2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16
Every driver knows that for the period of using the car he is obliged to issue an OSAGO policy. But few people think about the timing of its validity. As a result, situations arise when, after a month of use, a “long-playing” piece of paper becomes unnecessary. For example, if the driver goes abroad by car. How to be in such a situation? You can make insurance for 3 months.
About the service
OSAGO is a liability insurance policy for vehicle owners. With it, you can reimburse the costs that were incurred by other participants in the accident. The term of the contract depends on the vehicle category:
- cars registered on the territory of another state;
- cars entering Russia in transit;
- cars constantly used in Russia.
According to the currentlegislation, in 2018 the driver can make insurance for 3 months. The price of the policy is fixed at the time of signing the contract and does not change even if the tariffs change. If the client wants to add insurance, the cost of the surcharge will be calculated at the old rate.
Can I get insurance for 3 months?
The validity period of OSAGO is determined by Art. 10 FZ No. 40 dated April 25, 2002. The insurance contract is concluded for one year. The exception is the following owners:
- Recently owning a car and driving it between regions. In this case, the policy is issued for 20 days. As soon as the vehicle is delivered to the place where it will be registered, a standard contract is drawn up.
- Having vehicles older than 3 years. In the absence of a diagnostic card, the policy can be issued for 20 days.
- Having cars registered in other countries. In this case, you can stay on the territory of the Russian Federation for 20 days, and then take out insurance for 3 months. In case of violation of this rule, the citizen will have to leave the Russian Federation.
Restricted use of the vehicle means the ability to use the car only by a person specified by the policyholder, or seasonal use of the vehicle for 90 days or more per year. That is, the driver can buy a policy for the period of actual use of the vehicle, and not for the entire duration of the contract. The driver must notify the IC in writing of the limited period of use of the car. This period will be specified in the contract. If the driver becomes a participant in an accident, the insurance company will compensate for the damage.
For drivers of all other categories, the term of the contract is an insurance year. It is not always equal to the calendar. If the policy was issued on 2017-02-02, then its validity period ends on 2018-01-02. This is important to consider when signing a document.
Should I buy a “minimum” policy?
CTP insurance for 3 months is very often bought to save money, since its cost is 50% lower than the standard one. At first glance, it seems that when calculating the tariff, smaller coefficients are used. In the form, the cost of the policy is broken down by months. You can specify any of them: consecutive or one of the different seasons. The cost will not change until the end of 12 months, even if the rates increase. If the policyholder needs to extend the period of use by 3 months, he can pay 0.2 of the price, and for the remaining 6 months - 0.3 of the annual amount. That is, if you buy several “short-term” policies in a year, the driver will overpay for insurance. This is the financial policy of insurance companies. In addition, he will have to go through the procedure for issuing a policy several times.
Cost of a short-term policy:
- 3 months - 50% off;
- 4 months - 60% off;
- 5 months - 65% off;
- 6 months - 70% off;
- 7 months - 80% off;
- 8 months - 90% off;
- 9 months - 95% off.
The cost of a certificate for 10-11 months will be more than a full annual contract.
Sorry,One-day insurance companies sell short-term insurance to drivers who do not fit into any of the categories. Such buyers need to be prepared for problems, since the contract is contrary to the OSAGO law. If an accident occurs during the period of its validity, the insurer will refuse to compensate for the damage. The document will be declared null and void, and the driver's civil liability will be declared uninsured. The owner will have to repair the car at his own expense. Moreover, which policies may not be included in the PCA database. If this is found out by a traffic police officer during an inspection, then the driver will face a fine of 800 rubles. under part 2 of Article 12.37 of the Code of Administrative Offenses.
Exceptions to the rule
If there are no legal grounds to issue short-term insurance, but the driver does not want to overpay, it is still possible to issue a policy for 3 months. Nobody canceled the procedure for terminating the contract. If, for example, the owner sold the car, he has the right to apply to the UK and receive part of the cost of the policy. It does not matter that the contract was concluded only 30 days ago. The insurer is obliged to return the funds for the period in which the policy will not be used. Of this amount, 23% is withheld. A small part of this amount is transferred to the budget of the union. Most of the funds remain in the insurance company, although this is not spelled out in any law. Therefore, the client can sue and get the rest of the amount.
Documents
To get car insurance for 3 months, you need to provide:
- passport of the car owner;
- PTS;
- drivingrights;
- TC registration certificate;
- diagnostic card.
Renewal of the certificate must be started no later than 2 months before the end of the previous one. Otherwise, the insurer will charge the unruly client the amount, taking into account the increasing coefficient.
Calculate cost
Each driver can independently find out the cost of the policy using the OSAGO calculator on the website of the insurance company. It is provided with up-to-date tariffs and coefficients necessary for calculation.
- Motorist needs to enter his data, specifications, indicate the period of operation. The minimum price will be calculated for an experienced driver who has not had an accident in the previous year.
- A resident of a metropolis can reduce the cost of the policy by rewriting the car to a relative living in a small village. The fare will be calculated based on a small “territory coefficient”.
- The owner of several cars can transfer to a car with an engine of less than 50 hp. With. This will reduce the “power factor”.
How to renew the certificate?
The annual cost of the policy is fixed at the time of signing the contract. This document is concluded for 12 calendar months by default. The term is adjusted only at the written request of the client. For example, a client came to get insurance for 3 months, as he plans to sell a car. To do this, he must write an application and pay 50% of the cost of the policy. If the transaction did not take place, then he can apply toyour IC and extend the validity of the policy. At the same time, for the remaining 9 months, he will have to pay another 50% of the cost.
According to OSAGO rules, the policy cannot be bought in installments. If it is not possible to pay the policy at full cost, the driver can buy car insurance for 3 months, and then periodically renew it. It is important to re-register the contract 2 months before the deadline. Otherwise, the cost of the surcharge will be calculated at an inflated rate. For the use of the vehicle in the period not provided for by the policy, a fine of 500 rubles is charged. For the lack of a policy as such, the driver will be fined 800 rubles. If an accident occurs during this period, the insurance company will pay compensation to the victim, and then provide a recourse claim.
Conclusion
A car owner can buy insurance for 3 months by paying 50% of the tariff. If the need arises, the term of the contract can be extended. Use a short-term policy in order to save money will not work. The financial policy of the UK is built in such a way that it is more profitable to conclude an annual contract right away, and not to renew every time. Moreover, for the use of a car in a period not stipulated by the contract, as well as for the lack of insurance as such, a fine is provided. Therefore, short-term insurance should be taken out only if the driver has objective reasons: selling a car, moving to another country, etc.
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