Do you need MTPL insurance for a motorcycle in 2021?

Registration of compulsory motor vehicle liability insurance for a motorcycle

For insurance companies, issuing an MTPL policy for motorcyclists is an unprofitable procedure, so they refuse to issue MTPL for a motorcycle, explaining this by the “lack of forms” and proposals to compulsorily issue so-called additional services. Insurers can also send the vehicle for additional inspection many kilometers from the insurance company’s office. Typically, an accepted application is considered by the insurance company for a month, and a positive result of the review is not guaranteed. The fine for not having an MTPL policy is 800 rubles. But when an insured event occurs involving a motorcycle in the absence of a compulsory motor liability insurance policy, problems arise not only for the owner of the motorcycle or the person authorized to drive the motorcycle, but also for the injured party, since it will be necessary to ask for compensation from the culprits not from the insurance company, but through court, which is an unpleasant, protracted and costly procedure.

Why is motorcycle insurance a problem?

The cost of an MTPL policy depends on the base tariff of the insurance company and the application of coefficients established by RSA (RSA-Russian Union of Insurers). The basic tariff is accepted by the insurance company itself within the framework of tariffs established by law. The basic tariff for motorcycles is from 867 rubles. up to 1579 rub. For comparison, for passenger cars the basic tariff is from 3,432 rubles. up to 4118 rub. Moreover, a motorcycle is a seasonal mode of transport; an MTPL policy for a motorcycle is issued for a period of 3 months, rarely for a year, which also reduces the cost of a MTPL policy for a motorcycle. Thus, initially the cost of an MTPL policy for a motorcycle is much lower than the cost of an MTPL policy for other vehicles. However, a motorcycle is more likely than other vehicles to become involved in an accident. And it turns out that the cost of a compulsory motor liability insurance policy is the lowest, and the likelihood of an insured event occurring, which leads to payment of compensation for damage by the insurance company, is very high. In such a situation, insurance companies refuse to issue a compulsory motor liability insurance policy or offer “conditions” under which the client does not agree to conclude an agreement for motorcycle auto insurance.

Solving the OSAGO problem - Autoplus

Rice. 1 Registration of compulsory motor vehicle liability insurance for a motorcycle

To obtain an MTPL insurance policy for a motorcycle, you can contact our company. Company managers will calculate the cost of an MTPL insurance policy for a motorcycle, taking into account all the coefficients and discounts found in the unified RSA database (RSA-Russian Union of Insurers), help you choose an insurance company, and discuss a convenient way to issue and deliver an MTPL policy. The company's courier service, if necessary, will deliver the completed documents at a time and place convenient for the client. Thus, issuing an MTPL policy for a motorcycle will take a minimum amount of time.

Application for motorcycle insurance

OSAGO for a motorcycle

Online calculation of the cost of compulsory motor insurance for a motorcycle

To calculate the cost of an MTPL policy for a motorcycle, you can use our MTPL calculator. To find out the price of the policy, enter the required data in the fields below, and then click calculate.

Calculation for all insurance

Enter the data once and calculate the cost of the MTPL policy for all top insurance companies.

Base rates

Always up-to-date base rates for all insurance companies, for all types of owner.

Online OSAGO

You can quickly apply for an MTPL policy online through our platform. Guarantee of official registration of the policy.

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How are payments made?

To receive an insurance payment, you must submit a written application to the insurance company within 15 days after a road accident and provide a package of documents, which includes:

passport and driver's license;
a valid insurance policy;
documents from the traffic police about the traffic accident or a European protocol completed and signed by both parties.

If the insurance company independently determines the guilt of a specific person in an accident, then it will additionally require:

a copy of the protocol on the administrative offense committed;
resolution on the decision made.

All documents can be obtained from the traffic police department that went to the scene of the accident.

At the next stage, the damaged vehicle is examined. First of all, the inspection is carried out by an employee of the insurance company and then, if necessary, the vehicle is sent for an independent examination.

The insurer has 20 days to inspect the vehicle and calculate the amount of insurance payment. After this period, compensation must be paid to the injured party.

The Law “On Compulsory Motor Liability Insurance” determines the limits of payments upon the occurrence of insured events. If damage is caused to property, the maximum amount of compensation is 400,000 rubles.

If a dispute arises between the insurer and the policyholder, for example, regarding the amount of accrued compensation payment, the legislation provides for the following procedure for their resolution:

pre-trial settlement. This stage is mandatory. Most disputes are resolved this way;
trial.

So, every motorcycle owner must purchase a vehicle license. When calculating the cost, all coefficients are taken into account, except for the parameter that depends on the power of the vehicle.

