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The President of NSSO, RSA and VSS Evgeny Ufimtsev reported that the average cost of an annual OSGOP policy for a taxi will be approximately 2.5 thousand rubles. The law on OSGOP will come into force for taxi carriers from September 1 of this year.
The average cost of an annual policy of compulsory liability insurance for taxi carriers (OSGOP for taxis) will be about 2.5 thousand rubles, or 10 rubles per 1 day of the contract term. This calculation was given to Interfax by the president of the National Union of Liability Insurers (NULI), the Russian Union of Auto Insurers (RUA) and the All-Russian Union of Insurers (VSS) Evgeny Ufimtsev.
The law on compulsory motor third party liability insurance will begin to apply to taxi carriers from September 1 of this year; it establishes a 2-month transition period for taxi carriers to fulfill the obligation to conclude a compulsory motor third party liability insurance contract.
Ufimtsev drew the agency's attention to the fact that the law on compulsory motor third party liability insurance "not only provides for liability limits for harm to the life and health of passengers that are 4 times higher than the law on compulsory motor third party liability insurance (under which payments are currently being made), which amounts to 2 million rubles instead of 500 thousand rubles, but this law significantly expands the list of risks, upon the occurrence of which insurance payments are due to taxi passengers."
"If, for example, a taxi car went off the road and overturned, and passengers were injured, they are not entitled to payments under the MTPL policy, since there was no accident. But according to the law on MTPL, passengers are entitled to payments, since compensation under MTPL is made regardless of the causes of the accident and the identification of the culprit, simply based on the fact that passengers received harm," Ufimtsev explained to the agency.
He gave another example: "Let's say that as a result of a car fire, people left the car, and the luggage of the taxi passengers was damaged. In OSAGO, property payments of this kind are not made, but they will be made within the framework of the relevant limit under the OSAGO contract."
Thus, Ufimtsev concludes, "the extension of the law on compulsory motor third party liability insurance to taxi passengers is aimed at strengthening their insurance coverage. In addition, the law equalizes the rights of taxi passengers to receive insurance compensation with passengers on other types of transport, for example, those who choose to travel on buses, trolleybuses, airplanes, watercraft or trains. This is certainly a fairer approach."
“At the same time, the financial burden on taxi carriers under this law is minimal,” Ufimtsev emphasized.
Answering the agency's question about the progress of insurers' preparations for concluding OSGOP contracts in the taxi sector, Ufimtsev noted that "at present, the insurance community is negotiating the formation of insurance conditions under OSGOP contracts with the largest taxi aggregators; they have not been completed. It seems to me that concluding OSGOP contracts with the participation of taxi aggregators as agents is a simpler and more convenient way for carriers to organize insurance."
As reported, Russian insurers, according to the All-Russian Union of Insurers, were ready to conclude OSGOP contracts for taxis at the end of August.
Carriers who received permission to transport passengers and luggage by light taxis before September 1, 2024, by law have 60 days, starting from September 1, 2024, to conclude an OSGOP agreement and submit information about it to the executive authority of the constituent entity of the Russian Federation, the Supreme Court noted.
The absence of a MTPL contract and data on the contract in the regional register of passenger taxi carriers will be considered a violation. "The validity of the permit for transportation by passenger taxi will be suspended and, after 30 days, cancelled," the union explained in a previously distributed message.
Aggregators can act as agents - organizers of insurance under the OSGOP contract. At the same time, car owners - individual entrepreneurs who use transport for taxi transportation and are included in the official register, can independently conclude OSGOP contracts with the selected insurance company.
Carrying passengers by taxi without an insurance policy entails suspension of the permit to carry out professional activities and imposition of an administrative fine. The fine for officials is from 40 thousand to 50 thousand rubles, and for legal entities - from 500 thousand to 1 million rubles.
Currently, the taxi segment remains significantly accident-prone, the VSS notes. Thus, according to the Bank of Russia, in terms of statistics on MTPL, the frequency of insurance claims under taxi policies at the end of 2023 is 6.6 times higher than under MTPL policies for other passenger cars
Since January 1, 2013, a federal law (No. 67-FZ) has been in effect in the Russian Federation, according to which all passengers injured on public transport have the right to insurance payments in the event of harm to their life, health and property.
Payments under the OSGOP contract for damage to the life of a passenger under the OSGOP law are set at 2 million 25 thousand rubles, payments for damage to the health of a passenger are within the limit of 2 million rubles, they are made depending on the severity of the injuries received, calculated according to a special table approved by a decree of the Government of the Russian Federation. Payments for several injuries are summed up. The limit of compensation for damage to the property of a passenger is set by the OSGOP law within 23 thousand rubles, payments are made taking into account the degree of damage to the property of the passenger.
