OSAGO calculator for trucks

Features of the MTPL policy for a truck

Registration of an insurance policy for a truck is carried out using a similar method as for a passenger car, but there are some differences. They consist in the amount of insurance payments, as well as in the package of documents required for registration of compulsory motor liability insurance.

There are administrative penalties for driving an uninsured vehicle. Therefore, every vehicle, regardless of size, must have an MTPL insurance policy. According to the legislation of the Russian Federation, any transport for which an insurance policy is issued must be registered in the country.

When driving a truck, a person is exposed to risks on the road. In an accident, people or other vehicles may be injured. The MTPL insurance policy covers the costs of repairing a damaged car or restoring a person’s health. But it does not cover the cost of repairing your own car if the owner is at fault. The principle of auto insurance is to cover the costs of the injured party.

In order for insurance to cover the costs of repairing your own vehicle, even if the culprit of the accident is the owner of the truck, you must take out CASCO insurance.

At the moment, getting compulsory motor vehicle liability insurance for a truck is not worth the large financial costs. You can also insure both the car itself and the cargo being transported. Since a truck rarely suffers serious damage in an accident, the prices for an insurance policy are significantly lower than for passenger vehicles. Plus, insurance companies constantly offer all kinds of discounts, which makes it possible to take out a policy on more favorable terms.

When concluding an agreement with an insurance company, the vehicle owner must specify in what situations partial or full compensation for damage to the injured party will be made.

The main risk factors that are often included in the contract are:

• Car theft. Even despite the significant dimensions of the vehicle, cases of theft are quite common;
• Car wear and tear;
• Transport accidents;
• Accidents caused by natural factors;
• Damage to the car as a result of vandals.

The more points are included in the contract, the higher the final cost of the MTPL policy, but accordingly the driver on the road feels more protected.

Why OSAGO is so necessary for a truck

Imagine the financial cost if a truck driver were to cause an accident involving a passenger car. Even if the collision was quite weak, taking into account the design features and the difference in weight of cars and trucks, a passenger car will receive much more serious damage than a heavy truck.

At the same time, it is far from uncommon for a truck to hit not one, but several cars at once, and this can happen completely by accident, if only because of banal blind spots or the inexperience of other road users.

If in such a situation the truck driver does not have an MTPL policy, then he will have to compensate for all the damage caused from his own pocket, and the amount in such a situation can easily reach several hundred thousand rubles.

If the driver has an MTPL policy, the insurance company will cover the damage caused to other cars, and the truck owner will only have to spend money on repairing his own car, which will cost a much smaller amount.

Do you think compulsory motor vehicle liability insurance for a truck is expensive? Then we will make you happy - this is not so. Use our OSAGO calculator for trucks and see for yourself. The calculation will only take you a couple of minutes, and it's free.

Technical inspection for MTPL policy

To apply for compulsory motor liability insurance with any insurance company, you must undergo a technical inspection. The exception is new trucks up to 3 years old. It is necessary to undergo technical inspection at an accredited service station. Upon completion of the inspection, the owner of the car receives a diagnostic card, which is what will be needed to apply for compulsory motor liability insurance.

The diagnostic card is issued in two versions, one is kept by the driver, the other is kept by the person who diagnosed the car. Also, technical inspection data is entered into a single database and becomes available to all insurance companies. So that they can check the authenticity of the truck owner’s diagnostic card at any time.

Traffic police officers do not have the authority to check the presence of a diagnostic card. This is done by employees of insurance companies. If compulsory motor liability insurance is issued for a faulty car, then this can only be detected in an accident that occurred due to a breakdown of the vehicle. Then the insurance company may refuse to pay. Especially if the diagnostic card is expired or completely absent.

Features of technical inspection for freight transport:

• If the car is between 3 and 7 years old, inspection is carried out twice a year;
• Cars older than 7 years are subject to annual diagnostics, as are cars with a carrying capacity of more than 16 tons;
• Freight transport transporting dangerous goods is subject to mandatory inspection once every 6 months;
• Insurance companies are prohibited from issuing compulsory motor liability insurance for vehicles that are known to be defective.

If the car is sold or the policy expires, the vehicle owner has 20 days to re-issue all documents.

How to apply for a policy

The procedure for issuing compulsory motor vehicle liability insurance for a truck, as well as its type and content, are practically no different from a policy for a passenger car. To obtain insurance, you will need to visit the insurance company office with a set package of documents. You can purchase it online on the official website of the organization.

Before going to the UK, the owner of the truck must undergo a vehicle inspection. To do this, you should contact organizations that have all the necessary licenses and certificates. After paying for the service, a service station employee will inspect the vehicle and record all its technical parameters in a diagnostic card, which will be entered into a unified database.

If the truck's systems and components do not meet the standards, the inspector will issue the owner with a notice indicating what must be corrected. The driver is obliged to correct the defects within 20 days and provide the car for re-inspection. If you miss this deadline, you will need to pay again to complete the inspection.

After receiving the diagnostic card, you need to collect a package of documents and submit it to the insurer’s office. The list of securities is determined at the legislative level and enshrined in No. 40-FZ.

