Dear insurers!
From December 01, 2015, a new, simplified algorithm for citizens' appeals is being implemented if they disagree with the applied BSC value. Upon receipt of the relevant application of the insured, the insurance company is obliged to check the value of the CBM coefficient in the RSA AIS, and if the obtained CBM value does not match the applied by the insurer, the insurer applies the new CBM value, which will be taken into account both in the current contract and in those concluded later (provided there are no subsequently claimed losses).
In this regard, if you disagree with the value of the CBM coefficient applied by the insurer, we recommend that you contact directly insurance organization with which you have entered into or are about to enter into an agreement: Your request will be processed in as soon as possible with minimal effort on your part.
When concluding a compulsory insurance contract civil liability owners Vehicle(OSAGO) Insurance Company is obliged to use AIS information on previous periods of insurance to confirm the validity of the application bonus-malus ratio (BMF)- coefficient affecting the cost of the policy (increasing or decreasing depending on the accident rate in previous periods).
To date, 15 classes of driver insurance have been established, providing for the use of appropriate coefficients. *
* Clause 2 of Appendix 2 to Bank of Russia Ordinance No. 3384-U dated September 19, 2014 “On limit sizes base rates of insurance tariffs and coefficients of insurance tariffs, requirements for the structure of insurance tariffs, as well as the procedure for their application by insurers when determining the insurance premium for compulsory insurance civil liability of vehicle owners
| Class at the beginning of the annual insurance period | Coefficient | Class at the end of the annual term of insurance, taking into account the presence of insured events that occurred during the period of validity of previous compulsory insurance contracts | ||||
|
0 insurance payments |
1 insurance payment |
2 insurance payments |
3 insurance payments |
4 or more insurance payments |
||
| M | 2,45 | 0 | M | M | M | M |
| 0 | 2,3 | 1 | M | M | M | M |
| 1 | 1,55 | 2 | M | M | M | M |
| 2 | 1,4 | 3 | 1 | M | M | M |
| 3 | 1 | 4 | 1 | M | M | M |
| 4 | 0,95 | 5 | 2 | 1 | M | M |
| 5 | 0,9 | 6 | 3 | 1 | M | M |
| 6 | 0,85 | 7 | 4 | 2 | M | M |
| 7 | 0,8 | 8 | 4 | 2 | M | M |
| 8 | 0,75 | 9 | 5 | 2 | M | M |
| 9 | 0,7 | 10 | 5 | 2 | 1 | M |
| 10 | 0,65 | 11 | 6 | 3 | 1 | M |
| 11 | 0,6 | 12 | 6 | 3 | 1 | M |
| 12 | 0,55 | 13 | 6 | 3 | 1 | M |
| 13 | 0,5 | 13 | 7 | 3 | 1 | M |
The Bank of Russia issued Ordinance dated September 19, 2014 No. 3384-U “On the limits of basic rates of insurance rates and coefficients of insurance rates, requirements for the structure of insurance rates, as well as the procedure for their application by insurers when determining the insurance premium for compulsory insurance of civil liability of vehicle owners”(hereinafter referred to as the Instruction) registered by the Ministry of Justice Russian Federation September 30, 2014 No. 34187.
The instruction sets the minimum and maximum values of the base rate insurance rate(“tariff corridor”), coefficients of insurance tariffs, including the coefficient providing for the possibility of driving a vehicle with a trailer to it.
The document defines the requirements for the structure of insurance rates, as well as the procedure for their application by insurers when determining the insurance premium for OSAGO. The maximum increase in base rates will be 30% of the current levels, and the size of the "tariff corridor" is estimated at 5.2 percentage points downward from the maximum value.
Insurance organizations will determine the amount of the basic insurance rate within the "tariff corridor" independently for each category of vehicle, depending on the territory of its primary use. The document setting the size of the basic insurance rate must be posted on the insurer's website on the web. The Ordinance will come into effect from the date of declaring invalid the Decree of the Government of the Russian Federation dated 08.12.2005 No. 739 “On Approval of Insurance Tariffs for Compulsory Insurance of Civil Liability of Vehicle Owners, Their Structure and Procedure for Application by Insurers When Determining the Insurance Premium”.
In accordance with the law, from October 1, 2014, the maximum amount of insurance payment under OSAGO in terms of causing damage to the property of one victim is increased from 120 to 400 thousand rubles. The level of maximum allowable wear for components (parts, assemblies and assemblies) to be replaced when restoration repair, decreases from 80% to 50%.
