CTP insurance online - how to calculate the cost and where to apply for CTP insurance online: TOP-8 insurance companies + example of calculating CTP insurance via the Internet (online)

Hello dear readers of the financial magazine Rich Pro! We continue a series of articles about OSAGO insurance and in this material we will tell you how to calculate OSAGO online, where to buy OSAGO policy online and how the cost of car insurance is added.

The largest domestic insurers are increasingly improving and applying advanced information technologies to meet the growing needs of their customers.

So since July 2015 it is now possible to purchase a MTPL policy in Russia not only after visiting the insurer's office, but also through the Internet. Such an innovation was designed to make life easier for citizens, to cool the ardor of insurers, who often complained about the loss of compulsory motor liability insurance, in particular, due to the associated costs of renting offices for the sale of insurance products and staff remuneration.

Important! Even if there is no representative office of the insurance company in the village, you can always take out insurance remotely - just connect to the Internet.

From this article you will learn:

• Why do you need CTP insurance?
• How to quickly and safely buy a CTP insurance policy online (step-by-step instructions for obtaining insurance via the Internet);
• What makes up the cost of the policy and how it can be reduced;
• How to independently calculate the price of the MTPL policy online and avoid unnecessary expenses when it is issued.

The article will be useful for both inveterate motorists and beginners who just intend to get their own vehicle.

About what online insurance is mandatory and why it is necessary, how to calculate and where to buy an insurance policy online, what you need to know before applying for insurance online - we will tell in this issue

1. Why is it necessary to issue an insurance policy?

According to statistics, it is operated in Russia more than 50 million units transport equipment. For the last 9 monthsSTSI was registered more than 135 thousand cases traffic accidents. Unfortunately, none of us is safe from unforeseen life circumstances. Not always in case of disaster we have the amount of money necessary to cover losses.

Compulsory motor third party liability insurance is designed to protect both the insured person - the owner of the vehicle, and the victims of an accident.

In order not to waste your time, energy and money visiting the insurer's office, you can use the services of obtaining insurance using the capabilities of the World Wide Web. MTPL online registration already available on the sites of many insurance companies in Russia.

In more detail - what is the purpose of MTPL insurance policy for, how to calculate the cost and check MTPL insurance for authenticity, and much more, we wrote in a previous article.

How to quickly and easily issue an insurance policy online - a detailed online insurance policy for insurance

2. How to buy a CTP insurance policy online - 5 steps to quickly take out CTP insurance on a car via the Internet

What are the steps to take for quick and high-quality registration of CTP insurance online?

Step number 1. Choosing an Insurance Company

So, you type in a search engine (Yandex, Google) "buy insurance for cars online", "CTP policy online buy"or something similar, and you will see a huge amount of all kinds of resources that promise quicklyand qualitativelyto insure a car through the Internet. Do not rush to chase the cheapness and other benefits that online sellers promise!

This issue must be approached as carefully as possible, having weighed everything "behind"and"against"since fraud in the OSAGO market is very common.

What to turn your attention to?

We recommend ordering the policy only on the sites of insurance companies:

• Firstly, it will cost less than resellers and all kinds of insurance brokers;
• SecondlyYou are guaranteed to protect yourself from cheap fakes - why do you need extra problems?

On the official website of the company is to find out if it has:

•  license for the implementation of activities for the conclusion of OSAGO agreements issued in the prescribed manner by the Russian Union of Auto Insurers (SAR),
• is there a ratingassigned by an organization specialized in assessing the reliability of companies.

The most famous and authoritative rating agency for insurers in Russia is considered "Expert RA", and the highest rating of company reliability will be assigned to them A ++ rating, which means an exceptionally high level of reliability.

It will be useful to get acquainted with the statistics of insurance payments and customer reviews.

Step number 2. Acquaintance with the procedure for concluding an MTPL agreement online

Select a section of the site where you will be asked to apply for a policy online and carefully read the established rules and tariffs.

