An OSAGO policy for a truck can be issued to an individual. where to calculate and insure your transport? Truck CTP Truck Insurance

06.08.2023

Each owner of a vehicle (TC), regardless of its weight, carrying capacity and purpose, in accordance with the current legislation, is required to have a compulsory motor third party liability insurance policy (OSAGO). The mechanism for obtaining insurance for a car or a truck for an individual is the same, but has its own characteristics. We will tell you in detail how to issue an OSAGO for a truck for an individual.

OSAGO features for trucks

Registration of compulsory insurance for a truck owned by an individual does not fundamentally differ from obtaining a policy for a passenger car. But still, there are certain features in this.

Trucks are much larger and heavier than light vehicles. This is taken into account when calculating the cost of OSAGO insurance for a truck.

This is justified - the damage in an accident from a car that is larger in size and weight will be much greater. And the presence of a trailer increases insurance risks.

OSAGO and technical inspection

To obtain an OSAGO policy for a truck, it is necessary to pass a technical inspection (TO) and obtain a vehicle diagnostic card. This rule has been in force since the introduction of OSAGO on the territory of our country and has not undergone significant changes. The only innovation: if earlier they first concluded an insurance contract, and then underwent maintenance, now the policy will not be issued without a vehicle diagnostic card. It is issued after passing MOT.

In 2012, the function of vehicle inspection was transferred from the State traffic inspectorate to dealerships and TO operators accredited by the Russian Union of Motor Insurers. And if the dealership can refuse to conduct an inspection of a truck, then an officially registered operator is obliged to conduct an inspection.

PCA controls the work of accredited operators, enters them into the register and conducts spot checks.

A minimum of documents is required to pass the technical inspection:

passport of the owner of the funds;
power of attorney if the driver is not the owner;
Title or vehicle registration certificate.

The technical inspection of trucks is an important link in ensuring road safety, as it allows you to identify a malfunction in a timely manner and eliminate it, which will reduce the risk of an accident.

During the maintenance of a truck, the following parameters are subject to verification:

braking system;
wheels and tires in terms of the degree of wear (the tread height should not be less than the permissible one) and compliance with the season (winter-summer);
engine and measurement of CO-CH (the amount of pollutants in the exhaust gases);
steering;
external lighting devices;
windshield integrity;
operation of windshield wipers and washers;
significant structural elements - mirrors, seat belts, etc.

If the vehicle has not passed MOT, the car is re-inspected, but only in terms of detected faults. This is possible provided that less than 20 calendar days have passed since the initial inspection and the second inspection is carried out by the same organization as the initial one.

Re-inspection is also carried out on a paid basis, but cannot be more than the cost of the MOT itself.

There is a statutory schedule for the inspection of trucks. But to conclude an OSAGO agreement, it is enough to have a valid diagnostic card in your hands.

What documents are needed

To conclude an OSAGO contract for a truck, an individual must provide the following documents:

identity card of the insured - passport or residence permit;
passport of the owner of the vehicle, if the insured and the owner are not the same person;
Title or certificate of registration of the vehicle and trailer;
driver's licenses (copies are possible) of all persons admitted to driving the vehicle;
existing OSAGO policy;
valid diagnostic card of the vehicle.

The application for the conclusion of the contract is filled in by the representative of the insurer. The issuance of the contract form to the insured is made only after the full payment of the insurance premium.

The cost of OSAGO truck insurance in the conditions of market competition may differ for different companies. After all, an OSAGO policy is the same product, and each insurance company seeks to attract customers with an interesting pricing policy and a system of various bonuses.

If initially, since 2003, when OSAGO appeared, the cost of the contract in all insurance companies was the same and controlled by the state, then since 2014 auto insurers have been given the right to determine the base rate independently, but within a certain tariff corridor:

Adjustment coefficients remained unchanged for all and are determined by the Central Bank of Russia.

Thus, OSAGO agreements with insurers can have different costs. This allows the truck owner to choose the most suitable option for himself.

How to calculate

The price of an OSAGO contract for a truck can be calculated on the website of insurers. Large companies have OSAGO online calculators, where you only need to enter the data requested by the program.

It should be remembered that, unlike a passenger car, when insuring a cargo vehicle, the engine power factor is not applied, and the size of the insurance premium directly depends on the load capacity of the car.

