Coefficients of compulsory motor third party liability. Coefficient of the OSAGO territory. OSAGO coefficient by regions

Since April 1, 2015 in Russia, regional coefficients for autocitizen have been introduced, and in another two weeks - the basic coefficients have been changed. Tariffs have increased by 40%. How many drivers will now have to pay for the OSAGO policy?

Legislative changes

The devaluation of the currency, the increase in the maximum payout limit, the unprofitable segment of the car insurance market in the insurance market - all these factors caused the increase in tariffs and the expansion of the payment corridor in 2015.

The coefficient of the OSAGO territory has been increased for 11 regions of the Russian Federation and even for so many reduced. The maximum growth of 25% is foreseen for Chuvashia, Voronezh, Kurgan regions. In the Magadan region, tariffs will decrease by 41%. In Dagestan, Tuva, Ingushetia, Chechnya and the Leningrad region, the OSAGO coefficient in regions has decreased.

The calculations were carried out by MSU experts. According to the information received, in some regions it was necessary to increase the tariff for public modes by more than 400%. The real change was 100%. The market waited for several years to adequately raise tariffs. In the RSA believe that it will now be possible to improve the quality of protection and balancing of interests.

In addition, a new system was introduced to receive a quick payment for the very fact of causing damage to the life and health of the victim. Previously, all calculations were made after the treatment, based on the checks provided. Compensation can now be obtained not only by the dependents of the victim, but also by his immediate relatives.

Pricing

The cost of the policy is composed of tariffs and special indicators. The coefficients of compulsory motor TPL insurance are legislatively established by the state. Insurance companies can not change them on their own. At the end of 2014, the regulator raised the maximum amount of payments for an auto citizen to 400 thousand rubles. And to ensure that companies do not suffer losses, they increased the tariffs by an average of 50%.

How is the cost calculated

The formula is quite simple: insurance coefficients of OSAGO multiply with the base tariff. But both values depend on a number of factors: the length of the driver, the region of the vehicle's stay, the state of the vehicle, etc. The usual calculation formula looks like this:

Polis = BT x KT x BM x KVS x OK x KM x S x KH x P, where:

• BT - base rate.
• CT is the territorial coefficient of compulsory motor TPL insurance.
• KBC - indicator age / length of service.
• BM - the bonus-malus.
• OK - the limiting indicator.
• KM - engine power.
• C - seasonality.
• KN - coefficient of violations.
• П - indicator of the term of insurance.

The most expensive will be a policy for young people who drive powerful cars in major cities. The costs of experienced drivers with a trouble-free driving experience of more than 10 years will be minimal.

Base rate

The cost of the OSAGO policy varies by region. For each type of transport, depending on the number of seats and tonnage, the tariff is set. For the owners of cars it is divided by its membership in a physical or legal entity. It has not changed since 2004. For contracts concluded after April 1, 2015, such coefficients of insurance rates of compulsory motor third party liability insurance will be used:

Motorcycles and scooters - 1507 rubles.

Cars:

• Legal entities - 2945 rubles;
• Individuals, individual entrepreneurs - 2455 rubles.

Machines used as a taxi - 3677 rubles.

Trucks:

• With a maximum permissible weight of 16 tons - 2511 rubles;
• More than 16 tons - 4018 rubles.

Buses:

• With 20 passenger seats - 2009 rub .;
• With the number of seats 21 and more - 2511 rubles;
• Taxi - 3677 rubles.

Trolleybuses - 2009 rub.

Trams - 1252 rubles.

Tractors - 1507 rubles.

Territorial indicator

This ratio can greatly affect the calculations. It depends on the territory of the preferential operation of the TS. If the contract is made out to an individual, then the place of setting the car for registration is used, and for entrepreneurs - the place of state registration of the organization.

The largest coefficient of the OSAGO territory is used in megacities with active traffic and high concentration of road accidents (Kazan, Perm, Yakutsk, Chelyabinsk). For high-powered cars, high rates are also calculated. Therefore, it is better for car owners to register an SUV or truck with a relative living in the area. The new coefficients of compulsory motor TPL insurance for 2015 are presented in the table below. The indicators were increased for 11 districts, and for others, they were reduced. In Moscow, the value of the indicator remained the same.

Region	OSAGO - new coefficients
The Leningrad Region, the Kamchatka Territory, Adygea	1.3
The Republic of Tuva, the Chechen Republic, Jewish Autonomous Region, Baikonur	0.6
Zabaikalsky Krai, Magadan Region, Dagestan	0.6-0.7
Ingushetia	0.6-0.8
Saha Republic	0.6-1.2
Murmansk region	1.2-2.1
Mordovia	0.8-1.5
Amur region	1-1.6
Voronezh region	0.5-1.1
Ulyanovsk region	0.9-1.5
Chuvashia	0.8-1.7
Kurgan region	0.6-1.4
Chelyabinsk region	1-2.1
Mari El Republic	0.7-1

Bonus-malus

Otherwise, this indicator is called a discount for accident-free driving. It can significantly affect the cost of the policy. This coefficient is assigned based on the data on the presence / absence of payments to a particular driver, and not to the car. So the replacement of the TS or insurance company to change this indicator does not affect. The class is updated after one year from the date of the contract. The coefficients of compulsory motor TPL insurance are calculated according to the data of previous policies, if the break between contracts was not more than 12 months. Otherwise, the car owner is assigned a third base class.