CENTRAL BANK OF THE RUSSIAN FEDERATION
Ordinance dated September 19, 2014 No. 3384-U “On the limits of basic rates of insurance rates and coefficients of insurance rates, requirements for the structure of insurance rates, as well as the procedure for their application by insurers when determining the insurance premium for compulsory insurance of civil liability of vehicle owners”
1. This Instruction, based on Article 8 of the Federal Law of April 25, 2002 No. 40-FZ “On Compulsory Insurance of Civil Liability of Vehicle Owners” (Sobraniye Zakonodatelstva Rossiyskoy Federatsii, 2002, No. 18, Art. 1720; 2003, No. 26, Art. 2566; 2005, No. 1, item 25; No. 30, item 3114; 2006, No. 48, item 4942; 2007, No. 1, item 29; No. 49, item 6067; 2008, No. 30, item 3616; No. 52, item 6236; 2009, No. 1, item 17; No. 9, item 1045; No. 52, item 6420, item 6438; 2010, No. 6, item 565; No. 17, item 1988; 2011, No. 1, item 4; No. 7, item 901; No. 27, item 3881; No. 29, item 4291; No. 49, item 7040; 2012, No. 25, item 3268; No. 31, Article 4319, Article 4320; 2013, No. 19, Article 2331; No. 30, Article 4084; 2014, No. 30, Article 4224) (hereinafter - the federal law"On Compulsory Insurance of Civil Liability of Vehicle Owners") establishes the limits on the basic rates of insurance tariffs (their minimum and maximum values expressed in rubles) (Appendix 1 to this Instruction), coefficients of insurance rates (Appendix 2 to this Instruction), requirements for the structure of insurance rates (Appendix 3 to this Direction), as well as the procedure for their application by insurers when determining the insurance premium under a contract of compulsory civil liability insurance of vehicle owners (hereinafter referred to as compulsory insurance) (Appendix 4 to this Directive).
2. This Instruction is subject to official publication in the Bulletin of the Bank of Russia and, in accordance with the decision of the Board of Directors of the Bank of Russia (minutes of the meeting of the Board of Directors of the Bank of Russia dated September 16, 2014 No. recognizing invalid the Decree of the Government of the Russian Federation dated December 8, 2005 No. 739 “On approval of insurance rates for compulsory insurance of civil liability of vehicle owners, their structure and procedure for applying by insurers when determining the insurance premium” (Collected Legislation of the Russian Federation, 2005, No. 51, 5527; 2007, No. 26, article 3194; 2008, No. 9, article 863; 2009, No. 11, article 1320; 2011, No. 29, article 4495; 2012, No. 50, article 7055).
The coefficients of insurance rates indicated in lines 12 - 12.2 and 80 of the table of paragraph 1 of Appendix 2 to this Direction shall apply from January 1, 2015.
Chairman of the Central Bank
Russian Federation E.S. Nabiullina
Appendix 1 to Bank of Russia Ordinance No. 3384-U dated September 19, 2014 “On the limits on the basic rates of insurance rates and coefficients of insurance rates, requirements for the structure of insurance rates, as well as the procedure for their application by insurers when determining the insurance premium for compulsory insurance of civil liability of vehicle owners
Limits of base rates of insurance tariffs (their minimum and maximum values expressed in rubles) (hereinafter - TB)
|
Basic insurance rate (rubles) |
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Minimum TB value |
Maximum TB value |
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Motorcycles, mopeds and light quadricycles (vehicles of category "A", "M") |
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Vehicles of category "B", "BE" |
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legal entities |
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individuals, |
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used as a taxi |
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Vehicles of categories "C" and "CE" |
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with a permitted maximum weight of 16 tons or less |
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with a maximum authorized mass of more than 16 tons |
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Vehicles of categories "D" and "DE" |
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with the number of passenger seats up to 16 inclusive |
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with more than 16 passenger seats |
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used on regular transportation with boarding and disembarking of passengers both at established stopping points along the route of regular transportation, and in any place not prohibited by traffic rules along the route of regular transportation |
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Trolleybuses (vehicles of category "Tb") |
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Trams (vehicles of category "Tm") |
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Tractors, self-propelled road-building and other machines, with the exception of vehicles without wheel propellers |
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Note. The category of the vehicle is determined according to the information specified in the vehicle passport or in the vehicle registration certificate, taking into account the information specified by the insured in the insurance application on the use of the vehicle with or without a trailer. If there are discrepancies between the category and type of vehicle in the document on the basis of which information about the vehicle is determined, the data on the category of the vehicle should be followed when determining the basic insurance rate.
