Making a policy is an event that every motorist has to deal with. But at the same time, agents of insurance institutions do not always act in good faith and honestly, often they hide information about how to save money by receiving fairly high-quality services. That is why it is very important to understand how driving experience for a policy is considered, because the price of drawing up an agreement directly depends on this.
Basic concepts
Determining the price of compulsory insurance is a process that always takes place strictly on an individual basis. It is in connection with this that there is no clear feature of its conduct in relation to the machine model, year of manufacture and engine size.
Sometimes motorists are faced with the fact that the cost that they are offered by insurers is prohibitive. This is due to the fact that they take into account the experience of operating a machine without an accident with a total number of years behind the wheel. Therefore, it is important to know all the nuances that the insurance company pays attention to before the length of the driving license is considered.
Age is considered an extremely important parameter, because all motorists have an individual driving style. Not everyone at eighteen drives worse than people over forty, although, according to insurers, experience still plays a big role, so you should not completely ignore this when making a deal. Insurance companies believe the skill is paramount when it comes to driving safety.
Correct calculations of driving experience are a very important process that must be carried out in accordance with existing rules. It is in this connection that it is necessary not only to rely on the age of motorists and the time of operation of the machine without an accident, but also on absolute compliance with the rules in force in the country. In this case, as part of the compulsory policy, you can save significantly.
For taxi drivers
This category of motorists must meet a number of requirements and criteria. And one of the key and most important among them is the presence of a certain experience, which allows a taxi driver to carry passengers. At the same time guaranteeing the safety of such transportations. Before obtaining permission for official work, the driver must work out a certain period of time behind the wheel and gain relevant experience. Without which, he simply cannot be employed in legal service. How is driving experience for taxi drivers considered? It is worth emphasizing that in this case also on the general rules.
At what point do they consider experience?
In fact, everything is quite simple. In the event that a person has received his first rights, then the start of the driving experience coincides with the moment of issuing the corresponding document. At the same time, the amount of time spent driving is not taken into account. If the rights are not the first, then it is worth considering the mark in which it is reported from which year the countdown begins. There is another way to find out at what point the driving experience is considered, confirming the exact date of the starting point. To do this, use a special card. If the phrase “art. time. issued ”and there is a number available, the last two digits and indicate the year of issue.
Driver's license. What can tell?
So, the experience in the driver’s license is indicated on the back in column No. 14.Directly on the first document in this place the information is not indicated, it is determined by the date the category was opened. In the case of a replacement of rights for various reasons, the experience of managing the tool is saved and displayed on new crusts in the same fourteenth column, and for each category.
The impact of seniority on compulsory insurance
Overall experience is a very important indicator. Which can not be ignored, if you need to soon issue a motor citizen. Many motorists are interested in the question of how driver experience for OSAGO is considered. In fact, the relationship between compulsory insurance and general driving experience consists of four key meanings:
- The maximum coefficient can reach a value of 1.8. It is used in relation to drivers whose age does not reach twenty-three years, and the duration of driving is not more than thirty-six months.
- A coefficient at the level of 1.7 is used in relation to citizens who received a certificate relatively recently, for example, less than three years ago. But they should be over twenty-three years old.
- A value of 1.6 is applied to drivers who are already twenty-two years old, and the total length of service exceeds three.
- An indicator of 1.0 is used for those drivers who are already over twenty-three years old, and their total experience exceeds three years.
Thus, for those people who have no experience, the cost of the policy almost doubles. It is in connection with this that this connection must be paid attention to, exactly, as well as the duration of operation of the vehicle without an accident.
What is the impact of loss of identity?
It is important to find out in advance how driving experience is considered if the license has been lost. Driving experience is the period determined by the data recorded in the certificate. This means that the loss of a document does not play any role whatsoever. The issuance of new rights to transport management does not imply the calculation of experience from the very beginning.
It begins with the first issuance of a driver’s license, therefore the loss and subsequent replacement of the crust does not in any way affect the cost of compulsory motor liability insurance. The coefficient of experience also does not change due to loss of rights. According to this, the absence of a document does not imply an increase in the price of a policy for motorists.
Innovations 2019
It is worth noting that, starting from January 9, 2019, the coefficient of experience and age already contains fifty-six categories. For some motorists, this does not mean anything. Therefore, we will understand how the driving experience is considered according to these innovations.
The driver’s experience is divided into eight levels, age is seven, and the size of the coefficient varies. Currently, the range now ranges from 0.96 to 1.87.
Since this year, new insurance rates have been introduced, and from now on, a rise in price will affect absolutely all motorists without exception, and not just beginners. On average, insurance can go up by twenty percent. The policy will be overpriced for almost all vehicles. The only exception is motorcycles with scooters, for owners of such vehicles it will be even cheaper. MTPL will be somewhat cheaper for legal entities that have taxis. That is, they use cars.
For example, the cost of insurance for a taxi driver is likely to vary from four to 7.5 thousand rubles. True, the rise in price will affect only the upper threshold, the lower one for all vehicles will likewise be lowered by twenty percent. The change plan provides for several stages over the time period from 2018 to 2020.
First, the coefficients of the FAC and MSC changed. Next, it is planned to create a private traffic structure for each car owner. At the third stage, a register of insurance agents can be created in order to ensure the overall transparency of the system.Most car owners are not too approving of the reform. Insurance is unreasonably expensive anyway, but in reality it is not possible to get a payment without a trial.
How can I find out my driving experience at an insurance company?
Sometimes insurance institutions use a MSC, which does not correspond to the actual one. In this situation, it becomes necessary to find out the operating time of the car without an accident directly in the institution.
Certain organizations in the policy indicate information about the class of a motorist in a special section. It can be used for special marks. In addition, information about the coefficient is often prescribed opposite to all citizens who are included in the crust.
In the event that the KBM is not indicated in the document, then it can be recognized by another method. You must have access to the Internet. All data can be obtained through a system called AIS CTP. Access to it is completely open to absolutely every person, without exception. In addition, this system is currently used by all agents, since there is information about all prisoner civil policies.
How does insurance without restrictions affect driving experience and trouble-free driving?
In cases where a large number of drivers can use the car, they often draw up a policy without restrictions. In this situation, there are peculiarities that relate to experience and trouble-free. The seniority on the coefficient is credited only to the owners of the machine. The accident-free time period of the vehicle owner in this case applies exclusively to one car. Thus, when acquiring a new car, KBM again becomes equal to 1.
If the subsequent agreement the automobile citizen will conclude with certain restrictions, but at the same time its owner will be one of the drivers, then his seniority, counted in the previous period, is also taken into account. As a result, the owner ratio is gradually becoming an indicator of the motorist.