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MTPL options. What the new MTPL policy looks like - electronic and paper. Features of comprehensive insurance

Car insurance can be roughly divided into three parts:

  1. Insurance of your liability to third parties (OSAGO and DOSAGO).
  2. Car insurance against damage and theft (CASCO).
  3. Life and health insurance of vehicle passengers (VV).

If any of the above is not familiar to you, then it is worth spending a few minutes on this article. As practice shows, useful information can help save a lot of time.

Your civil responsibility

Civil liability (CL) is the obligation of the perpetrator of a road traffic accident (RTA) to compensate for the damage caused by his actions to the property interests of third parties. In this case, harm may be caused to the life, health or property of the victims.

The most common type of civil insurance is compulsory motor liability insurance. That is, mandatory insurance of your liability to the injured party. There is also voluntary GO insurance - DOSAGO or as it is also called DGO.

Let's consider these two types separately.

  1. Compulsory civil liability insurance for vehicle owners (MTPL).
    An insured event is damage to the life, health or property of third parties as a result of an accident.
    The amount of compensation is limited: the limit of payments for harm to health and life is 160,000 rubles. for each victim, the limit on property damage is 160,000 rubles. for all victims or 120,000 rubles. for one.
    OSAGO is mandatory for all car owners. In the absence of a policy, the car owner faces a fine and the car will be placed in a parking lot. In addition, without a compulsory motor liability insurance policy, you cannot register your car with the traffic police or undergo a technical inspection.
  2. Voluntary insurance of civil liability of vehicle owners (DOSAGO).
    Insured events here are the same as under MTPL, but MTPL comes into force only when the damage exceeds the maximum amount of compensation specified in the MTPL Law.

    The main goal of DOSAGO is to increase the liability limit. Obviously, the amount of payments for compulsory civil liability insurance (120 or 160 thousand rubles) is relatively small and may not cover the cost of one wing or door of an expensive foreign car. This means that you will pay the difference out of your own pocket. To prevent this from happening, DOSAGO was invented, the liability limits for which range from 300 thousand to several million rubles. And most importantly, DOSAGO is not expensive. The usual price of a DOSAGO policy with a limit of 1-3 million rubles is only 1-5 thousand rubles.

    If you:
    - young or inexperienced driver;
    - live in a large city with high traffic intensity;
    - you are not sure that you will be able to pay for the repair of an expensive foreign car yourself.
    then we recommend that you think about purchasing a DOSAGO policy.

  3. Green card (international MTPL policy).
    If you have to travel with your car to other countries, then for the duration of your stay abroad you will need a Green Card. It is called that because the form of this document is green in all countries. Without a valid policy, you simply will not be allowed into the territory of another state.
    Such insurance is mandatory abroad in 45 countries that are members of the International Green Card System. These are all European countries and a number of countries in Asia and Africa. The policy is issued by an insurance company of a Green Card member country and is valid in all states party to the agreement.

    The Green Card works similar to compulsory motor liability insurance. The Motor Bureau of the country in which the insured event occurred documents the accident and compensates for damage caused to third parties by the owner of the Green Card residing in that country. Subsequently, these costs are compensated by the insurance company that issued the policy to its client.

    Insured events are the same as for civil defense – damage to the life, health or property of third parties as a result of an accident. Insurance amounts (amounts of compensation) are established in accordance with the legislation of the country in which the accident occurred.

your car

If you get into an accident as an injured party, it is not always possible to receive full compensation for damages under the culprit’s MTPL policy, and he may not have MTPL, then you will have to seek compensation through the court. This is an unpleasant and very troublesome matter, not to mention the fact that the culprit may be poor, which will lead to delays in payments for months, or even years.

If you yourself caused an accident and your car was damaged, then any civil insurance policy in this case will not help at all; its effect does not extend to the car of the culprit.

The same is true with other unpleasant events, as a result of which the car is damaged, but there was no accident at all. We are talking about natural disasters, falling trees or icicles, the actions of intruders, fire or arson, a stone in the windshield, etc., etc., not to mention theft.

