MTPL insurance from July 1 of the year. New MTPL policy

From July 1, new pink MTPL policies will be put into circulation in Russia, which, according to the Bank of Russia, are better protected from counterfeiting. The form of the medical certificate that drivers provide to the traffic police when replacing their license is also changing. Finally, the state is beginning the transition from paper vehicle passports to electronic ones.

New MTPL policies There is no need to change an old but still valid MTPL policy, although if you wish, this can be done free of charge by contacting your insurance company. If the policyholder makes changes to the current insurance contract, for example adding a new driver to the insurance, then the insurance company will issue a new policy. Or maybe even the old one - insurers do not rule out a shortage of new forms among agents and in remote sales offices, so they warn right away: until September 30, 2016, policies on both new and old forms will be on sale at the same time.

From October 1, only policies on new forms will be issued to drivers; old ones will remain legitimate until their expiration date. The main visual difference of the new OSAGO policy is its color. Insurance will now be pink instead of green. In addition, a QR code will appear on the form, with which you can check the validity of the policy based on the Russian Union of Auto Insurers (RUA). Also on the new form there is a column with information about the bonus-malus discount. Insureds will not have to thoroughly study a new policy when taking out under the fear of receiving a counterfeit - insurers assure that fraudsters will learn to make counterfeits only in a couple of years. “The country is flooded with fake policies produced in China, Poland, in the former Soviet republics on the remnants of Goznak equipment; they cannot be distinguished from the real ones,” explained the need to switch to new forms, RSA President Igor Yurgens. The lost profit was estimated by the union at 5 billion rubles. in year. In addition, from July 1, legislation will come into force that allows insurance companies to sell electronic compulsory motor liability insurance policies to legal entities. Individuals were given the opportunity to enter into MTPL contracts via the Internet in July last year. However, today only 14 companies offer clients such a service. New medical certificates According to the order of the Ministry of Health, from July 1, 2016, a new form of medical certificate is being introduced, which must be provided to the traffic police by candidate drivers, as well as upon expiration of the license and the return of the certificate after the expiration of the period of deprivation. The new certificate form is brought into line with the recently introduced additional driving categories, for example M (mopeds) or BE (passenger cars with a trailer). If previously certificates were printed on plain white paper, now they will be secure printed products with a colored background.

Unlike the previous sample, the new certificates do not require photographs. In addition, the line “Validity period” disappeared from the document - it is stated in the order of the Ministry of Health and is one year. Car owners will be relieved of paper PTS From July 1, a transition period begins to replace paper vehicle passports with electronic ones. At the same time, PTS will be converted to electronic form not only in Russia, but also in all countries of the Eurasian Economic Union (EAEU). As planned, as a result, a number of processes related to the movement of vehicles, taxation, customs clearance, permission to operate and purchase and sale will become more transparent. Nothing will be issued to car owners - only statements are provided that vehicle owners, those who want to check the car before purchasing, and government agencies can receive via the Internet. In addition to the information that is entered into the PTS now, other data may later begin to be entered into electronic passports: on the presence of compulsory motor liability insurance and comprehensive insurance, mileage, road accidents, maintenance and inspection, etc.

They will not be forced to change their paper policy to an electronic one - vehicle owners will be able to do this if they wish. Citizens will be able to apply for an electronic PTS both to the traffic police and to authorized bodies, which, however, have not yet been identified. The replacement itself does not require any financial costs from citizens. At the same time, officials assure that procedures for making changes to an electronic passport will cost citizens less. At the same time, the cost of restoring the title in case of loss is completely eliminated - now about 800 thousand car owners apply to the traffic police annually for this reason, and the fee for replacing a passport is 800 rubles. “For us, this simplifies a lot of things: for example, there is no need to issue a vehicle passport. And this is a document that is produced for budget money and has a high degree of protection,” Chief State Traffic Inspector of Russia Viktor Nilov explained to reporters. — The car owner will not have to keep a huge sheet at home with data about his car. You can easily attach other information related to maintenance, repair, and replacement to the history of the purchase and sale of the car in the future. Anything. In fact, it may turn out to be a Russian analogue of the Carfax system. To some extent, the history of the car in all its manifestations is not very necessary, but in theory it is not a burdensome function. And most importantly, the car owner does not have to pay extra for it. And in case of sale, the buyer can familiarize himself with it.”

