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MINISTRY
OF FINANCE
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SOCIALIST
REPUBLIC OF VIETNAM
Independence – Freedom – Happiness
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No.
04/2021/TT-BTC
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Hanoi,
January 15, 2021
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CIRCULAR
ON ELABORATING TO DECREE NO. 03/2021/ND-CP DATED JANUARY 15,
2021 OF THE GOVERNMENT ON COMPULSORY CIVIL LIABILITY INSURANCE OF MOTOR VEHICLE
USERS
Pursuant to Law on Insurance
Business dated December 9, 2000;
Pursuant to Law on amendments to
Law on Insurance Business dated November 24, 2010;
Pursuant to Law on amendments to
Law on Insurance Business, Law on Intellectual Property dated June 14, 2019;
Pursuant to Decree No.
87/2017/ND-CP dated July 26, 2017 of the Government on functions, tasks,
powers, and organizational structure of the Ministry of Finance;
Pursuant to Decree No.
03/2021/ND-CP dated January15, 2021 of the Government on compulsory civil
liability insurance of motor vehicle users;
At request of Director General
of Agency for Insurance Supervisory and Management;
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Article 1.
Scope
This Circular prescribes Clause 2
Article 7 on insurance premiums, Clause 2 Article 8 on insurance liability,
Clause 2 Article 27 on rate of expenses of motor vehicle fund, Clause 3 Article
28 on organizational structure for management, operation and preparation of
estimates, accounting and statement of motor vehicle fund, Clause 2 Article 30
on procedures and application for humanitarian payments made from motor vehicle
fund, reimbursement of advance compensation paid by insurance enterprises
according to Decree No. 03/2021/ND-CP dated January 15, 2021 on compulsory
civil liability insurance of motor vehicle users.
Article 2.
Regulated entities
This Circular applies to:
1. Owner of
motor vehicles participating in traffic and operating within Socialist Republic
of Vietnam territory.
2. Insurance
enterprises permitted to implement compulsory civil liability insurance of owners
of motor vehicles as per the law.
3. Agencies,
organizations and individuals related to implementation of compulsory civil
liability insurance of owners of motor vehicles.
Article 3.
Insurance premiums
Insurance premiums of each motor
vehicle type are specified under Annex I attached hereto.
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1. Insurance
liability for health and life casualties caused by motor vehicles shall be VND
150 million per individual involved per accident.
2. Insurance
liability for asset damage:
a) Insurance liability for
accidents caused by motorbikes, motorized tricycles, mopeds (including electric
mopeds) and vehicles with similar structures according to Law on Road Traffic
shall be VND 50 million per accident.
b) Insurance liability for accidents
caused by automobiles, tractors, trailers or semi-trailers towed by
automobiles, tractors or specialized vehicles according to Law on Road Traffic
shall be VND 100 million per accident.
Article 5. Rate
of expenses made by motor vehicle fund
1. Humanitarian
payments: No lower than 25% of total annual contribution to motor vehicle fund
and balance of motor vehicle fund in previous years (if any).
2. Road
traffic accident prevention and mitigation: No more than 20% of total annual
contribution to motor vehicle fund and balance of motor vehicle fund in
previous years (if any).
3. Organization
of education about road traffic safety and compulsory civil liability insurance
of motor vehicle users: No more than 15% of total annual contribution to motor
vehicle fund and balance of motor vehicle fund of previous years (if any).
4. Financing
for police authorities in cooperating with the Insurance Association of Vietnam
(IAV), Council for managing motor vehicle insurance fund and non-life insurance
enterprises in preventing, remediating and countering fraud in insurance
business and complying with regulations on compulsory civil liability insurance
of motor vehicle users: No more than 10% of total annual contribution to motor
vehicle fund.
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6. Completion
and maintenance of database on compulsory civil liability insurance of motor
vehicle users: No more than 10% of total annual contribution to motor vehicle
fund.
