How to insure a bus under OSAGO

January 13, 2020

After amendments to the current legislation, all insurance companies are required to provide auto insurance services electronically. Despite this, many car owners prefer to act the old fashioned way, personally coming to the office and concluding an agreement. In fact, there is nothing complicated about registering e-OSAGO yourself. This is a full-fledged policy with full legal force. Let's try to figure out how to get insurance online for your car and what documents you will need for this. In addition, we will analyze in detail the advantages and disadvantages of online insurance, and provide step-by-step instructions for purchasing e-MTPL.

Advantages and disadvantages

First, a little theory. So, according to the provisions of Federal Law No. 40-FZ, which regulates the procedure for motor third-party liability insurance, all car owners, without exception, must have compulsory motor liability insurance. If upon inspection it turns out that the document is missing or lost, the driver will be held administratively liable.

Is it possible to issue an MTPL policy online now? Yes, you can . This opportunity appeared in 2015, and now all insurance companies are required to provide their clients with auto insurance services electronically. In its legal form, e-OSAGO is a complete analogue of a paper policy.

The advantages of electronic insurance include the following:

• Saving time - no need to personally go to the office to fill out the contract form;
• Saving money - insurance company agents will not be able to impose additional services;
• The policy cannot be lost - the document is sent by email and is also saved in the “Personal Account” on the auto insurer’s Internet resource;
• Practicality – you can carry a paper printout with you, which does not require additional certification;
• Convenience is a direct benefit for residents of remote areas where there are no offices of large insurance companies;
• Legal purity - despite popular opinions, the risks of fraud with e-OSAGO are minimized.

The disadvantages include:

• Inaccessibility for beginners - such an agreement can be drawn up only if the RSA database already contains information about the driver;
• Problems with the traffic police - not all police officers consider it as a valid document;
• Accuracy of filling out - any typo makes the policy invalid, therefore, the insurance company can legally refuse to pay.

Which companies offer the cheapest MTPL insurance?

Insurers choose the base rate within the currency corridor separately for each region, so it is impossible to answer the question unambiguously. For example, Ingosstrakh offers a relatively low rate in Moscow (3,432 rubles), but in St. Petersburg, Samara and Vladivostok it chose a fairly high figure - 4,118 rubles. And vice versa: Rosgosstrakh has set a tariff of 4118 rubles for Moscow and St. Petersburg, for residents of Samara it will be 3432 rubles, Vladivostok - 3551 rubles.

In addition, companies set rates annually and can change them once a year. For this reason, any information on the Internet may immediately become irrelevant. So, if you want to buy a policy online inexpensively, just use our calculator. The data in our service always reflects the real situation at the moment, since we receive all the figures for calculation directly from the insurance companies themselves online.

How to choose a bona fide insurer

Now let’s talk about how to apply for and receive an electronic e-MTPL policy through the insurance company’s website. First of all, the car owner needs to choose a suitable insurer. Let us immediately note that the cost of a car title is regulated at the state level, although the law leaves a certain price corridor for insurance companies. Therefore, the total cost of the contract is approximately the same everywhere, but the final price is calculated taking into account the applied coefficients: bonus-malus, territorial, number of drivers, etc.

Despite this, the choice of insurer must be approached as responsibly as possible. First of all, you should pay attention to the following indicators:

• Customer reviews - especially those related to insurance payments;
• The authorized capital of the company - the more solid the numbers, the more reliable the insurer;
• Duration of work - it is better to give preference to companies that have worked in the insurance market for more than 8 years;
• Rating – companies with a high level of reliability are classified on a rating scale as “A”, “A+” and “A++”.

Registration procedure

There are no fundamental differences in car insurance for large passenger vehicles and passenger cars. The easiest way is if the driver has already used the services of the selected insurance company, as this allows you to reduce the period for obtaining the policy.

Requested documents

To buy insurance at the insurance company office or purchase compulsory motor liability insurance for a bus online, the owner must provide a number of certificates. First of all, you need to write an application. It must be drawn up according to a standard template, which can be obtained directly from a company representative.

In addition to the application, the following documents are required:

• Civil passport (identity of the policyholder);
• PTS;
• STS;
• Diagnostic card (for buses older than 3 years);

When applying for insurance by legal entities, the constituent documents of the enterprise may be required. If the policy is not received personally by the owner of the car, then to purchase compulsory motor liability insurance you will need a notarized power of attorney.

Basic rates

Many factors are taken into account when calculating the cost. The main criterion influencing the price is the rate. From 2021, new tariffs for compulsory motor vehicle liability insurance are in effect for all vehicles, including buses.

For minibuses that regularly depart and constantly disembark and pick up passengers, higher base fares apply. The minimum bet is 4110 rubles. while the maximum reaches 7399.

Cost calculation

The price of the policy can vary significantly depending on the company chosen. Despite this, according to the law, insurance companies do not have the right to inflate the amount of the insurance premium.

