What to do with "autocitizen", if you are going to drive not all year round, but only during a certain period? The rules allow you to buy insurance for a shorter period at a lower price. But not everything is so simple: car owners need to take into account some restrictions and nuances.
Terms of OSAGO
Let's get to the bottom of the definitions right away. According to the rules of OSAGO, there is the concept of "insurance term", and there is the concept of "period of use". The term of insurance for OSAGO is always 1 year. But the period of use is from 3 to 12 months.
How it works? You only drive during the warm season, from April to September. It makes no sense for you to buy insurance that will be valid all year round - why if the car is parked in the garage or in the parking lot in winter?
On March 15, you come to the insurance company and ask to sell the MTPL policy for six months. The insurance employee fills out the policy form and invites you to take a look - is everything correct?
- you see that in the upper right corner it says: "The term of the contract is from 03/15/2016 to 03/14/2017";
- and below, in the next column, it is indicated: “the insurance applies to insured events that occurred during the period of using the vehicle during the insurance period from 01.04.2016 to 30.09.2016 ".
That is, the insurance contract is concluded for a year, but it will be valid only during the period of time specified by you. In the given example, this is OSAGO for six months - from the beginning of April to the end of September without interruption.
OSAGO: minimum insurance period
The minimum period for using OSAGO is 3 months. Unfortunately, you won't be able to buy OSAGO for a month or for a shorter period. An exception is made only for vehicles registered abroad and those vehicles that are in transit.
- for foreigners, the term of use is from 5 to 15 days;
- for "transit" - exactly 20 days.
All other car owners can buy a policy for 3, 4, 5 or more months. For example, summer residents often buy insurance for 4-6 months (for spring-summer). Car owners who are going to sell a car soon - for 3 months. A policy up to six months is usually chosen by motorists going on a long business trip, on a watch, etc.
The cost of the minimum OSAGO insurance
Do not expect that a 3-month policy can be bought for a quarter of the annual price. It is more profitable for insurance companies to sell "full-weight" certificates, therefore, increasing coefficients are applied to policies for a shorter period. The cost table looks like this:
As you can see, the cost of OSAGO for 3 months will be exactly half of the cost regular policy... Quite expensive, but still profitable for "seasoners".
The question naturally arises: if you need to extend the insurance, then what, for the time remaining until the full year, you will also have to overpay? If you decide to sell the car, bought a policy for 3 months, but the deal did not take place - calmly go to the insurance company and renew it for the remaining 9 months at the same price. The insurer has no right to refuse to renew and force to issue new policy OSAGO.
Example: a motorist bought OSAGO for 6 months in order to travel to the country in spring and summer. At the same time, he paid 70% of the cost of the annual insurance. However, it soon became clear that the car would also be needed in winter. Let's say the place of work has changed, and you need to get to a new one across the whole city. Or it was required to regularly take the child to a remote The educational center... Then the car owner can come to the UK office again and demand an extension of the period of use for another 6 months, but he will pay 30% for this.
Terms of OSAGO: nuances and tricks
Is it possible to "split" the period of use into several? For example, ride from April to June and from December to January.
No problem. A typical policy provides several fields for specifying periods of use. The main thing is that the total number of months used is at least three.
If you can extend the period of use without extra charges, then nothing prevents you from paying the policy "in installments" - bought for 3 months, extended for six months, then for another 3 months?
Yes, this is a kind of "life hack". It can be used if it is not possible to pay for the insurance right away (OSAGO has risen in price, and driving without a policy is not an option), you will have to spend time on this, and besides, there is a risk of forgetting about the end of the next period. In this case, you will have to buy a new policy, at the same time resetting the KBM ().
What is the penalty if the motorist has entered into a contract for summer period, but does he drive in winter?
The traffic inspector can write out in the amount of 500 rubles. He is not entitled to "punish" a motorist for 800 rubles for lack of insurance - the driver has a policy, only the period of use has been violated. By the way, the fine can be halved if you pay it within the first 20 days.
What happens if the driver becomes the culprit of an accident during the period not provided for by the contract?
No good - the insurance company will refuse to pay compensation to the victim. And he will be absolutely right.
Is it possible to issue a policy with a limited period of use via the Internet, without a personal visit to the UK?
Yes, use the special form on the official website of the insurer for this. There you can specify the seasonality, that is, the same period of use.
MTPL is necessary after an accident, to compensate for damage caused to the owner's car and other participants in the accident. When talking about the minimum insurance period, the vehicle category must be taken into account.
