The compulsory motor insurance (MOTPL) is aimed at protecting the vehicle owner’s rights. At the same time the MOTPL regulations provide for the maximum insurance compensation rates for the types of damage. However, unfortunately very often the damage caused by far exceeds the specified limits, in which case the car owner may need the voluntary motor insurance.
Geography of the policy: Russia.
Insurance terms:
In line with Clause 4 of the “Motor insurance rules” insurance provided in accordance with such rules is supplementary to the insurance provided under the compulsory motor insurance agreement.
Under the Voluntary third party liability insurance rules the compensation is paid in the event of insufficient compensation coverage under the compulsory motor insurance for the reimbursement of damage caused to the life, health or property of any third person and in the event of liability not falling under the insurance risk provided by the MOTPL agreement.
The maximum limit of insurer’s liability is set at RUR500k, 1 mln, 1.5 mln, 3 mln. etc, below which the aggregate liability (compulsory plus voluntary)applies.
If as a result of the accident the victim is deprived of work capacity or dies, the law prescribes Ingosstrakh to pay an insurance compensation to the policy holder or his/her appropriate successors.
“Ingosstrakh” compensates for:
Direct actual damage caused as a result of property destruction or spoilage;
Damage associated with third parties’ life and health hazard;
Medical expenses and cost of medicine;
Expenses incurred as a result of temporary incapacity caused by the accident.
Reference price of voluntary third-party liability insurance price (RUR) with a compulsory franchise in the form of MOTPL
Category
500 000
1 000 000
1 500 000
3 000 000
15 000 000
30 000 000
Foreign models up to 80 hp (cars)
900
1 950
2 450
5 950
7 200
8 750
Foreign models up to 110 hp (cars)
1 100
2 350
3 000
7 250
8 750
10 650
Foreign models from 110 hp (cars)
1 400
3 050
3 850
9 350
11 300
13 750
Domestic models (cars)
1 250
2 750
3 500
8 500
10 250
12 500
Taxi (including jitneys)
1 850
4 000
5 100
12 350
14 900
18 150
Car trailers
250
550
700
1 700
2 050
2 500
Lorries (up to 10t)
1 250
2 750
3 500
8 500
10 250
12 500
Lorries (from 10t)
1 950
4 300
5 450
13 200
15 900
19 400
Lorry trailers
500
1 100
1 400
3 400
4 100
5 000
Buses (up to 20 seats)
1 000
2 200
2 800
6 800
8 200
10 000
Buses (from 20 seats)
1 250
2 750
3 500
8 500
10 250
12 500
Trolleybuses
1 000
2 200
2 800
6 800
8 200
10 000
Trams
650
1 400
1 750
4 250
5 150
6 250
Special vehicles
750
1 650
2 100
5 100
6 150
7 500
Special vehicle trailers
200
450
550
1 300
1 550
1 900
Motorcycles and scooters
750
1 650
2 100
5 100
6 150
7 500
The policy price depends on:
the type of the vehicle;
engine capacity;
date of vehicle issue;
responsibility limit;
effective period of the insurance agreement;
age and driving experience of persons having a driving license
Our contacts
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