To protect against these troubles, there is CASCO.
This is a voluntary type of insurance that protects the property of the policyholder, namely the car and its additional equipment, regardless of what caused the damage to the vehicle (you can calculate the cost of the policy using the CASCO online calculator).

CASCO insurance coverage covers two main risks:

  • theft (theft);
  • damage.

You can insure your car only against damage, without theft. This is called “partial CASCO”. But insuring a vehicle only against theft, without damage, will be problematic; insurance companies are distrustful of this option for protecting the vehicle.

Your life and health

It is undeniable that any car owner values ​​his car and material well-being. But your own health and the lives of loved ones are more valuable.
To protect them, there is accident insurance (AC).
Insured event – ​​harm to the life or health of the driver and passengers as a result of damage or death of the car. Compensation is paid to victims or their relatives in the event of death, permanent loss of ability to work (disability), temporary loss of ability to work as a result of injuries.

Injury insurance is available in two options:

  • according to the lump-sum system, the entire interior of the car is insured and payments are made by dividing the total insured amount by the number of victims;
  • According to the seat system, each seat in the car is insured for a certain amount.

This type of insurance is voluntary. The insured amount can be determined by the client himself. It should be noted that accident insurance rates are quite acceptable and range from 0.3 to 1% of the insured amount.

In conclusion about comprehensive auto insurance contracts.
An MTPL policy is always a separate document of the established form, which is purchased for each vehicle. The same applies to the CASCO agreement - it is tied to a specific car.

DOSAGO and accident insurance contracts, in principle, can be drawn up in a separate document, but with a mandatory strict link to a specific vehicle. Although this option is used extremely rarely, since insurers make every effort to ensure that the client first purchases a CASCO policy and rarely insures DOSAGO and NS without it.

Therefore, almost all insurance companies offer comprehensive auto insurance contracts. They include all three types of voluntary insurance for a specific car: CASCO, DOSAGO, NS. At the same time, CASCO acts as the main and mandatory one, and DOSAGO and NS act as additional ones. If the client does not want to insure additional types, then the corresponding sections of the contract are not used. In order to interest the client in concluding a comprehensive contract that includes all three types of insurance (“three in one”), insurance companies, as a rule, give significant discounts on additional types, and sometimes on all three. There are also cases when, when purchasing CASCO and DOSAGO, insurance for insurance is provided as a gift (or vice versa - DOSAGO as a gift when purchasing insurance).

Therefore, if you have made a final decision on insuring your car and have decided on the types of protection you need, then it is advisable to enter into a comprehensive contract, and simultaneously with the registration of a compulsory motor liability insurance policy. In most insurance companies, this will give you the opportunity to receive the greatest financial gain without loss of quality.

Cases of falsification of MTPL insurance policies have become more frequent recently. In this regard, the Russian Motorists Association (RAA), together with the government of the Russian Federation, decided to issue other forms. Let's consider the new type of MTPL policy, its appearance, content, and protective functions.

Information specified in OSAGO and the appearance of the policy

The most obvious difference between old and new car insurance is the change in color of the form. Previously, OSAGO was made in two tones with a predominance of green. Now the “auto citizen” includes several different colors. From yellow, the policy gradually turns into pink-violet (see photo below).

The complex color design of the new OSAGO model serves as additional protection against counterfeiting.

The forms are produced by Gosznak. All products of this organization include identification features that are difficult to fake. The new OSAGO policy is manufactured with an increased degree of protection.

Main characteristics of the current form:

    paper has increased density;

    there is a micromesh security pattern around the entire perimeter of the document;

    a background image of a car is located in the center of the document;

    presence of watermarks - when holding the form up to the light you can see the inscription “RSA” and an image of the car;

    on the form there is a metallized strip on both sides, next to it there is the inscription “OSAGO”, when viewed in the light the word “policy” is visible;

    there is a unique QR code that allows you to find out all the information about the insurer;

    Different fonts are used to fill out different paragraphs of the document.

Document size is another way to protect it. It exceeds the standard A4 format by approximately 1 cm.

    The insurer's stamp, which must contain the logo, full name, addresses and telephone numbers of the organization.