In the case of using a truck with a trailer, this information should be indicated. In this case, the multiplying factor is applied:

1.16 - for light trucks;
1.4 - for vehicles weighing less than 16 tons;
1.25 - for vehicles over 16 tons.

The remaining coefficients are applied in the same way as for a passenger car. Territorial, age, period of use and bonus-malus (reducing coefficient of accident-free driving) are used.

Where can I apply

Today, truck insurance is not a problem. There are a lot of insurance companies and brokers who are ready to do this.

Decoration in the office

The policy can be purchased at the office of the company. To do this, you must personally come, provide the necessary documents and pay the cost of insurance.

Preference should be given to companies that are members of the Russian Union of Motor Insurers (RSA). In our turbulent times, the PCA will cover the losses on the policy if the insurer suddenly goes bankrupt.

The choice of the insurer should be approached responsibly, so as not to regret later. This will help the company's website and search on the Internet. Based on the reviews, you can get an objective idea of the quality of work and how quickly and efficiently the company fulfills its obligations.

The advantage of this choice is a policy on government letterhead received from an official employee of the company. Given the massive fraud in the insurance market, this is a good guarantee of the authenticity of the document.

Online registration

Since July 2015, an opportunity has appeared, which then grew into a wide distribution - online insurance. Without a doubt, this is a very convenient service. Most major insurers have opened the sale of electronic policies.

This is a modern way to obtain an insurance contract, which saves time and effort - everything can be done at home, sitting at a computer.

But this is also one of the riskiest ways due to the large number of scammers and scammers. No one will return the money spent to the deceived insurers, and the policy will have to be bought a second time. Moreover, fines and punishment for a fake policy will be imposed on the owner of the car.

When buying a policy via the Internet, you need to be absolutely sure that the organization offering the service is not a fly-by-night butterfly.

Insurers' offers

The presence of the Internet allows, without leaving home, to calculate the cost of OSAGO on the websites of auto insurers. This can be done in different companies and decide who is most profitable to apply for a service.

Attention should be paid to the presence of imposed services. Some companies, considering OSAGO as a loss-making product, seek to impose on the insured additional services in which he is not interested, otherwise refusing to conclude an OSAGO agreement.

Inflated rates are also often encountered - the insured does not apply a reduction factor (accident-free bonus-malus). Most often this happens when changing insurance companies.

Unscrupulous sellers try to take advantage of the insured's ignorance, convincing him that it takes a long time to figure out this reduction factor. To protect your rights, you should insist on applying the coefficient or simply contact a more decent insurer.

Registration procedure

After choosing an insurer, certain steps should be taken to obtain a policy:

come to the office of the insurer;
provide the employee of the organization with the necessary package of documents;
pay the cost of insurance.

The result of these actions will be the necessary OSAGO policy for a truck.

Trailer and semi-trailer insurance

Separate trailer insurance has been cancelled. Now, when insuring a truck or tractor that uses a trailer / semi-trailer, this fact is taken into account through a multiplier. Moreover, this trailer is not tied to the truck's OSAGO policy - you can use not only this trailer, but also any other trailer with similar characteristics.

At the same time, a separate note about the presence of a trailer is made in the policy itself.

How to apply for a policy online

Making an insurance policy via the Internet is without a doubt the most modern way to conclude an OSAGO agreement. More and more people tend not to waste time in the offices of insurance companies, but to conclude contracts online.

However, not all so simple. Although 14 companies actually sell e-policies today, all of them have some limitations. Some companies are engaged only in the extension of existing contracts, others work exclusively in the regions where they have their branches.

So it turns out that with a large market of insurers, it is possible to conclude a new OSAGO agreement for a truck online only in VSK and RESO.

Despite the difficulties, the advantages of such insurance are obvious:

performed from any convenient place where there is Internet;
does not depend on the work schedule of the insurer and can be performed at any time of the day;
eliminates waiting in lines, traveling in transport, standing in traffic jams, etc., that is, as comfortable as possible for the insured;
allows you to operate with accurate information about the prices for the service and eliminates all kinds of additional insurance that they try to sell as a load.

An online OSAGO policy for trucks is absolutely equivalent in its effect to a document issued at the office. Many vehicle owners try to take advantage of the opportunity and conclude an OSAGO agreement online, but not everyone succeeds.