The following criteria are taken into account when calculating:

• Age of the vehicle (old buses break down more often, so the cost of compulsory motor insurance is higher);
• Technical characteristics (especially engine power);
• The region in which insurance is issued;
• Age and length of service of the driver (relevant when applying for compulsory motor liability insurance by individuals);
• Accident-free rate;
• Availability of additional services.

To eliminate the difficulties associated with calculations, it is recommended to use the OSAGO calculator. This method prevents the possibility of errors and allows you to quickly determine the cost of a vehicle title.

How to properly register and purchase compulsory motor liability insurance

We will provide instructions for registration and tell you in detail how to obtain an MTPL policy in electronic form. To do this you need to follow a few simple steps.

Log in to the insurer's website

To do this, you will need a valid e-mail and mobile phone number. Using this data, you can create a “Personal Account” on the website of the selected insurer. Please note that contacts must be real and valid. A login password is sent to your phone number, and an insurance policy is sent to your email.

Fill out an application

A sample is available on the insurance company's website. The user must fill in all required fields with accurate information. In particular, the application shall indicate the following information:

• Car characteristics;
• Diagnostic card number;
• Owner details;
• Data of persons admitted to management;
• Contract time;
• Additional services (if necessary).

The documents you will need are:

1. Russian passport;
2. Driver's license: owner and all persons included in the insurance;
3. PTS;
4. Diagnostic card.

The specified information will be checked against the RCA database, and based on the results of the check, the system will calculate the cost of the policy.

Determine the cost

The price of e-OSAGO can be found out without concluding a contract. To do this, there is an online calculator on the website of any insurer. The main influence on the cost is exerted by the following indicators:

• Accident-free driving experience;
• Engine power and car model;
• Region of residence;
• Period of insurance coverage;
• Number of persons admitted to management.

Remit payment

You can pay for an electronic MTPL policy for a car with a bank card. To carry out a transaction, you need to indicate your payment details and click the “PAY” button. Verified insurers have payment pages protected by a special protocol.

Receive an electronic document

After confirmation of payment, a PDF file with the e-MTPL policy will be sent to the client’s email. The document must be printed out and taken with you; additional certification is not required for such a policy. The duplicate is stored in the “Personal Account” on the insurance company’s website. But in general it is no longer necessary to carry a printout; you can show the electronic version of the document on your smartphone when checking.

Features of obtaining a policy

In most cases, passenger vehicles are operated on a commercial basis. Legal entities are allowed to insure a MTPL bus only for an unlimited number of drivers.

The option in which a certain number of people allowed to drive is included in the policy is not used. This is explained by the fact that if one of those who manages the vehicle is fired, he can be replaced by another without the need to be included in the contract.

Thus, for buses, MTPL insurance is available only in the unlimited type. Individuals can obtain a policy for a certain number of drivers, but this opportunity is not offered by every company.

Possible difficulties in obtaining e-OSAGO

Even if you do everything correctly, you may not be able to get online car insurance for the following reasons:

• Technical glitches . They happen quite often, however, the insurer is obliged to notify in advance about any preventive work.
• Intermediaries . They offer assistance in providing the policy, and promise to make the policy cheaper.
• Regional attachment . If there are no insurer offices in the region, it will not be possible to obtain e-OSAGO from this particular company.
• You cannot insure a car by proxy . An electronic policy can only be issued by the owner of the car.

Authentication

We’ve figured out how to buy online car insurance online, now let’s talk about how to check the legal status of the document. Everything is very simple here. All data is transferred to RSA, so to check you need to go to the website of this organization and indicate the VIN and registration number of the car in the appropriate fields. If the data does not match, you should send a claim to the insurance company where the policy was issued.

Insurance via the Internet

When considering where to apply for compulsory motor liability insurance for a bus, you should keep in mind that you can purchase a policy not only at the company’s office. At the moment, purchasing a car license can be done without difficulty on the websites of insurance companies or special services. To do this, it is enough to have an Internet connection.

The companies where you can purchase MTPL online for a bus include:

• Alfa insurance;
• Rosgosstrakh;
• Ingosstrakh;
• RESO;
• MAX;
• Tinkoff;
• Agreement.

When applying for an electronic policy online, you will also need to provide the above documents. The advantage of this method is that the driver does not have to waste time visiting the office. You can fill out an application and calculate the cost in a matter of minutes. In the future, you will only need to undergo a technical inspection and provide a diagnostic card.

Online insurance is a completely legal method. After concluding a contract, the driver will receive an electronic contract, which is registered in the database and, in its legal properties, does not differ from a regular paper policy. Many companies provide discounts when registering online, which allows you to save on the procedure.

For every owner of a passenger vehicle, the relevant question is where to insure a bus under compulsory motor liability insurance. Unfortunately, obtaining such a policy is often accompanied by difficulties. Therefore, drivers need to know the specifics of the procedure and, if necessary, be able to defend their own rights.