insurance payments provided for by the MTPL policy for a tractor
- How to apply for an insurance policy for a tractor online
Registration of an MTPL policy for special equipment is a big problem for both individuals and legal entities. One of the problematic types of special equipment is the tractor. Read the article on how to apply for insurance for a tractor.
Registration of compulsory motor liability insurance for a tractor
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According to 40 Federal Law “On Compulsory Motor Liability Insurance”, every driver of any vehicle capable of reaching a speed of over 20 km/h is required to have a valid compulsory motor insurance policy that insures the driver’s liability to third parties.
In this article we will look at this type of insurance, such as MTPL for a tractor, how it is issued, what difficulties can await you, and how they can be avoided.
Features of tractor insurance
The tractor belongs to the category of special equipment, which differs in that drivers need a special category of driver’s license to operate it.
In addition to the category of rights, drivers are also issued a special certificate that also allows them to operate a tractor. Such a certificate is also called a tractor driver’s license.
In general, the obligations of persons who drive a type of transport such as a tractor are the same as those of drivers operating passenger cars. Thus, when wondering whether it is necessary to have an insurance policy for a tractor, you can immediately say that yes, this condition is necessary if you plan to use the tractor on the territory of the Russian Federation.
This condition is explained simply. The fact is that a tractor is exactly the same vehicle, which poses an increased danger, and the actions of the driver sitting behind its wheel can lead to damage to the property of third parties or cause damage to themselves.
Moreover, we can often find tractors on public roads, which means that they can potentially also become participants in road accidents. In addition, most special equipment goes on public roads from time to time, therefore, its driver can become the culprit of an accident.
To summarize why it is necessary to take out an insurance policy for a tractor, we have clearly listed the main reasons:
- The tractor moves on state roads;
- The tractor driver may cause harm to another.
Cost of MTPL for a tractor
If we talk about the cost of compulsory motor insurance for a tractor, then it is worth paying attention to the fact that the cost is calculated according to coefficients that have an individual meaning for each driver. The cost is affected by:
- insurance period;
- age and length of service of all those admitted to management;
- discount for accident-free driving.
You can calculate the cost of insurance for a tractor using the online calculator on our website. To do this you will need to enter the following data:
- brand;
- mileage;
- year of issue;
- minimum driver experience;
- approximate cost of transport;
Documents for insurance for a tractor
In order to issue an insurance policy for a tractor, you will need to provide the following package of documents to the insurance company:
- Identity document (passport);
- PTS;
- certificate of registration of equipment in Gostekhnadzor;
- copies of driver's licenses of all persons allowed to drive.
If you are a legal entity, a representative of your organization will need to provide a certificate of registration of the vehicle with the tax service.
Also, in order to issue an MTPL policy for a tractor, it will be necessary to have a valid diagnostic card indicating that the technical inspection has been completed, namely the technical serviceability of the tractor.
Insurance procedure: from A to Z
In Russia, according to Federal Law No. 40 “On Compulsory Motor Liability Insurance”, any vehicle capable of moving at a speed of 20 km/h or higher is subject to insurance. That is, only a tractor that, according to its technical characteristics, cannot reach a speed of more than 20 km/h and does not participate in road traffic on the territory of the Russian Federation will not be subject to compulsory insurance.
In addition, if the owner of special equipment wants to rent it out, especially to public utilities, then a compulsory insurance policy will certainly be required.
In order to insure a tractor for an individual under compulsory motor liability insurance, the following documents are required:
- technical certificate,
- vehicle owner's passport,
- copies of the driver's licenses of the persons who will drive it.
You will also need to fill out an application in the prescribed form.
List of documents for a legal entity:
- registration certificate for the tractor,
- OGRN,
- TIN,
- power of attorney if it is not the director of the company who will insure the special equipment.
https://www.youtube.com/watch?v=bqjJSTsiMoc
You will also need to write an application.
And if under compulsory motor liability insurance only the injured party receives compensation in the event of an accident, then the CASCO agreement can be drawn up in such a way that the person responsible for the accident also receives payment.
To insure an OSAGO tractor online, an individual needs a package of documents. It includes:
- technical passport of the tractor;
- passport of the owner of special equipment;
- copies of driver's licenses of those persons who will use the vehicle;
- a completed application in the prescribed form.
If you are a legal entity, the following will be added to the list of documents:
- main state registration number or OGRN;
- taxpayer number or TIN;
- power of attorney for insurance rights, if you are not a director of the company, but a tenant or lessee.
