Для всех автовладельцев на территории Российской The law on mandatory motor third party liability insurance is in effect. For this, there is a special policy that every driver must acquire. About what makes the minimum period of insurance of compulsory motor TPL insurance in 2015, will be described in this article.
There are several categories of car owners,which must be insured under different conditions. So, for example, owners of vehicles that registered their car outside the Russian Federation, buy a MTPL policy for a period of five to fifteen days. You can also purchase insurance for a longer period of time - up to twenty days. This requirement applies only to those drivers who transit and are sent to the place of permanent registration, or to undergo mandatory technical inspection of the vehicle. For those who registered motor vehicles on the territory of Russia, the minimum period for compulsory motor TPL insurance is one year. If in the recent past it was possible to insure your civil liability for a minimum of six months, then in 2015 this can no longer be done.
The cost of a policy depends on several factors.First of all, this car itself. Next, the price of the policy of the region where the car is registered is considered. After that, the car owner must indicate in the contract the period in which he plans to use the vehicle. However, it should be remembered that if you specify a period, for example, ten months, the price will be calculated as one year. Therefore, regardless of what the minimum period of insurance of OSAGO, the value of the policy of OSAGO can not be paid in installments, this is not provided by the insurer. That's why, wishing to save money, drivers come up with different tricks, just to reduce the cost of the policy.
All you need to do to purchasecontract for motor vehicles for the shortest period of insurance for OSAGO is to contact the company that provides such services. Today, there is a large selection of organizations ready to serve their customers at the highest level and at affordable rates. The main thing is that it will not shy away from buying obligatory policies so that in the future there are no problems, especially in the event of a traffic accident. If, after the accident, the fact that the guilty party has no compulsory insurance policy is revealed, then in addition to repairing the damage caused to the injured party, he will still pay a large fine for the absence of this document.
As mentioned above, the minimum periodMTPL insurance is one year. All tariffs are strictly regulated by the state, and absolutely all insurance companies are obliged to sell policy data at a standard price. However, you can save a little.
For example, if in winter time a person does not use his car, then, of course, he does not need to overpay for several months.
There are also motorists who managetransport only three months a year. Thus, the driving experience grows, the coefficient of accident-free driving falls, and the age of the car owner also becomes older than twenty-two years. The calculation factor for three months will be lower than for the whole year, so it is mandatory to indicate the period of use of the TS.
Having collected all these data, the insurance manager will be able tomake a small discount to such drivers for the minimum period of insurance of OSAGO. Some companies, trying to earn as much as possible, also include life insurance in the policy. Therefore, before signing the contract, it is necessary to clarify with the agent what is included in the services. If there is no need for additional services, then it is better to refuse them and do not overpay, but then you will need to wait a little over a month to apply for the minimum period of insurance of OSAGO. Rosgosstrakh, for example, having an excellent reputation, sells policies without any additional premiums. Therefore, when the term of the insurance comes to an end, you can turn to a reliable organization and quietly drive the car for another year.