7. Operation
of ASEAN Program for compulsory civil liability insurance and operation of
Vietnamese agency implementing Protocol No. 5 on ASEAN Program for compulsory
civil liability insurance: No more than 5% of total annual contribution to
motor vehicle fund.
8. Management
of motor vehicle fund: No more than 8% of total annual contribution to motor
vehicle fund.
Article 6.
Organizational structure for management and operation of motor vehicle fund
1. Council for
managing motor vehicle fund consists of:
a) Chairperson of Council for
managing motor vehicle fund: Chairperson of the IAV.
b) Members:
- Representatives
of Agency for Insurance Supervisory and Management - Ministry of Finance.
- Representatives
of Traffic Police Department - Ministry of Public Security.
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- General
Director or Deputy General Director of at least 3 non-life insurance
enterprises permitted to implement compulsory civil liability insurance of
motor vehicle users with the majority of market shares leaning towards
compulsory civil liability insurance of motor vehicle users.
2. Board for
operating motor vehicle fund consists of:
a) Chairperson of Council for
managing motor vehicle fund: General Secretary of the IAV.
b) Members: Representatives of at
least 3 non-life insurance enterprises permitted to implement compulsory civil
liability insurance of motor vehicle users with the majority of market shares
leaning towards compulsory civil liability insurance of motor vehicle
users.
3. Board for
supervising motor vehicle fund consists of:
a) At least 3 members that are
representatives of 3 non-life enterprises permitted to implement compulsory
civil liability insurance of motor vehicle users.
b) Head of Board for supervising
motor vehicle fund assigned by Chairperson of Council for managing motor
vehicle fund among members of board for supervision.
c) Non-life insurance enterprises
whose members participate in Board for supervising motor vehicle fund must be
independent of life insurance enterprises whose members participate in Board
for operating motor vehicle fund to ensure timely assessment and detection of
risks that potentially affect effectiveness and principles of managing and
using motor vehicle fund.
Article 7.
Tasks and powers of organizations and bodies related to motor vehicle fund
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a) be legally responsible to
Minister of Finance for managing and operating motor vehicle fund.
b) issue Regulations on operation
of Council for managing motor vehicle fund, Board for operating motor vehicle
fund and Board for supervising motor vehicle fund.
c) issue specific regulations on
managing and using motor vehicle fund; approve estimates and statements of
motor vehicle fund.
d) issue decisions on establishing
Board for operating motor vehicle fund and Board for supervising motor vehicle
fund.
dd) submit reports on approved
estimates and statements of motor vehicle fund to Ministry of Finance.
2. Tasks and
powers of Board for operating motor vehicle fund:
a) be legally responsible to
Council for managing motor vehicle fund for managing, using, paying and
settling motor vehicle fund.
b) comply with regulations on
managing and using motor vehicle fund according to plan approved by Council for
managing motor vehicle fund as specified under this Circular and refrain from
using the fund for other purposes.
3. Tasks and
powers of Board for supervising motor vehicle fund:
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b) consolidate assessment and recommendations
for Council for managing motor vehicle fund regarding financial situations of
motor vehicle on a quarter and yearly basis.
c) conduct inspections in terms of
management and use of motor vehicle fund at request of Council for managing
motor vehicle fund.
Article 8.
Preparing estimates, accounting and making statements for motor vehicle fund
1. Preparing
estimates:
a) Before December 15 each year,
Board for operating motor vehicle fund shall prepare estimates of revenues and
expenditure of motor vehicle fund consisting of:
- Revenues and
expenditures of motor vehicle in current year.
- Revenue and
expenditure plans of subsequent years.
b) Board for operating motor
vehicle fund shall produce reports on revenue and expenditure estimates of
motor vehicle fund to enable Council for managing motor vehicle fund to
approve. Revenue and expenditure estimates of motor vehicle fund must be
provided for Ministry of Finance (Agency for Insurance Supervisory and
Management) and non-life insurance enterprises as soon as the estimates are
approved.
c) Expenditure plans according to
annual expenditure estimates, other than those specified under Clause 6, Clause
7, Clause 8 Article 5 hereof, that have not been fully implemented by December
31 each year shall be continued in subsequent years.