Car owners who have thus insured their civil liability can no longer worry about the issue of compensation to the injured party. In the presence of an OSAGO policy, compensation falls on the shoulders of the selected insurance organization.
Minimum term of OSAGO
The minimum period of OSAGO insurance depends on the vehicle category... Each category has its own minimum terms for car insurance.
It is customary to distinguish three main categories of vehicles:
- Cars that were registered in another state, and then entered the territory of the Russian Federation.
- Transit vehicles.
- And vehicles that are in constant operation on the territory of our country.
| Insurance period in months (total for a year) | Term coefficient, calculated at the cost of the annual insurance |
| 3 | 0,5 |
| 4 | 0,6 |
| 5 | 0,65 |
| 6 | 0,7 |
| 7 | 0,8 |
| 8 | 0,9 |
| 9 | 0,95 |
Thus, the minimum period of OSAGO insurance is 3 months.... The shorter this period, the cheaper the OSAGO will cost for the vehicle owner.
The benefits of purchasing an OSAGO policy immediately for 12 months are obvious... Despite the apparent advantage of re-issuing once every three months, in the end such actions will cost the car owner a little more. The cost of insurance issued for a year will correspond to the figure set in the policy at the time of purchase. And it will remain unchanged even if insurance prices rise.
If there is a need to take out insurance for a short period, then it is better to inquire about the cost of the annual policy. In any case, for car owners there is a possibility of additional payment if it is necessary to extend the OSAGO period, even if it was originally issued for only three months.
The insurance period is divided into parts, which means that when registering compulsory motor third party liability insurance, it is also possible to distribute according to these criteria immediately for a year in advance. At the time of payment, the total number of months for the current calendar year will be taken into account.
Period of validity of OSAGO
Those who own a vehicle registered in another country, but temporarily staying in the territory of the Russian Federation (provided that this period does not exceed 2 weeks), acquire insurance for a period of 5 to 15 days.
Transit vehicles moving to places of permanent use and vehicles moving along the route to PIK are insured for a period of 20 days. At the end of this period, the owner who refused to issue a permanent policy is forced to leave the territory of the country.
All other vehicles in permanent use on the territory of the Russian Federation conclude a contract for 1 year. Important: the insurance year is not equal to the calendar year in all cases. All information provided above is valid only for those owners whose vehicle is regularly used. If the car is in use for less than 1 year, then the policy is issued for a shorter period, in accordance with the current regulations. The final insurance price will be reduced to a commensurate amount.
Method of calculating insurance for a shorter period
Regardless of the fact that the insurance company may insist on purchasing a policy immediately for a year, the car owner can issue it for a shorter period. But if you count all the costs, then the registration of a citizen in a shorter period will cost significantly more. For example, for insurance for 3 months, you will have to pay 50% of the cost of the insurance year, for six months - 70%, 10-11 months - it costs the same as for the CTP for a year.
How to extend the period of use
The cost of the annual policy registration is constant. Usually, car owners conclude a contract for a year, and if the vehicle is going to sell in the near future, they choose insurance with a minimum validity period. This saves money for the owner, but the sale can be postponed in time, and then the insurance must be extended. For the 9 months that remain from the policy year, you need to pay half of full price, that is, this is the same amount as for the first 3 months. It turns out that the first six months will cost 0.7 of the annual insurance, and the next - 0.3 of the annual OSAGO.
How to save on the CTP policy
Unfortunately, the rules of motor vehicle insurance do not provide for the possibility of purchasing a policy on an installment plan. But car owners often pay for the cost of insurance in several stages. This is done this way: the initial payment is made for 3 months, and it is equal to 0.5 of the price of the annual OSAGO, then it is extended for another 3 months, paying 0.2 from the year, and after that they pay extra for the remaining six months - 0.3 of the total amount ...
The period must be extended in advance! If this is not done, then the owner of the vehicle will be obliged to pay a fine with an increase in the term coefficient.
Penalties
If a traffic police officer detained a driver while driving a vehicle within a period not stipulated by the policy, then fine of 500 rubles... If there is no contract at all, then the penalty increases already up to 800 rubles... When an accident occurs in the non-insurance period, the insurance company will pay the injured party part of the loss, but then the person without OSAGO will be presented with claims for reimbursement of insurance costs.