You can purchase a motorcycle policy from almost all insurance companies, both in person and online.

Documents for registration of compulsory motor vehicle liability insurance for a motorcycle

Rice. 2 Documents for registration of compulsory motor liability insurance - motorcycle

Motorcycle owner's passport
STS or PTS (STS-vehicle registration certificate; PTS-vehicle passport)
Driving license for category “A” of persons allowed to drive a motorcycle (in the event that certain persons are allowed to drive a motorcycle); if insurance for the motorcycle is without restrictions, then a driver’s license is not needed
A valid Diagnostic card confirming the passage of technical inspection for a motorcycle, contained in the EAISTO RSA database: EAISTO - Unified Automated Information System for Technical Inspection RSA - Russian Union of Motor Insurers.

Does a motorcycle really need MTPL?

As the law of the Russian Federation states, namely Federal Law No. 40, any type of transport that is capable of traveling on the road at more than 20 km/h must be insured. This law applies not only to motorcycles, but also to mopeds and ATVs.

Every motorcycle owner must undergo auto insurance. It is worth knowing that if there is no compulsory motor vehicle liability insurance for a motorcycle, its owner will receive a fine of 800 rubles.

Registration of MTPL is a mandatory procedure, since thanks to this insurance policy the motorcyclist protects his civil liability. To put it simply, the insurance organization, in the event of an accident in which the motorcycle driver is found to be at fault, will pay him the necessary compensation.

It is worth noting an important fact that payments under compulsory motor liability insurance apply exclusively to compensation for damage to the injured person, and not to the repair of the vehicle itself.

There are several main risks against which a motorcyclist can insure himself if he has a motorcycle:

Causing damage due to a traffic accident.
Hijacking.
Natural phenomena.
Illegal actions of third parties.

Types of motorcycle insurance

Currently, an MTPL insurance policy for a motorcycle can be issued in paper form or issued electronically. Both the OSAGO policy on paper and the OSAGO policy in electronic form must be in a single RSA database (RSA – Russian Union of Auto Insurers). Anyone can check the MTPL policy using the MTPL policy number on the official RSA website. The presence of an MTPL policy for a motorcycle in the RSA database confirms

Paper version

An MTPL policy for a motorcycle can be issued on the letterhead of the insurance company. The peculiarity of such a policy is that it is issued in a single copy with degrees of protection, including holographic. The driver must always carry such a policy with him and in case of loss or loss, such a policy can only be restored at the central office of the insurance company.

Electronic MTPL for a motorcycle

An MTPL policy for a motorcycle can also be issued electronically. This MTPL policy can be printed out as many times as you like, and you don’t have to be afraid of losing it. In theory, the principle of its registration is the convenience of registration for the client and the reduction of registration costs for insurance companies. But in real life, not everyone can issue an electronic MTPL policy for a motorcycle on their own, and for insurance companies, converting the MTPL policy into electronic form at the initial stage turned out to be very costly and unprofitable, since MTPL for a motorcycle is itself unprofitable. For example, in the case of a minor accident, the cost of compensation for damage caused by a motorcycle always exceeds the cost of the MTPL policy itself by tens of times.

Is it possible to apply for E-OSAGO for a motorcycle?

The very principle of issuing OSAGO electronically for a vehicle implies the smooth issuance of an E-OSAGO policy for any policyholder on the official website of the selected insurance company. The transfer of compulsory motor liability insurance policy registration into electronic form was introduced in order to optimize the compulsory motor liability insurance registration process, reduce costs and provide convenience for the client. But in practice, issuing an E-MTPL for a motorcycle on the official website of insurance companies is problematic for applicants and is not always possible. The policyholder registers on the official website of the selected insurance company, fills out the proposed interactive application form, attaches scans of the necessary documents, but the insurance company, for its part, does not always issue an E-MTPL for the motorcycle. Either this option is blocked, there are registration “errors”, or the system redirects to the RSA website, or the answer does not come at all.

Basic rates for compulsory motor vehicle liability insurance for a motorcycle

Below is a list of all basic rates when taking out a motor vehicle insurance policy. When calculating the cost of an MTPL policy for a motorcycle, the standard coefficients for calculating the cost of an MTPL policy are taken into account, which are multiplied by the base rate, which is determined by the Central Bank for motorcycles and mopeds. The table below shows the maximum and minimum value of the base rate. Insurance companies choose a base rate from a range below.

