The principle of operation of the calculator on the official website of RSA www.autoins.ru
The principle of operation of the calculator is estimation and multiplication of coefficients. All values are set by the Russian Government. If the coefficients for a particular driver are the same for all insurance companies, then the base rate is determined by auto insurers independently, but within the price corridor.
Expert opinion
Valery Volkov
Insurance expert and auto lawyer
OSAGO calculator
Since the beginning of this year, the range of basic tariffs has expanded. This means that prices for compulsory motor third party liability insurance (MTPL) from different insurance organizations will differ more. The MTPL calculator on the RSA website will perform calculations in accordance with the changes introduced.
How does an accident affect the price of the policy?
Since most car owners take out insurance for 1 year, changes are calculated for the same period of time. Changes in the value of the bonus-malus coefficient are entirely based on the table above. On average, the price of compulsory motor liability insurance after an accident increases by 10-30% of the cost.
For example, the person sitting behind the wheel has class 5 and, after just one accident, his indicator will increase from 0.9 to 1, which means the price will increase by 10%.
A driver who has reached level 12, if he causes just one accident, immediately loses 6 points and is transferred to class 6, the KBM increases from 0.55 to 0.85. Insurance after an accident increases by 30%.
It is important to know that the more often you contact the company for insurance payments, the higher the rate at which your insurance will increase after an accident.
For example, if the driver of a car with class 7 assigned to him, through his own fault, gets into two accidents in a year, then the BMR will become higher by 60%, with three or more calls - by 165%.
Therefore, how much insurance will cost after an accident directly depends on your driving skills and attentiveness on the road.
Description of calculating OSAGO online using the RSA calculator
Formula for calculating insurance
Base rate x power factor of the car engine x indicator of seasonality of car use x accident rate x indicator of place of residence x value of age and length of service x indicator of the number of drivers x violation rate.
The presence of a trailer on the vehicle is also taken into account
Step-by-step instruction
To calculate OSAGO RSA, enter information about the car. First of all, you need to indicate the status of the owner of the vehicle: an individual or an organization.
Then provide your car registration details. Is it registered in Russia or abroad, or is it moving towards the place of registration?
Select the type of vehicle: car, truck, bus, taxi, tractor, tram, trolleybus, motorcycle, moped, ATV or other. If the car has a trailer, then this is also taken into account when calculating the cost of OSAGO RSA.
Enter the engine power.
Next, enter information about the planned period of use of the machine. Only the total number of months will be taken into account.
The maximum term of the insurance contract is always 1 year .
The next step is choosing the KBM class. A beginner is always assigned class 3. The value increases or decreases depending on the fact of insured events in previous periods.
The value of your KBM
Fill in the information regarding the owner of the vehicle: place of residence, presence or absence of violations of the previous policy.
In order to correctly calculate the cost of compulsory motor liability insurance on the RSA page online, be sure to check who is allowed to drive the car. If the type of insurance is unlimited, then check this box. If the policy is purchased with a restriction, then you will need to indicate information about all admitted people: the age and length of service of each person.
After correctly filling out all the required fields, the system performs the calculation.
Setting the amount of payments - the basic formula
The unified methodology for calculating damage contains information on how to correctly calculate the amount of insurance compensation.
The following formula is used for calculations:
- RK = SR + SM + SD.
- RK is the total amount of compensation.
- CP is the cost of repair.
- CM is the cost of materials.
- CD is the cost of parts that need to be replaced.
- When calculating these indicators, the average market cost of parts, materials and repair work is taken into account. The maximum degree of deviation from the average market value can be no more than 10% .
- When calculating the cost of work (CP) and materials (CM), the date and region of the accident are taken into account.
- Calculation of CP and SM occurs on the basis of the standards specified in Appendix No. 3.
- Only those damages caused by road accidents are taken into account . If, for example, someone scratched a car before an accident, then the insurance company will not give money to paint over the scratch.
- It should also be remembered that when calculating the cost of parts (CP), wear should be taken into account. To do this, it is necessary to calculate the correction factor using a special complex formula; after this, you need to subtract this coefficient from unity, and the resulting result should be multiplied by the SD parameter.
It should be understood that the correction factor will always be less than one, so the full market value of the damaged part will not be returned to you.
And this is fair - after all, over time, many parts wear out, and if you are in an accident, the insurance company must only compensate for the market value of the old part.
