for all vehicle owners in the territory of the Russian Federation, the law on compulsory third party motor insurance.For this purpose there is a special policy that should get every driver.On what is the minimum period of insurance CTP in 2015, will be discussed in this article.
Categories for insurance
There are several categories of car owners, who must be insured in the different conditions.For instance, vehicle owners who have registered their car outside the Russian Federation, buy insurance policy for a period of five to fifteen days.You can also purchase insurance for a longer period - up to twenty days.This requirement applies only to those drivers who are in transit and are sent to the place of permanent residence, or for the compulsory technical inspection of the vehicle.Those persons who have registered vehicles in Russia, the minimum period of insurance insurance is one year.If the recent past, it was possible to insure its third party liability for at least six months, in 2015 it will be impossible to do.
How to calculate the cost
cost of the policy depends on several factors.The first is the car itself.Next, the price policy of the region where the vehicle is registered.After that, the car owner should specify in the contract the period in which it plans to use the vehicle.However, remember that when you specify the period, such as ten months, the price will be calculated as one year.Therefore, regardless of what the minimum period of insurance insurance, insurance policy cost can not be paid in installments, this is not provided by the insurer.That is why, wanting to save money, the drivers are coming up with different tricks, if only to reduce the cost of the policy.
How to insure a vehicle
All you need to do to obtain the contract for transport to the most basic term insurance on insurance - is to contact the company that provides such services.Today there is a wide range of organizations ready to serve customers to the highest level and at affordable rates.The main thing is not to shy away from purchasing the required policies in the future, no problems, especially in the event of a traffic accident.If the accident will reveal the fact that the guilty party is no mandatory insurance, in addition to the fact that he will restore the damage caused to the victim, he had to pay a heavy fine for the absence of this document.
Which policy is more profitable to buy
As mentioned above, the minimum period of insurance insurance is one year.All tariffs are strictly regulated by the state, and absolutely all insurance companies are required to sell these policy at a standard price.However, you can save a little.
For example, if in the winter time a person does not use your car, then, of course, it is not necessary to pay for a few months.
There are some motorists who run transport only three months a year.Thus, the driving experience is growing, the coefficient of accident-free driving is falling and the age of the owner of a car is also becoming more than twenty-two years.The coefficient is based on three months will be lower than for the whole year, so be sure to specify the period of use of the vehicle.
collected all the data, the insurance manager can make such a small discount to drivers for a minimum period of insurance CTP.Some companies, trying to earn as much as possible, include in the policy and even life insurance.So before you sign the contract, you need to specify the agent that is included in the service.If there is no need for additional services, it is better to give them up, and not to overpay, but then have to wait a little over a month to process a minimum period of insurance CTP.Rosgosstrakh, for example, with an excellent reputation, sells insurance policies without any additional surcharges.Therefore, when the term of the insurance comes to an end, you can refer to a reliable organization and safely drive a car one more year.
