Every motorist knows that once a year he is waiting for an extension of CTP insurance. Rosgosstrakh and all other insurance companies not only draw up policies, but also extend the periods of use of the car within the annual period of validity of the general liability insurance policy (CTP).
MTPL extension: deadlines
The validity of the insurance contract begins on the day after the day of conclusion. The action ends in one calendar year. Dates (beginning and end) are indicated on the written forms.
The car owner knows (or, at least, needs to know) when the MTPL agreement expires. It is imperative to extend CTP in time so as not to be fined by the traffic police (a fine of up to 800 rubles). To do this, you must come to the insurance company before the end (or on the day of the end, if possible) of the contract.
You can apply for a policy in advance (this is determined by law) for two months. Moreover, the effect of the new insurance (in case of prolongation of the previous policy) begins the day after the end of the old one; if, for example, the deadline ends March 31, then the start is April 1.
Preliminary insurance calculation
In any insurance company, it is possible to calculate compulsory motor third-party liability insurance only when providing data on the car (you need a brand, year of manufacture, power) and the rights of persons who will be allowed by the insurer to drive the car (last names, first names, middle names, license numbers, dates of receipt and dates of driving start )![], calculate the cTP](https://bizpro.htgetrid.com/static/img/a/28546/238165/27420.jpg)
The consultant enters these data into the program, which makes a request to the database of SAR (Russian Union of Auto Insurers). The answer from the database gives the right to assign the KBM (Bonus Malus Ratio). The maximum discount for the calculation is 50% (KBM - 0.5). From January 1, 2016, all insurance companies provided for the extension of CTP via the Internet. Sites of companies online offer to register, then fill in the required fields. You can calculate CTP via the Internet very quickly, and theoretically the final figure should be the same everywhere.
Who can insure a car?
In the CTP policy there are two points that the insurance company fills: the policyholder and the owner. Very often the policyholder is the car owner, but often the policyholder is another natural person. The policyholder may be a person who is related to the owner, but may also be a completely stranger. The car owner decides to whom he trusts the extension of the CTP policy for his car (in fact, to pay insurance).
It is important to understand that it is the policyholder during the validity of the CTP insurance contract (and only he) who is authorized to carry out actions under the contract, and not the owner. Only the policyholder can extend the period of use of the car, if the MTPL agreement was concluded for a period of less than a year, and enter into the policy of other drivers. In the event of the death of the policyholder, the owner will not be able to entrust the driving of the car to another person (not included in the policy) before entering the inheritance rights.
Actions of the insurance company at the conclusion of the contract
Registration of a new policy - this is the extension of CTP insurance. Rosgosstrakh (like all other insurance companies) will ask you to provide the previous CTP insurance policy to start work on the conclusion of the contract.
If the policyholder came with such a (previously concluded) policy, the company's consultant will quickly find all data on the car and owner by its number.If the previous policy was drawn up at another insurance company, the insurance employee must re-enter all the data on the car, on the owner and on the policyholder (if it is not the same person).
After entering all the necessary data (after the preliminary calculation described above), the program should once again go to the PCA website, get a KBM (bonus malus). After these procedures, the consultant writes out the documents that must be signed by the policyholder before receiving the policy - a statement from the policyholder on the model of the company, the second copy of the policy.
Documents signed by the policyholder give the company the right to issue the original OSAGO policy.
Policyholder actions at the conclusion of the contract
The policyholder is obliged to carefully review all the entered data - the history of car insurance and the drivers who drive it, that is, the correct (for all the following periods) extension of CTP insurance, depends. Rosgosstrakh always adhered only to these rules, which helped (and constantly helps) the company's regular customers to get the right discount.
Many car owners, who bought OSAGO insurance in little-known insurance companies in 2014-2015, lost the right to earn KBM (in terms of length of service and trouble-free driving period), which always met with sympathy from consultants of insurance companies working according to the rules.
After comparison with the documents (and only in this case), the policyholder puts his signature on the application and the second copy of the insurance policy.
Very often (this applies to people of advanced age), insurers and owners do not want to view and compare their data, motivating that entering the correct data is the work of a consultant and that they trust the company. As a result, a small discount or not at all.
Documents for the extension of CTP
According to the legislation of the Russian Federation, at the conclusion of the MTPL agreement, the policyholder and the car owner must confirm their right to conclude the contract. All insurance companies require civilian passports from the insured and the owner, or a certificate of registration of a car with a local traffic police or a vehicle passport is required for a car.
It is advisable for the car owner to undergo a technical inspection (MOT) in advance in order to have an unexpired Diagnostic Card (DK) on hand. According to the legislation, the insurance company does not have the right to require the car owner (policyholder) that the technical inspection be passed again if several days are left before the end of the validity of the recreation center. It is assumed that the car owner passes inspection regularly.
For information: all DC numbers are registered on the RSA website, therefore, in the event of an overdue MOT accident, if you are a victim, the insurance company has the full right not to pay compensation for compulsory motor third-party liability insurance.
Cost of CTP
In 2015, the cost of OSAGO policies changed twice. This was due to an increase in compensation payments in road accidents, for a car - up to 400 thousand rubles, health compensation - up to 500 thousand rubles.
The calculation of OSAGO cost is approximately as follows: the basic coefficient (4918 rubles, Rosgosstrakh, 2016) is multiplied by the increasing coefficient of residence of the car owner and multiplied by the bonus-malus coefficient (either a discount or an increase if there were an accident). This is the main calculation for those who are not the first year behind the wheel. For novice dummies (experience of less than 3 years), there is another increasing coefficient, insurance at the same time significantly increases.
Renewal of the MTPL agreement in all companies is the same. And if you are offered to insure cheaper than in Rosgosstrakh, this means only one thing - they want to deceive you, slip a linden policy.
Nuances to know about
Very often, when a son or daughter receives rights, parents draw up insurance "without restriction list of drivers ”, so that the cost of OSAGO is lower. Actually this is so. But there is one subtlety that many parents forget about.If their newcomer rides without any accidents all three years on the parent's car as a “registered" driver, for the fourth year he will already receive a 15% discount on PCA. By the way, every year (from the second) he will receive a five percent discount.
Knowing that in rural areas there are decreasing coefficients (except for the Moscow region), many car owners get a residence permit in the village (district cities). By decision of the Bank of Russia, only permanent registration makes it possible to obtain a reduction factor. Car owners need to remember this when issuing an MTPL insurance extension. Since November 2015, Rosgosstrakh has been fulfilling this requirement.
I would like to warn drivers who draw up two OSAGO insurance for the same car from different insurers, this is fraud.