Although the basic rates for OSAGO are set by the state, prices in different companies may vary slightly. It is possible that you will be offered an insurance policy. Additional services or insurance productswhether to go to such conditions is up to you.

But rememberthat by law insurers do not have the right to refuse in the conclusion of the MTPL agreement, including if the client does not want to purchase additional options to the policy!

Step number 3. Filling out the proposed form

To fill out the form, keep the following documents handy:

• passport;
• driver's license;
• STS;
• Title
• diagnostic card.

Below is an example of what the form looks like when calculating the cost of CTP insurance online.

Purchase and calculation of cost of CTP insurance online through the form

In the form on the website for the conclusion of the MTPL agreement online you will be asked to enter the following data:

1. Name of the policyholder, address of his residence and date of birth,
2. series and passport number,
3. the series and number of the driver’s license,
4. total driving experience
5. make, model and category of the vehicle,
6. year of manufacture, engine power and vehicle registration numbers,
7. the date of issue of the TCP and diagnostic card,
8. data on the period during which the vehicle is supposed to be used,
9. information about the persons admitted to management.

Here it is worthwhile to warn the reader about possible problems that may arise when filling out the questionnaire. The fact is that the service for the online issuance of insurance is still in the stage of optimizations and improvements.

Errors are frequent both as a result of the imperfection of the system itself, and as a result of incorrect data entry by the policyholders themselves.

Consider the most common and common mistakes:

• A common mistake of policyholders is to fill out form fields incorrectly: if in any line, even in one character (for example, you put an extra space), the data entered by the applicant differs from the data contained in the unified automated system for mandatory liability insurance (OSAGO), the system will generate an error. Therefore, try as carefully as possible to check the filling of all form fields.
• It is possible that your real data on the place of residence, the name of the car model and other parameters differ from those indicated in the STS or TCP, therefore, we recommend filling out the form fields according to the information specified in the documents for the car, or rewriting them from last year's OSAGO policy, since it is on the basis of it that information is entered into the AIS of OSAGO.
• Do not forget that A diagnostic inspection card must be entered and the EAISTO database.
• The mistake could well have happened through no fault of yours, but due to inaccurate entry of information into the database by an insurance agent. In such cases, you will have to contact the technical support of the site. Often, data on driving experience are incorrectly indicated - the agent simply did not bother himself and entered not the actual length of service, but the date of issue of the last rights. Many often faced the fact that negligent employees in the field, which suggests entering the STS number, enter the TCP number and vice versa.

Step number 4. Payment for services

Payment is made in rubles by debiting money from a bank card account, or by other means provided by the insurer.

After receipt of payment, the application is accepted for work.

Step number 5. Getting a policy

After checking the form on the basis of PCA, the client receives a notification about the readiness of the insurance policy and can receive it both personally at the office of the company, and through courier delivery.

3. How the price is formed and what the cost of compulsory motor liability insurance depends on

To calculate the cost of the MTPL policy, insurance companies are required to comply with the requirements of the Central Bank of Russia set out in the instructions No. 3384-U dated 09/19/2014. In connection with the changes introduced in 2015, CTP rates increased by 40-60%.

In general terms, the price of the insurance policy is calculated according to the following formula:

Cost of CTP = Bt * Ct * Cbm * Co * Kvs * Km * Ks * Kp

Descriptions of each of the coefficients and their impact on the final cost of the policy for clarity are given in the following table:

The legislation provides for the application of several more factors, for example, for persons operating trailers for vehicles, but they are used only in special cases.

Where is it profitable to buy a CTP insurance policy online - companies where it is better to take out CTP insurance on a car online

4. Where to get CTP insurance online - TOP-8 insurers from whom you can buy CTP insurance online

The insurance companies that are brought to your attention are arranged in decreasing order of the so-called “customer loyalty rating” calculated by experts of authoritative resources (sravni.ru etc.) based on the quantity and quality of reviews, as well as the degree of participation of the company in solving customer problems.

