Do you need insurance for a motorcycle?

In recent years, there has been a great demand for such a mode of transport as a motorcycle. Two-wheeled "iron horses" are very popular not only among young people, but also among the older generation.

Modern motorcycles are very beautiful, powerful, trimmed with chrome and nickel-plated details, just do not leave anyone indifferent, and everyone wants to not just sit on them, but ride and buy yourself. With each passing day on Russian roads, their number increases. At the same time, each driver raises the question of whether insurance is required for a motorcycle.

Insurance of transport

Since 2003, in Russia, a law has been passed, according to which motorists must acquire a compulsory insurance policy. According to this law, the list of vehicles accepted for insurance was defined. Today the motorcycle is on the list of vehicles that are subject to insurance. It turns out, the insurance of OSAGO on a motorcycle is necessary, and without it you can not move on the roads.

However, many insurance companies refuse to accept motorcycles for insurance. This refusal is explained by the fact that motorbike insurance is a loss-making kind, and companies want to shield themselves from spending.

Compulsory Motorcycle Insurance

The law of compulsory insurance is the same for both cars and motorcycles. The maximum amount of payment in the event of an insured event is 400 thousand rubles for transport and 500 thousand for health. The insurance for a motorcycle and the insurance procedure is no different from car insurance. You will need to have a personal passport, documents for the vehicle, driver's license and a diagnostic card. If you are not the owner of the motorcycle, you will need to provide the owner's passport (copy or original) for registration.

How to calculate motorcycle insurance

The basic and correction factors are used to determine the size of the insurance premium . The base coefficient, established in 2015, for vehicles of category "A" is 867 rubles. This base factor is multiplied by adjustments, which depend on: the owner's registration, the age and length of the drivers who will be admitted to management.

Also do not forget about the bonus-malus ratio or discount. According to the law, each driver for a trouble-free ride gets a 5% discount per year. Every year the discount is summed up and applied to lower the basic insurance premium.

However, those drivers who participated in the accident and were the culprits, count on the discount is not worth it. For this category there is an increasing coefficient, which is determined individually for each, depending on the number of losses during the year.

How to make out

The insurance for motorcycle OSAGO (Rosgosstrakh offers for registration in any office) can be obtained without problems. You need to have a complete package of documents. The first thing you need to do is fill out an insurance application. It should specify all passport data, vehicle data and provide personal information to drivers who will use the motorcycle.

Only on the basis of the completed application, the representative of the insurance company will calculate the premium and formalize the OSAGO contract. However, it is necessary to take into account the fact that insurance for a motorcycle is made only after it is inspected. Therefore, before visiting an insurance company, the vehicle must be prepared and washed.

Those who do not wish to personally visit the insurance company, wait in queues, show the motorcycle for inspection, can obtain an insurance contract through the Internet. From July 1, 2015, online insurance for the compulsory motor third party liability insurance is issued.

Rosgosstrakh also offers its clients to purchase a policy through the World Wide Web, without visiting the office of the company. This significantly saves time and allows you to solve the issue of insurance in a matter of minutes. How is the process of processing the electronic form of OSAGO and what is different from the usual paper?

Making an electronic policy

To issue a compulsory motor insurance policy, you must go to the official website of the company and go through a simple registration form. After registration, the personal access code will be provided with an access code, which you will need in the future when registering the contract and will serve as an electronic signature.

After the key is received, it is necessary to return to the company's website and fill out the application. Once all fields of the application are correctly filled in, it will be necessary to confirm the reliability of the information by introducing the received secret code. Further, the data in the automatic mode will be processed and the insurance for the motorcycle is calculated and framed. You can pay the contract by bank card or through an electronic wallet. After payment the electronic form of OSAGO will be registered on the site of the SAR and will be sent to the post office. This form does not differ in appearance from the usual paper form.

What is necessary for registration

The list of documents required to purchase an electronic policy is no different from the documents required to enter into an agreement at the office of the insurance company. You will need a passport, a document for a motorcycle, a driver's license, a diagnostic card (if the vehicle is older than 3 years) and the received electronic key.

When insurance is made for a motorcycle, Rosgosstrakh additionally proposes to conclude life insurance. This type of insurance is very relevant among motorcyclists, because they are prone to serious injuries.

How to show insurance to the traffic police officer

If you purchased a common policy of OSAGO in the office of the insurance company, it is enough just to provide the form and personal documents. In the event that the insurance for motorcycle electronic, it is enough to show the form in electronic form: on a mobile device or tablet.

The traffic police officer has access to the database of the OSAGO of the SAR and can check, by the VIN number of your car, whether it is insured or not. It turns out, if there is no possibility to provide the form in electronic form, it is enough to announce that the form is available and ask the employee to independently check it on the basis of the SAR.

It should be noted that the insurance for the motorcycle is issued for a period of 3 months to a year. Every motorist, before traveling on the road, must acquire a compulsory insurance contract at a convenient time for him. For violation of the law, not only penalties are provided that are many times higher than the cost of insurance for a motorcycle, but also a refusal to pay when an insured event occurs.