Insurance of OSAGO: what documents are needed? Registration of OSAGO

What is OSAGO, every owner of the vehicle knows, after all, at least once a year he has to apply to the insurance company for its registration. The MTPL policy compensates the motorist's expenses in the event of unpleasant situations on the road, that is, accidents, so it is so important that always have insurance with OSAGO. What documents are needed and what amount will have to be paid - these questions always remain relevant. Let's try to understand.

What do you need to do for the policy?

Many drivers assume that for the preparation of compulsory motor TPL insurance will be enough for the previous insurance, but it is not. To conclude an agreement between the selected insurance company and the insured, a number of documents will be required.

However, they do not have to collect and spend a long time for this precious time, they usually have drivers with them. So, in order to conclude a contract of OSAGO, you must provide the originals of the following documents.

Documents for the car

This is usually either a certificate of registration of the vehicle - STS (it is also called a "pink card"), or a vehicle passport - PTA (in the people - "blue"). These documents specify the technical data of the car, as well as the basic data of the owner - name, address.

Identity document

Usually this is a passport of a citizen of the Russian Federation, the owner of the vehicle. In the event that the policyholder and the owner are different persons, the insured's passport is also required.

Vehicle inspection form

Now at the stations conducting technical inspection of the vehicle, the owner is issued a diagnostic card that contains data about the car, the date of the present and future inspection. In order for the insurance of OSAGO to be concluded, it is necessary to have a valid diagnostic map. It must be valid for at least 24 hours.

Many drivers, wanting to save their own money, avoid passing the inspection and try to have time to issue CTP in the current vehicle inspection, but to design a new one or forget, or do not want to. Remember that in the event of an accident, if the database does not contain data on the technical inspection of the vehicle, the insurance company may refuse to pay you.

Driver's license

This document is necessary if the contract of OSAGO is concluded with a limited list of drivers. Moreover, all driver's licenses must be certified, which will be inscribed in the insurance policy. In extreme cases, you can provide a copy of them. It is important to know that the number of drivers entitled to drive a car can not exceed four persons. Otherwise, you can apply for insurance without restriction. With unlimited insurance, driver's licenses are not required.

In some cases, representatives of the insurance company may require a sales contract or some other documents. But this is, rather, an exception than the rule.

Only after all the necessary things have been prepared, can the insurance of OSAGO be issued? What documents are needed for this, you already know, so there should not be problems. The next question that logically arises from the owner of the car: "How much money to cook?"

The cost of OSAGO

Pleasure is not the cheapest, but it is necessary to formalize the policy. In this case, being behind the wheel becomes safer. After all, no matter how confident the driver is in his professional life, what driving experience he has, the situations happen different. Even one minute, during which the driver was distracted, can turn into an accident. Therefore, it is cheaper still to issue a policy, rather than pay for the repair of a damaged car.

The cost of compulsory motor TPL insurance is composed of the base rate multiplied by several factors. The maximum base rate for individuals is 4,118 rubles, the minimum is 3432. Insurance companies have the right to establish the base themselves, so the price of the policy may vary slightly.

In addition to the coefficients that are taken into account in calculating the cost, insurance companies are also required to view the driver's discount, which is granted to him for each accident-free year at a rate of 5%. Data is contained in a single database and does not depend on the preferences of the insurers. Now let's talk in more detail about the coefficients.

Coefficients of insurance rates

There are the following ratios of insurance rates.

1. Territory of preferential use of the vehicle.

Determined by the place of residence of the owner of the vehicle. It is established by the law on OSAGO, for example, the coefficient for Moscow is 2, for Irkutsk 1.7, but in Sevastopol it is only 0.6.

2. Age and experience of the driver.

If the driver is under 22 years of age, and his experience is less than three years, or some particular item separately, then an increased coefficient is applied within the limits of 1.6-1.8.

3. The number of persons allowed to drive.

If the insurance policy does not provide for a restriction on the number of drivers, an upward factor equal to 1.8 is also applied.

4. Vehicle power in hp.

The more power, the greater the ratio. For example, the coefficient applied to the base rate for a car with a power of 135 hp. Is 1.4. Up to 50 hp - 0.6.

5. Period of use.

In general, the owner concludes the MTPL policy for a year. The applied coefficient in this case is unity. But if you conclude insurance for six months, you have to pay 70% of the policy cost for a year, that is, the coefficient will be 0.7.

That's all the coefficients that are taken into account when calculating the cost of the policy. Do not forget about the existing discount. If it is available from the owner, but it is not taken into account, then the insurance of OSAGO may be invalid. What documents are needed to confirm the discount? Only the driver's license or, if unchecked, the passport of the owner of the vehicle.

After reading this article, each policyholder will find valuable information regarding the cost, coefficients, rules that apply when processing the policy. You learned how much the necessary thing - insurance of OSAGO, what documents are needed, is now also known. A competent insurer, who knows everything, will never face problems when preparing a policy. And besides, will cause respect from the insurers, because with knowledgeable people it is always more pleasant to deal with.