Cars with a passport of a self-propelled car and passing state registration in the bodies of state supervision of technical condition self-propelled vehicles and other types of equipment in the Russian Federation.
Appendix 2 to Bank of Russia Ordinance No. 3384-U dated September 19, 2014 “On the limits on the basic rates of insurance rates and coefficients of insurance rates, requirements for the structure of insurance rates, as well as the procedure for their application by insurers when determining the insurance premium for compulsory insurance of civil liability of vehicle owners
Coefficients of insurance rates
1. Coefficient of insurance tariffs depending on the territory of primary use of the vehicle (hereinafter referred to as the coefficient CT).
|
Territory of primary use of the vehicle |
Coefficient for vehicles, except for tractors, self-propelled road-building and other machines |
Coefficient for tractors, self-propelled road-building and other machines, with the exception of vehicles without wheel propellers |
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Republic of Adygea |
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Altai Republic |
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Gorno-Altaysk |
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Republic of Bashkortostan |
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Blagoveshchensk, Oktyabrsky |
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Ishimbay, Kumertau, Salavat |
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Sterlitamak, Tuimazy |
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Other cities and towns |
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The Republic of Buryatia |
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Other cities and towns |
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The Republic of Dagestan |
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Buynaksk, Derbent, Kaspiysk, Makhachkala, Khasavyurt |
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Other cities and towns |
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The Republic of Ingushetia |
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Malgobek |
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Other cities and towns |
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Kabardino-Balkarian Republic |
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Nalchik, Cool |
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Other cities and towns |
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Republic of Kalmykia |
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Other cities and towns |
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Karachay-Cherkess Republic |
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Republic of Karelia |
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Petrozavodsk |
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Other cities and towns |
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Komi Republic |
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Syktyvkar |
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Other cities and towns |
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Republic of Crimea |
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Simferopol |
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Other cities and towns |
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Mari El Republic |
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Yoshkar-Ola |
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Other cities and towns |
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The Republic of Mordovia |
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Ruzaevka |
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Other cities and towns |
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The Republic of Sakha (Yakutia) |
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Neryungri |
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Other cities and towns |
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Republic of North Ossetia-Alania |
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Vladikavkaz |
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Other cities and towns |
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Republic of Tatarstan |
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Almetyevsk, Zelenodolsk, Nizhnekamsk |
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Bugulma, Leninogorsk, Chistopol |
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Naberezhnye Chelny |
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Other cities and towns |
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Tyva Republic |
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Other cities and towns |
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Udmurt republic |
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Votkinsk |
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Glazov, Sarapul |
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Other cities and towns |
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The Republic of Khakassia |
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Abakan, Sayanogorsk, Chernogorsk |
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Other cities and towns |
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Chuvash Republic |
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Novocheboksarsk |
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Cheboksary |
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Other cities and towns |
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Altai region |
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Zarinsk, Novoaltaisk, Rubtsovsk |
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Other cities and towns |
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Krasnokamensk |
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Other cities and towns |
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Kamchatka Krai |
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Petropavlovsk-Kamchatsky |
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Other cities and towns |
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Krasnodar region |
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Anapa, Gelendzhik |
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Armavir, Sochi, Tuapse |
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Belorechensk, Yeysk, Kropotkin, Krymsk, Kurganinsk, Labinsk, Slavyansk-on-Kuban, Timashevsk, Tikhoretsk |
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Krasnodar, Novorossiysk |
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Other cities and towns |
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Achinsk, Zelenogorsk |
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Zheleznogorsk, Norilsk |
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Kansk, Lesosibirsk, Minusinsk, Nazarovo |
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Krasnoyarsk |
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Other cities and towns |
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Perm region |
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Berezniki, Krasnokamsk |
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Lysva, Tchaikovsky |
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Solikamsk |
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Other cities and towns |
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Primorsky Krai |
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Arseniev, Artem, Nakhodka, Spassk-Dalniy, Ussuriysk |
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Vladivostok |
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Other cities and towns |
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Budennovsk, Georgievsk, Essentuki, Mineralnye Vody, Nevinnomyssk, Pyatigorsk |
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Kislovodsk, Mikhailovsk, Stavropol |
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Other cities and towns |
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Komsomolsk-on-Amur |
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Khabarovsk |
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Other cities and towns |
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Amur region |
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Belogorsk, Svobodny |
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Blagoveshchensk |
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Other cities and towns |
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Arhangelsk region |
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Arkhangelsk |
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Severodvinsk |
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Other cities and towns |
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Astrakhan region |
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Astrakhan |
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Other cities and towns |
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Belgorod region |
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Belgorod |
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Gubkin, Stary Oskol |
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Other cities and towns |
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Bryansk region |
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Other cities and towns |
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Vladimir region |
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Vladimir |
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Gus-Khrustalny |
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Other cities and towns |
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Volgograd region |
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Volgograd |
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Volzhsky |
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Kamyshin, Mikhailovka |
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Other cities and towns |
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Vologda Region |