Nuances

If for the past period the driver became the culprit of the accident, then it is applied to the increased coefficients of OSAGO. The new policy will cost 50% more. For the accident-free year, the customer receives a 5% discount. If the policy is formalized for the first time, the value of the indicator is 1. The maximum discount is 50%. If several drivers are inscribed in the policy (for example, the father draws up documents for the son), and one of them recently received the right, the indicator is calculated at the minimum rate. Thus, the cost of the OSAGO policy changes.

The new BM coefficients define the driver class. If, for example, a person had a 5th grade with a value of 0.9, and then because of his fault, an accident occurred, the next year the discount will drop to 5%, and the rating - to 3. If the next 12 months pass accident-free, then The driver expects a higher 6th level.

Receiving the information

Bonus-malus is formed on the basis of the history of insurance events. In order to track them, in 2013 a special RSA base was created. Each insurer within 15 days after signing the contract transfers the data to the regulator.

Age / experience

The more experience the driver accumulates, the lower the value of this indicator will be. But there are two important figures: the age of the driver (22 years) and 36 months of driving. In this case, the value of the indicator will be the highest - 1,8. If there are several drivers, the maximum value of the indicator is taken into account.

Restrictive coefficients for compulsory motor TPL insurance (2014)

Several drivers can be inscribed in the insurance. If they are listed by name in the policy, then their number does not matter (2 or 5). The coefficient of this will not change. But if the driver can not exactly tell who else will use the car, but allows such a possibility, then the value 1.8 is applied.

Seasonality

Many drivers use the vehicle only in the summer, and for the winter leave in the garage. Or they exploit the machine during long trips. In such cases, a seasonal policy is drawn up for any period of 3 months. The value of the indicator, equal to one, begins with 10 months of operation. With a shorter period, you can count on a small discount.

Coefficient of violations

It is used in such cases:

• Providing false information;
• Driving in a state of intoxication;
• Willful provocation of an accident;
• Departure from the scene;
• Being behind the wheel of a person who is not inscribed in the policy.

Indicators of the term of insurance and engine power

The first varies from 0.2 to 1 and is used only for foreigners or in case the car moves in transit. Engine power can be seen in the PTS. This coefficient is calculated depending on the horsepower. If the documents indicate kilowatts, the conversion is as follows: 1 kW = 1.359 liters. from.

Cars with a trailer

For these vehicles, a separate tariff is now not provided. But a special coefficient is developed, which depends on the type of trailer: from 1.15 to 1.45.

From scratch

Insurance history is set on a person who has the rights and controls the vehicle. But the data is reset, if within 12 months the driver was not entered in any policy of OSAGO. Example: not the owner of the vehicle can ask the car owner to conclude the contract without specifying the persons admitted to management. In 12 months its history will be canceled, it will be possible to sign the policy on its own. Owners of the TS will have to first re-register the documents for a relative, and then go by proxy.

Other changes

The possibility of concluding a contract for a period of less than one year is now absent. Such a need may arise, for example, if a car is purchased in one region, and the driver wants to register it in another. Previously, for such purposes, a policy was bought for several days. Now such insurance can be issued only for foreign cars. Therefore, warriors can only conclude seasonal contracts. For owners of vehicles with gas-cylinder equipment, a discount of 15% is provided.

The basic cost of policies in major cities of Russia

For example, take the maximum data rates for the driver for 23 years with a management experience of the vehicle for more than three years, which has a car with an engine capacity of 70-100 liters. from.

City	Old price (rub.)	New price (rub.)
Vladivostok	3964	6342
Khabarovsk	4814	7701
Irkutsk	4814	7701
Krasnoyarsk	5097	8154
Novosibirsk	4814	7701
Ekaterinburg	5097	8154
Chelyabinsk	5663	9513
Moscow	5663	9060
Krasnodar	5097	8154

Conclusion

In April 2015, the Bank of Russia changed the MTPL ratio by regions and basic tariffs. The innovations will be based on the growth of the maximum amount of payments and the economic crisis in the country. In general, the growth of tariffs was 40-60%. The coefficients of territorial affiliation have changed only in 11 regions. Basic tariffs also increased in all areas. There was a new coefficient for cars with a trailer. To issue insurance for several months for vehicles registered in the Russian Federation, it is only seasonal.