OSAGO without inspection. Myth or reality?

In July 2012 motorists of Russia received good news. The State Duma has allowed to insure vehicles on compulsory motor TPL insurance with vehicle inspection coupons that have been operating for less than six months. In addition, the new law provides for the possibility of obtaining a short-term MTPL policy without a vehicle inspection for a period of 20 days. In the near future, a new draft law will be submitted to the State Duma for consideration, providing for a permanent MTPL policy without inspection.

The key point of the new bill is the return of drivers the right to insure the car before passing a technical inspection. The reason is that today operators who have the right to carry out inspection, do not cope with the flow of those wishing to conduct an inspection of the car. Often the owners of vehicles at their own risk and exploit the car without having insurance.

To date, amendments to the law make it possible to acquire a MTPL policy without inspection, but it is still worth observing certain conditions. Previously, drivers could obtain a policy only for following to the place where the registration will be carried out. Now the policy can be purchased and in order to get to the place of the first or repeated maintenance.

The innovation was approved by car owners, as previously many of them had to resort to the services of the tow truck, so as not to violate the existing traffic rules. If necessary, today you can purchase a MTPL policy without a vehicle inspection for a period of 20 days and get to the point of maintenance, without violating the rules. In all other cases, you still have to undergo a technical check-up for obtaining insurance.

Some drivers are of the opinion that insurance is only needed for beginners and drivers, and do not consider it necessary to insure their "iron horse" for OSAGO. In fact, driving without OSAGO is fraught with serious consequences. Legislation of Russia provides for compulsory insurance of any vehicle. In the absence of a policy, drivers risk getting a fine from 100 to 800 rubles. In addition, the traffic police, having identified such an offense, are even entitled to prohibit the operation of the car and to remove the registration numbers.

In order to understand how the compulsory motor TPL insurance is calculated, you need to contact any insurance company of interest to you. Some car owners believe that the price of the policy is determined by the insurer, in fact, it is not. The cost of insurance consists of the coefficients and tariffs established by the state. Insurance companies have no right to understate or overstate the cost of the policy. Legislation prohibits any discounts, promotions, gifts when buying insurance. The price of the policy depends on the brand of the car, its age, frequency of use, the length of service of the driver. Also, the region where the vehicle is registered , the engine capacity, the number of drivers that will be inscribed in the policy is relevant.

MTPL is calculated based on the basic tariffs that are set by the government. The specialist multiplies the base rate by the coefficients of OSAGO, which can reduce the cost of insurance, or, conversely, make it more expensive. The more the experience and age of the driver, the lower the coefficient, accordingly, the insurance will be cheaper.

The term of insurance also affects the cost, it is most advantageous to purchase a policy for 10 months or more, then it will be possible to save a considerable amount.

The state encourages those drivers who ride carefully and do not fall into accidents. For accident-free driving, car owners are entitled to a premium of 5% for each year without an accident. The maximum possible discount is 50%. In the event of an insured event, the coefficient increases by 50%. Therefore, every driver should be very attentive behind the wheel: this is not only safe, but also profitable.