The coefficients of CTP.

Since April 1, 2015 in Russia were introduced regional coefficients of avtograzhdanki, and after another two weeks - change the base.Rates increased by 40%.How many drivers now have to pay for the insurance policy?

Legislative changes

currency devaluation, increasing the limit limit payments avtograzhdanki unprofitable segment of the insurance market - all these factors led to the increase in tariffs and the expansion of the corridor payments in 2015.

coefficient territory insurance increased to 11 regions of the Russian Federation and for the same number reduced.Maximum growth rates of 25% is provided to the Chuvash Republic, Voronezh, Kurgan regions.In the Magadan region tariffs will be reduced by 41%.In Dagestan, Tuva, Ingushetia, Chechnya and the Leningrad region by region insurance rate has decreased.

calculations were carried out by experts of Moscow State University.According to information received, in some areas it was necessary to increase the fare on public transport modes more than 400%.The real change was 100%.Adequate tariff increase market waited for a few years.The PCA believe that now will achieve improved quality of protection and balancing of interests.

addition introduced a new system of obtaining prompt payment for the mere fact of damage to life and health of the victim.Previously, all payments made after the treatment, on the basis of checks provided.Payment can now not only the dependents of the victim, but also his closest relatives.

Pricing

cost of the policy is made up of special rates and indices.Odds are set by the state insurance law.Insurance companies can not change their own.In late 2014 the regulator has increased the maximum size of payments on avtograzhdanki to 400 thousand. Rub., And that companies are not losing money - to increase tariffs by an average of 50%.

How do you calculate the cost

The formula is quite simple: insurance insurance rates are multiplied with the base rate.But both values ​​depend on several factors: the length of the driver, the region's stay car, state TS and so. D. The usual formula for the calculation is as follows:

Polis = TDB x CT x BM's KBC's OK x km x C x SC x Pwhere:

• BT - base rate.
• CT - Regional insurance factor.
• KBC - an indicator of the age / experience.
• BM - bonus-malus.
• OK - limiting measure.
• KM - engine power.
• C - seasonality.
• CN - factor disorders.
• P - component of the insurance period.

most expensive insurance policy will cost the young people who go on powerful cars in large cities.Costs experienced drivers with accident-free driving experience more than 10 years will be minimal.

basic rate

cost insurance policy varies by region.For each mode of transport, depending on the number of seats and the tonnage set its tariff.For owners of the cars he shares as belonging to the pre- eminence or legal entities.He has not changed since 2004.For contracts that are entered into after April 1, 2015, will be used by such factors MTPL insurance rates:

motorcycles and scooters - 1507 rubles.

Cars:

• legal persons - 2945 rubles .;
• individuals, SP - 2455 rubles.

Machines used as a taxi, - 3677 rubles.

Trucks:

• with a maximum permissible weight of 16 tons - 2511 rubles .;
• more than 16 tons - 4018 rubles.

Buses:

• with 20 passenger seats - 2009 rubles .;
• with the number of 21 seats or more - 2511 rubles .;
• taxi - 3677 rubles.

Trolleys - 2009 rubles.

Tram - 1252 rubles.

Tractors - 1507 rubles.

territorial indicators

This factor can greatly affect the calculations.It depends on the area of ​​primary operation TC.If the contract is issued to an individual, use the place of cars registered, and for entrepreneurs - the place of state registration of the organization.

biggest factor territory CTP used in metropolitan areas with active movement and a high concentration of road accidents (Kazan, Perm, Yakutsk, Chelyabinsk).For additional powerful cars is calculated higher rates.Therefore, car owners to register the vehicle better SUV or truck to a relative living in the area.New insurance rates for 2015 are presented in the table below.For 11 regions indices were increased, while the rest - reduced.In Moscow the index value remains the same.