1) Tinkoff Insurance JSC

The company was founded by an entrepreneur. Oleg Tinkov and the Tinkoff Bank team in 2013 and incorporated all the best and most effective of the Bank's technologies and practices. The insurer uses advanced information technology in its activities and is distinguished by a developed remote customer service.

The company’s website is arranged quite simply and clearly, and therefore the purchase of an insurance product will not cause you any difficulties. Delivery of the policy can be ordered at home or in the office.

2) "Renaissance Insurance"

The company prioritizes mutually beneficial cooperation with the client and expresses its willingness to make concessions in resolving any issues that arise. The company's products are characterized by a wide variety and are designed to satisfy almost any client's insurance protection needs.

"Renaissance Insurance“It is invariably one of the ten leading OSAGO insurers in terms of sales and insurance indemnity payments. The company also offers CASCO insurance registration services online.

Insurance fees Renaissance insurance last year amounted to more than 22 billion rubles, and payments - more than 14 billion rubles.

3) Group "Alfa insurance"

One of the most reliable Russian companies, widely represented in the territory of the Russian Federation by almost three hundred regional representative offices. Today Alfastrakhovanie Group is the third largest insurer.

The company has developed a special application for smartphones "Alpha Mobile Insurance", marked by three awards of the largest contest of mobile applications in Runet -" Golden Application 2016 ", which allows you to purchase insurance if you have only one technical tool - a mobile phone.

The high level of speed and reliability of the service is often noted by the praise of customers.

4) Ingosstrakh

Ingosstrakh was formed in the distant 1948 and over the years of its existence, it has gained trust and loyalty of both residents of Russia and foreigners. The company has its branches and representative offices in the most remote corners of our vast country.

Rating Agency "Expert RA"the insurer was rightfully assigned the highest level of reliability -"A ++". When you purchase a motor third-party liability insurance policy for motor vehicles of category" B "under Ingosstrakh under the age of five, you will be offered a product outlandish for our insurance market like"Auto protection", which allows you to compensate for the difference between the amount of damage caused to the car and the amount of payment, taking into account wear and tear, by repairing at a service station with which the insurer has an agreement.

The company's online service is different round-the-clock work of specialistsready to answer any question.

5) "Military Insurance Company" (CJSC "VSK")

VSK Insurance House operates since 1992 and has more than four hundred branches throughout the country. VSK is one of the first insurance companies to start online sales of CTP insurance policies and has already accumulated sufficient experience in this business, which allows its customers to use the provided information technologies without fear.

6) "RESO-Guarantee"

Among his most priority types of activities, the insurer names car insurance (CTP, CASCO), including online insurance. The company’s website provides interest-free installments for the payment of an insurance policy, and also promises a quick - within 15 business days settlement of insurance claims.

"RESO-Garantia" takes 120-130 place in the rating "Expert - 600.The largest companies in Russia".

7) SOGAZ

SOGAZ Insurance Group was formed in 1993 According to the Central Bank for 2015, the company ranked first in Russia for nine types of insurance.

The daily payments to the insured who have suffered losses amount to more than 175 million rubles, and their own regional network totals about 800 divisions and offices throughout the country - from Khabarovsk to Kaliningrad.

8) Rosgosstrakh

Rosgosstrakh is the oldest insurance company in Russia and counts its existence since 1921 The company boasts an impressive staff - over 100 thousand people and the most extensive network of branches and agencies in the amount of 3 thousand units.

Dispatch center employees even provide psychological assistance to clients, in addition to legal.

5. What you need to know before insuring a car insurance online - 7 tips to whom to entrust car insurance

The sites of insurance companies, which are full of enticing pictures and sweet promises, are capable of confusing any of us. How can one not get confused among so many tempting offers to a person who is not versed in all the "tricks" of the insurance market when searching for his company?