The OSAGO policy is a contract obligatory for the purchase by each owner of a vehicle on the territory of the Russian Federation. As a rule, such a policy is issued for 1 year, but if you believe the statistics, then not all drivers use the car all year round. It turns out that insurance for a year for certain categories of drivers is not at all profitable. The question arises, what is the minimum period of insurance for OSAGO, and can it be issued for 2, 3, 4, 5 months or for six months?
What does the legislation say?
According to Federal Law No. 40 “On Compulsory Insurance of Civil Liability of Vehicle Owners”, the standard insurance period for the program is 1 year. In this case, the insurance year may not coincide with the calendar year.
At the same time, for a number of citizens there are special insurance conditions that allow them to issue a policy for a period of less than 1 year. Here are the main conditions under which an OSAGO agreement can be drawn up for a minimum period:
- for citizens who bought a car and ferry it to the place of permanent registration, the minimum insurance period is set - 20 days. During the specified period, the owner of the car must drive the car to the place of permanent operation, register and purchase a compulsory insurance contract for more long term;
- Foreign citizens who drive their car into the territory of the Russian Federation must buy an OSAGO policy for the period of their stay in the territory of the Russian Federation. The minimum period of validity of MTPL for foreign drivers is from 5 to 15 days.
Many citizens use a vehicle exclusively in summer time... For example, senior citizens use their "iron friend" only in the summer to go to their dacha, and put it in the garage in the winter. Why overpay and buy an annual MTPL policy when you can buy a policy for the required period and, if necessary, extend it? Consider the advantages and disadvantages of insurance for a minimum period.
Insurance premium calculation
To calculate the premium under a short-term OSAGO agreement, representatives of the insurance company use the base coefficient and the correction coefficient. Correction factors depend on the conditions of insurance and are set in accordance with the approved rates. This is what the basic formula for determining the insurance premium looks like:
Insurance premium = TB ( base rate depending on the type of vehicle) * KT (territorial coefficient of vehicle utilization) * KBM (discount, or increasing coefficient) * KVS (coefficient for the age and experience of drivers) * KO (coefficient depending on the number of drivers) * KM (vehicle power) * KS (period of use) * KN (coefficient depending on the driver's history of violations)
For insurance for a minimum period, Insurance companies take into account the coefficient "KS". The minimum period of use that the driver can choose is 3 months. For the minimum insurance period, insurance companies charge 50% of the total value of the insurance contract.
Undoubtedly, the advantage of incomplete insurance is that citizens who use the car 3, 4 or 5 months a year can significantly save money and not pay the annual cost.
Extension of short-term OSAGO
In order to save money, many motorists purchase a contract for a minimum period and then renew it. To renew the insurance contract, it is important to apply in a timely manner before the end of the vehicle insurance period. The coefficient of the cost of insurance, depending on the period of use, can take the following values:
| Insurance period |
Coefficient value |
|---|---|
| 3 months |
0.50 (50% of the insurance cost) |
| 5 months |
0,60
|
| 6 months |
0,65
|
| 7 months |
0,70
|
| 8 months |
0,90
|
| 9 months |
0,95
|
| 10 months |
1
|
During the year, the policyholder has the right to establish only three periods of use. This is very convenient, since the total cost for some drivers turns out to be very high, and insurance for periods allows you to buy a policy in installments.
Disadvantages of insurance for a minimum period
With all the convenience and advantage of incomplete insurance, there is one big disadvantage... As noted above, to extend the contract for new term it is necessary to apply in advance, until the validity period of the existing CTP policy has expired. The thing is that if the driver contacts the insurance company with a delay, he pays the entire cost of the OSAGO policy for required time again, according to the established tariffs. As a result, such a procedure will lead to a serious overpayment under the contract.
An example of calculating the cost of OSAGO for a minimum period
The driver contacted the insurer on December 26, 2016 and purchased a contract for a minimum period of 3 months. In the compulsory insurance policy, the insurance year will be set: from December 26, 2016 to December 25, 2017. The period of use will be equal to only three months: from December 26, 2016 to March 25, 2017. For three months, a payment of 50 will be accepted. % of the total cost of insurance. To save money and pay the remaining 50%, the driver must contact the company's branch before 03.25.2017. In this case, he will be able to reissue without overpayment.
When the driver calls after 03/25/2017, the representative of the insurance company will make a new calculation according to the approved formula, taking into account the "KS" for a new period, within the established year. For insurance for 3 months, the driver will have to pay again 50% of the total cost. If you want to extend the contract until the end of the year, you will need to pay 95% of the annual cost. It turns out that if the extension is delayed, the policyholder will have to seriously overpay for the annual policy.