Bonus-malus

Otherwise, this figure is called a discount for the trouble-free ride.It can significantly affect the cost of the policy.This ratio is assigned on the basis of the presence / absence of specific benefits to the driver, not the car.So replacing the vehicle or the insurance company to change this parameter does not affect.Class is updated at the end of the year from the date of conclusion of the contract.The coefficients are calculated according to the insurance policies earlier, if the break between contracts was not more than 12 months.Otherwise, the car owner is assigned to the base the third grade.

Nuances

If the intervening period the driver was responsible for the accident, then apply it to the higher insurance rates.The new policy will cost 50% more expensive.For trouble-free year, the customer receives a 5% discount.If the policy is issued for the first time, the value of the index is 1. The maximum discount is 50%.If the policy is inscribed several drivers (for example, the father of the paperwork on his son), and one of them recently received the law, it is calculated at the minimum rate.Thus, changing the value of insurance policy.

New coefficients BM determine the class of the driver.For example, if the person had a 5th grade with the value of the index of 0.9, followed by his fault the accident occurred, then the next year the discount will drop to 5%, and the rating - up to 3. If the next 12 months will be trouble-free, thethe driver expects a higher level 6.

Getting information

bonus-malus is formed on the basis of the history of insurance claims.To keep track of them, in 2013 we set up a special database PCA.Each insurer within 15 days after signing the contract transfers the data controller.

age / experience

more experience accumulated a driver, the lower the value of this indicator.But there are two important figures: the driver's age (22 years) and 36 months of driving.In this case the value of the index Buda highest - 1.8.If several drivers, it takes into account the maximum value of the index.

limiting factor for CTP (2014)

The insurance can enter several drivers.If the policy they will be listed by name, it does not matter the number (2 or 5).Factor will not change.But if the driver can not tell exactly who else will be in the car, but allows for such a possibility, then the value of 1.8 is used.

Seasonality

Many drivers use the vehicle only in the summer and the winter is left in the garage.Or operate the machine during long trips.In such cases, a seasonal policy issued for any period of 3 months.The index value is equal to one, it begins with the 10 months of operation.When a shorter period you can count on a small discount.

factor disorders

It is used in such cases:

• making false statements;
• driving while intoxicated;
• deliberate provocation of an accident;
• departure from the scene;
• finding the person behind the wheel is not inscribed in the policy.

Indicators of the insurance period and engine power

first ranges from 0.2 to 1, and is used only for foreigners or if the car is moving in transit.Engine power can be seen in PTSD.This ratio is calculated depending on the horsepower.If the documents are listed kilowatts, the conversion is as follows: 1 kW = 1,359 liters.from.

Cars trailer

For such an individual TC rate is no longer provided.Instead, a special factor which depends on the type of trailer, from 1.15 to 1.45.

Clean Slate

insurance history of the plant to the person who has rights and controls the vehicle.But the data are cleared, if within 12 months of the driver has not been entered in any insurance policy.Example: the owner of the vehicle can not ask for a car owner to conclude a contract without the persons admitted to management.After 12 months of its history is reset, it will be possible to sign their own policy.Vehicle owners must first renew the documents relative, and then go on a power of attorney.

Other changes

The possibility to conclude a contract for a period of less than one year are now available.This need may arise, for example, if the vehicle is acquired in one region, and the driver wants to register it in another.Previously, for such purposes, the policy was bought for a few days.Now such insurance can be issued only to foreign vehicles.Therefore, Warriors can only conclude seasonal contract.For owners of the vehicle to LPG equipment provided 15% discount.

Basic cost of policies in major Russian cities

For example, take the maximum data rates for drivers 23 years of management experience with the vehicle over three years old, who has a car with an engine capacity of 70-100 liters.from.

Conclusion

In April 2015 the BankRussia has changed the ratio of insurance by region and basic rates.Innovations settle increasing the maximum amount of payments and the economic crisis in the country.In general, the growth rates reached 40-60%.Odds territorial jurisdiction changed only in 11 regions.Base rates are not also increased in all areas.A new coefficient for vehicles with a trailer.Contents insurance for a few months for the vehicle registered in the Russian Federation can only seasonally.