Previously, purchasing an MTPL policy required personal presence at the insurance company. Now the registration time has been significantly reduced and you can now draw up an agreement to purchase a policy via the Internet. To do this, you can choose an insurance website with the most favorable conditions, register and fill out an application.
Download a sample tractor insurance contract from the link: download tractor insurance contract
Insurance for a tractor at Autoplus
When you are faced with such a task as applying for an insurance policy for a tractor, this can often become a whole problem for you. Many insurance companies may force you to purchase additional services in addition to compulsory motor insurance. And if you refuse, they may simply refuse insurance.
This situation occurs because for insurance companies the tractor, like all other special equipment, is not a segment, which makes it unprofitable. Therefore, many insurance companies also resort to various kinds of tricks, sending tractor drivers for additional inspections in the distant Moscow region, which forces them to look for another company, etc.
According to the law, as we mentioned above, driving a tractor without a valid insurance policy is prohibited. And many companies, in turn, refuse to provide this service, citing the following arguments:
- lack of insurance forms;
- an inspection in the office is required, by appointment (usually there is a free place no earlier than in a month);
- The database for checking discounts or technical inspection does not work.
By contacting, you will forget about such problems once and for all. Our specialists will issue you an insurance policy for your tractor within one hour, regardless of any problems.
We cooperate with leading insurance companies and will be able to find you the best offer on the market.
If you are a legal entity, we will be able to provide all the necessary documents confirming the transaction. And if you insure a certain number of vehicles, we will also give you a nice discount.
At Autoplus you can issue both paper and electronic insurance policies for your tractor, which is convenient for everyone. For example, if you urgently need to insure a vehicle, it would be better to issue a paper policy, since it will take effect from 00:00 the next day, unlike an electronic one, which will be entered into a single database for up to 4 days.
We also draw your attention to the fact that the service of delivery of insurance policies for both tractors and other vehicles is available. If you are in another city, we will send you the policy via a convenient delivery service, and if you simply cannot come, but are in Moscow, we will send your insurance policy for the tractor by courier at any time convenient for you.
What to do if an insured event occurs
First you need to call a traffic police officer. To do this, call 02 or 112. While inspectors are on the way, vehicles cannot be moved or removed from the scene. They also do not touch elements or parts that were thrown out during an accident. It is optimal and reasonable to record everything that happens with a video camera or take pictures. It is recommended to ask for contact information from participants in the accident and witnesses, and ask whether they have considered the nuances.
Police officers arriving at the scene draw up a number of documents:
- Protocol on an administrative offense against the perpetrator. If the initiator is a foreign citizen, then the number of his “green card” is noted in the protocol.
- Appendix to the protocol. It shows transport damage in detail and clearly. Traffic police representatives inspect the equipment, recording only obvious damage.
- Scheme of the incident.
- Information about the accident.
The parties to the incident, especially those not guilty of the accident, are interested in a thorough and thorough inspection. The amount of insurance compensation and the period for receiving the amount depend on the recorded damage. Otherwise, the innocent party will have to resort to the help of experts who will draw up a document reflecting all the breakdowns.
If people were injured in an accident and suffered moderate or severe injuries, the following must be additionally compiled:
- a medical examination of drivers to see if someone was intoxicated while driving;
- certificate issued by the ambulance team.
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A copy of the protocol is given to both participants in the incident. If traffic police officers offer to independently assess the damage caused and indicate it in the protocol, it is recommended to refuse. The calculation of material compensation must be carried out by the insurance company.
All parties also fill out an incident notification form, which will be needed by the Investigative Committee. After the injured driver has collected all the documents, he must contact the company within 5 days.
Damage compensation procedure
If the current market value of the tractor is 500,00 rubles, then the amount of insurance payments should not exceed this figure. The actual price is formed from the final amount of experts based on the results of inspections and other financial securities. When drawing up the agreement, the terms of payment of funds will be taken into account. They are provided immediately or within a specified period.
In the event of an insured event, the required payments are provided as follows:
- in the amount of the insured amount without wear and tear of the vehicle, if the tractor cannot be repaired;
- in the amount of a strictly defined amount for the repair of the facility.
The amount of insurance compensation depends on the price of the tractor, the degree of wear, period of operation and year of manufacture. The amount ranges from 0.2 to 1.4% of the current price. Practice shows that for a tractor that is less than 8 years old, insurance amounts are paid immediately and in full.
Will sanctions be applied for lack of insurance on a tractor?