Owner type	Vehicle type	Base rate minimum\|maximum rub.
Individual	Motorcycles and mopeds	867 \| 1579

General issues

Taking out an MTPL policy for a motorcycle is a necessary expense obligation and one of the main documents for every motorcyclist who gets behind the wheel of such a dangerous vehicle. There are difficulties with issuing a compulsory motor liability insurance policy or there are none, but if the motorcycle starts moving, a compulsory motor liability insurance policy must be issued for it, located in the RSA database.

Do you need compulsory motor insurance for a motorcycle?

In accordance with current legislation, a vehicle traveling at a speed of more than 20 km/h must be insured. Whether insurance companies issue an MTPL policy for a motorcycle or not, the traffic police officer will not be satisfied with stories about the difficulties of insuring a motorcycle. If an accident occurs, the first remarks after the shock will be about the availability of insurance. Therefore, an MTPL policy for a motorcycle, a moped, a scooter, an ATV, or a tetracycle, if you want to leave the garage door, is necessary. The need for an MTPL policy for a motorcycle is due to the protection of the driver from civil liability and financial costs. Another important point is the correct choice of an insurance company, since the timeliness of payments for damages to a third party depends on the effectiveness of its work.

Do you need a diagnostic card for a motorcycle?

If the motorcycle is more than 3 years old from the date of manufacture (and not from the date of sale), then a diagnostic card confirming the passage of technical inspection is a mandatory document for issuing an MTPL policy. A diagnostic card for a motorcycle is issued for 2 years. 7 years after the motorcycle was manufactured, a diagnostic card is issued for 1 year. If 3 years have not passed since the year of manufacture of the motorcycle, then a diagnostic card confirming the technical inspection is not needed. The exception is when traveling abroad on a motorcycle. In this case, when crossing the border, you must present a valid diagnostic card confirming the completion of the technical inspection on a form.

OSAGO for motorcycles for regions

The situation when issuing an MTPL policy for a motorcycle, provided that the car owner is registered at the place of residence in the regions of the Russian Federation, is ambiguous and problematic. OSAGO for a motorcycle is in itself unprofitable, and insurance companies do not greet motorcyclists with open arms. The registration problem intensifies when a car owner from the region applies for registration of compulsory motor vehicle liability insurance for a motorcycle in Moscow. If you need to take out a motor vehicle insurance policy for the regions, you can contact our company. Our specialists will issue an MTPL policy for the region as soon as possible in a way convenient for the client. First, we will carry out a calculation taking into account all coefficients, including the regional coefficient and discounts contained in the RCA database. Then, with the client’s consent, an MTPL insurance policy will be issued for the motorcycle. The company operates a courier delivery service, so there will be no problems with the delivery of documents, if necessary.

Base rates for motorcycles

The range of base rates for calculating the cost of an MTPL policy is established at the federal level by the Central Bank. The type of vehicle solely determines the base rates allowed for insurance companies. Each insurance company itself sets the base rate for calculating the MTPL policy. For motorcycles, the Central Bank currently sets the size from 867 rubles. up to 1579 rub.

Payments under MTPL for a motorcycle

Firstly, it is always necessary to remember that if an insured event occurs due to the fault of a motorcycle, compensation for damage will not go towards restoring the motorcycle, but towards compensating the injured party.

Secondly, in order to receive payments in the event of an insured event, it is necessary to follow the established procedure in the event of an accident, namely: collect all the necessary documents, comply with the deadlines for contacting the insurance company and providing the necessary documents. All of these conditions are enshrined at the legislative level in the Law on Compulsory Motor Liability Insurance of April 25, 2002 No. 40-FZ.

Thirdly, in accordance with Article 19 of the MTPL Law, the amount of payments under MTPL for a motorcycle is up to 500 thousand rubles for damage to life and health, and up to 400 thousand rubles for damage to property. It should be noted here that recently, in case of damage to property, insurance companies have been repairing damaged property within the established limit (up to 400,000 rubles).

Refusals when applying for compulsory motor vehicle liability insurance for a motorcycle

Every motorcycle owner must have an MTPL policy, and no insurance company that has registered its activities in the Russian Union of Auto Insurers for motor insurance services should refuse to purchase a MTPL policy for a motorcycle. After all, there is an obligation under MTPL for a motorcycle, but the exercise of the right to purchase a MTPL policy, according to the motorcycle owners themselves, is not always exercised by insurance companies. Insurers refuse to issue MTPL for a motorcycle for various reasons. There are justified reasons: there are no documents necessary for concluding a motor insurance contract under compulsory motor liability insurance, the representative does not have a power of attorney, technical failures on the part of the registration system at the time of application, failure to provide the vehicle to the place of additional inspection. But there are also reasons for refusal of a different nature: the lack of forms for issuing compulsory motor vehicle liability insurance for a motorcycle, a proposal to fill out an application for issuing compulsory motor vehicle liability insurance for a motorcycle, and consider it after an additional inspection of the motorcycle in a place not located near the office of the insurance company.

