Do you need motorcycle insurance? what does the law say? Sitting in another traffic jam in his car, almost every driver periodically slips the thought: “Maybe change to a two-wheeled“iron horse”? Is it that simple? Does every insurance company insure motorcycles?
Do I need motorcycle insurance
Motorcycles are now very popular among both young people and the older generation. The control of this vehicle is not difficult and everyone can do it. Admit it, spending your precious time in a traffic jam, you also thought about such a purchase. Statistics show that every year there are more and more motorcycles on Russian roads. And every driver, before buying such a unit, thinks about whether compulsory motorcycle insurance is required.
In Russia, since 2003, every driver must insure their vehicles. There is a list of vehicles to be insured and a motorcycle is included in this list, as are ATVs. Thus, it is impossible to move without MTPL on a motorcycle according to the law of the Russian Federation. Let's see if you have a moped ?! It all depends on the technical parameters of the transport. Insurance is not needed if the unit does not accelerate faster than 50 km / h, the engine is no more than 50 cc. cm, you have 2 or 3 wheels. Exceeding at least one of the indicators means that your vehicle falls under the category of a motorcycle.
You can insure a motorcycle for 3 months and up to a year, this is due to the fact that this type of transport is seasonal. In some regions, this period does not last long. Not a bad opportunity to save money! There is also one exception to the rules, if you do not ride a motorcycle beyond country roads and the nearest river, then no one will require a policy, since OSAGO regulates traffic rules.
Where to go for insurance
Be prepared that insurance companies will not welcome you with open arms. Why is it more difficult to issue MTPL for a motorcycle than for a car ?! The answer is simple, insurance of this type of vehicle is an unprofitable branch of this business, and insurers want to protect themselves from unnecessary expenses. Insurance companies In order not to receive a refusal in insurance, coming to the office of the company, look for potential insurers in advance on the Internet and contact them directly by phone. This way you can be sure that your time isn’t wasted. You can also issue an electronic policy. The process of obtaining insurance coverage for a two-wheeled unit is no more complicated than for a car. What documents you need to have with you are a passport, a driver's license, a vehicle document and a motorcycle technical diagnostics card. And, if you are not the owner, the owner's passport or its copy is provided. First, an application is filled out, which will contain all the personal data of the insured, technical characteristics of the transport. More information about the drivers who will have the right to drive motor vehicles. Only on the basis of an application, an employee of the insurance company will make a calculation and draw up an OSAGO contract. An examination is also carried out, so it is better to prepare and wash your "iron horse". In the event of an insured event, payments of up to 400 thousand rubles are provided for transport, and for health the maximum amount is 500 thousand rubles.
What are the possible reasons for the refusal of insurance for motorcycles? Spring is coming, that is, the beginning of the season for motorcyclists. Insurance companies can literally invent reasons for refusing to issue a fear of a vehicle policy. The most popular ones are that you have an unsuitable driving experience, the base for issuing a policy is not working now, you belong to another region, we do not insure motorcycles at all. Coercion to take out life insurance is still widespread. First, take out life insurance and we will sign an OSAGO contract for the moto unit. In this case, you need to take a written refusal and then you can file a complaint with the Central Bank. But it is easier to issue an insurance policy electronically, where many of these problems can be avoided.
How to calculate insurance for a motorcyclist
Several coefficients are used to calculate the insurance premium. The insurance premium is a fee that must be paid by force of law in the event of a compulsory insurance contract. The base coefficient for the vehicle category "A" is set at 867 rubles. It is multiplied with a correction indicator, which depends on the age and driving experience, on the registration of the owner. There are also discounts, the so-called bonus-malus coefficient. By law, drivers receive a 5% discount annually for accident-free driving. Bonuses are summed up and applied to reduce the amount of the insurance premium. For inattentive drivers, on the contrary, an increasing indicator is applied, it is determined individually for each fan of extreme driving. It all depends on the losses incurred during the year.
We issue an electronic policy
First you need to find the website of the company from which you would like to issue a policy. As a rule, there is a calculator on the site and you can immediately find out the cost of the insurance premium. Next, we register on the site, a key will be sent to you by e-mail. With its help, the application will be certified in the future. We fill out an application, it is identical to the one drawn up in the insurer's office. And we send for verification, it is very fast. All that remains is to pay, this can be done with a bank card or in the Euroset. And so you will receive a policy without leaving your home and will not stand in line. Many insurance companies, including Rosgosstrakh, offer life and health protection when insuring a motorcycle. Do not rush to refuse, as this type of transport is the first in the world in terms of injury risk.
Is it necessary to provide an electronic OSAGO policy to a transport inspection employee
Let's figure out how to provide OSAGO to a traffic police officer if you do not have it on a paper form ?! Quite simply, you have the right to show the insurance form on your phone or tablet. Each employee of the road traffic inspection has access to the OSAGO RSA database and can check if there is insurance for the vehicle by VIN number. Ask the employee to independently check the availability of insurance coverage for transport, if it is not possible to provide a policy. Motor vehicles are insured for a period of 3 months to a year, and it is illegal to go on the road without a CTP contract. There are penalties for the absence of a document, as well as refusal to pay in the event of an insured event.
CASCO policy for a motorcycle
In addition to compulsory insurance, you can sign a voluntary insurance contract for a vehicle. Companies have certain requirements, for example, it is mandatory to install a security alarm on your vehicle. If you have policies for a car or a house, it is better to contact the same company for insurance of the "iron horse". They will definitely not refuse insurance, so as not to lose a regular client.
You should carefully read the voluntary insurance contract, as they can count on your legal illiteracy. Read carefully the points about: cases that are not an insured event, the terms and methods of filing an application in the event of an insured event, in which case it is considered that the vehicle cannot be restored and, of course, the fine print, often "tricks" are hidden there.
The cost of CASCO is much higher than OSAGO, it can reach half the cost of a new unit and up to its full cost for a supported one. Well, payments in case of an insured event are also higher.