It is enough to follow a few simple recommendations of insurance market professionals. What you should first of all pay attention to before insuring a car online by OSAGO will show the following list.

Tip 1. Company fame

The fame of the insurance company is how often the name of the company is "by ear", flashes in advertising, news reports, is discussed in society. Naturally, according to the criterion of “fame” alone, a company should not immediately run away and draw up a policy. Such actions will be at least frivolous.

First you need to at least familiarize yourself with the availability of permission from the insurer to conduct the insurance business - CTP Licenses. Be sure to check if this document has expired.

Tip 2. Participation of the company in the "Russian Union of Auto Insurers" ("RSA")

What benefits does this give us? The activities of the company as part of RSA will protect you from the need to pay insurance compensation to victims from your own pocket in case of bankruptcy or liquidation of the insurer.

Therefore, it is recommended to insure under compulsory motor third-party liability insurance exclusively in companies that are members of RSA.

Advice 3. Insurance experience

The older the insurer - the more experience gained and, accordingly, "insurance professional wisdom."

Tip 4. High reliability rating of the insurance company

The most famous and recognized rating agencies that evaluate the "life" of insurers for their solvency, reputation and prospects are: "Expert RA", Fitch ratings and Moody's Investors Service.

We recommend listening to the opinion of these very authoritative sources.

Tip 5. Open financial statements

Among the world's leading companies, the concealment of their financial condition has long been recognized in a bad form. Anyone can familiarize themselves with the accounting documentation of “transparent” Russian companies in this regard both on Internet resources and in representative offices.

Tip 6. The size of the insurance "portfolio"

In other words, the variety of insurance products offered to the attention of the audience. It is very important for a company to have a widely diversified range of insurance services, as this significantly reduces the risks of bankruptcy of legal entities.

Tip 7. The number of positive reviews about the company

You can easily find them on numerous thematic forums located on the Internet.

If you are too lazy to delve into all this yourself, you can turn to organizations specializing in the provision of intermediary services between the insured and the insurer - insurance brokers. For a low fee, the broker will help you choose the best product in terms of price and quality.

Calculation of CTP insurance online + example, how to calculate CTP insurance online

6. How to calculate CTP online + a real example of calculating the cost of a policy before issuing

The calculation of the cost of the CTP insurance policy is carried out on the basis of the coefficients considered above in the section "How is the price (cost) for CTP insurance formed". The values ​​of the coefficients depending on various vehicle data are given in Direction of the Central Bank No. 3384-U.

For those who do not want to delve into all the intricacies of this issue on the Internet, there are many sites with ready-made OSAGO price calculators.

You only need to fill out the required forms in accordance with the documents for the car, and in just a couple of minutes the system will calculate the actual cost of the insurance policy.

Online calculator for calculating the cost of an insurance policy - an example of an online calculation of an insurance policy through a form on the ROSGOSSTRAKH website

The final price will still have to check with the insurerbecause calculators do not take into account parameters such as personal discount or individual ratebesides they do not have a connection to the PCA basetherefore, they do not use the bonus-malus coefficient (KBM) in the calculations, which depends on the number of previously recorded accidents.

Useful Online Calculations also to check for unreasonable overpricing of the MTPL contract by the insurance agent: unscrupulous employees of insurance companies have the habit of artificially increasing the price of the policy using higher coefficients.

Example of calculating the cost of OSAGO

Consider an example of self-calculation of the price for the insurance policy, and the Guide to the Central Bank of Russia No. 3384-U, already mentioned, will help us in this.

As we remember, the cost of the policy is determined by multiplying various coefficients by the base rate. All ratios except Kbm, we will determine by the guidelines of the Central Bank. The KBM value can be found only after contacting the insurance company.

Suppose you are the owner of a Category B passenger car, in which case "BT" (base rate) can take values from 3432 rub. up to 4118 rub. (may vary from year to year)

The place of your residence and use of the vehicle is Anapa city. For Anapa and Gelendzhik, the value of the territorial coefficient "CT" will be "1,3".

