The most important planned changes to OSAGO in 2018-2019

Recent changes to OSAGO

We are talking about amendments to No. 49 that came into force at the end of September 2021 regarding compensation for property losses through repair work. They apply to motorists who entered into contracts after April 28, 2021. And also about the procedure for filling out a European protocol in the event of a collision between 2 cars, without the mandatory involvement of traffic police inspectors. In addition, the new edition of the insurance rules provides for conditions for compensation for damage when several cars were involved in an accident, regardless of the date of conclusion of the MTPL agreement.

The changes, which come into force in 2021, are aimed at changing the format of compulsory motor liability insurance forms, which will have built-in QR codes. Their relevance is determined by the need to strengthen the degree of information protection for policyholders purchasing electronic MTPL policies via the Internet on the websites of insurance companies.

An important aspect of the changes in 2021 is the expected increase in the price of the MTPL policy and the introduction of a new format for calculating the CBM - the bonus-malus coefficient, which affects the cost of the insurance contract. The legislator, as it were, encourages motorists who have managed to avoid accidents throughout the entire year of operation of the vehicle, and gives them the right to take advantage of a discount when renewing the contract. And vice versa, assign an increased tariff for participation in an accident of a certain severity, by calculating the number and complexity of accidents committed while driving.

What other innovations will affect MTPL?

In July 2021, the Russian government proposed bill No. 501904-7, introducing a number of changes to the law “On Compulsory Motor Liability Insurance”. According to the draft law card, the State Duma Committee on the Financial Market supported the proposals and submitted the bill for consideration by deputies in the autumn session. The law was adopted in the first reading with a number of amendments that will prepare for the second reading. The bill makes the following changes:

Lifting the ban on reinsurance in compulsory motor liability insurance;
Equalization of the status of paper and electronic insurance policies;
Prohibition on filing recourse claims against a pedestrian who caused an accident and died or was injured, as well as against his relatives;
An obligation for all those entering the territory of the Russian Federation to provide customs officers with an auto insurance policy or contract or other insurance provided for by the provisions of international documents for inspection.

OSAGO for the new year 2021 has led to several discussions. The point that most raised the question among parliamentarians was the clause prohibiting recourse against the pedestrian at fault in an accident. Some deputies felt that this was a violation of citizens' rights. Thus, deputy Roshchin stated that “the norm contradicts the equality of civil rights guaranteed by the Constitution. For some reason, drivers are always more at fault than pedestrians.” Deputy Minister of Finance A. Moiseev agreed that everyone should be equal before the law, but Fr. Among other initiatives related to the “automobile” segment, the following were put forward:

Limiting the period for applying for compensation to 5 days;
Increased fines for not having a valid policy;
Introduction of an unlimited European protocol in 3 years;
Introduction of mandatory video recording of the conclusion of “automobile civil” contracts;
Cancellation of accounting for wear and tear of parts when paying compensation;
Introducing the obligation of the insurer to collect compensation through the court from the culprit of the accident without involving the insured;
RSA's obligation to compensate for losses if the person responsible for the accident does not have insurance;
Increase in the amount of the fine for unjustified refusal to sell compulsory motor insurance, etc.

At the end of September 2021, it became known that the Ministry of Finance had finalized a bill that would exclude several coefficients from the mechanism for calculating the cost of a policy. It was decided to eliminate the territorial coefficient in September 2021, and the engine power factor a little earlier - in September 2021. In order to prevent insurers from going even further into unprofitability than now, the Ministry of Finance proposed from September 2021 to allow companies to reduce or increase the base rate for compulsory motor liability insurance by 30%, and after canceling the second coefficient, change the rate by 40%. The cost of the policy during these manipulations should not exceed three times the base rate. If we consider another expansion of the base rate in both directions, which was proposed by the insurance market regulator, then, according to the Deputy Chairman of the Central Bank V. Chistyukhin, it should not be expected before the spring of 2021.

How will the price of an MTPL policy be determined under the new conditions in 2018?

Regarding the odds:

Age and length of service – KBC;
Regional registration – KT (for example, for Moscow registration KT = 2.0)
Number of drivers;
The duration of the MTPL agreement;
Owner of the vehicle: private owner or organization.