Indeed, insurance via the Internet, in addition to active fraud on the network, has another problem - these are all kinds of inaccuracies and errors in the PCA database, as well as its far from constant availability.

As a result, insurance buyers are divided into two camps:

happy e-policy holders who got everything done without any problems;
those who received an online policy with unrealistic work or did not manage to buy it via the Internet at all - there are much more of them (from 70 to 90% of policyholders).

It is encouraging that the PCA database is constantly being adjusted and replenished, that is, the situation with online registration promises to normalize.

In addition to car owners whose data has obvious errors, you will not be able to buy a policy via the Internet for those who:

insures a truck for the first time, which means that there is no information about them in the PCA;
has any changes in the policy - from a change of address to a change in the list of drivers;
buys a car from hand - while the e-policy does not take into account the change of ownership and is formed for the old owner, which will not allow the car to be registered with the traffic police.

Thus, to date, issuing OSAGO for an individual for a truck is not difficult. You just need to choose the most convenient and safe way to apply for insurance.

When concluding an OSAGO contract for trucks and cars, various issues may arise, which our online lawyer will help you deal with. You can sign up for a free consultation on the website, through a special form.

Many thanks to the manager Arvid for being able to quickly deal with the problem with the OSAGO coefficient. Literally fought the insurance company for me. Good luck guys!

Alexander

Thank you for such a fast delivery of the policy. We have a legal entity, and so far they don’t make electronic OSAGO for lawyers, and the guys brought the policy in just an hour.

Paul

Thanks for the detailed advice during the accident. I called Element and they instructed me in detail about my actions in case of an accident. I wanted to thank them, and they said that the best advice is a good review on the site. Everyone would work like that.

Arsen

Dmitry helped us deal with the problem. I got into an accident, I was guilty, 2 months after I received a letter from my insurance company that I should compensate them for the cost of repairing the car I drove into. It turns out that I had to notify them about the accident, because we used the Europrotocol. They really do have a rule. But Dima helped me avoid this!

Anton

Professionals in their field. Even the courier knows a lot about insurance. He told me a lot about how to behave in case of an accident. Thank you!

Natalia

I want to convey a big thank you to your manager, unfortunately I do not remember his name. He issued a policy very quickly and answered in detail a thousand questions that I threw at him.

Catherine

Great service guys. It is very convenient that there are all payment methods. Transferred money via PayPal

Evgeny Mikhailovich

I issued OSAGO directly on the site. Didn't speak to anyone. I quickly entered all the information and received a calculation, moreover, the data on my car was found automatically, and I only drove in the number of my car. "What progress has come!"

If cars are purchased for everyday needs, then trucks are most often bought for the purpose of earning money. But in order to drive safely, you will need not only title documents for the vehicle - truck insurance is mandatory, in this case we are talking about OSAGO. This type of policy can be issued by any accredited company, and you can even conclude an agreement online.

How to get truck insurance

OSAGO is a compulsory type of motor third party liability insurance for all types of vehicles. Where to buy a car insurance policy, the client chooses on his own. When contacting the company in person, an individual initially presents all the necessary documents, then signs the contract, and only then makes the payment. In some insurance companies, you can issue an OSAGO with a breakdown of payments. However, the client should remember that if he failed to make a payment in a timely manner, then the contract may be declared invalid.

Accredited insurance companies are engaged in registration of OSAGO, which are required to have a licensed permit for the provision of this type of service. Before you buy a policy, you should look at the PCA website to see if the license of the selected company has expired.

If the driver wants to buy OSAGO, but at the same time he decided to rent cars privately, then when signing the contract, the agent should be informed about this. Why is it necessary? An unlimited number of people will be allowed to the car, and if you issue an OSAGO, where only the owner of the car is indicated, then no compensation will be paid upon the occurrence of an insured event. The company's agent should suggest how to properly insure your car in order to be guaranteed compensation.

Required documents

The procedure for issuing an insurance policy for a truck is almost the same as buying an OSAGO for a passenger car. The client must prepare the required list of documents and apply to the company.

