Increase in car insurance prices. There will still be a sharp rise in the price of compulsory motor insurance, just in a year - an expert. When was the last time they changed?

For example, for a driver who is responsible and careful in driving, when calculating the price of the policy, a maximum 50% discount (coefficient of 0.5) is applied for long-term trouble-free operation of the car. This does not mean at all that the final cost of the MTPL insurance policy will be reduced by such a factor. Since the compulsory motor liability insurance policy currently applies to a vehicle, if the driver who is entitled to the maximum discount needs to be included in the policy, which includes the owner of another car who was involved in an accident due to his own fault, his maximum coefficient will certainly be reduced.

As planned, from January 1, 2017, the MTPL policy will be untied from the car and tied to a specific driver. In other words, for all drivers their individual bonus malus (IBM) will be calculated, which will change due to accidents of another car and driver.

2. Classes of unprofitability of drivers (KBM coefficients)

Starting from the new year 2017, the Russian Union of Motor Insurers will introduce 14 individual classes for drivers (loss class “M” and 13 classes).

For example, for loss class “M” a coefficient of 2.45 is applied. For drivers who often get into accidents due to violation of rules traffic, the corresponding loss class will be assigned with a coefficient of 2.45. Such drivers will be able to take out a policy that is 2.5 times more expensive.

On at the moment Loss classes apply to the car, and drivers are assigned the first class. For accident-free driving Drivers receive a 5% discount. Over the course of a year, the bonus-malus ratio may decrease by 0.05 percent. And the maximum discount for ten years of accident-free driving will be 50 percent (hence the coefficient of 0.50).

If a driver gets into an accident due to his fault, regardless of the discount provided, for the next insurance period an increasing premium of a factor of 1.55 is applied to him. Returning the bonus-malus coefficient to 1.0 is possible if you drive the car without accidents for two years.

In addition, due to the attachment of the bonus-malus coefficient to both the car and the driver, when insuring the driver who owns the car and adding other drivers to the policy for one driver, different coefficients may be applied to the same driver, depending on the number of drivers included and the coefficients applied to the driver. him and the car.

3. From 01/01/2017, all drivers will be subject to a personal KBM when applying for an MTPL policy, which will be changed annually.

At the moment, the bonus-malus coefficient is changed after the registration of an insurance contract for the next term. By decoupling drivers from their cars, they will receive a fairer BMR ratio. And starting from the new year, insurance companies will be prohibited from independently calculating the bonus-malus coefficient. RSA will prepare an electronic online system that calculates the individual BMI coefficient for all drivers and transfers it to insurance companies when concluding an insurance contract.

This will prevent abuses committed by insurance companies when calculating the price of an MTPL policy.

4. Will the discount on the MTPL policy increase from 01/01/2017?

If the driver needs to be included in someone else’s insurance, the calculation will not be the average coefficient applied to two insurances, but much more fair. When a driver with a coefficient of 0.5 needs to sign up for an insurance policy, he does not lose his coefficient and he faces the minimum coefficient.

According to RSA data, a fifth of drivers, thanks to the use of the new calculation methodology, from 01/01/17 will receive a discount on the final cost of the compulsory motor liability insurance policy of 2-15% percent.

5. Will the MTPL policy increase in price without limiting the number of drivers allowed to drive?

However, with the use new system calculating the bonus-malus coefficient from 01.01.17, by canceling the linking of the cost of the policy to the car, the cost of the MTPL insurance policy will significantly increase without limiting the drivers allowed to drive. At the moment, when calculating the cost of such a MTPL policy, a KBM coefficient of 1.80 is used. The increase in the price of this MTPL policy will affect about 13.6% of drivers.

6. Is there a transition period with the introduction of a new system for calculating the bonus-malus coefficient?

The Russian Union of Auto Insurers, after the start of the new calculation of the KBM coefficient, has defined benefits for the transition period. For example, drivers included in several MTPL policies, for which several bonus-malus coefficients are applied, will be able to take advantage of the minimum KBM (currently insurance companies in such a case The average bonus-malus coefficient is applied.

7. Will the cost of the policy increase for taxi drivers and legal entities?

For legal entities, from 01/01/17, when applying for an MTPL policy, the average coefficient for the legal entity’s vehicle fleet will be applied. Naturally, companies with a large fleet will be forced to increase annual insurance costs.