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Cherepovets |
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Other cities and towns |
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Voronezh region |
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Borisoglebsk, Liski, Rossosh |
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Other cities and towns |
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Ivanovo region |
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Other cities and towns |
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Irkutsk region |
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Bratsk, Tulun, Ust-Ilimsk, Ust-Kut, Cheremkhovo |
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Usolie-Sibirskoe |
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Other cities and towns |
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Kaliningrad region |
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Kaliningrad |
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Other cities and towns |
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Kaluga region |
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Other cities and towns |
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Kemerovo region |
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Anzhero-Sudzhensk, Kiselevsk, Yurga |
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Belovo, Berezovsky, Mezhdurechensk, Osinniki, Prokopyevsk |
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Kemerovo |
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Novokuznetsk |
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Other cities and towns |
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Kirov region |
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Kirovo-Chepetsk |
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Other cities and towns |
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Kostroma region |
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Kostroma |
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Other cities and towns |
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Shadrinsk |
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Other cities and towns |
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Zheleznogorsk |
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Other cities and towns |
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Lipetsk region |
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Other cities and towns |
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Magadan Region |
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Other cities and towns |
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Moscow region |
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Murmansk region |
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Apatity, Monchegorsk |
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Murmansk |
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Severomorsk |
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Other cities and towns |
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Arzamas, Vyksa, Sarov |
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Balakhna, Bor, Dzerzhinsk |
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Other cities and towns |
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Borovichi |
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Velikiy Novgorod |
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Other cities and towns |
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Novosibirsk region |
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Kuibyshev |
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Novosibirsk |
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Other cities and towns |
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Omsk region |
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Other cities and towns |
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Orenburg region |
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Buguruslan, Buzuluk, Novotroitsk |
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Orenburg |
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Other cities and towns |
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Oryol Region |
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Livny, Mtsensk |
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Other cities and towns |
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Penza region |
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Zarechny |
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Other cities and towns |
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Pskov region |
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Velikiye Luki |
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Other cities and towns |
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Rostov region |
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Volgodonsk, Gukovo, Kamensk-Shakhtinsky, Novocherkassk, Novoshakhtinsk, Salsk, Taganrog |
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Rostov-on-Don |
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Other cities and towns |
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Ryazan Oblast |
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Other cities and towns |
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Samara Region |
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Novokuibyshevsk, Syzran |
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Tolyatti |
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Chapaevsk |
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Other cities and towns |
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Balakovo, Balashov, Volsk |
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Other cities and towns |
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Yuzhno-Sakhalinsk |
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Other cities and towns |
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Asbest, Revda |
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Berezovsky, Verkhnyaya Pyshma, Novouralsk, Pervouralsk |
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Upper Salda, Polevskoy |
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Ekaterinburg |
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Other cities and towns |
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Smolensk region |
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Vyazma, Roslavl, Safonovo, Yartsevo |
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Smolensk |
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Other cities and towns |
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Tambov Region |
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Michurinsk |
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Other cities and towns |
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Tver region |
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Vyshny Volochek, Kimry, Rzhev |
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Other cities and towns |
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Tomsk region |
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Other cities and towns |
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Tula region |
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Aleksin, Efremov, Novomoskovsk |
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Uzlovaya, Shchekino |
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Other cities and towns |
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Tyumen region |
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Tobolsk |
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Other cities and towns |
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Ulyanovsk region |
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Dimitrovgrad |
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Ulyanovsk |
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Other cities and towns |
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Chelyabinsk region |
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Zlatoust, Miass |
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Magnitogorsk |
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Satka, Chebarkul |
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Chelyabinsk |
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Other cities and towns |
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Yaroslavl region |
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Yaroslavl |
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Other cities and towns |
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Saint Petersburg |
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Sevastopol |
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Jewish Autonomous region |
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Birobidzhan |
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Other cities and towns |
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Nenets autonomous region |
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Khanty-Mansi Autonomous Okrug - Yugra |
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Nefteyugansk, Nyagan |
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Nizhnevartovsk |
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Khanty-Mansiysk |
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Other cities and towns |
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Chukotka Autonomous Okrug |
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Yamalo-Nenets Autonomous Okrug |
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New Urengoy |
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Noyabrsk |
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Other cities and towns |
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Baikonur |
Notes:
1. For settlements, subordinate to the administration of the city (administration of the district of the city), the coefficient CT is applied, established for the city (district), whose administration they are subordinate to.