To purchase OSAGO for your truck, an individual will need:

A diagnostic card is a document certifying that a technical inspection has been carried out.
Registration certificate and title for the tractor, similar documents for the trailer (if any) are attached.
Documents establishing the ownership of the car. This may be a contract of sale, inheritance or donation papers. Cases are allowed when a general power of attorney is issued for the car, then this document is attached.
Driver's licenses of all persons admitted to driving the vehicle.
Civil passport of the insured and persons admitted to driving the vehicle (copies can be presented).
Previous policy, if any.

There may be situations when the buyer decides to buy extended insurance, in which there is no limit on the number of persons allowed to drive a car. In this particular case, only the client (insured) should provide a passport and VU.

A new contract must be drawn up no later than 20 days before the end of the old one. At its discretion, the client buys a policy for a period of 3 (seasonal) to 12 months. The insured may refuse to apply if the full package of documents is not provided, in other cases the motorist receives the completed form on the day of contacting the agent.

How to get e-insurance for a truck

Buying an electronic MTPL for a truck is much easier for an individual, especially since at the moment almost all companies have developed such an option.
The scheme for issuing OSAGO online is similar to the standard mode, the only point is that the client enters all the data into the electronic form on his own. In some cases, a company representative calls the user back to clarify the data.

Previously, in order to issue an OSAGO for a truck, it was necessary to visit the company's office. Now each user has the opportunity to buy an electronic OSAGO policy online.

After successfully filling in the information and agreeing on the transaction, the insured is provided with the details for payment. You can make a payment from a card, through a terminal or from an electronic wallet. Further, the issued policy will be sent to the client in electronic form to the specified mail. The finished document will only need to be printed. By the way, many companies offer courier delivery, in which case you will need to wait until the finished electronic OSAGO policy is brought to the client.

How to calculate the cost of OSAGO for a truck

Insurance for trucks and cars is calculated in accordance with the Directive of the Central Bank of the Russian Federation. For calculation, there is a base rate (for trucks from 3509 to 6341 rubles), which is multiplied by the coefficients. The region of residence, driving experience, technical characteristics of the car, the period of insurance, the number of insured drivers - all these indicators are used for a truck and will be taken into account when calculating the final price.

The calculation is carried out according to a single formula, so you can make an approximate calculation yourself, focusing on tabular indicators. However, not everyone can correctly select the data, so inaccuracies are possible. For a more accurate calculation, there are online calculators on insurance websites, in this case, errors are excluded.
The final cost will depend on the following indicators:

Type of truck (with a permitted weight of up to 16 or more than 16 tons).
The presence of a trailer. For a car with a trailer, the cost of the policy will be higher. The contract does not include data on a particular trailer, so different trailers can be attached to the tractor without taking out new insurance or changing the data.
The period for which the policy is purchased.
Region of registration of the insured vehicle.
The number of persons admitted to management - the more people are included in the insurance, the more expensive it is.
Engine power - this indicator does not apply to trucks.
Coefficient of age and experience of the driver - if the client has no or minimal experience, then the FAC is the highest.
The bonus-malus coefficient is the percentage of the discount that is provided for accident-free driving and the presence of a certain driving experience.

The make, model and year of manufacture of the car also matters, the insurer requests this data first of all.
The most accurate calculation can be obtained on the RCA website, all data is up-to-date in accordance with current state regulations.

Conditions of truck insurance in different insurance companies

Many clients are outraged that it is possible to insure a truck under OSAGO with several companies at different prices. Some are cheaper, others are more expensive - why, if the tariff corridor of the base rate is currently set, is the difference in price so significant? The bottom line is that many agents impose additional services on clients, it can be life insurance and so on. Sometimes even the inclusion of such an option is silent. In order not to overpay, the insured should immediately ask on the basis of what parameters the calculation was made and what is already included in the cost of the service.

For example, you can take the calculation on the PCA calculator and the third-party service of the Reso company. We take a truck weighing more than 16 tons, with a trailer. The term of the contract is 12 months. The car owner has not previously insured property (TC). The period of use is more than 10 months, the region is the Moscow region, the Odintsovsky district, the city of Golitsino. You need a policy with no restrictions on the number of drivers.

According to the given parameters, according to the PCA calculator, the contribution can range from 20,211.30 to 24,252.32 rubles. Whereas, according to the given similar parameters according to the calculator of the Reso company, the cost of the policy will cost 22,188.4 rubles.

The price of a issued policy largely depends on the company in which you insure your car. If you buy insurance for subsequent years in the same company, as a regular customer, a motorist may be offered a discount.