Documents for individuals

To apply for compulsory motor vehicle liability insurance for a truck, an individual will need to provide the following documents:

• PTS or STS;
• diagnostic card;
• passport and driver's license of the policyholder;
• MTPL policy for the previous year (if available).

If the registration of insurance is not carried out by the owner of the vehicle, but by his representative, then you will additionally need to present a notarized power of attorney in his name.

When concluding an agreement with a limited number of persons allowed to drive a car, it is necessary to transfer the driver's license of each of them.

Documents for legal entities

When registering compulsory motor vehicle liability insurance for a truck, a legal entity provides the following set of documents:

• registration certificate of the organization (extract from the Unified State Register of Legal Entities);
• applicant's passport;
• PTS and STS cars;
• a valid diagnostic card;
• MTPL policy for the past year (if available);
• a list of drivers who will be allowed to drive and copies of their driver’s licenses.

If compulsory motor liability insurance is not issued by the head of the company, then you need to present a notarized power of attorney from the director of the enterprise in the name of the individual buying the insurance.

Where can I apply?

You can purchase an insurance policy only from a company that has the appropriate license. Therefore, it is important for the truck owner to check in advance that the company has all the relevant documents. After all, if the license of the insurers is terminated, the compulsory motor liability insurance issued by them for freight vehicles will automatically become invalid.

Below are insurance companies that have proven themselves in the market:

When choosing an insurance company, you need to take into account all factors: how it has proven itself in the market, the level of trust and customer reviews. All insurers work with prices set by the state, but some raise the maximum threshold, while others, on the contrary, lower it. Before making a decision, it is better to study several offers and choose the most profitable package of services for yourself.

Who needs foreign compulsory motor liability insurance?

• Citizens of foreign countries using a vehicle registered abroad and staying for a long time in Russia
• Owners of vehicles who have not issued a green card on the territory of their state
• Vehicle owners with an expired green card
• Vehicles crossing the territory of the Russian Federation in transit
• Citizens of the Russian Federation using a foreign car in Russia

OSAGO for foreign cars is mandatory on the territory of the Russian Federation in the absence of a Green Card

Below are the tariffs for compulsory motor liability insurance for foreign cars. The cost of OSAGO is indicated in the approximate range and may vary depending on various variables. Vehicle categories: cars, motorcycles, trucks, buses, trailers for cars and trucks.

How to calculate the cost

The cost is calculated according to the basic tariff established by the state, and individual coefficients are added to it. Therefore, the cost for each vehicle is different. At the moment, the basic tariff for freight transport is:

• up to 16 tons – 3500-4210 rubles;
• from 16 tons – 4280-6340 rubles.

As an example, insurance companies set an average rate, which, when taking out a policy, can change either down or up. The main factors influencing the cost of a car license:

• Number of drivers driving the vehicle;
• Truck power;
• Region where the car is registered;
• The driver's driving experience and age;
• What time of year is the machine most often used?
• Driver accident rate (if it is low, this can significantly reduce the price);
• Violations and fines that the driver received over the past year.

Each person driving a truck must be registered in the policy. If the company still does not know for sure which drivers will drive during the year, it is better to apply for compulsory motor liability insurance without restrictions.

In order not to bother yourself with calculations, it is most convenient to use an online calculator, which will calculate the cost of compulsory motor liability insurance in a couple of minutes.

Documents for registration to an individual

The driver of his own vehicle (an individual) must submit the following package of documents to obtain an insurance policy:

• Documents for the car (passport);
• Driver's license and other identification documents;
• Valid diagnostic card;
• Old policy (if any), in case of accident-free driving, you can count on a discount;
• Documents confirming the purchase of the car;
• Vehicle registration certificate;
• If compulsory motor liability insurance is issued in the absence of the car owner, then the person issuing the policy must have a notarized power of attorney.

If the truck will be driven by other drivers, then it is necessary to submit identification documents for each.

How to get an MTPL policy for a truck?

Today you can apply for compulsory motor liability insurance directly at the company’s office, as well as remotely via the Internet.

A truck policy is issued for a period of 3 months to one year, after which the contract must be renewed. Transport must be registered on the territory of the Russian Federation.

Required documents

For an individual, the following documents are required:

• passport;
• driver's license;
• vehicle passport;
• vehicle registration certificate;
• copies of driver's licenses of those persons who may be allowed to drive a vehicle;
• diagnostic card;
• insurance contract of the previous period, if one was issued.

The peculiarity of obtaining an insurance policy by a legal entity is that it, as a rule, allows an unlimited number of persons to drive a vehicle.

Let's celebrate! It is understood that the liability of any employee of the organization who gets behind the wheel is insured. And also, instead of an identification document of an individual, you should attach the details of the organization certified by the seal and signature of the director.