2. The territory of primary use of the vehicle is determined for individuals based on the place of residence of the owner of the vehicle indicated in the vehicle passport or vehicle registration certificate or in the citizen's passport, for legal entities, their branches or representative offices - at the location of the legal entity, its branch or representative office, specified in the constituent document of the legal entity (subparagraph "a" of paragraph 2 of Article 9 of the Federal Law "On Compulsory Insurance of Civil Liability of Vehicle Owners").
2. Coefficient of insurance rates depending on the presence or absence of insurance indemnities upon the occurrence of insured events that occurred during the period of validity of previous compulsory insurance contracts (hereinafter referred to as the CBM coefficient).
|
annual insurance |
Class at the end of the annual term of insurance, taking into account the presence of insured events that occurred during the period of validity of previous compulsory insurance contracts |
||||||
|
insurance refunds |
insurance reimbursement |
insurance compensation |
insurance compensation |
More than 3 insurance claims |
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Notes:
1. The coefficient is applied when concluding or changing a compulsory insurance contract with a validity period of one year.
2. To determine the KBM coefficient, insurance indemnities made by the insurer one by one insured event considered as one insurance indemnity.
3. Information about previous treaties compulsory insurance (including early terminated) required to determine the class of the owner of the vehicle (driver) can be obtained from the automated information system compulsory insurance established in accordance with Article 30 of the Federal Law "On Compulsory Insurance of Civil Liability of Vehicle Owners", unless otherwise established by Bank of Russia Regulation No. 431-P dated September 19, 2014 "On the Rules for Compulsory Insurance of Civil Liability of Vehicle Owners", registered by the Ministry of Justice of the Russian Federation in 2014 (hereinafter referred to as information).
4. Under a compulsory insurance contract that does not provide for limiting the number of persons allowed to drive a vehicle, the class is determined on the basis of information regarding the owner of the vehicle in relation to the vehicle specified in the compulsory insurance contract, as well as the class that was determined at the conclusion of the latter compulsory insurance contracts. The class is assigned to the owner of the vehicle specified in the compulsory insurance contract. In the absence of information (previously concluded and expired (terminated) contracts) in relation to the owner of the vehicle in relation to the vehicle specified in the compulsory insurance contract, the owner of this vehicle is assigned class 3.
5. Under a compulsory insurance contract that provides for limiting the number of persons allowed to drive a vehicle, and driving this vehicle only by drivers specified by the insured, the class is determined based on information in relation to each driver. A class is assigned to each driver who is allowed to drive a vehicle. In the absence of information, the specified drivers are assigned class 3. If the previous compulsory insurance contract was concluded on terms that did not provide for limiting the number of persons allowed to drive the vehicle, then the information provided is taken into account only if the driver was the owner of the vehicle.
6. When submitting information regarding a driver under several compulsory insurance contracts, the class is determined based on the summation of the number of insurance indemnities contained in the information on previous compulsory insurance contracts that ended no more than one year before the date of conclusion of the compulsory insurance contract, as well as the class that was determined at the conclusion of the last expired compulsory insurance contract.
7. For compulsory insurance contracts that provide for limiting the number of persons allowed to drive a vehicle, the insurance rate is calculated using the maximum value of the CBM coefficient determined in relation to each driver allowed to drive a vehicle.
8. If information is provided under a compulsory insurance contract that was terminated ahead of schedule, then information on insurance indemnities made during the term of the early terminated compulsory insurance contract is taken into account when concluding a compulsory insurance contract for new term.
9. In the absence of insurance indemnities during the term of the early terminated contract, when concluding a compulsory insurance contract for a new term, the class that was assigned to the owner (if the compulsory insurance contract does not provide for limiting the number of persons admitted to driving a vehicle) or the driver (if the compulsory insurance contract provides for the restriction of persons admitted to driving a vehicle) when concluding an early terminated compulsory insurance contract.
10. To determine the class, information on compulsory insurance contracts that ceased to be valid no more than one year before the date of commencement of the insurance period under the compulsory insurance contract is taken into account.
3. Coefficient of insurance rates, depending on the availability of information on the number of persons admitted to driving a vehicle (hereinafter referred to as the coefficient KO).
4. Coefficient of insurance rates depending on the age and length of service of the driver admitted to driving a vehicle (hereinafter referred to as the coefficient of FAC).