Conclusion
In conclusion, we will try to summarize all the information described earlier:
- when registering OSAGO, each driver must independently decide for what minimum period it is more expedient to issue a policy. Insurance is possible both for 3 months, and for 4 or 5 months. The main thing is to clearly understand that in order to avoid overpayments and save money, it is necessary to extend the minimum period within the established time frame;
- Citizens who have bought a car can count on transit insurance, which is issued for up to 20 days and is calculated using a special formula. In most cases, transit insurance costs no more than 1,500 - 2,000 rubles;
- foreign citizens who came on business or on a visit, on their own car, can buy a compulsory insurance policy for a period of 5 days or more. The extension of the contract, as for Russian citizens, is not provided for them. Such an agreement is concluded for a fixed period, after which it ceases to be valid.
And of course, do not forget that only the insured can make changes and change the minimum period, that is, the one who contacted the company and paid for the contract.
Compulsory liability insurance has come to Russia since 2003, but this has created a number of certain difficulties for motorists.
It was necessary to choose the time, come to the company and pay money for what could not be used. Fortunately, more than 10 years later, car owners are much more conscious of these requirements and take out insurance from year to year.
OSAGO stands for Compulsory insurance Automotive Civil Liability. This policy is a bilateral agreement between a company and an individual.
According to this agreement, the insurer company takes responsibility for causing material or moral damage to third parties by this person in an accident. The amount of responsibility is prescribed in the contract, today it does not exceed 160 thousand rubles.
The CMTPL agreement provides a certain degree of financial protection if you become the culprit in a traffic accident.
The insurer who draws up the policy undertakes to reimburse a certain amount if the culprit of the accident has been identified and his guilt is proven.
The payment will be made on condition if:
- 2 cars were involved in the accident;
- the culprit has been identified.
However, there are conditions under which the payment of insurance will not be made on completely legal grounds:
- if one of the participants in the accident was intoxicated (it does not matter, the culprit or the victim);
- if the damage was caused to the perpetrator of the incident;
- if the selfish intent of the participant claiming to be the victim is proven.
In other words, scams and fraud in this area will not work. However, the above means that the guarantor company takes care of the victim and will be able to compensate for his damage.
How to issue OSAGO
If until 2015, in order to obtain compulsory insurance, it was necessary to go to the office of a company providing this type of service, today you can easily issue a policy using the Internet.
Since the rates for car insurance are set at the government level, the rates are the same in all companies. You should choose a company that has a good popular rating and makes payments on time.
As a rule, you can get a car insurance in the office, where a specialist will be able to calculate the cost of insurance directly for your car, however, this can be successfully dealt with and online calculators, which are found on most sites of large companies.
By the way, about calculators, in order to calculate the amount that you have to pay for a prerequisite driving a vehicle, you must enter the following data:
- vehicle type;
- vehicle engine power;
- driving experience;
- number of drivers;
- region.
To buy a motor vehicle in the office, you must take the following documents with you:
- Passport of the owner of the car, as well as all possible drivers admitted to driving this vehicle.
- Driver's license, as well as the rights of all possible persons who will operate this car.
- Registration certificate or certificate of registration of the vehicle in the traffic police.
- Power of attorney (in case you are not the owner this car).
- Previous policy (if any).
- MOT coupon (if the car is older than three years).
Take care of the availability of these documents, since the presence of an old contract can significantly reduce the cost of a new car insurance due to the bonus-malus coefficient.
What is the minimum period for issuing a car license?
Most car owners conclude an OSAGO insurance contract for 1 year, however, according to the rules of the companies, policies are issued for a period of 3 months, 6, 9 and 1 year. But each insurance company has special conditions under which you can issue a policy for a shorter period.
Which one? Today, policies are concluded for 30 days, 15 days or 10 days. When does this happen? It is possible to issue OSAGO for such a short period only in one case: if the car is not registered with the traffic police and has transit numbers.
However, it is possible to purchase a contract for 3 or 6 months. This is convenient for those motorists who use their car, for example, only in the summer for trips to the country, or are not constantly in Russia.
This allows you to save a certain amount, but this does not mean that insurance for 90 days will cost 4 times less than its full cost.
In order to roughly understand the cost of an OSAGO policy, concluded for a minimum period of 3 months, we present the following table with coefficients.