Buying an MTPL policy online

Let's look at several steps required to purchase a compulsory motor liability insurance policy online:

1. First you need to decide on the choice of insurance company;

2. Next, in a special section of the site, you need to familiarize yourself with the conditions for issuing an MTPL policy and the tariffs for them. Although base rates are set by the government, prices may vary slightly among different insurance companies. Additionally, various additional services may be offered, which the client has the right to refuse;

3. Fill out the proposed form, in which you must indicate information from the following documents:

• passports;
• driver's license;
• STS;
• PTS;
• diagnostic card;

4. Payment for services. As a rule, funds are written off by debiting funds from a bank card. But other payment methods may also be provided;

5. The final stage is obtaining an insurance policy. After checking the submitted form, the client receives a notification that the policy is ready, which he can receive at the company’s office or via courier delivery.

Documents for registration to a legal entity

When applying for an insurance policy for legal entities with a staff of drivers, you need to prepare the following documents:

• A document confirming the purchase of this truck;
• Certificate of registration of the company;
• Diagnostic card (must not be expired);
• Vehicle registration certificate;
• List of drivers driving the truck, their passports and driver's license numbers;
• A power of attorney, certified by a notary, for the person who represents the interests of the company and issues the policy.

If the staff of drivers is constantly changing, then their list does not need to be submitted. In this case, the calculation follows a different principle and a policy is issued without restrictions.

Registration procedure

Regardless of the campaign in which compulsory motor liability insurance is issued, the procedure remains the same. The main steps for successfully obtaining a policy:

• Choose a reliable insurance company;
• Submit an application and indicate the list of required documents;
• Insurers review the application, check the accuracy of the data;
• After the application is approved, the truck owner is invited to a meeting and the exact cost of the policy is calculated;
• The client makes payment according to the receipt, payment in installments is possible;
• This is often followed by the final step - the signing of the insurance contract and the client is issued with compulsory motor liability insurance.

The policy is issued for a period of one year. An exception is made for foreigners; their vehicles can be insured for the entire period of residence in the country, but not more than 5 years.

Rules for issuing compulsory motor liability insurance for trucks

Individuals and organizations should be aware that insurance for the type of car in question occurs in a similar manner as for other vehicles. However, there are some differences. They consist in the amount of insurance payments made upon receipt of the policy. In addition, the package of documentation required to draw up an insurance agreement is changing.

It is important to note that administrative legislation provides for liability for the fact that a citizen drives a car that is not insured. For this reason, all vehicles, regardless of what category they belong to, must be insured. The legislator indicates that the policy can only be issued for a car that has been registered in the country. When a citizen drives a vehicle classified as a freight vehicle, he is exposed to certain risks.

This is due to the fact that if an emergency occurs, harm may be caused to another citizen or car. The MTPL policy for trucks in this situation is used to pay compensation to the injured parties. This applies not only to harm caused to the vehicle, but also to human health. It is important to note that such a payment cannot be used to carry out repair work on the offender’s car.

ATTENTION !!! Insurance operates on the principle of covering expenses incurred by the injured party. If it is necessary that the policy could be used to cover damage caused to your car, then you need to draw up a document under the CASCO program.

Currently, obtaining insurance for the cars in question does not require large financial investments. In addition to the car, it will be possible to conclude an insurance agreement in relation to the transported cargo. Due to the fact that it is not often possible to sustain serious injuries during a collision, the cost of the policy is less than that for passenger cars.

IMPORTANT !!! In addition, insurers have developed various discount programs. This helps to process the document on more favorable terms. The citizen will need to indicate in what situation compensation will be made in full or in part.

Often the agreement reflects the following risk factors:

• cases when a car is stolen (such situations often occur in this area, even despite the fact that the size of the car is not small);
• the vehicle is worn out;
• an accident occurred;
• Road accidents as a result of exposure to natural factors;
• actions of vandals, which caused the damage.

Depending on the number of items included in the agreement, the cost changes. Accordingly, the more there are, the higher the price.

Electronic MTPL

At the moment, an insurance policy can be issued without leaving your home or office. Everything can be done online on the website of the selected company. To do this you need to do the following:

• Go to the website of the selected company and make sure that it provides online registration services;
• Use the calculator to calculate the preliminary cost of compulsory motor insurance;
• After calculating the cost, proceed to filling out the form;
• Fill in information about the owner of the cargo transport;
• Enter information about the truck;
• Indicate the payment method and whether it is preferable for the client to receive the policy by regular or email;
• Remit payment;
• Get OSAGO.

Since the online option is just gaining popularity, many insurers offer car owners a personal meeting, where all the conditions are discussed again and a contract is signed.

Truck trailer insurance features

If the truck will be used with a trailer, this must be stated in the insurance policy. There is no need to separately register for MTPL for the trailer itself. Then the cost of the policy will be calculated using a special inflated coefficient:

• up to 16 tons – 1.4;
• from 16t. – 1.25;
• agricultural machinery, trucks, tractors – 1.24.

On average, such a coefficient will increase the cost of compulsory motor liability insurance by an average of 35-40%. If the driver plans to use the trailer only occasionally, and is sure that he will not create any accidents, then the trailer may not be included in the policy.

If you have any difficulties with registration or disputes with the insurance company, please contact our insurance lawyer. He will definitely suggest a way out of the situation.

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