The changes are especially inconvenient for large taxi fleets, whose cars often get into accidents due to the fault of the drivers themselves. Starting from the new year, at least one driver getting into an accident will lead to a significant increase in insurance prices in the next calendar period.

8. Will the cost of the MTPL policy increase if a driver who was previously involved in an accident through his own fault is added to it?

New rules for calculating the price of an OSAGO policy after January 1, 2017, when several drivers are included in the policy, provide for its calculation for the driver with the worst KBM coefficient. In the process of applying for a policy, any car owner must carefully study the innovations and take a responsible approach to adding a driver to the compulsory motor liability insurance policy, to whom a high insurance policy applies. KBM coefficient. Due to the accident rate of such a driver, the final cost of the MTPL insurance policy will increase significantly.

12:30 — REGNUM

There will still be a sharp increase in the cost of the MTPL policy - just in a year, and everyone, even careful drivers, will notice the increase in price, says an expert in the field of insurance, one of the founders of the Strahovkaru.ru portal. Valery Kolyada.

Earlier, the Vedomosti newspaper, with reference to the document, reported that in the final amendments the Ministry of Finance is ready to allow insurers from September 1, 2019 to September 1, 2020 to set the cost of the compulsory motor liability insurance policy at 30% lower or higher than the basic tariffs of the Central Bank, and from September 1, 2020 g. - 40% lower or higher.

Insurers have been insisting on the need for liberalization for a long time. At first it was assumed that the tariff corridor would be expanded by 20% in September of this year. Strong public pressure forced the Ministry of Finance and the Central Bank to hold open parliamentary hearings - they took place in the last week of September. As a result of the hearings, the expansion of the tariff corridor was postponed for at least a year. They promised to carry it out in stages to avoid sharp price increases.

It’s obvious now, but there will still be a sharp increase - just in a year - and not by 20%, but immediately by 30%, and by 2020 - even up to 40%. Of course, liberalization implies an expansion of tariffs in both directions, but everyone understands that it is unlikely that any insurer will want to lower the base rate.

RSA has long drawn attention to the need for liberalization. IN present moment OSAGO is one of the most unprofitable types of insurance for insurance companies: the amount of payments for insured events often significantly exceeds the amount of insurance premiums received from drivers (not to mention fraud and the activities of auto lawyers).

Current tariffs and coefficients do not take into account such important indicators as, for example, driving style. It turns out that careful drivers overpay, and reckless drivers from “toxic” regions pay the same as them.

New amendments should correct this injustice. Instead of power and territory coefficients, new ones will be introduced: coefficient traffic violations and the insurer's ratio. Power factors and territories are called social - in the current system they exist to reduce the price of compulsory motor insurance for low-income drivers from poor regions.

With the introduction of new coefficients, the cost will increase for careless drivers, and companies may, on the contrary, give a discount to careful drivers. Insisting on expanding the tariff corridor by 20%, insurers loudly declared: careful drivers will not notice the rise in price - the new coefficients will give them the necessary discount.

But with the expansion of the coefficient to 40%, this is already hard to believe. What can we say about those who have at least once had an accident or about newcomers - those who have recently driven and have their first car, they will still feel the rise in prices. The abolition of the territorial coefficient will also hit hard for residents of small towns and remote regions (even though they want to abolish it only by 2020).

There is already a very serious problem: many drivers (even careful ones) refuse compulsory motor insurance. Paying a fine of 800 rubles (or 400 with a discount) is easier than buying an expensive policy. In 2017, there were about 3 million such drivers, according to official traffic police statistics.

Therefore, increasing fines for driving without compulsory motor insurance seems to be the next logical measure. Representatives of the Ministry of Finance have already expressed the idea of ​​making the fine commensurate with the price of the policy - then it will be easier for drivers to buy a policy.

It must be said that RSA representatives turned to foreign experience (in particular, Germany). There, after liberalization, prices for policies increased, and seriously, but the amount of compensation for insured events increased.

