How a CTP is calculated, a CTP calculation formula.
OSAGO – compulsory third party liability insurance.Since July 1, 2003, Federal Law No. 40-ФЗ of April 20, 2002 began to operate, thanks to him we learned about CTP. And now every car driver should have such an auto insurance policy with him.
If you do not have a CTP policy when driving a vehicle, or you are not included in it as an admitted driver (with the exception of a policy without limiting the number of drivers), then an administrative penalty under article 12 of the Administrative Code of the Russian Federation 12.37 part 2 is imposed (Penalty from 500 to 800 rub., Prohibition of vehicle operation with the removal of state license plates).
As calculated OSAGO.
Each car enthusiast asks these not modest questions, what determines the cost of the CTP, how to calculate the cost of the CTP policy. The sum consists of a formula that consists of 7 factors and the base cost of the insurance policy.
The formula for calculating OSAGO.
K-tr * K-vz * K-ss * K-msch * K-tks * K-sr * K-bn * base cost = Insurance amount
The basic cost of insurance Cars (category “B”) is equal to:
for legal entities = 2375;
for individuals, entrepreneurs without a legal entity = 1980
Cars (vehicles of category “B”) used as taxi = 2965
K-tr is a territorial coefficient. Each region of the Russian Federation has its own coefficient, where the risk of a traffic accident is greater, it is higher. For example: in Moscow K-tr = 2.0, and in St. Petersburg K-tr = 1.8
K-BG is a coefficient that takes into account the age and total experience of the driver. You are 23 years old and you received a driver’s license 3 years ago, the amount of insurance will change to a lesser side, since K-Bz = 1. But there is a caveat, if you purchase a CTP policy with an unlimited number of drivers allowed for management, the ratio will be the maximum K -vz = 1.8.
K-ss is the coefficient of insurance cases in which you were responsible for the accident or not.If not, insurance will cost you much less.
K-msch is a coefficient that takes into account the power of your car. The more engine power in horsepower, the more expensive the insurance will be.
The power of your engine is less than 50 horsepower, then K-msch = 0.6
The power of your engine is more than 50 horsepower, but does not exceed 70, inclusive, thenK-msch = 0.9
The power of your engine is more than 70 horse, but does not exceed up to 100 inclusive, thenK-msch = 1
The power of your engine is more than 100 horse, but does not exceed up to 120 inclusive, then K-m. = 1.2
The power of your engine is more than 120 horsepower, but does not exceed up to 150 inclusive, then K-msch = 1.4
The power of your engine is more than 150 horsepower, then K-msch = 1.6 maximum .
K-tks – this ratio applies to cars that are used for hiring in a taxi
K-Wed is the ratio of the duration of the insurance period. The shorter the insurance period, the more expensive. Therefore, it is more profitable to purchase the policy immediately for 12 months.
К-бн – this is a bonus coefficient, the longer you insure with the same insurance company, the insurance will be cheaper.