Notes:
1. If in insurance policy more than one person admitted to driving a vehicle is indicated, the insurance premium is calculated maximum ratio PIC, determined in relation to persons admitted to driving a vehicle.
2. When determining driving experience, data is used driving license on the date of obtaining the right to drive a vehicle of the corresponding category.
3. If the compulsory insurance contract does not provide for a limitation on the number of persons admitted to driving a vehicle (coefficient KO - 1.8), then the coefficient KVS - 1 is accepted.
5. Coefficient of insurance rates depending on specifications vehicle, in particular the engine power of a passenger car (vehicles of category "B", "BE") (hereinafter referred to as the KM coefficient).
Note. When determining the engine power of a vehicle, the data of the vehicle passport or vehicle registration certificate are used. If these documents do not contain data on the engine power of the vehicle, the relevant information from the catalogs of manufacturers and other official sources is used. If the engine power is indicated in the vehicle passport only in kilowatts, then when converted to horsepower the ratio 1 kW = 1.35962 hp is used.
6. Coefficient of insurance rates, depending on the presence in the contract of compulsory insurance of a condition providing for the possibility of driving a vehicle with a trailer to it (hereinafter referred to as the KPR coefficient).
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Trailer depending on the type and purpose of the vehicle |
Coefficient |
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Trailers for cars owned legal entities for motorcycles and scooters |
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Trailers for trucks with a maximum authorized mass of 16 tons or less, semi-trailers, trailers-dissolutions |
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Trailers for trucks with a maximum authorized mass of more than 16 tons, semi-trailers, trailers-dissolutions |
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Trailers for tractors, self-propelled road-building and other machines, with the exception of vehicles that do not have wheel propellers |
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7. Coefficient of insurance rates depending on the period of use of the vehicle (hereinafter referred to as the coefficient KS).
8. Coefficient of insurance tariffs depending on the term of insurance (hereinafter referred to as the CI coefficient).
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The period of insurance in the implementation of compulsory insurance of civil liability of owners of vehicles registered in foreign countries and temporarily used on the territory of the Russian Federation |
Coefficient |
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5 to 15 days |
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From 16 days to 1 month |
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5 months |
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6 months |
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7 months |
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8 months |
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9 months |
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10 months or more |
Note. The term of insurance in the implementation of compulsory civil liability insurance of vehicle owners following to the place of registration of the vehicle, as well as to the place of the technical inspection of the vehicle and the repeated technical inspection of the vehicle, is up to 20 days inclusive, and in this case the coefficient KP - 0 is applied ,2.
9. If there are violations provided for in paragraph 3 of Article 9 of the Federal Law "On Compulsory Insurance of Civil Liability of Vehicle Owners", the KN coefficient - 1.5 is applied.
Appendix 3 to Bank of Russia Ordinance No. 3384-U dated September 19, 2014 “On the Limits of Base Rates of Insurance Tariffs and Coefficients of Insurance Tariffs, Requirements for the Structure of Insurance Tariffs, and the Procedure for Their Application by Insurers When Determining the Insurance Premium for Compulsory Civil Insurance liability of vehicle owners
Requirements for the structure of insurance rates
Appendix 4 to Bank of Russia Ordinance No. 3384-U dated September 19, 2014 “On the Limits of Base Rates of Insurance Tariffs and Coefficients of Insurance Tariffs, Requirements for the Structure of Insurance Tariffs, and the Procedure for Their Application by Insurers When Determining the Insurance Premium for Compulsory Civil Insurance liability of vehicle owners
The procedure for applying insurance rates by insurers when determining the insurance premium under a compulsory insurance contract
1. The amount of the basic insurance rate is determined by the insurer independently for each category of vehicle, depending on the territory of the primary use of the vehicle, within the values established by Appendix 1 to this Direction.
In accordance with paragraph 3 of Article 5 of the Federal Law "On Compulsory Insurance of Civil Liability of Vehicle Owners", a change in the amount of the basic insurance tariff does not entail a change in the insurance premium paid by the insured at the basic insurance tariff in force at the time of payment, under the compulsory insurance contract within its validity period.
An insurance organization is obliged to notify the Bank of Russia in writing of the approved base insurance rate within three working days from the date of approval.
The document establishing the size of the basic insurance rate shall enter into force from the date of its approval and shall be posted on the official website of the insurer in the information and telecommunications network "Internet" within three working days from the date of approval.
2. Determination of the amount of the insurance premium payable under the compulsory insurance contract (hereinafter referred to as T).