“It is obvious that an electronic title can be an additional advantage when selling a used car, provided that it reflects complete information about the history of ownership and operation of the car,” said Sergei Solonchenko, director of the development department at ROLF. — Such critically important information is, first of all, recording mileage during the transfer of ownership, insurance, service, and so on. Also important is information about the purchase of the car - on credit or for cash, the history of insurance claims and repairs. Without this information, the value of an electronic PTS when buying and selling a used car is low. So far there is no talk of entering this data into the electronic PTS. This means that the market will have to look for other solutions.” Now automakers, tax authorities and the traffic police will test the system via the Internet. From January 1, 2017, paper PTS will begin to be gradually withdrawn from circulation, and from July 1 next year, paper passports will no longer be issued at all. If desired, car owners will be able to replace a paper document with an electronic one approximately at the beginning of next year.

In Russia, the modernization of the car insurance system continues. Experts talk about the new rules for compulsory motor liability insurance and the new form of the form.

Car insurers warn: from July 1, 2018, the next stage of modernization of compulsory motor liability insurance begins, which will primarily affect motor vehicle tariffs.

Changes in calculating the cost of compulsory motor liability insurance policies

The price of insurance depends on the category of driver by age and driving experience: now there are 50 of them instead of five, as before. New items have also been added to the description of the insured car, namely: age, model and environmental characteristics. The base tariff will eventually increase or decrease within 20%: the upper rate will increase from 4118 rubles. to 4942 rubles, and the lower one, on the contrary, will decrease from 3432 rubles. up to 2746 rub. Thus, for some, insurance will be cheaper, while others will have to fork out more.

Cost of MTPL policy in case of traffic violation

CBM will be calculated for the calendar year, and it does not matter when the car insurance was issued. According to the current rules, the CBM changed upon the expiration of the MTPL agreement: if during this time there were no traffic violations, it was reduced. Although this innovation is not being introduced yet, the KBM will be calculated according to the new rules, presumably starting next year.

Increase in payments under the European protocol

Payments for registering an accident without calling traffic police inspectors have been increased to 100 thousand rubles from June 1, 2018. However, you can only count on insurance compensation in this amount if drivers have a special mobile application or at least one of the cars has a GLONASS device. Otherwise, if drivers have disagreements about who is at fault for the accident, they will need to call road inspectors.

New form of OSAGO policy form

Since January 1, 2018, a new form of the MTPL policy form has been used. It should now contain a QR code: it is located in the upper right corner. The new form, according to the developers, will reduce the number of counterfeit forms and also reduce the time it takes to register an accident. Using a QR code, car owners will be able to check the authenticity of the insurance right at the scene of the accident: by entering the code in the mobile application, they will receive all the information about the policy and the insurance company that issued it, as well as about the vehicle, its owner and persons authorized to drive the car.

The new policy has new sections. A column has been added that contains information about the owner of the car, including his class, as well as about all other persons who are allowed to drive the car. In the section for calculating the insurance premium there is now a table detailing how to calculate the cost of compulsory motor liability insurance.

It is not necessary to change an old but still valid MTPL policy, but you can do this for free if you wish by contacting your insurance company. At the same time, if the policyholder makes changes to the current insurance contract, for example adding a new driver to the insurance, then the insurance company will issue a new policy.

Insurers do not rule out a shortage of new forms at agents and in remote sales offices, so until September 30, 2016, old and new policies will be on sale simultaneously.

The main visual difference of the new OSAGO policy is its color. Insurance will now be pink instead of green. In addition, a QR code will appear on the form, with which you can check the validity of the policy based on the Russian Union of Auto Insurers (RUA). Also on the new form there is a column with information about the bonus-malus discount.

Insureds will not have to thoroughly study a new policy when taking out under the fear of receiving a counterfeit - insurers assure that fraudsters will learn to make counterfeits only in a couple of years.

“The country is flooded with fake policies produced in China, Poland, and in the former Soviet republics on the remnants of Goznak equipment; they cannot be distinguished from real ones,” explained the president of RSA, explaining the need to switch to new forms. The lost profit was estimated by the union at 5 billion rubles. in year.

In addition, from July 1, legislation will come into force that allows insurance companies to sell electronic compulsory motor liability insurance policies to legal entities. Individuals were given the opportunity to enter into MTPL contracts via the Internet in July last year. However, today only 14 companies offer clients such a service.

New medical certificates

The car owner does not have to keep a huge sheet with data about his car at home.

You can easily attach other information related to maintenance, repair, and replacement to the history of the purchase and sale of the car in the future. Anything. In fact, it may turn out to be a Russian analogue of the Carfax system. To some extent, the history of the car in all its manifestations is not very necessary, but in theory it is not a burdensome function. And most importantly, the car owner does not have to pay extra for it. And in case of sale, the buyer can familiarize himself with it.”

“It is obvious that an electronic title can be an additional advantage when selling a used car, provided that it reflects complete information about the history of ownership and operation of the car,” says the director of the development department of the company ROLF to Gazeta.Ru. — Such critically important information is, first of all, recording mileage during the transfer of ownership, insurance, service, and so on.

