In recent years, there has been a great demand for a type of transport such as a motorcycle. Two-wheeled “iron horses” are very popular not only among young people, but also among the older generation.
Modern motorcycles are very beautiful, powerful, trimmed with chrome and nickel-plated details, they simply do not leave anyone indifferent, and everyone wants to not only sit on them, but ride and buy for themselves. Every day on Russian roads, their number is increasing. At the same time, each driver has a question about whether motorcycle insurance is needed.
Transport insurance
Since 2003, a law was passed in Russia, according to which motorists must purchase a compulsory insurance policy. According to this law, a list of vehicles accepted for insurance was determined. Today, the motorcycle is on the list of vehicles that are subject to insurance. It turns out that motor third party liability insurance is required, and without it you can’t move on roads.
However, many insurance companies refuse to accept motorcycles for insurance. This refusal is explained by the fact that motorcycle insurance is a loss-making type, and companies want to protect themselves from spending.
Motorcycle Compulsory Insurance
The law of compulsory insurance is the same for both cars and motorcycles. The maximum amount of payment upon the occurrence of an insured event is 400 thousand rubles for transport and 500 thousand for health. Motorcycle insurance and insurance are no different from car insurance. You will need to have a personal passport, documents for the vehicle, a driver’s license and a diagnostic card with you. If you are not the owner of the motorcycle, then for registration you will need to provide the owner's passport (copy or original).
How to calculate motorcycle insurance
To determine the size of the insurance premium , basic and adjustment factors are used. The base coefficient established in 2015 for category “A” vehicles is 867 rubles. This basic coefficient is multiplied by correction factors, which depend on: the registration of the owner, the age and length of drivers who will be allowed to drive.
Also, do not forget about
the bonus-malus coefficient or discount. According to the law, each driver receives a 5% discount per year for a trouble-free ride. Every year the discount is added up and applied to lower the basic insurance premium.
However, those drivers who participated in the accident and were the culprits should not count on a discount. For this category, a raising factor is provided, which is determined individually for each, depending on the number of losses during the year.
How is it made out
Motorcycle insurance CTP (Rosgosstrakh offers for registration at any office) can be obtained without problems. You must have a full package of documents with you. The first thing you need to do is fill out an insurance application. It is necessary to indicate all passport data, data on the vehicle and provide personal information of drivers who will use the motorcycle.
Only on the basis of the completed application, the representative of the insurance company will calculate the premium and draw up an MTPL agreement. However, it is necessary to take into account the fact that motorcycle insurance is issued only after its inspection. Therefore, before visiting the insurance company, the vehicle must be prepared and washed.
Those who do not want to personally visit the insurance company, wait in line, show the motorcycle for inspection, can get an insurance contract via the Internet. Starting July 1, 2015, online insurance for motor third party liability insurance is issued.
Rosgosstrakh also offers its customers to purchase a policy through the World Wide Web without personally visiting the company's office. This significantly saves time and allows you to solve the insurance issue in minutes. How is the process of issuing an electronic CTP insurance form and how is it different from ordinary paper?
Registration of an electronic policy
To apply for a motorcycle insurance policy , you need to go to the company's official website and go through a simple registration form. After registration, an access code will be sent to your personal mail, which you will need in the future when concluding the contract and will serve as an electronic signature.
After the key is received, you must return to the company website and fill out an application. As soon as all the fields of the application are correctly filled in, you will need to confirm the accuracy of the information by entering the received secret code. Further, the data will be automatically processed and motorcycle insurance is calculated and executed. You can pay the contract by credit card or through an electronic wallet. After payment, the OSAGO electronic form will be registered on the PCA website and will be sent by mail. This form in appearance is no different from ordinary paper.
What is necessary for registration
The list of documents required for the purchase of an electronic policy is no different from the documents required to conclude a contract at the office of the insurance company. You will need a passport, a document for a motorcycle, a driver’s license, a diagnostic card (if the vehicle is older than 3 years old) and the received electronic key.
When motorcycle insurance is issued, Rosgosstrakh additionally offers to conclude life insurance. This type of insurance is very relevant among motorcyclists, as they are subject to great injuries.
How to show insurance to the traffic police officer
If you purchased a regular CTP policy at the office of an insurance company, then simply submitting a form and personal documents is enough. In the event that the motorcycle insurance is electronic, it is enough to show the form in electronic form: on a mobile device or tablet.
The traffic police officer has access to the OSAGO RSA database and can check by the VIN number of your car whether it is insured or not. It turns out, if it is not possible to provide the form in electronic form, it is enough to announce that the form is available and ask the employee to independently check it on the basis of the PCA.
It should be noted that motorcycle insurance is issued for a period of 3 months to a year. Each motorist, before leaving on the road, must purchase a compulsory insurance contract for a convenient period for him. For violations of the law, not only penalties are provided, which are many times higher than the cost of insurance for a motorcycle, but also a refusal to pay when an insured event occurs.