As we said earlier, the process of obtaining an autocitizenship for trucks for private and legal entities has its own differences.

Individuals need: a document of ownership of the truck; registration with the traffic police; driving and personal documents; previously issued policies; diagnostic card.

For legal entities: a contract for the sale of a truck; certificates of registration of the enterprise and the vehicle in the traffic police; power of attorney for the issuer of the policy; diagnostic card; register of driver's licenses of individuals admitted to driving a truck. If you take out insurance without restrictions, a hundred list of a driver's license is not required.

Freight transport has a different purpose, unlike passenger cars. Cargo transportation can be carried out for own needs or commercial supplies. For this reason, two insurance options are distinguished: OSAGO for a truck for an individual and an organization. For private owners of such vehicles, a larger list of insured events is also offered:

theft and theft;
wear of the vehicle;
traffic accidents (including those caused by the cargo, but not the car);
natural and man-made incidents;
vandalism and damage to the van.

If the cost satisfies, you can proceed to the issuance of an OSAGO policy. To do this, an electronic application form is filled out on the website of the insurance company with the following information:

vehicle information (make, model, VIN number, service life, mileage);
information about the owner and persons admitted to driving the vehicle (personal data, driving experience);
history of previous insurance contracts;
term of conclusion of the contract and insured events.

The insurance company may introduce individual restrictions and rules for cooperation with the owners of trucks. However, they are within the framework of the Government Decree, which in turn sets out a number of mandatory criteria for insurance. Among the main rules for the insurance of freight transport are:

The tariff and payment under OSAGO is determined by the make and type of the truck. Semi-trailers and vans are characterized by some of the cheapest rates, while the most expensive is for refrigerated trucks. Also, owners of new foreign-made vehicles will have to pay more, because. their tariff is much higher than for domestic used models.
In terms of carrying capacity, vehicles are combined into two categories - cargo (up to 18 tons) and heavy trucks (more than 18 tons). In the same category, cars have the same billing.
Insurance of certain cargoes does not prohibit the transportation of others. When the transport was damaged, for example, during operation in a period not covered by insurance, a refusal to compensate for OSAGO will follow. If the truck is damaged while transporting cargo that does not fall under the insured type, the owner is entitled to full compensation. In this case, only the cargo is not subject to compensation.

There are other nuances that take place in a particular insured event, but they are rare.

In order to issue a policy, you need to make sure that the car is in good condition. For freight transport, the requirements for passing service stations are strict. The main one is that the machine must be checked by an accredited operator, which is in the RSA register. The legislation establishes the terms for passing technical inspection:

If the carrying capacity of the vehicle is less than 16 tons, the owner must begin to conduct an inspection after 3 years of operation of the car (provided that the car is new). Vehicles aged 3 to 7 years are checked every 2 years. Cars older than 7 years - annually.
If the load capacity of the truck is more than 16 tons, an inspection is carried out every year.
Trucks transporting dangerous goods are inspected every 6 months.

The cost of the policy depends on the carrying capacity of the vehicle. Engine size does not matter, this parameter is not taken into account when calculating the price of electronic insurance. At the same time, the owner is given a discount when reissuing the policy if the driver's driving experience exceeds 3 years. The period for which you can purchase OSAGO is 3 - 12 months.

Our insurance company offers individuals and organizations from Moscow that own trucks to purchase e-CTP online. We also issue policies for owners of minibuses and buses.

Making an insurance policy for a vehicle is a rather lengthy process that requires a lot of time and attention. Collecting documents sometimes takes a lot of time, which entails not only stagnation in work, but also the loss of potential customers of freight companies. We will draw up a contract in a short time in accordance with all the rules so that you can travel without fear.

Truck insurance MTPL The insurance company you insure with will reimburse you as soon as possible for repairs or the cost of the truck if it is stolen. Of course, provided that your OSAGO policy is drawn up correctly and takes into account all possible risks. How to choose such a company? Contact our company OSAGOiKASKO.NET for help. We will always advise you on insurance issues and help you find out where you can insure the truck and also help you choose the best insurance rate.

The specialists of our company OSAGOiKASKO.NET have information about the most famous large insurance companies and we know which of them is reliable in the insurance market. With information on hundreds and dozens of insurance rates, our company will select the most suitable OSAGO and CASCO policy for you.