- If the total amount of compensation exceeds the cost of a new car of the same make and model, then the insurance company will issue money not for repairs, but for the purchase of a new car . Often this approach is used when there is so much damage that it is much cheaper to buy a new car than to repair the old one.
Insurance coefficients for calculating compulsory motor liability insurance
Vehicle engine power
The more horsepower a vehicle has, the higher the ratio. The lowest indicator is for cars with an engine power of up to 50 hp, and over 150 hp. – the value becomes maximum.
Region in which the policyholder is registered
The region where the driver is registered plays an important role and is taken into account when calculating the cost of the contract. In those areas where, according to statistics, the most traffic accidents occur, the coefficient will be higher.
Expert opinion
Valery Volkov
Insurance expert and auto lawyer
OSAGO calculator
For example, in Moscow, Kazan, Perm and Chelyabinsk the coefficient is 2 . In Volgograd it is reduced to 1.3 , in Yekaterinburg and Krasnoyarsk it is 1.8 . Values for other cities and regions can be found on this page.
Driving experience
The older the driver and the longer his driving experience, the lower the coefficient will be.
Thus, a novice driver between the ages of 16 and 21 will have a maximum FAC, unlike a car enthusiast who is over 59 and has been driving for more than 14 years.
Number of drivers
Indicator of the number of drivers. It means that if the contract has an unlimited number of admitted people, then the system will apply a coefficient of 1.87. In this case, the age and experience of drivers will not matter at all.
When insuring with a certain number of people, the indicator will be calculated taking into account the data of each driver.
Insurance period
The cost of insurance increases as the period of use of the car increases. If you are going to use the car only for a few months a year, then the coefficient will be reducing.
Gross violations by the insured person
This means that if you violated a previous MTPL agreement, your insurance may increase by 1.5 times.
KBM
It is calculated for each driver individually, taking into account accident-free driving over the past period.
From April 1, 2021, the coefficient is determined once a year and is valid until the end of the term (from April 1 to March 31). The KBM is entered into the general database of insurance companies and does not change when choosing another organization for issuing policies.
How to calculate damage under compulsory motor liability insurance
Let's try to calculate the amount of damage ourselves:
- Let us have a car CHERY TIGGO (T11). Let's assume that the car was released in 2012. Its mileage was 70 thousand kilometers.
- In March 2021, an accident occurred.
- Let's first calculate the degree of wear . To do this, you can use a special complex formula; You can also use a special online calculator. Regardless of the calculation method, we will get a wear rate of 0.35 (or 35%).
- Let us remind you that the amount of compensation is calculated according to the following formula : amount of compensation (RK) = cost of materials (CM) + cost of repairs (SR) + cost of parts (SD).
- Let's first calculate the SD parameter (cost of parts). Suppose we should buy a bumper, a right headlight and a mount for the right headlight. To do this, let's go to several sites and find out how much the same parts will cost on different sites (we will visit 3 sites). After this, you should calculate the arithmetic average (this will be the average market value). Let the bumper cost 3,600, 3,400 and 3,200 rubles on different sites - then the arithmetic average will be 3,400 rubles. Using the same scheme, we will calculate the cost of the headlight and headlight mount - let their average market price be 3,000 rubles and 800 rubles, respectively. Now let's add up these three numbers - we get 7,200 rubles. Now let's calculate the cost of parts taking into account wear: (1 - 0.35) * 7,200 = 4,680 rubles.
- Let us now calculate the CP parameter (repair cost). Let us only need to repair the wheel arch and carry out wheel balancing. Let the average market price of a standard hour in cases 1 and 2 be 1,000 rubles each. Now let’s open Appendix No. 3 - it states that the standard is 3.0 and 0.1 in the first and second cases, respectively. Let's calculate the CP: CP = 3.0 * 1.000 + 0.1 * 1.000 = 3.100 rubles.
- Now let's calculate the CM parameter (cost of materials). Let's say we should paint the new bumper and bumper mount. Let's assume that the average market price for a standard hour is 1,200 and 500 rubles, respectively. Let's open the application - it states that the standard is 1.0 and 0.4, respectively. Let's calculate CM: CM = 1.0 * 1.200 + 0.4 * 500 = 1.200 + 200 = 1.400 rubles.