Value KBMequal to "0,9", You managed to get the gullible manager of the insurance company.

If you are not going to put anyone behind the wheel, but plan to entrust driving, for example, to a relative, by age over 22 years and driving experience less than three years, then the coefficients Co and Kvs will take the meaning "1"and"1,7"respectively.

Looking at the vehicle registration certificate, you find that the engine power of the car is an impressive 101 horsepower. In this case Km take equal "1,2".

It is planned to operate the car all year, therefore, the term of the policy coincides with the period of use of the vehicle, and the coefficients "Ks" and Kp equate to "1".

So, all the data obtained, it remains only to substitute them in the formula, and the cost of insurance will become known to us.

The cost of the insurance policy = Bt * Ct * Cbm * Co * Kvs * Km * Ks * Kp = 4118*1,3*0,9*1*1,7*1,2*1*1 = 9,828.84 rubles.

We remind you that this figure is indicative and should be checked according to several sources. You can find out the final cost of the policy only directly at the insurance company.

In any case, we recommend that before going to the insurer, make a calculation according to the above formula or use one of the online calculators - this way you will protect yourself from possible abuse by sellers of insurance products.

Useful tips on how to get a discount when registering CTP via the Internet

7. How to reduce the cost of the MTPL insurance policy (discounts, promotions, loyalty programs)

Consider such opportunities to reduce the cost of compulsory motor third-party liability insurance, which the motorist can influence in one way or another. It is clear that in the case of the acquisition of a multi-ton truck, change the category of the vehicle, thereby saving money on reducing the coefficient "BT", will not work.

One of the options for reducing costs for compulsory motor third-party liability insurance is car registration for a relative living in rural areas. Territorial coefficient "CT" there is a significant variation depending on the place of registration of the owner.

So, for small settlements, it can be equal to "0,6", for large cities, its value is several orders of magnitude greater. For example, in Chelyabinsk you will have to pay for insurance almost in 2.5 times morethan in some provincial village, lost somewhere in the Oryol region. This is due to the fact that the probability of an accident in a large city is much higher than on the periphery.

Try not to include persons allowed to manage people by age under 22 years old and driving experience less than 3 yearssince otherwise the cost of insurance will increase by 60-80%. If this situation cannot be avoided, or it is planned to involve unreliable drivers with high values ​​in driving a vehicle KBM, it is better to draw up an insurance policy for an unlimited number of eligible for management.

When choosing an insurer, call as many insurance companies in your area as possible to clarify the final size of the base rate, the availability of discounts - the so-called customer loyalty programs.

According to most statistics untwistedand eminentcompanies offer their customers CTP at the maximum base rate, but at the same time encourage cooperation with them with various bonuses. To save on the brand or not - everyone decides for himself. Are the extra worries, time and nerves worth a couple thousand rubles?

In cases where the use of the vehicle is seasonal, for example, you use the car only in the summer for trips to the country, it makes sense insure only for 3 (three) months. If necessary, the insurance period can always be extended. But remember that a more cost-effective solution would be to purchase a policy for the term over 10 months (if you use the car regularly) than to renew it every 3 (three) months.

If you are a careful driver and do not allow traffic violations, the state has provided for you special discountwhose maximum value can reach 50% from the price of the insurance policy for ten years of accident-free driving.

You can check your bonus malus ratio (Kb), which is responsible for presenting such a discount, on the website of the Russian Union of Auto Insurers.

It happens that the driver, for unknown reasons, is reset to KB. This can occur for a number of circumstances.

In what cases does the law deprive the right to reduce the cost of the policy on such a basis?

