OSAGO calculation formula: calculation method, coefficient, conditions, tips and recommendations

2024 Author: Howard Calhoun | [email protected]. Last modified: 2024-01-17 18:37

With the help of the OSAGO calculation formula, you can independently calculate the cost of an insurance contract. The state establishes uniform basic tariffs and a coefficient that is applied when calculating insurance. Also, regardless of which insurance company the owner of the vehicle chooses, the cost of the document should not change, since the rates should be the same everywhere.

Online payment

If the owner of a vehicle wants to know the cost of insurance, but does not want to go to the office of any insurance company, then he can use the online calculator on the official websites of insurers. To do this, you need to select an insurance company, go to the website, register, enter all the necessary information (passport details, driver's licenses of all drivers, car passports), get the information of interest. It is worth noting that the program may not givethe answer is if the owner of the vehicle does not have a diagnostic card. Therefore, before manipulations, you need to undergo a technical inspection, it is impossible to insure a car without a diagnostic card. Also, a response may not be received if the technical inspection has been passed, but the information about the diagnostic card has not yet been entered into the general database.

Self-calculation

The formula for calculating OSAGO insurance is easy to use, but to get an accurate result, you need to have information on the tariff and coefficients. It is also important to know what the rate for driving without accidents is applied. The client may or may not know this information. The accuracy of self-calculation is not great. But if the owner of the vehicle has doubts about the calculation on the sites, then he can use this method.

Formula for calculating the OSAGO insurance premium:

CTP cost=TBTKKPKVSKSKMKOKNKBM.

Transcript.

• TB - basic tariff.
• TC - coefficient characterizing the territory.
• MBM - coefficient for accident-free driving.
• FAC - a coefficient characterizing age and experience.
• KO - a coefficient showing whether there is a restriction.
• KM is a coefficient that characterizes a car in terms of power.
• KC - coefficient depending on the period of use.
• KN - coefficient indicating driver violations.
• KP - coefficient, characterizes the required period of insurance.

OSAGO calculation formula setThe Central Bank of the Russian Federation, it is impossible to deliberately overestimate and underestimate it. Therefore, prices in different companies should not differ. The difference in the amount can only be if the insured is offered additional services.

Base rate

In the formula for calculating OSAGO insurance, there is the concept of a base rate. The base fare is a fixed amount, which is regulated by law in relation to all vehicles. This tariff is considered the same for all car owners. But there are differences, the base rate depends on the type of vehicle. For example, the differences between tariffs for cars and trucks will be very different. To calculate the coefficient, experts use the cost of bonuses and payments for a certain period of time. The tariff should be average so that the amount of payments is less than the premiums received for the purchase of OSAGO. Premiums do not have to be high in order for car owners to purchase insurance. The Central Bank has the right to raise or lower the tariff once a year. The last time the rate was raised was in 2015.

Vehicle type	Tariff rate for cars
1	Motorcycles and other types ("A", "M")	1579
2	Category "B" and "BE"	-
2. 1	Legal entities	3087
2. 2	Individuals and private entrepreneurs	4118
2. 3	Taxi	6166
3	Category "C" and "CE"	-
3. 1	Maximum weight less than 16 tons	4211
3. 2	Maximum weight more than 16 tons	6341
4	"D", "DE"	-
4. 1	Number of seats up to 16	3370
4. 2	More than 16 seats	4211
4. 3	Regular passenger transportation	6166
5	Trolleybus	3370
6	Tram	2101
7	Tractor, self-propelled machines	1579

Territory coefficient

In the formula for calculating the OSAGO policy, a tariff oriented to the territory is applied. For residents of settlements subordinate to the city, the tariff of this city is used. For individuals territorythe use of a motor vehicle is determined by the place of registration of the owner of the motor vehicle. It is also worth considering where the car was registered. The motor vehicle must be registered at a point nearby from the place of registration of the owner.

In the formula for calculating OSAGO for legal entities, the territory coefficient is determined based on the location of the organization, branch, which is indicated in the documents of the enterprise.

MBM ratio

This coefficient depends on the availability of insurance payments to a particular driver at the time of the occurrence of an insured event, that is, in case of traffic accidents that could have occurred in previous OSAGO contracts. The insurance benefit for one event is considered one indemnity. For accident-free driving, insurance companies reduce the rate for the driver. When purchasing an OSAGO insurance policy, this coefficient can help to significantly reduce the price of the contract.

In the process of issuing an OSAGO policy, you must carefully check your personal data before signing. If there is an error, even a small one, all bonuses may be lost. Also, after replacing a driver's license (series, document number change), you must visit the office of your insurance company and make changes so that the coefficient does not change. If this is not done with a valid policy, then during re-insurance a year later, the changed rights will affect the bonus. All discounts accumulated over the years will disappear. If this does happen, then the client cancontact the PCA with an application to restore your bonus.

Coefficient characterizing age and seniority

In the formula for calculating OSAGO, KVS has five types.

1. Fare 1, 8 is used when driving without restrictions, that is, there is no list of drivers in the insurance, but anyone who has a driver's license can drive.
2. Fare 1, 8 applies to people under 23 with less than three years of service.
3. Fare 1, 7 or less applies to persons who have reached the age of 23, but the experience is less than three years.
4. Tariff 1, 6 is used for persons under 22 years old, but the experience is more than three years.
5. Fare 1 applies to all drivers over the age of 23 with more than three years of driving experience.