    A series of 3 letters and a digital document number. In 2019, all forms of classic OSAGO are issued under the series “MMM”, “KKK”, “EEE” is valid (issued until July 2018).

    Under the name of the document, its series and number there are two fields for entering the insurance period. The smaller block (first) indicates the start and end dates of the contract. The second column (larger block) is provided to indicate the insurance period (up to 3 periods).

    The first insurance block contains information about the policyholder (his full name).

    The second paragraph should contain information about the vehicle and its owner. Here they indicate the make, model, VIN number, registration number of the car, PTS or STS number and the full name of the car owner. Also, according to the new requirements, in this column it is necessary to indicate the purpose of using the vehicle (personal, educational driving or commercial activity).

    The third column contains information about drivers allowed to drive the car. If you are taking out unlimited insurance, then check this box in the appropriate field.

    Paragraphs 4-6 are filled in automatically and contain up-to-date information on current insurance legislation.

    The seventh block specifies the amount of the insurance premium. In 2019, a table for indicating odds appeared in this section.

    The eighth paragraph is intended for the insurer to make special notes regarding the concluded contract (for example, details of payment documents).

The final part of the document contains the following information:

    date of conclusion of the contract and issue of the policy;

    signatures of both parties (with a transcript of the insurer’s signature);

    round “wet” seal of the insurance company.

An MTPL policy may be declared invalid if it does not have the insurer's round seal.

In addition, the policies of the new series differ from each other. “KKK” has a table on the back for indicating additional insurance contracts. It's not in MMM.

What does an electronic OSAGO policy look like?

According to No. 40-FZ, each insurance company must provide the opportunity to purchase policies online. In 2019, this feature is gaining increasing popularity due to the ability to save time on office visits and convenient ways to pay for the product. Therefore, it is important to know what an electronic MTPL policy looks like.

There is a difference with the “automobile license” received offline. Insurance issued in the office and e-OSAGO differ in the word “electronic” in the name of the document. In addition, e-OSAGO has the “XXX” series.

A policy in electronic form is characterized by the absence of hidden and visually noticeable protective elements. Color is also not important. You can even print the form on a black and white printer, and it will have legal force.

Let's sum it up

The new type of MTPL policies differ from the old forms in the enhanced degree of protection against falsification, the color of the document and the presence of a table for calculating the premium. The changes did not affect the insurance structure. The key differences between classic and electronic MTPL are only in the name, series and protection of the document.

Currently, insurance under the MTPL system is mandatory for all motorists without exception. However, in addition to it, there are several other types of car insurance, which together can fully compensate for the damage not only to the victim of an accident but also to the culprit, if he is the owner of all or almost all driver financial protection policies. What types of car insurance exist today? What are their similarities and differences?

OSAGO

The most popular and ubiquitous insurance, due to its compulsory nature, is compulsory motor third party liability insurance. This insurance policy is not a mechanism for compensating for damage to the policyholder's vehicle. OSAGO is exclusively a tool for the financial protection of the car owner in the event that he becomes the culprit of an accident. In this case, the insurance company compensates the victim for damages, which, according to today’s laws, does not exceed four hundred thousand rubles. The difference between the actual amount of damage and the amount paid under the motor third party liability insurance policy is paid by the culprit of the accident at his own expense. If there are victims in an accident, the amount of compensation increases to five hundred thousand rubles, but the culprit also pays claims in excess of this amount independently.

The cost of an MTPL policy directly depends on the power of the insured vehicle, the driving experience and age of the policyholder, its accident rates and the category of the vehicle. The average cost of a policy for passenger cars in the Russian Federation is 10 - 12 thousand rubles per year. Moreover, after the fact of payment of compensation to the victims, the cost of the compulsory insurance policy for the culprit of the accident increases significantly. This way the insurance company compensates for its costs of paying compensation and insures against financial losses in the future.