- Now we have all the data. Let us now calculate the amount of the insurance payment : RK = SM + SR + SD = 1,400 + 3,100 + 4,680 = 9,180 rubles.
How to calculate the cost of compulsory motor liability insurance for a trailer for a passenger car for an individual
To calculate the cost of an MTPL policy, the presence or absence of a trailer must be indicated on the PCA page. But in what specific cases is it necessary to draw up a separate agreement? How does a trailer affect the price of insurance?
According to the traffic rules, a trailer intended for trucks is subject to compulsory insurance, regardless of whether the owner is an individual or a legal entity.
Organizations are required to register a trailer hitch for all types of vehicles.
But as for individuals using a trailer for passenger cars, there is no need to draw up an insurance contract. But this is only if the vehicle weight is less than 750 kg. And the total weight with the trailer is no more than 3500 kg.
An insurance contract for a trailer does not need to be drawn up for private individuals only on the territory of the Russian Federation. A policy will be required if you plan to travel outside the country.
What is a status check?
An insured event has occurred, but the company refuses to pay, what should I do? The driver has the right to seek help from the Russian Union of Auto Insurers. The organization will open a payment case.
But first, the motorist will need to collect documents that will indicate the occurrence of an insured event, as well as present facts confirming the auto insurer’s refusal to compensate. After which the RSA payment file is opened and numbered.
A responsible employee is appointed who will conduct a thorough check of the specific case and make an appropriate decision. But it won't be immediate. According to Federal Law No. 40 “On Compulsory Motor Liability Insurance” the process can last up to 20 days. During this time, you have the right to monitor the progress of your case. This will be a check of the status of the RSA payment case.
What does “The cost is calculated taking into account the maximum allowable insurance premium” mean?
The law of the Russian Federation regarding compulsory motor liability insurance also establishes the maximum possible policy level. It cannot be higher than three times the base rate multiplied by the place of residence. In case of violation of the terms of the previous policy, the maximum cost is determined by five times the tariff multiplied by CT.
When you see a phrase on your screen about the maximum allowable cost, it means that it was even higher, but in accordance with the rules, the calculator reduced it to the maximum allowable values.
Ways to check the status of a payment case
Who can use the site for verification
The official website of the RSA for checking the status of a payment case is available to anyone who has the necessary information. This may be either the injured party or the culprit of the accident.
How to find out the status on the site
You can find out the status on the official website of the Union of Insurers - https://autoins.ru/. On the main page there is a link to go to the “Compensation payments” section. It is located slightly lower in the center on a red background. Click the “ More details ” button. Then find the section “ Find out the status of your payment case online .” It's on the last line. Click on it, you will be taken to the verification page.
Each payment case is assigned an individual number upon opening. You could receive it in an SMS notification, or find out directly from an RSA employee. Enter the number in the appropriate line. Please enter the date of the accident below. After the mandatory security check procedure, click the “ Search ” button. The status of the payment case will appear on the screen of your device.
If you do not know or cannot find the individual number, click the appropriate button, it is located at the bottom of the page, under the form. In the new window you will need to provide information about the applicant, i.e. about the injured party. The second is to indicate the time of the accident. Go through the anti-bot check and click the “ Search ” button.
Calculation formula
The required indicator will help you independently calculate the depreciation calculator for compulsory motor liability insurance for 2021. It is offered on many trusted resources, including the websites of insurance companies. This is a program that contains a special formula that allows you to calculate the degree of depreciation of a car or certain parts. It looks like this:
Iki = 100 x (1 – e – (Kvl x Tki + Kvp x Pts)), where
Iki - wear of a specific spare part or assembly (expressed as a percentage).
e is the base of the natural logarithm and is approximately 2.72.
What will be in the act?
But the most important thing is the impossibility in 2021 of legally obtaining a full calculation of compensation for both payment and repair. The law does not oblige the insurer to provide detailed calculations. The Rules contain only the word “calculation”, and it gives quite a lot of steps aside for the insurance company.
In practice, victims of road accidents most often receive the following information in the report:
- full amount of compensation for damages,
- total cost of spare parts,
- the total cost of replacement, painting, etc.
But it is unlikely that you will be able to find out the cost of each spare part or each item of work. The insurer’s answer is simple: “The law obliges us to provide a calculation, so we provided it.”
