Motorcycle is a full-fledged participant in the doodle movement, which means that it must fulfill all the rules of the road, as well as to have an insurance policy, because these are mandatory requirements for all participants of DD.
Insurance for motorcycles
The legislation of the Russian Federation provides compulsory insurance of all types of vehicles, including motor collections and motorcycles. Insurance of the OSAGO fund under consideration is a mandatory event for any situation and any defold.
By law, any vehicle that has more than 20 kilometers per hour, should be insured. If you want to move without violations of the law on your motorcycle, it is necessary to insache it, and then no one can do to you, unless you disengage the traffic rules.
The main goal of insurance insurance is to ensure the safety of the automotive and civil liability of each driver. Everything is simple - when the driver falls into an accident on his vehicle, all the costs of repairing another car or the passenger, which was at this moment on the motorcycle, fall on the "shoulders" of the insurance company (if such an accident occurred due to human fault, which is a motorcycle insurance).
Do not confuse one with another - Osago covers only the costs that will need to pay the affected side (and it does not matter whether it will be a passenger or vehicle). According to the result - if you get into an accident and it turns out that you are his culprit, the insurance company pays all the money to cover the cost of restoring repair or the health of the parties that suffered in this situation under such circumstances.
There is another criterion, why every motorcycle driver must insure - this type of transport belongs to particularly dangerous and traumatic, so in this case without insurance, just nowhere. Alarms with such a vehicle occurs quite a lot, so it is relevant in such a situation.
Cost of Osago
The cost of insurance OSAG for motorcycles is constantly changing, depending on many factors, including economic situation in the country. To say the exact cost today is impossible, because it depends on many factors, including a motorcycle model and a driver of a motor. Joyful news for motorcyclists is that the cost of insurance for a motorcycle is two times cheaper than other automotive vehicles.
Since the spring of 2016, the cost of insurance has slightly decreased, which cannot but please the owners of the motorcycle. The lower threshold became lower, about 35% percent. Do not forget about the cost of autocaretries for motorcycle drivers, it also became an order of magnitude lower. So, it is also worth considering the region where a motorcycle was registered (the so-called, regional coefficient).
At the moment, the OSAGO for the vehicle under consideration ranges from 800 Russian rubles to 1600 rubles. It must be borne in mind that the tariffs are formed on the basis of many factors, so that only the representative of the insurance company can say exactly.
Factors affecting the cost of insurance
The following aspects affect the cost of insurance:
- In case the driver drives a car less than 3 years, in this case the coefficient is elevated.
- If the driver of the motorcycle is less than 23 years old, then the insurance will cost him more expensive.
- You will also have to be posted if the motorcycle, which is insured, will participate in sports competitions.
- If the motorcycle engine is more than 250 cubes, then insurance will be more expensive.
The registration of the CTP is made as follows:
- The owner of the car must come to a specialized office with all the necessary documents.
- In order for you to issue an OSAGO for your iron horse, you must bring with you to the insurer's office following the following documents - a driver's license, as well as all the document on your vehicle. Do not forget to take a diagnostic card.
- The insurance agent will tell you in detail, and if you have any questions or something incomprehensible, you can ask everything from him.
- Registration of the insurance policy will not take a lot of time, so you will not need to spend on this process for more than 15 minutes.
- As soon as you pay Plis and lay down on it, you will be handed it out. There is such a document for no more than a year (and day per day).
If you have a catastrophically lack of free time in order to come to the office of the insurance company, you can make this document through the online program without any difficulty. All you need will be analyzed by all the necessary documents that are necessary for registration (the list above).
The only thing you should know about this type of insurance:
- After you place online insurance, you will need to print the form, because it will be necessary to present in the event of a traffic stop by the traffic police or simply by its employees.
- In case you fall into an accident, you will have to go to the main office of the insurance company under consideration, which is in this case the biggest inconvenience.
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