Therefore, purchasing insurance for a minimum period of 3 months, you will pay exactly half of the annual insurance. And OSAGO for six months will be 2/3 of the cost of a full policy.
If you want to take out insurance for a minimum period, heed the following tips:
- it is most profitable to conclude a contract immediately for a year;
- insurance for a minimum period of 3-9 months will cost more;
- the cost of the annual car liability insurance cannot be changed during the year;
- When making out a policy for a minimum period, ask just in case how much the annual contract costs.
If you are not sure for what period you want to issue a policy, choose an annual one. But you can always issue a MTPL for several months, and then, if necessary, extend the period of use.
Is there a benefit?
For many car owners, it seems that by taking out compulsory insurance for a minimum period, they can save money. However, if you calculate the cost of each month, it turns out that it is more profitable to take a policy immediately for a year.
At the same time, you will definitely be sure that the validity period of the MTPL is not over yet and you can feel a little more confident on the road.
Unfortunately, compulsory MTPL cannot be issued in installments, this is what the drivers are guided by, who conclude a contract for a minimum period and then extend it. Fortunately, the cost of the policy cannot be called an unbearable amount, and the benefits of a full car insurance are obvious.
Since 2003, every car owner in the Russian Federation is obliged to purchase an OSAGO policy. This view insurance coverage is provided for the protection of drivers from the likelihood of compensation for damage when they inflict serious or moderate harm to health or property to third parties as a result of the operation of their car. The law obliges all drivers to conclude an agreement with OSAGO within 5 days from the date of registration of their vehicle. There is a certain minimum insurance period for each category of drivers. Let's dwell on this in more detail.
- For drivers whose vehicles are registered abroad, there is the option of purchasing an OSAGO policy with a validity period of 5-15 days, that is, for a given period of insurance coverage, the policyholder is obliged to pay the same amount.
- For drivers ferrying vehicles across the territory of the Russian Federation to the place of permanent registration or for technical inspection, the term for concluding an agreement with OSAGO is set for a twenty-day period.
- As for the main group of car owners, whose vehicles will be used in the future on the territory of the Russian Federation, they enter into a standard agreement, the calculation procedure for which is identical with all insurance companies in the Russian Federation.
The standard OSAGO contract for the latter, the main group of car owners is 1 year. However, there is such a term as the period of use of the insurance. The periods of use of insurance are limited and do not always coincide with the period of insurance, they include:
- Vehicle use during the warm season;
- Periods when the car owner has planned to sell a car;
- Departure of citizens on vacation or a long business trip.
Three-month period of using OSAGO
The minimum insurance period for OSAGO is currently three months. From an economic point of view, this option is not entirely profitable, since car owners who have issued a policy for several months are forced to spend a more significant amount every month in comparison with taking out insurance for a period of 1 year. It should also be remembered that the period of use of the insurance is divided into several parts, which makes it possible to plan its use for a year in advance, after the policy is issued. As for the price of insurance, it will remain unchanged throughout the year, even if the rates increase during this time.
Who can purchase OSAGO for a period of 3 months?
Anyone can conclude an agreement for the minimum period of insurance under OSAGO individual... The situation with legal entities is a little more complicated. They can purchase an insurance policy for specialized vehicles (snow removal equipment, watering equipment, etc.), the validity of which should not be less than six months.
How is the cost of OSAGO insurance coverage calculated?
The cost of the OSAGO policy is equal to the product of the base tariff rate approved by the government of the Russian Federation by the correction factors. The base tariff rate is calculated based on the category and purpose of the vehicle. The correction factors include:
- Car engine power;
- The duration of the insurance contract;
- The period of use of the vehicle;
- Driver's age and experience;
- Number of persons who can be allowed to drive this vehicle;
- Territory of vehicle use;
- The presence of road traffic violations;
- The presence or absence of insurance payments.
For drivers with 2 years of trouble-free driving experience, a 10% discount is provided. If for ten years the car owner has never had an accident, the amount of his discount will be almost 50%.
The contract with OSAGO does not provide for payment of insurance in installments, however, it is still possible to save on OSAGO. Initially, you can pay for the policy in 3 months, then renew it for the same period, after which you will have the opportunity to pay in addition only 0.3 parts of the annual amount for 6 months. This option is very beneficial, but the policy must be extended before the end of the policy period. The three-month rate can be extended for a period of 3–9 months or for a year at once.