Based on the above data, we can conclude that drivers with little experience pay almost twice as much as those with many years of experience. Also, OSAGO insurance will be more expensive if the owner of the vehicle wants to make an unlimited list of drivers in his contract.

According to the OSAGO calculation formula, if several drivers need to be entered in one policy, then the highest FAC tariff is applied to the calculation of the premium. For example, the owner of a car with a long experience inscribes in the insurance of his son under the age of 23 years, whose experience is less than 3 years, then the contract will apply FAC 1, 8.

Coefficient determining the number of drivers

Contractcan be concluded with a limited list of drivers who are allowed to drive (then the age, experience of each is determined).

The contract is established without restriction. In this case, the coefficient 1, 8 is applied (which was mentioned above, the FAC is not taken into account)

That is, with a limited list of drivers, the FAC is applied. In case of an agreement without limitation, KVS is not applied, but tariff 1, 8 is set.

Coefficient depending on engine power

How is OSAGO calculated? The formula for calculating OSAGO provides for the use of vehicle characteristics.

To identify the engine power of the car, you need to use the information in the main document: the vehicle passport or certificate. The more power, the higher this rate will be.

Power	Fare
Under 50	0, 6
50 to 70	1, 0
From 70 to 100	1, 1
100 to 120	1, 2
From 120 to 150	1, 4
More than 150	1, 6

In the event that there is no information about the power in horsepower in the documents of the vehicle, you need to use the ratio 1 kW=1, 35962 horsepower. So you can find the number you need.

Coefficient depending on the period of usevehicle

If the owner of the vehicle does not use the car for a whole year, he can insure it for the period of time when the car is needed. A car can be insured for a minimum of three months, a maximum of a year. When insuring cars under OSAGO, following to the place of registration, the insurance period is up to 20 days. Tariff 0, 2 will be applied here.

Violation rate

This coefficient has a value of 1 or 1, 5. Increased fare 1, 5 applies in the following cases:

• If the policyholder provides false information in order to lower the price.
• The policyholder creates a deliberate insured event in order to receive a payment fraudulently.
• The insured causes harm while driving under the influence of alcohol.
• The driver has no documents, a driver's license.
• Driver fled in traffic accident.
• A person driving, not included in the OSAGO insurance, caused harm.
• The accident occurred in a period of time that was not specified in the document.
• No diagnostic card.

D category car insurance

Formula for calculating OSAGO for cat. D does not differ from other types of insurance in almost nothing. It is worth considering that OSAGO insurance will be unlimited. And also before you insure the car, you need to pass a technical inspection.

MTPL insurance is mandatory, so you need to take your choice of insurance company seriously. You need to contact a reliable insurer whohas the necessary license and operates at a loss. Insurance has always been a lure for scammers.

Termination of contract

There are unforeseen situations in which it is necessary to terminate the contract in advance. Early termination of OSAGO requires the existence of significant reasons: sale, disposal due to an accident, death of the insured. Upon termination of the policy, the insured has the right to receive payment, the remaining amount. The formula for calculating the return of insurance premium for OSAGO is calculated as follows:

The amount to be received by the insured is equal to the cost of the policy minus 23% (term remaining until the end of OSAGO insurance: 12 months).

Twenty-three percent is the amount that the insurance company takes to cover losses. Of these, 3% are transferred to the PCA, and the rest remains with the insurance company. Using the formula for calculating the return of OSAGO, you can approximately determine the amount due. Perhaps there is little time left before the end of the contract, then it makes no sense to return the amount, since it will be small. If the insured decides to apply to the company to receive payment and terminate the contract, then you should not hesitate, since the amount depends on the number of months remaining until the end of the insurance. The more months, the more money the owner of the vehicle will receive.

Forfeit payment

In case of violation of the terms by the insurance company, the insured has the right to receive a pen alty. The law determines the amount of the pen alty for OSAGO.

• In case of delaypayment or non-issuance of a referral for car repair, pen alties are calculated in the amount of 1% of the loss for each day. The largest amount of loss cannot be more than 400,000 rubles.
• If the deadlines are violated during the repair, the pen alties will be 0.5% of the cost of restoring the car, taking into account wear and tear, for each day. The fine must not exceed the cost of repairing the car.

To understand the formula for calculating the CMTPL pen alty, you need to take into account the nuances. The pen alty must be paid for all days of delay, including the day of payment. If the policyholder wrote a claim due to incomplete payment, then the pen alty must be calculated from the remaining unpaid amount. The total amount of the fine cannot be more than 400,000 rubles, and for harm to he alth and life - no more than 500,000 rubles.

Legal entities

Execution of OSAGO agreements for a legal entity has a number of features:

• The cost of the basic fare is higher than for individuals.
• Each vehicle must be insured separately.
• Minimum usage period is 6 months (3 months for individuals).
• The policy is unlimited.

Thus, the calculation of OSAGO for legal entities can be done independently by applying the above coefficients.

Tariffs are the same in all insurance companies, so the cost of OSAGO will be similar. The difference may be in the offer of additional insurances. If the client wishes, it is possible to arrange a voluntary type of insurance. If an insurance company offers to purchase an OSAGO insurance policy at lower prices, you need to check whether there areshe has a license, perhaps this is the work of scammers. Fraudsters sell fake policies at an attractive price, but in case of insured events, they will not help. Reliable insurance companies that have been working in this area for a long time will not voluntarily underestimate the cost of mandatory insurance contracts, as they have proven themselves from the best side, they have a large number of clients and policy payments.