Regarding the positions of amount calculations;

Insurance company tariff - TB (from 3432 to 4118 rubles);
Coefficient for the territory where the insurance company is located – KT (for the capital – 2.0);
Driving level – KBM;
Driver's age and experience - KBC;
Number of permitted drivers – KO;
Vehicle service life – KC (up to 10 months KC = 0.5; more than 10 months KC = 1);
For violation of the conditions under compulsory motor liability insurance – KH (from 1 to 1.5)

Regarding the type of vehicle:

I class is assigned to:

Vehicles equipped with towbars;
Cars registered in another state;
Temporarily unregistered.

When determining the CBM class, the type of vehicle is not taken into account, but only payments under compulsory motor liability insurance made for insured events are taken into account

For drivers who have been driving a vehicle for less than one year, the calculation of the coefficient depends on the following indicators:

Have you been in any emergency situations before acquiring compulsory motor liability insurance (KBM is determined by the driver’s class);
If there were accidents, what was the amount of damage paid to them and how many payments were made by insurance companies;

Note! If compensation for damage has already taken place, then the amount of the CBM is determined taking into account payments under the MTPL policy made by the insurance company.

And also, if there is evidence that the policyholder entering into the MTPL contract has already purchased a motor vehicle insurance policy previously, then the initial class for the contract will be at the level of the previously valid policy. If such information is not available, then the KMB is assigned level: 3.

The Malus Bonus values are set by the insurance company based on the highest coefficient indicators. When adding new drivers to the MTPL contract, the coefficient must be recalculated. However, when recalculating, what is taken into account is not the time of change in the number of persons allowed to drive a car, but the time period of no more than 1 year before the conclusion of a new MTPL agreement.

How will the odds change?

It is planned to abandon the engine power coefficient and the territoriality coefficients. The calculation itself will become more complicated, especially if three-year policies are introduced. Violators will be forced to pay more for insurance. If the driver is caught violating traffic rules with deprivation of his license, then in the future the cost of compulsory motor liability insurance for him will rise.

The coefficient will change based on the age of the person who will drive the car and the driving experience. It is possible that the final price of MTPL under the amended rules will be influenced by the fact whether the car is used at night, as well as the driving style of the car owner.

Does this mean that the cost of MTPL will increase in 2021?

In accordance with the changes, increases and some discounts are provided for prices and base rates; they will affect the following groups of policyholders:

Drivers aged 22-24 years, with up to 6 years of driving experience in the amount of 50%;
Drivers aged 25-29 years with driving experience up to 6 years in the amount of 31%, up to 9 years - 22%;
Drivers aged 49 and over, driving a car for 14 years, decreased by - 34%.

It is important to note that the MTPL policy and rates are not tied to the owner, but to a specific vehicle. Therefore, if a careful motorist with extensive experience decides to transfer insurance to a colleague who has a history of accidents, then he loses his discount.

Starting from January 2021, the average value of the coefficient for vehicle fleets of organizations will increase, which will affect the total cost of compulsory motor liability insurance for legal entities upward. This decision was made based on the assumption that the more vehicles the owner has, the higher the risk of accidents.

Conditions for registration of compulsory motor liability insurance in 2021

What package of documents will be required for concluding an agreement for citizens of the Russian Federation:

Completed insurance application form;
Diagnostic maintenance card (issued by the auto diagnostic center);
Registration data (technical passport, cars without registration).
Driver's license;
Identity card of the policyholder and the owner of the vehicle, if this is not the same person.

What package of documents must organizations provide:

Fill out a company insurance application form;
Maintenance card;
Technical passport/registration certificate;
Power of attorney for insurance issued by the company management to the responsible employee;
Confirmation of company registration;
Sample of a company seal.

For more information about the necessary documents for issuing a compulsory motorist liability insurance policy, read our article.

What documents does the policyholder receive after purchasing an MTPL policy in 2021:

OSAGO policy form;
Terms of the current contract;
Insured's memo;
Receipt for payment of the contract;

What liability is provided for the owner of an uninsured vehicle in 2021?