The validity period of the car insurance contract is established by the legislative acts of the Russian Federation. The vehicle driver has the right, depending on the situation (sale, registration, etc.), to purchase an insurance policy with a limited period of use of the vehicle. Its price will differ from the cost of annual insurance. How is the price of a short-term policy calculated? For what minimum period can you apply for compulsory motor liability insurance? What does a driver face for driving a vehicle outside the validity period of the insurance policy?

For how long can you apply for compulsory motor liability insurance?

The validity period of the compulsory motor insurance contract is established by Article 10 of the Law “On Compulsory Motor Liability Insurance”. Paragraph 1 of this article indicates that the validity of compulsory motor liability insurance is 12 months, not counting a few exceptional cases. These include compulsory insurance of vehicles that are registered in foreign countries - the validity period cannot be less than 5 days and compulsory motor liability insurance for vehicles traveling to the place of registration or for technical inspection, including repeated ones - the validity period must not exceed 20 days.

Article 16 of the same law provides for a minimum period of compulsory motor liability insurance for cases of using vehicles in a certain season. Paragraph 1 indicates that individuals purchasing seasonal insurance can purchase it for 3 months or more. Legal entities with limited insurance for snowblowers, sprinklers and other special equipment can use them for a minimum of 6 months a year.

Insurance period and period of use of the vehicle in the insurance policy

The validity period of insurance and the period of its use are two different concepts. If the policyholder’s case does not fall within the exceptions specified in Article 10 of the Law “On Compulsory Motor Liability Insurance”, then the period during which the contract is valid is 1 year. And the period of use may be limited to a certain time, which the insurer must indicate in the insurance policy and contract when taking out insurance. Driving or using a vehicle during periods not specified in these documents is prohibited by law.

An example of registration of compulsory motor liability insurance with restrictions

The contract of mandatory “automobile citizenship” was concluded for a period of 12 months - from May 1, 2018 to April 30, 2019. The period of use was set for 3 months - from 05/01/2018 to 07/31/2018. It is impossible to operate the car in months not provided for by compulsory motor liability insurance, since the driver’s liability is not insured during this time.

If a car owner purchases insurance with a limited period of use, he is obliged to provide the insurance company with a list of all drivers who have the right to drive a vehicle. If the period of MTPL insurance needs to be extended or one or more drivers need to be allowed to drive a car, the policyholder, by virtue of clause 3 of Article 16 of the Law “On MTPL”, is obliged to inform the insurer in writing about these changes, and he has the right to demand an additional payment for the policy, proportional to the increase in risk.

Calculation of the cost of compulsory motor liability insurance for a short period

Minimum MTPL insurance for a car will cost less than a policy for the entire period, that is, for 12 months. A standard formula is used to calculate the policy price. Insurance rate ratios that directly depend on usage vehicle, established by Directive of the Central Bank of the Russian Federation No. 3384-U dated September 19, 2014. The coefficients are presented in the following table:

Table - Cost of the MTPL policy depending on the period of operation of the vehicle

Source: Directive of the Central Bank of the Russian Federation No. 3384-U

If the purpose of purchasing limited insurance is to save money, then there is no point in taking it out for 9-10 months. For limited insurance, a car driver will need to pay the same amount as for annual insurance, but he will lose the right to drive the car for several months. Such a purchase will be justified if the vehicle is used only a few months a year, in certain time year, etc.

Additional payment for the policy or how to extend the period of use

Article 16 of the law “On Compulsory Motor Liability Insurance” and the Rules of Compulsory Motor Liability Liability Insurance state that the policyholder must notify the insurer about the extension of the insurance period before the current validity of the Compulsory Motor Liability Insurance has expired. Extension is carried out by submitting a written application to the insurance company. The insurer will make changes to the insurance policy only after the car owner pays an additional insurance premium. The amount of the additional contribution is equal to the amount of the remaining insurance premium calculated for the full insurance period - 1 year. That is, if a limited policy was issued for 3 months and the policyholder paid 50% of the cost, then upon renewal he will have to pay the remaining 50% of the amount.

If the owner of the car comes to the insurer for an extension after the expiration of the period of use, then he will have the right to refuse the extension. Then you will have to register new policy at the same cost. That is, if insurance was purchased for 6 months and cost 70% of the full cost and the policyholder was late in extending the period by 2 days, then he will again have to pay 70% of the price of the annual MTPL policy, and not 30% of the amount as it would have been if there was no delay.