OSAGOiKASKO.NET specialists will tell you what risks to include in the insurance policy, how to profitably calculate the book value of the truck, and advise you on what to do in the event of an insured event. With our company auto insurance becomes easier!

You can issue OSAGO and CASCO for any brand of car. You only need to call us by phone: 7 499 399-34-53 or come to our office: Konkovo metro station, Moscow, Profsoyuznaya street, 111, bldg. 1.

Depending on storage conditions and accident-free driving experience, insurance companies may offer special truck insurance programs or, for example: CASCO auto insurance with a franchise.

READ ALSO: Reso termination of the Casco contract

Our special program "Careful storage" provides for the parking of the vehicle in a closed and guarded area. This type of insurance is popular with fleet owners, because they can get an additional discount of up to 25% on the amount of insurance payments.

The Confident Driver truck insurance program allows you to save up to 50%. The owner of the vehicle pays the remaining half of the insurance premium only if an accident occurs. However, in case of damage or theft of a car, compensation is paid in full.

The following documents are required to apply for truck insurance:

Civil passport and driver's license.
Power of attorney (if any).
Technical passport of the truck.
Certificate of registration in the traffic police.
Checkup sheet.

If you present last year's insurance policy, you will be able to take advantage of special discounts for regular customers.

The final price of an OSAGO insurance policy for freight transport depends on several criteria:

Vehicle lifespan;
Brand and model;
The power of the power unit;
Place of registration of transport;
Driving experience and age of the owner;
Driving experience, age and number of persons allowed to drive the car;
The terms for which the truck is insured;
History of insurance;
Seasonality of car operation.

Freight transport purchased on credit or leasing is necessarily insured not only under the OSAGO agreement, but also CASCO. On average, the value of tariffs for large cars is about 2-4%. The highest CASCO insurance rates are provided for mini-trucks, minibuses and vans.

An owner who takes out full OSAGO and CASCO insurance for large-sized vehicles protects both himself and the car driver from the risks associated with accidents, injuries, as well as financial claims and lawsuits. In the event of an insured event, the main material costs will be borne by the insurance company, and not by the owner of the vehicle.

In order to insure a truck and obtain an OSAGO policy, you must provide the insurance company with the following package of documents:

Technical passport of a large vehicle;
Driving license, passport and other documents of the owner of the car;
Vehicle registration certificate;
Previous OSAGO insurance policy, if any.

Collecting the full package of documents listed above is quite simple, so the execution of an insurance contract and the issuance of an insurance policy are carried out as soon as possible. The calculation of the policy can be made directly at the office of the insurance company in order to know the full cost of insurance.

Ask an insurance lawyer and solve your problem!

In order to insure a truck under OSAGO for an individual, it is necessary to go through an almost identical procedure to the one that relies on issuing a policy for other types of vehicles, including cars, but some differences still exist.

What can be the cost of an insurance policy? If necessary, it is possible to independently calculate the price based on existing formulas, but the best option would be to use a special online calculator, which is posted on the official websites of most insurance companies.

In order to obtain data on the final cost of the policy, you only need to enter the data that will be requested by the system.

Factors and conditions that will affect the cost of the insurance policy are the following:

Year of manufacture of the truck;
Duration of direct use of the truck;
Truck make and model;
Vehicle engine power;
The region in which the car is registered;
The age of the person who fits into the insurance as one who is allowed to drive the machine;
The length of time the motorist has been driving vehicles. In this case, such a factor is understood as how long ago he received the rights as a result of passing the exam in the traffic police, which is required in such situations;
The length of time during which the client wants the insurance policy to be valid;
History of insurance relations with companies.

It is necessary to reflect the fact that those cars that were received for use on the basis of a concluded leasing agreement, in addition to registration of OSAGO, also require the purchase of CASCO - such an action is a prerequisite of the concluded agreement.

The package of documents required to purchase a motor vehicle varies depending on the owner of the vehicle.

Individuals are required to provide:

passport;
vehicle documents: PTS or registration certificate;
a written application (when applying for a policy online, an application is generated automatically);
driving licenses of all people allowed to drive the insured car;
diagnostic card confirming that the vehicle is in good condition.