If you drive a tractor that does not have a valid MTPL policy or a document confirming its availability, the Code of Administrative Offenses provides for a unified fine system. So, for the lack of an insurance policy for a tractor in 2021, you will be fined 800 rubles.
The traffic police officer who discovered this offense may not issue the driver a fine on the spot. There are cases when traffic police officers limit themselves to a verbal warning. In this case, the choice of sanction depends entirely on the will of the traffic police inspector.
If the MTPL policy for a tractor is expired, then the law equates it to a missing MTPL policy at all, and accordingly provides for an administrative penalty in the form of a fine of 800 rubles.
The absence of a MTPL insurance policy for a tractor will not be a reason for correctional work or arrest, even in the situation if a traffic accident suddenly occurs. A fine can only be imposed by a judge after the initiation of an administrative case by the traffic police.
Responsibility for lack of insurance policy
If the owner plans to operate a tractor capable of reaching a speed of more than 20 km per hour without a mandatory insurance policy, then the law provides for penalties. The Code of Administrative Offenses states that for the absence of compulsory motor insurance the driver will be fined 800 rubles.
Moreover, a lot depends on the police officer. He has the right not to write out a protocol and limit himself to a verbal warning.
If the policy is expired, then according to the law it is considered that it does not exist at all. In this case, the amount of the fine is also 800 rubles. However, if insurance is available, but the driver does not have it with him, then the penalty is 500 rubles.
The number of fines is not limited. That is, if the driver was stopped and received a report, but continued driving without insurance, then he may be stopped at the next checkpoint. There, the police can issue a fine again for lack of insurance.
Ignoring the rules on compulsory motor liability insurance entails only administrative punishment. The police cannot arrest the driver or impose correctional labor if he is involved in an accident. The only thing is that the owner of the tractor will have to pay all the costs of compensation for damage to those injured in an accident.
Is it possible to avoid punishment for not having a compulsory insurance policy for a tractor?
There are situations when the driver did not have the opportunity to take the insurance policy with him for the tractor, for example, he simply forgot them. In such a situation, it is necessary to report this misunderstanding to the traffic police inspector, who in turn will do the following.
The traffic police inspector will check the presence of a valid MTPL policy in a unified interdepartmental database, but after that, if you do not have an electronic policy, you may also be issued a fine of 500 rubles. However, in 2021, you do not have to fear such a situation, because all data will definitely be in electronic form.
Road service employees should not stop vehicles to check for a valid MTPL policy.
If you made a stop at the request of a traffic police inspector, who, in turn, did not give a reason for the stop, then you have every right not to provide documents other than a driver’s license.
If you have violated any traffic rules, then the traffic police inspector can check all the documents.
Tractor: insure or let it take its course
In such a matter as insurance of special equipment, you should not have any doubts about the correctness of actions. It is absolutely necessary to insure your tractor. Or do you have special protection against hazards on the road or at work? According to statistics, more than 2% of accidents occur due to the fault of the tractor.
If you still have some doubts, remember the cost of the tractor. The price of this equipment is not cheap. Imagine how much it will cost you to repair your tractor. The costs of imported equipment with greater functionality will be especially deplorable. Remember the conditions under which agricultural machinery usually operates? Sultry heat, bitter cold, or other severe weather events should come to mind. It is because of them that breakdowns often occur.
In addition, if you plan to rent out the tractor, insurance is a mandatory measure. Without it, it is unacceptable to hand over special equipment to third parties.
Insurance of special equipment also has advantages in taxation. In part 2, ch. 25, art. 263 of the Tax Code of the Russian Federation states that the cost of the insurance policy will be added to the register of all company expenses and will be deducted from the amount of income.
- From accidental fire and combustion.
- From an explosion that disabled the equipment.
- From natural disasters: falling trees, floods and hurricanes, and in some cases from meteorites.
- From an accident.
- From hooligans and intruders who can steal the tractor or cause damage.
- From soil subsidence and subsequent breakdown of transport.
- From unforeseen incidents related to production, where equipment is damaged.
- From negligence towards the tractor by persons not working with it.
- From the negative impact of our younger brothers - animals.
- From falling planes, helicopters and other objects.
Insurance payments provided for by the MTPL policy for a tractor
The system of insurance payments under compulsory motor liability insurance in case of a traffic accident involving tractors and other vehicles is absolutely the same. The only condition: in the event of an insured event, the insurance policy for the tractor must be properly issued.