The cost of MTPL for a motorcycle 250 cc, 400 cc.

The cost of MTPL for a 250 cc and 400 cc motorcycle is no different. The cost is influenced by the base rate set by a specific insurance company and coefficients, the parameters of which depend on the place of registration of the owner of the motorcycle and the length of service of drivers allowed to drive a motorcycle.

Motorcycle insurance 2021

So, in conclusion, it is worth saying a few words about the planned reforms in motorcycle insurance in 2021. Confirmed information by the Central Bank was that compulsory motor vehicle insurance in 2019 will be calculated at new tariffs, in fact, like compulsory motor vehicle insurance for other cars. The main change will be that the tariff corridor will expand by 20%, which will benefit motorcyclists and motorists.

The question may immediately arise as to why motor vehicle insurance will become more profitable for policyholders in 2019. There is nothing complicated about it. The fact is that from 2021, all tariffs for both MTPL for motorcycles and MTPL for other vehicles will be calculated completely on an individual basis.

Each motorcyclist will be assigned a single insurance history, which will include both the history where he was the owner of the motor vehicle and the history where he was a person allowed to drive it. In addition, when calculating the cost of an insurance policy for a motorcycle, new additional coefficients will be used, which will include such indicators as the age of the motorcycle, driving style and others. This will be necessary precisely so that motor vehicle insurance in 2021 is calculated completely individually for each policyholder, and is not tied to general statistics and general coefficients.

Also, one of the innovations in the field of insurance for motorcycles and cars in 2021 will be that the KBM will no longer be reset to zero in the event of a break in driving experience. This means that if there is a break in issuing insurance for a motorcycle, be it a year or two, or more, the KBM will not be reset to zero, but will remain the same as when the policy was last issued. It is also worth noting that when applying for an MTPL insurance policy for a motorcycle in 2019 for legal entities, the KBM will not be reset to zero during the break, but will remain the same.

How is the cost of car insurance for motorcycles determined?

A MTPL motorcycle insurance policy from different insurers will have different prices. The fact is that for motor vehicles, each insurance company has the right to set its own tariff for motor insurance, but within the limits established at the state level. To date, the following price corridor has been adopted: from 867 rubles to 1,579 rubles.

The cost of a motorcycle policy is calculated using a standard formula, which includes the basic motorcyclist liability insurance rate and the following coefficients:

Territorial district of the Federation in which the two-wheeled iron horse is registered.
Motorcyclist Bonus-Malus or abbreviated as KBM. It is important to know that a person will have one BMI value when calculating insurance for a car, and a different value for a motorcycle. This is due to the fact that motorized transport belongs to a category with a higher degree of risk than motor transport.
Taking into account the age and driving experience of the biker. The maximum value is applied when calculating insurance when the person driving a motor vehicle is under 22 years of age and the total driving experience does not exceed 3 years.
Limits the number of drivers allowed to operate a motorcycle.
Seasonality of policy use.

The owner of a two-wheeled vehicle, before insuring his civil liability, needs to decide how many months a year he will become a participant in road traffic. Does he need to purchase a motor vehicle license for the whole year if he does not use a motorcycle in winter? By taking out seasonal MTPL car insurance for the number of months he or she needs, a motorcyclist will be able to save money without breaking any laws. Moreover, the period of validity of car insurance may have interruptions.

The specificity of drawing up an insurance contract for a motorcycle is its relatively low cost, in comparison with cars and trucks.

It is precisely because of the low cost that many insurance companies refuse to insure this type of vehicle or try to issue a product with additional services.

Some companies are ready to issue MTPL for a motorcycle only if CASCO is issued.

The contract price is affected by:

Registration of the owner of the vehicle. Residents of small towns or villages will pay a minimum cost, unlike residents of a large city.
Age and experience of the driver who will be allowed to drive. According to the uniform rules, no more than 5 drivers can be included in the contract.
Insurance period. As a rule, motorcycle owners use the product only in the summer, so they purchase protection with a validity period of no more than 6 months. However, there are also drivers who drive the “iron friend” in winter.
The amount of the discount that is due to each driver who was not at fault in the accident.

You can generate the calculation yourself, using a special formula and uniform tariffs, which can be found on the official website of RSA. For the convenience of car enthusiasts, a single service has developed an online calculator with which you can find out the price of the contract in a matter of minutes. The service operates 24 hours a day completely free of charge.