According to the changes made to the legislative act, in the coming year, penalties for driving a car without a compulsory motor liability insurance policy will be more stringent. In general consideration, their sum will be presented in the following ratio:

For those offenses where previously a fine of 800 rubles was provided. you will have to pay - 8 thousand rubles.
For offenses for which a fine of 500 rubles was imposed, the amount of payments will be 5 thousand. rub.

The legislator expects that this approach will provide more order and discipline in the field of compulsory insurance and put an end to the issue of false contracts and copies. Therefore, the authenticity of insurance policies and their availability will be confirmed using video cameras.

As before, motorists who fail to renew their contract on time are subject to penalties. The amount of fines for persons not included in insurance but driving a vehicle remains at the same level. Note that their liability does not depend on whether the owner is in the salon or not.

Please note that the 50% discount bonus remains in 2021, subject to prompt payment of the fine within 20 days.

Algorithm for filling out the form

Along with the policy, the car owner is given a form that is filled out by the parties in the event of an accident. Insurers recommend keeping it in the vehicle along with your insurance. The document is drawn up one for two:

Use a ballpoint pen to write down information on the central side of the form. The original remains with the injured party, the copy with the guilty party;
in column 14, list in detail the damage caused to the vehicle;
in column 17 indicate the position of the vehicle at the time of the accident, there is no need to measure the footage;
if the parties have no mutual claims, in column 15 the culprit records that the accident occurred through his fault;
the document is transferred to the insurer of the victim;
the guilty party addresses a copy of the form to the policyholder within five days, otherwise the insurance company may file a recourse claim against him for damages. The insurance company has the right to demand that the damaged vehicle be provided for inspection.

Electronic insurance under compulsory motor liability insurance - advantages and difficulties

Electronic policy continues to gain momentum in popularity. An agreement concluded online on the website is legally identical to the obligations signed at the office of the insurance company. From the changes coming into force in 2021, it is clear that the legislator is trying to encourage the desire to insure cars via the Internet.

How to buy an MTPL policy on the website - step-by-step algorithm

Please keep in mind that payment for electronic insurance is carried out by bank card.

Register on the website of your insurance company, providing the resource with your mobile phone number and e-mail, where, after completing the online registration procedure, the compulsory motor liability insurance policy will be sent to you.
Log in to your personal account and request a contract form.
In the field of the form that appears in the window, enter information about the vehicle: its make, model. The rest of the information about power, body type, etc. will be filled in by the system itself; you can only correct inappropriate indicators.
In a new window, another form will be offered, in the field of which you will need to enter information about the applicant and drivers (including driver’s license numbers) of the persons driving the car.
Information entered into the system is immediately transferred to RSA resources, where their compliance must be confirmed. The waiting time for verification results usually takes no more than 10 minutes, however, in cases where scans of documents are poorly visible or data about a novice motorist is not yet available in a single database, an insurance company specialist working online has to enter them manually, increasing the time processing.
If the document verification is successful, the amount of the contract value and a proposal to proceed to payment will appear in the monitor window.
Use a bank card to pay for the service and wait for the moment when the operator offers you an email to download the MTPL policy you purchased online. Print the document on any printer and attach a paper print to the driver's kit so that you can present it to the requesting party, if necessary, as legal proof of your insurance coverage.

Don’t worry about the fact that your policy may be considered invalid; legally it is fully compliant, and its authenticity can be easily verified using the RSA database, which is what the inspector will do when checking your documents.

In addition, the popularity of special MTPL aggregator sites is growing, where you can calculate the cost of insurance for all insurance companies at once.

Insurance payments will increase, maintenance will become more expensive

Changes in legislation guarantee not only an increase in insurance prices, but also raise the level of material protection. If previously a motorist did not have to count on compensation for damage of more than 160 thousand rubles, then from 2021 the maximum can be 1.5 million rubles, and the average amount of compensation is determined by the figure of 400 thousand rubles.

The policyholder is given the right to choose - money or repairs:

The repair period cannot exceed 30 days.
Services that repair cars damaged in road accidents work on contractual terms with insurers.
The assessment of cars subject to repair is carried out by insurance company experts according to the established methodology.
It is prohibited to restore equipment with used parts.