If the car belongs to a legal entity, then you will need:

certificate of registration of a legal entity;
power of attorney for a representative;
representative's passport;
insurance application;
Title or vehicle registration certificate;
diagnostic card;
subject to a limited list of eligible drivers, copies of all people's driver's licenses. If insurance is issued for an unlimited list of drivers, then certificates are not required.

The issuance of an auto citizen is carried out only after the full payment of the insurance premium (the cost of the policy), as evidenced by a check, receipt or payment order.

Each owner of a truck registered or operated in Russia is required to have an OSAGO insurance policy that protects the driver's liability.

Legal entities and individuals are insured according to the same rules.

OSAGO is a compulsory type of motor third party liability insurance for all types of vehicles. Where to buy a car insurance policy, the client chooses on his own. When contacting the company in person, an individual initially presents all the necessary documents, then signs the contract, and only then makes the payment.

In some insurance companies, you can issue an OSAGO with a breakdown of payments. However, the client should remember that if he failed to make a payment in a timely manner, then the contract may be declared invalid.

What documents do you need to provide

Insurance is issued for a truck in exactly the same way as for a car. The car owner must submit all the necessary documents from the list of the insurance service.

So, now the entire list of documents that will be required when registering OSAGO for trucks for individuals to receive will be presented:

diagnostic card. Who does not know, this is such a document that proves that the driver has passed the technical inspection;
technical passport and title for the truck, including the same documents for trailers, if any;
papers that testify to the ownership of the car. A document stating that the car was once donated or a purchase contract is allowed;
the rights of all participants in driving a car;
passports of the main driver and all authorized persons who have the right to drive the car;
if available, a policy that was previously active should be presented.

It often happens that the driver purchases insurance with advanced features. It does not limit the number of participants in the use of cars. Then the passport and the rights will be required only from the main owner of the truck.

The next offer is concluded when 20 days have not expired before the termination of the previous contract. Based on the financial situation and personal preferences, the driver has the right to purchase a seasonal policy, that is, for a period of 3 months or for a period of 3 months to a year.

The client receives a refusal in the event that he did not provide a complete list of required papers. Otherwise, he receives the policy exactly on the day he turned to the company's agent.

What is the year of manufacture of the car and the period of its operation.
Model and make of the car.
Engine type and power.
Where the truck was originally registered.
How old is the owner and his driving experience.
Driving experience and age of persons who can also drive a vehicle.
period of car insurance.
Past history of all insurances.
Highlights of the use of the vehicle by season.

Trucks that were bought on credit must necessarily obtain a policy not only in the OSAGO service, but also in CASCO as well.

A car enthusiast who decides to insure his vehicle can directly protect not only his life and car, but also other road users or accidents.

This is a great chance to minimize your expenses for the treatment or restoration of a car after an accident. Because after the occurrence of an insured event, the company that is tied to the car is obliged to compensate for the damage.

However, the capabilities of OSAGO do not allow the full program to protect their customers in the way that CASCO does.

The Central Bank of the Russian Federation is responsible for specifying a certain cost of car insurance. The initial calculation rate for trucks is from 3,500 to 6,000 thousand. And all this amount is multiplied by several important coefficients.

Where the owner of the freight transport lives, what driving experience, vehicle characteristics, the period of validity of the insurance and how many participants will be included in the contract - all this is taken into account when calculating the cost of the policy.

Of course, the rates for all companies differ, but there is a single formula by which the cost is calculated. The driver has the right to independently find out how much he will have to pay, but the figure will not be entirely accurate. Therefore, most insurance companies work on the basis of online calculators, which automatically and with high accuracy can calculate the final cost of insurance.

In addition to the above factors affecting the cost, there are individual indicators for a freight vehicle:

type of freight transport (depends on the maximum allowable weight);
the presence of a trailer. The fact is that the price of a car with a trailer will be higher, so you should immediately indicate it in the transaction in order to avoid trouble;
validity period of the insurance policy;
Where is the registration of the car?
how many people are spelled out in the contract - as the number of participants increases, the cost will increase;
how powerful the engine is - this factor is excluded when calculating the price for trucks;
how old is the driver and how long has he been officially admitted to the car. The lower these figures, the more you have to pay;
bonus-malus is an indicator that imposes a discount, provided that there have been no accidents before and the driver's experience is impressive.

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