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Formula applicable to vehicles owned by individuals and sole proprietors |
Formula applicable to vehicles owned by legal entities |
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In case of compulsory insurance of civil liability of owners of vehicles registered in the Russian Federation (with the exception of cases of going to the place of registration of the vehicle, as well as to the place of technical inspection, re-technical inspection |
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T \u003d TB x KT x KBM x KVS x KO x KM x KS x KN |
T \u003d TB x CT x KBM x KO x KM x KS x KN x KPR, where KO \u003d 1.8 |
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T \u003d TB x KT x KBM x KVS x KO x KS x KN x KPR |
T \u003d TB x CT x KBM x KO x KS x KN x KPR, where KO \u003d 1.8 |
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In case of compulsory insurance of civil liability of owners of vehicles registered in the Russian Federation (in case of going to the place of registration of the vehicle, as well as to the place of technical inspection of the vehicle, repeated technical inspection of the vehicle) |
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Vehicles of category "B", "BE" (including taxis) |
T \u003d TB x KVS x KO x KM x KP |
T \u003d TB x KO x KM x KP x KPr, where KO \u003d 1.8 |
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Vehicles of categories "A", "M", "C", "CE", "D", "DE", "Tb", "Tm", tractors, self-propelled road-building and other machines, with the exception of vehicles that do not have wheel propellers |
T \u003d TB x KVS x KO x KP x KPr |
T \u003d TB x KO x KP x KPr, where KO \u003d 1.8 |
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In case of compulsory insurance of civil liability of owners of vehicles registered in foreign countries and temporarily used on the territory of the Russian Federation (coefficients are determined in accordance with paragraph 3 of this Appendix) |
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Vehicles of category "B", "BE" (including taxis) |
T \u003d TB x KT x KBM x KVS x KO x KM x KP x KN |
T \u003d TB x CT x KBM x KO x KM x KP x KN x KPR |
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Vehicles of categories "A", "M", "C", "CE", "D", "DE", "Tb", "Tm", tractors, self-propelled road-building and other machines, with the exception of vehicles that do not have wheel propellers |
T \u003d TB x KT x KBM x KVS x KO x KP x KN x KPR |
T \u003d TB x KT x KBM x KO x KP x KN x KPR |
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3. In case of compulsory liability insurance of owners of vehicles registered in foreign countries and temporarily used on the territory of the Russian Federation, the following coefficients are applied to calculate the insurance premium:
- CT - 1.7;
- KBM - 1;
- KVS - 1.7 - for vehicles owned by right of ownership or otherwise individuals, 1 - for vehicles owned or otherwise owned by legal entities;
- KO - 1 - for vehicles owned or otherwise owned by individuals, 1.8 - for vehicles owned or otherwise owned by legal entities.
The KM coefficient is determined in accordance with clause 5 of Appendix 2 to this Instruction.
The KP coefficient is determined in accordance with paragraph 8 of Appendix 2 to this Directive (it is also used for compulsory insurance for the period of travel to the place of registration of the vehicle, as well as to the place of the technical inspection of the vehicle and the repeated technical inspection of the vehicle).
The KPR coefficient is determined in accordance with paragraph 6 of Appendix 2 to this Instruction.
4. The KN coefficient is applied by insurers when concluding a compulsory insurance contract for the year following the period in which the insurer became aware of the commission of actions (inaction) provided for in paragraph 3 of Article 9 of the Federal Law "On Compulsory Insurance of Civil Liability of Vehicle Owners" if the vehicle specified in the insurance policy from the owner specified in the insurance policy.
5. The maximum amount of the insurance premium under the compulsory insurance contract cannot exceed 3 times the amount of the basic insurance rate, adjusted depending on the territory of the predominant use of the vehicle, and when applying the KN coefficient provided for in clause 9 of Appendix 2 to this Direction, its 5- multiple size.
