It was forbidden to issue an insurance policy for motorcycles for less than one year
In an interview with Iran Economist, Ali Ostad Hashemi stated: According to the statistics extracted from the central insurance system of Sanhab, there are currently about 25 million current (valid) third party insurance policies for all types of land motor vehicles, on the other hand, according to published statistics, the number The total number of vehicles in the country is estimated to be more than 38 million units, so it can be concluded that currently at least 13 million types of vehicles, i.e. about 34% of the total number of vehicles in the country without third-party insurance policy, are traveling on the streets and roads of the country. The largest share of uninsured cars with more than 86% is related to motorcycles.
He stated: According to the officials of Rahor Faraja and the Ministry of Security, there are currently around 12.5 million motorcycles in circulation in the country, while the reports obtained from Sanhab Central Insurance System show that the number of current third-party insurance policies (Authentic) Motorcycles are currently around 1,300,000, so around 11,200,000 motorcycles, that is, nearly 90% of motorcycles are traveling in the country without third-party insurance policies and driver accidents.
General Director of Central Insurance, what is your plan for pardoning the crimes of motorcycles in not buying an insurance policy? He stated: Central insurance from the beginning of 1402 until now with the proposal of forgiveness of crimes subject to paragraph (b) of article 24 of the Third Party Insurance Law and the approval of the Minister of Economic Affairs and Finance, in two stages on the occasion of Government Day from the second to the 18th of Shahrivar month and also on the occasion of Insurance Day from December 13th to December 12th and for a total of 47 days, provided the possibility and opportunity to purchase insurance policy without penalty and with minimum payment of insurance premium for the owners of motorcycles without insurance policy. Meanwhile, it should be noted that according to Article 2 Third Party Insurance Law Preparing a third party insurance policy is legal and mandatory.
* Having third party insurance is a condition for providing car services in government agencies
Professor Hashemi also added that if the Minister of Economy agrees, by the end of the year we will have at least one period of remission of insurance premiums for those who do not have a third party insurance policy; At the same time, Central Insurance is considering a plan, the implementation of which, of course, requires cooperation and agreement with other agencies, and according to which the penalty for the absence of a third-party insurance policy will be waived at the time of providing car services to car owners by other executive and permanent governing bodies. will be.
* 20% discount on zero kilometer motorcycle insurance policy
General Director of Central Insurance, in response to the question, what facilities have you considered for purchasing third-party insurance policies for motorcycle riders? He stated: Central Insurance, through the Supreme Council of Insurance, with the aim of encouraging motorcycle owners to purchase third-party insurance coverage and to create universal third-party insurance coverage for motorcycle owners, who are generally from the lower classes of the society, offered a 20% discount for issuing a one-year personal insurance policy. Third, zero kilometer motorcycles were approved and sent to the government board for final approval, which we hope will be approved.
* Insurance policies of less than one year were prohibited for motorcycles
He said: Also, according to the above-mentioned resolution, it is prohibited to provide insurance policies for motorcycles with zero kilometers, from the beginning of this year to the end of December, more than 1 million 790 thousand third party insurance policies and driver accidents for all types of motorcycles by companies Insurance has been issued, but currently only insurance policies related to the number of 1,300,000 motorcycles are valid.
According to Professor Hashemi, investigations show that motorcycle manufacturers in the country, who are required by law to insure zero-kilometer motorcycles in order to number the license plate by the police, buy third-party insurance policies and driver accidents on a short-term basis, and therefore practically Many of these insurance policies are now expired and no longer valid.
* Insurance purchase credit with the cooperation of Qarzul Hosneh Bank
Professor Hashemi said about the fact that most motorcycle owners do not have cash to buy an insurance policy, he said: With the recent memorandum of understanding between Central Insurance and Iran’s Qarz Al Hasaneh Mehr Bank to grant facilities with a low interest rate in order to buy insurance policies, it is possible to buy all kinds of insurance policies. Insurance policies, including third party insurance policies, are provided for vehicle owners, especially motorcycles.
* The process of obtaining an engine certificate becomes easy
In response to the question, what kind of joint plan do you have with the police to encourage motorcyclists to buy a third-party insurance policy? He stated: Considering that most of the motorcycle riders do not have a driver’s license and it seems that one of the reasons for the owners of these devices to avoid insurance, in addition to the insurance premium, is the complicated, time-consuming and expensive process of issuing a driver’s license, the traffic police has a so-called plan has provided easy certification and the Central Insurance and Bodily Damage Insurance Fund have also announced their readiness to cooperate in the implementation of the said incentive plan and provide insurance policies with special conditions to those who have accepted the said test.
* A gift of a helmet for motorcyclists who pass the certification test
The head of Central Insurance said: In this regard, the fund also donates a helmet to motorcyclists to encourage those accepted in the test.
Professor Hashemi, what is your plan to encourage car drivers without compulsory third party insurance? He stated: All the incentive solutions mentioned for motorcycles, including the forgiveness of insurance policy crimes from the 2nd to the 18th of Shahrivar month and also from the 13th to the 30th of December 1402, have also been applied to other vehicles, including cars, and the central insurance In cooperation with the Bodily Damage Fund and insurance companies, it is trying to find new and motivating solutions to encourage car owners to buy insurance policies.
He emphasized: Considering that according to the third party insurance law, vehicle owners are required to purchase third party insurance coverage and providing services to vehicles without insurance policies by organizations and institutions related to transportation is prohibited, Central Insurance and the Bodily Damage Fund which, according to the law, is in charge of compensation for bodily damage caused to third parties as a result of driving accidents involving uninsured vehicles, a series of follow-ups, negotiations and constructive cooperation with other institutions related to transportation in order to identify uninsured vehicles has had
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