They are carried out taking into account the wear and tear of damaged car parts by calculating their residual value and the amount of financial resources required for repairs if possible. In case of total damage, the amount of compensation for a wrecked car also directly depends on its age and the expected or established degree of wear. Refusal to pay under a compulsory motor liability insurance policy can be justified by the following factors:

  1. At the time of the accident, the car was being driven by a person not included in the policy
  2. The driver had alcohol in his blood, the amount of which exceeded the permissible limits
  3. The driver left the scene of the accident or did not properly report the accident
  4. The driver repaired the car before it was inspected by the appraiser or did not provide the insurer with the opportunity to inspect the damaged car

It is worth noting that the amounts calculated by insurance companies as compensation can be inadequately small. In such cases, the victim can receive the missing amount through the court by filing a claim against the insurance company or the person responsible for the accident.

DSAGO

DSAGO – voluntary motor third party liability insurance. This type of insurance, as can be seen from the decoding of its abbreviation, is voluntary and does not require mandatory registration. In fact, DSAGO is not an independent type of insurance, but an extension of the capabilities of the compulsory insurance described above. In this case, the amount of payment under DSAGO can reach three million rubles. Here, as in the first case, it is not the car that is insured, but the civil liability of its owner. A significant increase in the amount of compensation is especially important in light of the appearance of a large number of expensive cars on public roads.

DSAGO insurance is issued together with a compulsory motor liability insurance policy, which slightly increases its cost. The surcharge for expanding the possibilities of financial protection for motor third party liability ranges from one to four thousand rubles, depending on the maximum possible amount of compensation, as well as on those factors that influence the cost of the compulsory insurance policy.

CASCO

The term "CASCO" has several types of abbreviation, the most plausible of which is its origin from the Italian "casco", which literally means "helmet" or "helmet". It is understood that a car insured under this system is in a helmet, that is, under reliable financial protection.

The fundamental difference between CASCO and the types of insurance described above is that in this case, it is not civil liability, manifested in compensation for damage caused to third parties, that is insured, but damage caused directly to the insured’s car. It does not matter whether the insured is at fault for the accident or not. As a rule, an insurance company can refuse payment under CASCO only if the driver was drunk at the time of committing an administrative offense (road accident) or seriously violated the procedure for registering an accident (fled from the scene of the accident).

It is worth noting that CASCO is not a replacement for compulsory motor liability insurance, but is done in conjunction with it. Neither CASCO nor DSAGO replaces the need for MTPL insurance. In this case, the maximum amount of compensation under CASCO can reach two million rubles, or be the cost of the car destroyed in the accident. In this case, not the market value, but its residual value is taken into account. It is impossible to receive compensation for a used car as for a new one.

The cost of a CASCO policy can vary significantly due to the fact that the cost of insurance under this system is determined by the insurance company itself. At the same time, in addition to the subjective desire of the insurer, the cost of the policy is influenced by many factors:

  1. Car cost
  2. Cost of spare parts
  3. Driver length and experience
  4. Driver accident rate
  5. Items for which the car is insured (theft, accident, natural disaster, vandalism)
  6. Frequency of thefts of similar cars and frequency of their participation in road accidents

The average cost of a CASCO policy for budget foreign cars today is 30–100 thousand rubles per year. However, this amount allows you to completely protect yourself from the need for unplanned financial investments in repairing a car damaged in an accident or as a result of a natural disaster.

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A car is no longer a luxury: it is often a necessity dictated by the pace of modern life. However, by purchasing such a vehicle, its owner acquires not only a pleasant advantage, but also hassle, often costly - we are also talking about car insurance. Therefore, every driver should understand why it is necessary to insure their car, as well as understand the variety of car insurance in order to make the right choice. Let's look at all these questions in the article.

Why do you need car insurance?

The number of cars on the roads is increasing, and along with it, the number of accidents in which vehicles and people (drivers, passengers and pedestrians) can be injured is also growing. One such accident can cause significant material damage to the owner of the car. Both the injured party and the guilty party are big losers.

In such cases, car insurance comes to the rescue. It is designed to protect the financial interests of the insured car owner. The insurance policy covers material costs to restore a car damaged after an accident, breakdown or natural disaster, or to buy a new vehicle after theft. Auto insurance also protects the interests of a third party injured by the insured vehicle.

So, the objects of car insurance can be 3 parties:

  1. A vehicle, truck or car, that has been damaged or stolen.
  2. The driver and passengers, or rather their life and health.
  3. The third person injured in the accident and his damaged property.