Who benefits from multi-month insurance?

Registration of a limited policy is available to any individual and legal entities. When concluding a contract, the insurance company does not require documents confirming the use of the vehicle during a certain season or time of year. Minimum term OSAGO registration is suitable for the following categories:

• Legal entities engaged in activities related to the use transport equipment in a certain season (snowplows, agricultural vehicles, etc.);
• For individuals who do not use cars in winter time year;
• For pensioners who use a vehicle only in the summer for trips to their dachas, etc.;
• Car owners who plan to soon sell vehicles.

If a car registered in another state enters the territory of the Russian Federation, its owner is required to insure his liability for the entire period of stay in the country. If this period is 5-15 days, the cost of insurance will cost him 20% of the cost of the full policy. If the period is 16-30 days, insurance will cost 30%, etc. The minimum period for compulsory motor liability insurance for registration should not exceed 20 days, and the cost of such a policy will be 20%.

Fine for driving a vehicle during a period of use not covered by the MTPL policy

A traffic police inspector who stops a car owner in a month that is not covered by the MTPL policy will issue him a fine of 500 rubles as required by paragraph 1 of Article 12.37 of the Code of Administrative Offenses of the Russian Federation. If the driver does not have a document confirming the presence of a mandatory motor vehicle license at all, a fine will be issued in the amount of 800 rubles.

Conclusion

Compulsory car insurance can be issued for 12 months or less if the vehicle is used in a certain season. The period of use can be extended by notifying the insurance company and paying the remaining cost of the annual policy. The price is calculated by subtracting the amount of the premium already paid from the annual cost. For operating a car during a period not specified in the policy, the car owner will face administrative liability in the form of a fine in accordance with the norms of the Code of Administrative Offenses of the Russian Federation.

In 2017, no significant changes to traffic rules are expected. However, this does not mean that everything will remain as before for motorists. 2017 promises many important innovations in various aspects of the life of a car owner. I tried to collect the most important of them in one material.

Anna Zaikova

What will happen exactly

1 Available MTPL policy online.

From January 1, every insurance company will be required to issue auto insurance policies electronically. Moreover, insurers will be fined 300 thousand rubles for each system failure, due to which the client will not be able to issue a policy within half an hour. The total duration of interruptions in the operation of the site cannot be more than 4 hours per month.

The opportunity to buy an MTPL policy online appeared back in 2015, but selling policies via the Internet was the right, not the responsibility of insurers. For a long time, only 14-17 companies provided such a service. However, many drivers complained that they were unable to use these services due to constant glitches. In 2017, such problems should no longer exist. Read more about the innovation in our.

2 The ERA-GLONASS system will become mandatory.

From January 1, all new cars that go on sale in our country must be equipped with the Russian emergency response system for road accidents based on ERA-GLONASS.

What is it? A terminal is built into the car, which automatically determines the location of the vehicle and mobile communications transmits collision information to the system. In addition to the coordinates, the data package contains the time of the accident, the severity of the consequences and the VIN number of the vehicle. In passenger cars, the system will transmit data automatically; in commercial vehicles, this will have to be done manually by pressing the appropriate button on the terminal.

According to experts cited by the Ministry of Industry and Trade, ERA-GLONASS will save about four thousand people annually by reducing the response time to accidents by up to 30%.

The procedure for certifying a car with ERA-GLONASS is complex and expensive. Therefore, some manufacturers considered it unprofitable to obtain approval for poorly selling cars. This will lead to many luxury models disappearing from the market. And those that will remain, due to the introduction of the new system, are several.

In mid-December 2016 - what about the used cars that are imported into the country? The ERA-GLONASS requirement applies to all imported vehicles, including used ones. The other day, the customs office gave an explanation: they will not issue PTS for cars without an emergency call device. However, if you have an old but valid certificate of safety of the design of the vehicle (issued for a period of 3 years), issued before January 1, 2017, customs officers still promise to issue a PTS.

3 Strict requirements for carriers of children.

From July 1, 2017, it will be possible to transport children only on buses that are not older than ten years. In addition, the bus must be equipped with a tachograph and a GLONASS or GLONASS/GPS satellite navigation system.

