Minimum term of OSAGO insurance in 2015

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

For all car owners on the territory of the Russian Federation, there is a law on compulsory motor third party liability insurance. For this, there is a special policy that every driver must purchase. About what is the minimum period of OSAGO insurance in 2015, will be discussed in this article.

Categories for insurance

There are several categories of car owners who must be insured under different conditions. So, for example, vehicle owners who have registered their car outside the Russian Federation buy an OSAGO policy for a period of five to fifteen days. You can also purchase insurance for a longer period - up to twenty days. This requirement applies only to those drivers who are in transit and are sent to the place of permanent registration, or to undergo a mandatory technical inspection of the vehicle. For those persons who have registered vehicles in Russia, the minimum period of OSAGO insuranceis one year. If in the recent past it was possible to insure your motor third party liability for at least six months, then in 2015 this will no longer be possible.

How to calculate the cost

The cost of the policy depends on several factors. First of all, it is the 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 the minimum period of OSAGO insurance, the cost of the OSAGO policy cannot be paid in installments, this is not provided for by the insurer. That is why, wanting to save money, drivers come up with various tricks, just to reduce the cost of the policy.

How to insure a vehicle

All that needs to be done in order to purchase a contract for vehicles for the most minimal period of OSAGO insurance is to contact a company providing such services. Today there is a large selection of organizations that are ready to serve their customers at the highest level and at affordable rates. The main thing is not to shy away from buying mandatory policies so that there are no problems in the future, especially in the event of a traffic accident. If after an accidentthe fact that the guilty party does not have a mandatory insurance policy is revealed, then, in addition to the fact that he himself will restore the damage caused to the victim, he will also pay a large fine for the lack of this document.

Which policy is more profitable to buy

As mentioned above, the minimum term of OSAGO insurance is one year. All tariffs are strictly regulated by the state, and absolutely all insurance companies are required to sell these policies at a standard price. However, you can save some money.

For example, if a person does not use his car in winter, then, of course, he does not need to overpay for several months.

There are also motorists who drive vehicles 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 over twenty-two years. The calculation coefficient for three months will be lower than for the whole year, so be sure to specify the period of use of the vehicle.

Having collected all these data, the insurance manager will be able to make a small discount for such drivers on the minimum period of OSAGO insurance. 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 notoverpay, but then you will need to wait a little more than a month for registration for the minimum period of OSAGO insurance. Rosgosstrakh, for example, having an excellent reputation, sells policies without any additional premiums. So when your insurance expires, you can turn to a trustworthy company and drive safely for another year.