Compensation for such losses is very expensive. The presence of an insurance policy facilitates and speeds up this procedure, both materially and legally.

Did you know? It is estimated that the most dangerous time on the roads is-night from Friday to Saturday: accidents increase more than 5 times.

Types of car insurance

The main types of car insurance are compulsory - and voluntary -. subjects of insurance: OSAGO protects the interests of third parties injured in road accidents, their lives, health and property. CASCO takes care of the insured driver’s car, his life and health, as well as passengers. There is also compulsory insurance for those traveling abroad, and voluntary expansion of the capabilities of compulsory motor liability insurance. Let's look at the types of basic car insurance.

From theft and damage

CASCO (Comprehensive auto insurance, except liability) protects against various types of damage and theft. The meaning of the abbreviation coincided purely by chance with the Italian word Casco (“helmet”), from which the name of this insurance comes.


CASCO insures against all force majeure events in which the driver and his car may find themselves, except for those cases that are compensated by compulsory motor liability insurance.

The following situations may be specified in the insurance policy:

  • theft and theft;
  • Road accident caused by a third party or driver;
  • vandalism;
  • fire and explosion;
  • natural disasters (natural phenomena, animal attacks, objects falling on a car).

CASCO insurance can be full or partial. The full range of services includes compensation for all possible types of damage and theft. Partial insurance only covers damage (not theft). The cost of policies is not fixed and is not regulated by the state - each insurance company sets its own rates. The price of the policy may depend on the age and experience of the driver or the age and technical characteristics of his car, etc.

Important! The insurance company will not compensate for damage if during the investigation it turns out that the driver violated traffic rules or was driving while intoxicated.

Auto liability insurance

OSAGO - compulsory motor third party liability insurance. This is the most common type of insurance, since the conclusion of an insurance contract is a mandatory requirement for all car owners, provided for by the legislation of the country. Without an MTPL policy, a driver does not have the right to drive his car, undergo a technical inspection and register. Failure to comply with this requirement is punishable by a fine.

The subject of compulsory motor liability insurance is not the insured driver, but the damage that he caused to third parties during an accident (their health, life and property). But if the driver himself or his car was injured in an accident, he will not receive compensation. To do this, he needs to take out other types of insurance.

You can purchase an MTPL policy from any insurance company. Tariffs are the same everywhere, as they are set and regulated by the state.

The cost of insurance varies depending on the characteristics of the car and its owner, for example, the following:

  • make, model and age of the vehicle;
  • engine power;
  • age and driving experience of the owner;
  • region of residence;
  • previous insurance payments, etc.

The price of OSAGO is much lower than the cost of CASCO, but in the event of an accident, this payment may not be enough to cover the damage caused, and the driver will have to pay the rest on his own.

From mechanical and electrical breakdowns

Not all cars are involved in accidents or damage during natural disasters. However, absolutely all cars break down sooner or later. Car enthusiasts spend a lot of money every year on repairing their vehicles.

In America and Europe, for more than 25 years, motorists have been actively using extended warranties for various breakdowns of their cars. This service is provided by both manufacturers and insurance companies. In the CIS countries, this type of insurance appeared quite recently. But not all insurers enter into such insurance contracts.


An extended warranty is insurance of a vehicle against various types of breakdowns. It comes into force when the main guarantee has already expired. Companies provide different options for insurance contracts. They differ in the warranty extension period (up to 3–5 years) and the list of repair services provided free of charge by service centers.

The cost of the insurance policy is also affected by the characteristics of the car:

  • make and model;
  • year of issue.

Some insurance companies are even willing to insure used cars. But they must meet the following criteria:

  • age up to 7 years (sometimes up to 10 years);
  • mileage up to 160 thousand km (in some companies - up to 200 thousand km).

The extended warranty is not issued for public transport (for example, an ambulance) and sports cars (rally participants).

Important!The policy is issued not for the owner, but for his vehicle, so when the car is sold, the extended warranty is transferred to the new owner.