Also important is information about the purchase of the car - on credit or for cash, the history of insurance claims and repairs. Without this information, the value of an electronic PTS when buying and selling a used car is low.

So far there is no talk of entering this data into the electronic PTS. This means that the market will have to look for other solutions.”

Now automakers and the traffic police will test the system via the Internet. From January 1, 2017, paper PTS will begin to be gradually withdrawn from circulation, and from July 1 next year, paper passports will no longer be issued at all. If desired, car owners will be able to replace a paper document with an electronic one approximately at the beginning of next year.

MOSCOW, June 28. /TASS/. From July 1, the Russian Union of Auto Insurers (RUA) is launching a campaign for the transition of MTPL insurers to selling policies on new forms. At the same time, a transition period is provided when policies will be sold simultaneously on new forms and on old forms, which will last until October 1, 2016.

This was announced by the President of the RSA and the All-Russian Union of Insurers (VSU), Igor Yurgens.

“The transition period for the simultaneous sale of old green and new pink policy forms will be established from July 1 for three months. During this period of time, insurance companies will be able to make changes to contracts or conclude new contracts on both new and old policy forms. This The period will provide an opportunity to most comfortably adjust to working with new policies both for consumers of insurance services and for regulatory and supervisory authorities,” the VSS press service quotes Yurgens.

At the same time, insurance contracts concluded on old forms before October 1, 2016 will be legitimate until their expiration date.

Yurgens explained that the need for a transition period is due to the fact that insurance agents and brokers have a fairly large number of unsold old-style forms in their hands. Without a transition period, it is difficult to remove them from circulation.

According to the head of the unions, the release of new forms is aimed, first of all, at combating counterfeits, which, based on the quality of their workmanship, are often impossible to distinguish from the original without special research. According to expert estimates, at least 1 million MTPL policy forms are currently counterfeit, and so far the number of sales of counterfeit policy forms has been inactively decreasing.

“By July 1, Goznak will produce the necessary and sufficient number of new forms. They will contain more complex watermarks, a metal strip, and a different configuration of the arrangement of security elements. The secret of making a metal strip and watermarks, of course, is not revealed,” Yurgens noted.

According to Goznak specialists, the most difficult thing is preparing paper with watermarks and metal tape. So, in order to prepare a high-quality counterfeit of a new policy form (with new watermarks and approved configuration) it will take from one to two years.

“For car owners, this innovation will not create any additional difficulties. Everything is as always, only the policy will have a slightly different appearance of the form, in this case, a different color - pink,” Jurgens emphasized.

“In fact, there is an increase in the cost of the policy form, but these costs fall entirely on insurers and do not affect car owners in any way. The cost of a new policy form for insurers entails an increase in price by about 0.7 rubles. RSA does not bear direct costs in connection with the innovation,” - assured Jurgens.

On July 1, 2016, insurance companies began selling MTPL policies of a new type. The documents not only changed in appearance, but also received enhanced protection against forgery.

What are the reasons for issuing new forms?

• remove counterfeit forms from circulation,
• will reduce the likelihood of counterfeit products,
• will force policyholders to refuse to buy a counterfeit and purchase a new type of MTPL policy.

What are the benefits of replacing insurance policies?

• increase the level of protection and preservation of personal data of car owners and the vehicles themselves;
• stop fraudulent activities related to the production and sale of counterfeit auto liability insurance policies by third-party companies posing as representatives of insurance companies;
• stop the uncontrolled distribution of unused old forms.

What has changed in the form

Let's look at what the new OSAGO policy looks like and how it differs from the old one:

• Document color. The new form changed color - it became pink (previously it was green).
• Graphic design. For additional protection against counterfeiting, MTPL insurance policies of the new type have received graphic designs and complex colors (from yellowish to lilac and pink shades).
• Text font. Now the letters and fields to fill in have become larger and easier to read.
• Means of protection. The form of the new MTPL policy received a higher level of protection: a metallized strip with the inscription “policy”, RSA logos, etc. The size of the old watermarks has changed.
• 2D QR code. It appeared at the top right of the form. With its help, you can obtain information confirming the conclusion of the contract.

Do I urgently need to change my MTPL policy to a new one?

If your previous policy did not expire before July 1, 2016, then there is no need to urgently purchase new insurance. Old green forms are valid until the expiration of the car insurance period specified in the contract.

New policies must be issued after October 1, 2016. The registration process remains the same. Car owners who have electronic MTPL policies will not be affected by the innovations at all.

You can buy a new OSAGO policy at the nearest AlfaStrakhovanie office in Moscow or another city. For more information, please contact your company consultant.