After this, third parties injured as a result of the accident submit an application to the insurance company, a calculation of the damage is carried out, after which the insurer pays an amount equal to the damage caused.
Regarding damage to a vehicle, the damage repair system is currently predominantly in effect. That is, the insurance company pays for repairs directly to accredited car service and repair stations, rather than paying money to the victims.
We think that it is not worth saying that this is not always the best solution for the injured party. And it is clear that insurers are trying to save money on this, as a result of which the injured party may also become a victim of poor-quality repairs and long deadlines.
Therefore, here it is worth noting that MTPL insurance policies for tractors are provided exclusively by leading insurance companies, which is a guarantee that in the event of an insured event, money for repairs will be reimbursed in full, and the repair itself will be carried out in accordance with all requirements.
Money is paid to the victim only if the insurance company cannot provide repairs to the car in accordance with the requirements of the law.
Why do you need an MTPL policy?
Socio-economic changes in our society have led to the appearance of many cars on the country's roads, the cost of which sometimes differs tenfold. The price of spare parts, as well as work to replace them, has also increased. In addition, medicines have become more expensive, and some medical services have become paid. As a result, many of those responsible for road accidents, who are responsible for compensating for the damage they caused, are simply unable to do so.
It was with the aim of solving this problem that compulsory MTPL insurance was introduced, that is, civil liability insurance for the driver of a vehicle to third parties for damage caused to him. Insurance only covers material damage caused to transport and harm to the health and life of persons injured in an accident. In most cases, the culprit of the accident does not receive anything under this insurance, but at the same time he is freed from the need to make payments from his own funds.
How to apply for an insurance policy for a tractor online
Many owners of cars, special equipment, and in particular tractors, are interested in the question of whether it is possible to issue an insurance policy for a tractor online and how to do it, because not everyone is still accustomed to the fact that everything can now be done via the Internet.
However, it is worth using online services at least once to become a real fan of this method of solving many issues. In addition, trips to the insurance company take a lot of time and effort, and also cost some money.
You can easily buy an electronic insurance policy for a tractor. First you need to find an insurance company that offers such a service, and in particular.
After this, we will provide you with access (personal account) to the online platform of one of the leading insurance companies, where you can fill out all the data and attach documents online, thereby independently issuing a compulsory insurance policy for the tractor. The MTPL policy, in turn, will be sent to your email. Everything is as simple as two! Just try it!
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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.
OSAGO in 2021
OSAGO is a type of insurance that concerns all car owners, therefore changes in the process of registration and calculation of insurance for a vehicle concern almost every citizen of our country. Read about changes in the field of auto insurance and compulsory motor liability insurance in particular in 2021 in the article.
Inspection in 2021
Changes are inevitable, if you want to know what will happen to car inspection in 2021, then read the article. The article provides comprehensive information about diagnostic cards and technical inspection in general. VET and OTO registers in 2021.
OSAGO for foreign citizens
Every day a huge number of foreign citizens from near and far abroad come to Russia. Naturally, foreigners may sometimes need a compulsory motor liability insurance policy in order to move around the territory of the Russian Federation by car. About how to apply for compulsory motor liability insurance for foreign citizens.
Electronic PTS in 2021
It's no secret that one of the main trends in our state is the transfer of all document flow to electronic form. This trend also affected vehicles. Electronic PTS will be introduced in 2021. About the pros and cons of a new type of documents.
OSAGO for old cars
If you are the owner of an old car, then you have already understood or will understand that getting compulsory motor liability insurance for it is not such an easy task and not all insurance companies undertake to insure such vehicles; read the article on how to insure an old car.
OSAGO-rural and village registration
Many people who come to large cities have a rural or rural residence permit (registration) and it is not at all easy for them to get an MTPL policy in the city, since insurance companies begin to put spokes in the wheels and do not issue the policy. What to do if you still need to take out a policy.
OSAGO with temporary registration
Often people who have a temporary registration wonder whether they will be able to get car insurance. Temporary registration itself does not limit the issuance of a policy, however, there are some nuances that you should know...
OSAGO with registration in the region
Recently, people who are registered in the regions of Russia are faced with the problem of applying for a car insurance policy in Moscow. Read the article about why this happens and how to apply for a policy with registration in the region.
OSAGO for Daewoo Matiz
One of the problems faced by owners of low-power cars such as Daewoo Matiz is obtaining an MTPL insurance policy. Read about why it is difficult to get insurance for a Matiz and how to do it in general.