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Bank of Russia Ordinance No. 3384-U, dated September 19, 2014, "On the Limits of Base Rates of Insurance Tariffs and Coefficients of Insurance Tariffs, Requirements for the Structure of Insurance Tariffs, and the Procedure for Their Application by Insurers When Determining the Insurance Premium for Compulsory Civil Liability Insurance of Vehicle Owners (with changes and additions)
- Appendix 1. Limits of the basic rates of insurance tariffs (their minimum and maximum values, expressed in rubles)
Annex 2. Coefficients of insurance rates
Annex 3. Requirements for the structure of insurance rates
Appendix 4. The procedure for applying insurance rates by insurers when determining the insurance premium under a compulsory insurance contract
Instruction of the Bank of Russia dated September 19, 2014 N 3384-U
"On the maximum size of the basic rates of insurance tariffs and coefficients of insurance tariffs, requirements for the structure of insurance tariffs, as well as the procedure for their application by insurers when determining the insurance premium for compulsory insurance of civil liability of vehicle owners"
With changes and additions from:
1. This Instruction is based on article 8 Federal Law of April 25, 2002 N 40-FZ "On Compulsory Insurance of Civil Liability of Vehicle Owners" (Sobranie Zakonodatelstva Rossiyskoy Federatsii, 2002, N 18, Art. 1720; 2003, N 26, Art. 2566; 2005, N 1, 25; N 30, item 3114; 2006, N 48, item 4942; 2007, N 1, item 29; N 49, item 6067; 2008, N 30, item 3616; N 52, item 6236; 2009, N 1, item 17; N 9, item 1045; N 52, item 6420, item 6438; 2010, N 6, item 565; N 17, item 1988; 2011, N 1, 4; N 7, item 901; N 27, item 3881; N 29, item 4291; N 49, item 7040; 2012, N 25, item 3268; N 31, item 4319, item 4320; 2013, N 19, item 2331; N 30, item 4084; 2014, N 30, item 4224) (hereinafter referred to as the Federal Law "On Compulsory Civil Liability Insurance of Vehicle Owners") sets limits on the basic rates of insurance rates (their minimum and maximum values, expressed in rubles) ( Annex 1 to this Instruction), coefficients of insurance rates ( application 2 to this Instruction), requirements for the structure of insurance rates ( appendix 3 to this Directive), as well as the procedure for their application by insurers when determining the insurance premium under a contract of compulsory insurance of civil liability of vehicle owners (hereinafter referred to as compulsory insurance) ( annex 4 to this Directive).
2. This Instruction is subject to official publication in the Bulletin of the Bank of Russia and in accordance with the decision of the Board of Directors of the Bank of Russia (minutes of the meeting of the Board of Directors of the Bank of Russia dated September 16, 2014 No. 27) shall enter into force from the date of entry into force decrees decrees Government of the Russian Federation dated December 8, 2005 N 739 "On approval of insurance rates for compulsory insurance of civil liability of vehicle owners, their structure and procedure for application by insurers when determining the insurance premium" (Sobranie Zakonodatelstva Rossiyskoy Federatsii, 2005, N 51, art. 5527; 2007, N 26, item 3194; 2008, N 9, item 863; 2009, N 11, item 1320; 2011, N 29, item 4495; 2012, N 50, item 7055).
lines 12 - 12.2 and the tables of paragraph 1 of Appendix 2 to this Directive shall apply from January 1, 2015.
New insurance rates for OSAGO have been established. They were developed in connection with an increase in the limit of payments in case of an accident.
In order to create competition between insurance companies, minimum and maximum dimensions base rates. On average, basic tariffs increased by 23-30%. Thus, the basic tariff for citizens driving vehicles of category "B" will vary from 2,440 to 2,574 rubles. (previous tariff - 1,980 rubles).
The size of the coefficients of insurance rates (depending on the territory and period of use, the availability of insurance payments, the number of persons admitted to driving, the age and experience of the driver, engine power, insurance period) have not changed. From January 1, 2015, the "territorial" coefficients established for the Republic of Crimea and Sevastopol are applied.
At the same time, a new coefficient has been introduced depending on the presence in the OSAGO agreement of a condition on the possibility of driving a vehicle with a trailer to it.
Insurance companies must notify the Bank of Russia in writing of the approved base insurance rate and post the established rates on their websites within 3 working days after their approval.
Changing the basic insurance rate during the period of validity of the OSAGO agreement does not entail the obligation of the car owner to pay an additional insurance premium.
New tariffs are put into effect from the moment the old ones are declared invalid.
Bank of Russia Ordinance No. 3384-U, dated September 19, 2014, "On the Limits of Base Rates of Insurance Tariffs and Coefficients of Insurance Tariffs, Requirements for the Structure of Insurance Tariffs, and the Procedure for Their Application by Insurers When Determining the Insurance Premium for Compulsory Civil Liability Insurance of Vehicle Owners "
This Instruction comes into force from the date of entry into force decrees of the Government of the Russian Federation on declaring invalid decrees Government of the Russian Federation dated December 8, 2005 N 739 "On approval of insurance rates for compulsory insurance of civil liability of vehicle owners, their structure and procedure for application by insurers when determining the insurance premium"
Coefficients of insurance rates specified in lines 12 - 12.2 and tables of paragraph 1 of Appendix 2 to this Instruction, apply from January 1, 2015