4 Guest workers will be removed from the helm.

From June 1, 2017, drivers with foreign licenses will not be able to engage in commercial transportation. This requirement establishes an amendment to the Law “On Road Safety”.

5 Paper PTS will become history

From July 1, 2017, the traffic police must stop issuing paper vehicle passports (PTS). Since July 2016, they have gradually been converted to electronic ones. Replacement occurs automatically. There is no need to go and hand over your old passport: as a historical document, you can keep it as a keepsake.

6 Replacement driver's license will simplify.

From February 1, 2017, it will not be necessary to go to the traffic police to get a new license if you lose your old one or their validity expires. This service will be available at multifunctional centers (MFCs). There you will also be able to obtain an international driving license.

Mikhail Khaustov

There will be a high probability

1 Payments in kind under compulsory motor liability insurance will be replaced with repairs.

The State Duma has already adopted the corresponding bill in the first reading and is now being finalized. It is assumed that the motorist and the insurance company, when concluding a contract, agree on a list of service stations, one of which will in case of an accident They will restore the broken car.

They are going to introduce compensation in kind only for vehicles registered in the Russian Federation and owned by individuals. The Central Bank proposes to leave cash payments only in several cases:

• when the car cannot be restored;
• when the cost of repairs exceeds the insurance amount under the MTPL contract;
• when, due to the fault of the insurer, repairs cannot be properly organized;
• if the insurer has lost its MTPL license (then the Russian Union of Auto Insurers will pay compensation);
• if the car is under warranty, which cannot be preserved during third-party repairs;
• when the victim finds himself in a difficult life situation and what is more important to him is not repairs, but money. For example, to improve your health after an accident.

Repairs under compulsory motor liability insurance should take no more than 30 days (from the date of issue of the repair order), excluding holidays and weekends. Plus another 5 working days that may be needed to deliver the vehicle to the repair site. Delaying repairs will be punishable by a fine for each day of delay.

2 Platon's preferential tariff will be cancelled..

The Ministry of Transport is preparing to raise the rate for the passage of 12-ton trucks on federal highways from February 2017. It is expected that then the rate will increase from the current 1.53 rubles to 2.61 rubles per kilometer, and from June - to 3.06 rubles. However, this has not yet been officially announced.

Control over truck drivers will also be tightened. So, if now in the territory Altai Territory If only one frame with cameras was installed, with the help of which they identify unpaid drivers, then in 2017 their number increased to nine.

Ivan Kuzmin

3 Significant increase in gasoline prices.

Fuel becomes more expensive every year, but at a rate below inflation. In 2017, the increase in prices for petroleum products may be more noticeable. Experts name three factors that could contribute to this: the planned increase in fuel excise taxes, an increase in the mineral extraction tax (MET) and a stable increase in oil prices. According to various estimates, gasoline and diesel fuel at gas stations may rise in price by 8-12%.

The Central Bank announced another increase in tariffs for compulsory motor liability insurance from September 1, 2018. We are not talking about a fixed increase in tariffs, but about expanding the so-called “tariff” corridor. For category “B” cars, its minimum threshold will be 2476 rubles, and the maximum – 4942 rubles. At the same time, the minimum threshold decreased by almost 1,000 rubles, and the maximum increased by 800 rubles compared to previous rates of 3,432 and 4,118 rubles, respectively.

But the reduction in the minimum price will not at all entail a reduction in price or at least maintaining at the same level the cost of the compulsory motor liability insurance policy from September 1, 2018. All insurers in full use the maximum corridor limits, charging the highest insurance premiums for payment.

The reason is simple - both RSA and individual insurance companies will continue to hint about losses and unprofitability of insurance activities, trying in every possible way to push the state to increase the cost of insurance. The new MTPL tariffs are another example of this.

How much will OSAGO cost from September 1, 2018?

The real increase in the cost of compulsory motor liability insurance policies from September 1, 2018 should be expected within 20%, but the least expensive policies for small cars driven by experienced drivers will suffer the least. Its cost should not increase by more than 500 rubles, but the average policy for car from 100 to 150 hp for drivers with varying experience it will cost from 5,500 to 8,000 rubles.

IMPORTANT: However, there are no plans to raise tariffs yet and such a change needs to be approved by law.

If you haven't taken out insurance yet, now is the time to do it.