To date, on the roads of our countrythere are a huge number of drivers who should always be cautious. When buying a vehicle in the car salon, each driver is required to issue an insurance policy. You can do it directly on the spot, which is very convenient, since you do not need to waste time searching for a reliable insurer.
Today there are quite a few programsinsurance, one of which is the transit insurance of OSAGO. It is mandatory for all drivers and includes not only a standard set of risks, but also compensation for any damage that the driver will cause to other road users, pedestrians or third parties. Without this policy, you will not only not be able to receive monetary compensation in case of getting into an accident, but also sell the car if necessary.
general information
Transit policy MTPL, in contrast to the usualinsurance, has a short period of validity. Having issued this type of insurance, you can safely move on your vehicle for no more than 20 days. At the end of this period, the insurance needs to be extended or replaced.
When buying or selling a transport ownermeans must deliver or remove it from the register, as well as purchase an insurance policy. In this case, according to the current legislation, if the car was purchased less than five days ago, the presentation of insurance is not mandatory for the traffic police. In all other cases, the driver is required to have a policy with him and show it to the guards of order on the first demand.
OSAGO (transit) on a motorcycle is issuedin the same way as a car, and requires the owner of the vehicle to have temporary numbers. Once the fixed numbers are received, the transit insurance terminates.
When is an insurance policy required?
As statistics show, the owners of newIn 70 percent of the cases, cars get into traffic accidents in the first weeks after the purchase. Therefore, if you decide to get a new car, it is recommended to insure it immediately. Transit MTPL must be issued at the time of purchase of the car, after signing the purchase / sale contract. This is a mandatory requirement, since without insurance it is impossible to register a vehicle in the traffic police, and without this, driving is considered illegal and entails appropriate penalties. When selling the vehicle, the same rules apply, so the registration of compulsory motor TPL insurance is also mandatory.
What risks does OSAGO insure against?
Transit MTPL involves the payment of cashcompensation to injured persons in the event of an accident in which property, health or life was damaged. It should be noted right away that not all cases fall into the category of insurance, therefore compensation is not paid accordingly.
The owner of transit insurance can expect compensation in the following cases:
- if a pedestrian was shot down, as a result of which he was injured or died;
- the vehicle was damaged;
- damage to life or health was caused to another driver or passengers;
- spoilage of another's property.
Transit MTPL does not involve payment of monetary compensation in the following cases:
- expired policy;
- participants in the movement or pedestrians received only moral harm, and not physical;
- harm was obtained as a result of participation in races or in collision with an educational vehicle;
- damage was caused not by the vehicle itself, but by the cargo carried by it.
In addition to the above cases, the payment ofcompensation may not be exercised under any other risks specified in the contract. Therefore, in order not to get into an unpleasant situation, it is recommended that you carefully study the conditions of transit insurance when drawing up a policy.
Other types of compensation
Transit MTPL also assumes compensation for damage to the employer if the health or life to his subordinate has been harmed in the following cases:
- injury during loading and unloading operations;
- the employee has received damage to health from the trailer or any other equipment installed on the vehicle;
- damage caused by natural disasters or any other circumstances that do not depend on a person.
If the amount of damage caused exceeds the estimated insurance payments, then the part of the damage is to be paid by the culprit of the accident.
How much does it cost to buy a transit insurance policy?
Every driver who buys a new car,is interested in the cost of transit insurance of OSAGO. In Russia, the cost of insurance services is regulated by the state, so the standard policy is the same for all drivers. However, the final amount, which will have to lay out to the owner of the vehicle, can significantly differ for each specific case. When calculating the cost of transit insurance, the following factors are taken into account:
- power of the power unit;
- region of the country;
- driving experience;
- time during which the driver did not get into an accident;
- the number of people specified in the contract;
- seasonality.
Самыми дорогими факторами, от которых зависит the cost of transit OSAGO, is the power of the motor and the type of vehicle. Also, the special ratio, which is established by the state, is taken into account. If the maximum engine power does not exceed 50 horsepower, then this coefficient is 0.7, in all other cases the coefficient is 1. In addition, the size of the coefficient is also affected by the population in a city or a settlement.
Secondary, but no less important factoris the season in which the operation of the vehicle will be carried out. In summer, the transit insurance policy will cost much less than in winter, as in the warm season the conditions on the road are much better, so much less traffic accidents happen.
If the transit MTPL was never used during the year, Rosgosstrakh will pay the owner of the car a monetary compensation in the amount of five percent of the full cost of the policy.
Making insurance online
Из-за большой занятости и слишком насыщенного the rhythm of modern life is far from all drivers have the opportunity to spend a lot of time on the design of an insurance policy. Therefore, many companies provide their customers the opportunity to calculate the cost of insurance online. This is very convenient, because when you go to the insurer, you will immediately know the exact amount that must be paid for the policy. When calculating the cost, the power of the power unit and the driving experience are taken into account, the coefficients of which are multiplied by the base tariff and the insurance coefficient established by the state.
When calculating the driver will have to fillthe corresponding online form on the website of the insurance company and indicate all the necessary data. The entire process takes no more than five minutes. In addition, if you have any additional questions, many companies give their customers the opportunity to order a call back.
Registration of the policy of OSAGO through the Internet: documents
Transit OSAGO in Novosibirsk, for example, canbe issued not only in the office of the insurance company, but also online. This opportunity was launched several years ago and is now in great demand. To do this, you will need to fill out a special form and provide the employees of the insurance company scanned the following documents:
- passport;
- technical passport for the car;
- driver's license;
- technical inspection card;
- form help 4.
After filling all fields and checking the relevance of the information entered, you can send an application for insurance.
Application form: what's next?
After you complete the online form andprovide the employees of the insurance company with all the necessary documents, your application will be sent for processing. When all the legal formalities for processing MTPL for transit numbers will be settled, you will be sent the following package of documents by mail:
- policy;
- cheque;
- insurance contract;
- contacts of representatives of the insurer;
- clean forms for filling in the event of an accident.
All these documents must always be carried with them, so they better put in the glove compartment of the car.
Making out an insurance policy online: step by step guide
Nowadays, it is possible to make various payments and purchases, as well as make out insurance, via the Internet. This will require:
- Register on the official website of the insurance company.
- Fill in the special form.
- Put on the contract an electronic signature.
- Wait for the call of the employees of the insurance company to agree on all the conditions.
- Pay for the insurance policy.
- Send the insurer a scanned copy of the receipt by e-mail.
Making insurance online is very fast, easy and convenient.
Where can I buy a transit policy of OSAGO?
To issue transit insurance for yourvehicle can be absolutely in any company that provides similar services and has an appropriate license. In addition, you can insure the car directly in the showroom, which will save you an unnecessary headache and save a lot of time.
If you are too busy or working late, thenYou can arrange a transit policy with insurance agents, but in this case you should be extremely cautious, since not all private companies work honestly and in full compliance with the current legislation.
Conclusion
Транзитное страхование – это обязательная The procedure that any driver must pass when buying a new car. However, its necessity is caused not only by the requirements of the legislation, but also by your personal protection. After all, regardless of the driving experience, no one is immune from road accidents, especially on a new car, which you still need to get used to. Therefore, by purchasing an insurance policy, you can be completely sure that you are insured against any risks that can happen on the road.
But be that as it may, try to be extremely careful in any situation, because you will not regain health for any money.