Issues are resolved in favor of the policyholder when additional payment for repairs is required,

The changes strictly regulate the timing of cash insurance payments: no more than 20 days from the date of contacting the insurance company. In an effort to reduce the number of lawsuits, the legislator established penalties for policyholders who did not promptly provide the necessary documents in the case at 1% of the amount of the insurance payment, and for an insurance company that delays payment terms - 0.5%.

The cost of technical inspection will increase

A valid vehicle inspection card confirming the condition of the car is required to enter into a motor vehicle liability agreement. In the new year, the requirements and level of responsibility for services providing this type of service will be increased. The work will be carried out using control cameras. Based on the new requirements, the cost of maintenance will also increase, which before the changes was determined by the average price of 800 - 1500 rubles.

Exceptions apply only to pensioners. They carry out technical inspections of cars over 3 years old for free.

In what order should actions be taken in the event of an accident according to the amended rules?

In the event of an accident, participants are required to act as follows:

Call medical help if there are victims;
Give a message to the traffic police;
Notify the insurance company about the situation, requesting instructions on further actions.

to solve the problem of an accident without involving a traffic police inspector
if:

No persons were injured;
The participants in the accident agreed on the degree of culpability in the incident;
The parties have no desire to record the situation.

You can draw up a European accident report if:

Only 2 cars were involved in the incident;
Both parties have valid insurance;
There is no dispute between them;
There were no fatalities, no property damage to third parties.

How to fill out the European protocol?

Data is entered with a ballpoint pen.
Each of the participants in the accident personally enters information into the appropriate columns on the front and back of the form and separates it.
Everyone signs on the front side of the document twice.
If one party decides to make additions to the text, the other is obliged to write its attitude (objection or agreement).

The signed parts of the form are handed over to the insurance company no later than 5 days. Read more about what to do in case of an accident in 2021 in our article.

Will insurance become more expensive if there are traffic violations or fines?

No. At least not in 2021. This amendment, by the way, was also proposed as part of the MTPL reform, but it was not destined to come true.

The reason here is simple, and it has a lot in common with the cancellation of the accident certificate last year - the traffic police simply did not give the go-ahead to provide the database of violators to insurance companies. The argument was a reference to the Federal Law “On the Police”, and without specifying a specific article or paragraph. But if you try to search yourself, you will not find a word in the law about prohibiting interaction with third-party organizations or violating the rights of a citizen by transferring information to them. However, the disagreement of the traffic police only plays into the hands of ordinary motorists, because many have fines.

The initiative was based on completely good intentions - if a driver often violates traffic rules, which is reflected in the fact that he has fines, then this means that he is also more likely to get into an accident and become the culprit. And you must agree that this is quite logical! Especially if, to increase the cost of the policy, not all violations of the Rules were taken into account, but only certain ones, for example, such as dangerous driving, repeated speeding, violations of intersections or intentional violations. And such things as driving beyond the stop line, excessive tinting or installing prohibited types of lamps in the headlights - things that do not have a direct impact on the possibility of an accident - were not taken into account.

Something else useful for you:

What changes are being made to compulsory motor liability insurance from April 1, 2021? Will insurance become more expensive?
Increasing the fine for driving without compulsory motor liability insurance to 5,000 rubles from January 1, 2021 - true or false?
The danger of the European protocol - what if the culprit did not provide notice within 5 days?

How is the insurance rating of companies determined starting from 2021?

The Central Bank of the Russian Federation annually carries out a comparative assessment of the work of the insurance company, taking into account:

Achievements in activities;
Reporting analytics;
Rating according to public opinion.

Public opinion is determined by the following indicators:

Level of service when concluding contracts;
Analysis of insurance payments;
Loyalty to policyholders.

Let us remind you! When choosing an insurance company, check whether its data is included in the RSA.

Final conclusions: the changes in 2021 have positive aspects that are important for both parties involved in compulsory insurance. These are forms with a security code, an increase in the price of compulsory motor liability insurance policies with the introduction of proportionate compensation. All of them are aimed at reducing the severity of the issue.