1. If you annually regularly insured your civil liability, and then for any reason - be it stopping the use of the vehicle or using the services of scammers who sold you "lime"policy or"forgot"to enter information about it into a single PCA database - we missed the next year of insurance, you have a discount on" KBM "will burn".
2. In the event that your previous CTP insurance policy stipulated a restriction on the number of persons admitted to management, and there is no such condition in the new contract, the coefficient "Cbm" will be reset, that is, it will take the value "1".
3. When you buy a new car in cases where your previous MTPL agreement did not provide for the absence of restrictions on access to management, the discount will also stop working.

There is one more nuance: the discount is increased only for a full year of insurance with no accidents - therefore, we do not recommend terminating the CTP insurance agreement ahead of schedule.

Do not forget to notify the insurance company if you replace your driver’s license, otherwise the information about the new rights will not be sent to the RSA, and the new insurer will not be able to find your discount.

8. What to expect and how much the policy will cost - OSAGO news in 2017

Most car owners care about the question: "Should I wait for the next jump in prices for a motor citizen?". Their fears are understandable, because since 2014 the state has already 2 (two) times managed to increase the cost of insurance for OSAGO.

Documents published at the end of 2016 by the Ministry of Finance of the Russian Federation allow us to look to the future with optimism: price increases for compulsory motor liability insurance, at least this year is not expected.

The main change, experts call the introduction from January 1, 2017 for all insurance companies, the obligation to sell electronic e-CTP policies through the Internet. In the same bill № 752188-6 The State Duma imposed a mandatory requirement on insurers to ensure continuous and uninterrupted access of citizens to their official sites. If the company does not have its own site, the implementation of e-CTP must be carried out by e-mail.

In more detail how to buy an electronic insurance policy we wrote in a previous article.

The law did not pass by the policyholders, if for some reason the client indicated false information when applying for a policy, thereby reducing the amount of insurance premium payable, insurance company will exact in recourse, the insurance indemnity paid from the client.

According to lawyers, such a rule of law is fraught with many opportunities for abuse from insurers in the form of intentional misrepresentation of the data of the insured in the insurance contract. Therefore, it will not be superfluous to check through the selected company the correctness of the information entered into the PCA database and the issued insurance policy for errors.

Since 2016, the Ministry of Finance of the Russian Federation began to prepare a package of amendments to the law on compulsory motor third-party liability insurance, on the basis of which one more increase factor should be introduced, depending on the number of violations of the rules of the road committed by the driver. With its introduction, for the most malicious violator, the cost of the policy can rise 3 (three) times. However, it is not worth waiting for the appearance of the "coefficient for reckless" before the mid-end of 2017.

By the decision of the government in 2017, the amount of insurance payment was increased during the registration of an accident according to Europrotocol up to 100 thousand rubles, which is designed to encourage participants in road accidents to draw up documents for the insurance company without the participation of the traffic police, thereby freeing the latter from unnecessary work.

Also, the RSA plans to provide policyholders with access to information stored on their servers about the Kbm coefficient for a more accurate calculation of insurance.

From March 17, 2017 amendments to the law were adopted, where it is now possible to receive monetary compensation if, after an accident, the car is completely destroyed or the cost of repairs exceeds 400 thousand rubles.

In other other cases, insurance companies will pay for the repair of their customers' vehicles.

Vehicle owners will now be able to choose a service station (maintenance) from the list provided by the insurance company. Also, with the consent of the insurer, you can also attract third-party organizations for car repair, which must meet a number of specific requirements.

For vehicle repairs, insurers will give a guarantee for the work performed. At the same time, auto repair itself must be repaired within 30 days.

9. Conclusion + video on the topic 📹

So, now you can independently determine the company that most fully meets your requirements.We tried to minimize the risks of being misled by the insurer when concluding the MTPL agreement by providing you in a condensed form the most comprehensive information to date about insurance companies and their activities, the wisdom of the online insurance market still new to our country.

In conclusion, we offer you to watch a video that tells how to apply for CTP insurance online + tips for buying a CTP insurance policy online:

Dear readers of RichPro.ru magazine, we will be very grateful if you share your opinions, experiences and comments on the topic of publication in the comments below.

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