Insurance of drivers and passengers against accidents

Neither the mandatory “automobile insurance” nor the voluntary CASCO take into account cases of accidents in which the driver himself or his passengers were injured. To do this, you need to take out voluntary accident insurance for drivers and passengers. This type of insurance can be purchased in combination with those listed above: it will cover the costs of treatment of persons injured in an accident, protect the driver responsible for the accident from waste, and allow you to quickly resolve the conflict without trial.

The subject of insurance can be:

  • driver of the vehicle;
  • passengers;
  • driver and all passengers.


Insurance risks are considered:

  • temporary disability;
  • one of the insured persons becomes disabled or an existing injury worsens;
  • death of the driver or passenger.

There are two systems for concluding insurance contracts:

  • lump-sum, in which the total insured amount for the vehicle is indicated, from which the injured insured persons receive their share;
  • according to the seat principle, when a specific amount is determined for each seat.

Payment rules are set by insurance companies, so rates may vary.

Did you know? Statistics show that the calmest drivers are people over 35 years old. And young people (under 25 years old) often drive very carelessly and aggressively.

Types of MTPL insurance

Taking out an MTPL policy is a mandatory requirement for every car. But the circumstances in which vehicles are used are different, so there has been a need for insurance contracts with different terms and conditions to suit different vehicles.

All types of MTPL policies are divided into two groups according to the following criteria:

  • by the number of drivers driving one car;
  • according to the duration of the contract.


With or without restrictions

Based on the number of drivers who are allowed to drive one car, there are 2 types:

  1. Insurance with limitations. The contract specifies a limited number of drivers (their names and driver's license numbers are included) who are granted the right to drive this car. The maximum allowed is 5 people. If the driver is someone whose name is not indicated on the policy, you will have to pay a fine.
  2. The policy allows any driver with a license to drive a car without restrictions. In the event of an accident, his liability will be covered by insurance.

Limited insurance is cheaper and is suitable for a family car. But an unlimited policy, despite the high price, is a suitable option for companies where many employees use one car.

By timing

All drivers use their cars with varying degrees of activity. Some people drive all year round, while others drive only at certain times of the year (for example, summer residents drive only in spring and summer). Each of them can choose a tariff that suits the terms so as not to overpay. There are 3 policies to choose from, differing in terms: for a year, for six months and for 3 months.

Classification and payment limits

The amounts of cash compensation for CASCO and other voluntary insurance differ, as they are established by insurance companies. In contrast, the MTPL payment limit is determined by the Central Bank and is the same for all insurers.

There are two types of compensation for damage:

  • for property, most often a car damaged in an accident;
  • on the health of an injured third party or several persons.


The insurance company allocates 160 thousand rubles for the treatment of third parties. The maximum payment under one policy is 500 thousand rubles.

The coverage limit for property damage depends on the circumstances of the accident:

  • in the event of a collision between 2 cars, the injured party will receive 120 thousand rubles;
  • if 3 or more cars collide, compensation will be 160 thousand rubles. for all victims.

The maximum payment limit to cover damage under one policy does not exceed 400 thousand rubles. If the compensation does not cover all the damage, the insured driver will be forced to pay extra with his own money.

How to properly insure a car?

To receive insurance payment after an accident, you need to act immediately after the incident. First, you need to decide whether to call the traffic police.

Drivers can do without the help of traffic police officers if:

  • no people were hurt or killed;
  • no more than 2 cars were involved in the accident;
  • the damage caused does not exceed 100 thousand rubles;
  • Drivers can draw a diagram of an accident without outside help and fill out a European protocol form.

In other cases, you should immediately call the road patrol.


If you decide to act independently, you need to follow this procedure:

  • take detailed photographs of the accident scene from all sides;
  • After this, you can remove cars from the road;
  • fill out the European protocol form (notice), including the road accident diagram;
  • the injured person takes the completed notice to the insurance company of the at-fault driver.
Next, you just need to wait until the insurer reviews the submitted documents and decides on the amount of payment.

Important! You should contact the insurance company for compensation within 5 days after the accident occurred.

Judging by the reviews of experienced motorists, it is advisable to take out not only the mandatory “car insurance”, but, if possible, additional car insurance. This will help you feel calmer while driving and not worry too much about your car, as well as other possible damage.