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2. Accounting:
Board for operating motor vehicle fund must:
a) Organize accounting works and
statistical reports according to Law on Accounting, Law on Statistical Reports
and guiding documents.
b) Comply with regulations on
accounting instruments; settle and make accounts of all revenues and
expenditure of motor vehicle fund.
c) Open accounting books to record
and store all deriving professional activities related to motor vehicle fund.
d) On a quarterly basis, be
responsible for producing revenue and expenditure reports of motor vehicle
fund, submitting to Council for managing motor vehicle fund for approval and
informing Ministry of Finance in person, via post service or via email.
Quarterly reports: Figure
conclusion date shall start from the 1st of the 1st month of the reporting
period to the 30th or the 31st of the last month of the reporting period.
Deadline for submitting reports shall be 30 days from the date on which a
quarter concludes.
3. Making
statements:
On an annual basis, Board for
operating motor vehicle fund is responsible for producing final accounts of
motor vehicle fund and submitting to Council for managing motor vehicle fund
for approval.
Article 9.
Procedures and application for humanitarian payments and reimbursement of
advance payment made by insurance enterprises
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a) Procedures for humanitarian
payments:
- Victims or
heirs thereof (in case the victims decease) or representatives thereof (in case
the victims lose legal capacity according to court’s decisions or are under 16
years of age) (hereinafter referred to as “aggrieved parties”) shall contact
motor vehicle fund to receive instruction on preparing application for
humanitarian payment.
- Within 1
working day from the date on which request of aggrieved parties, motor vehicle
fund is responsible for providing guidelines on preparing application for
humanitarian payment specified under Point b Clause 1 Article 9 hereof.
- Within 2
working days after receiving adequate application, motor vehicle fund is
responsible for paying the aggrieved parties the humanitarian payment. In case
of rejection, motor vehicle fund must provide written explanation.
b) Application for humanitarian
payment:
Aggrieved parties are responsible
for preparing application for humanitarian payment and be legally responsible
for accuracy, adequacy and legitimacy of the application. Application for
humanitarian payment consists of:
b.1) In case vehicles causing
accidents are not identified:
- Original
copy of application for humanitarian payment using form under Annex II attached
hereto.
- Copies of
excerpts of death certificates, death notices, written confirmation of police
authorities or assessment results of forensic examining bodies in case victims
deceased while mounting vehicles or decease due to accidents.
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- Certified
true copies of notice on resolving traffic accidents which specify that
vehicles causing the accidents are not identified.
b.2) In case vehicles do not
participate in insurance:
- Original
copy of application for humanitarian payment using form under Annex II attached
hereto.
- Copies of
excerpts of death certificates, death notices, written confirmation of police
authorities or assessment results of forensic examining bodies in case victims
deceased while mounting vehicles or decease due to accidents.
- Health
records in case of organ injury.
- Certified
true copies of notice on resolving traffic accidents.
b.3) In case insurance liability is
excluded:
- Original
copy of application for humanitarian payment using form under Annex II attached
hereto.
- Copies of
excerpts of death certificates, death notices, written confirmation of police
authorities or assessment results of forensic examining bodies in case victims
deceased while mounting vehicles or decease due to accidents.
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- Original
copy of documents rejecting compensation issued by insurance enterprises.
- Certified
true copies of notice on resolving traffic accidents.
2. Procedures
and application for reimbursement of advance compensation made by insurance
enterprises:
a) Procedures for reimbursing
advance compensation:
- Insurance
enterprises contributing to motor vehicle fund shall submit application consisting
of documents mentioned under Point b Clause 2 Article 9 hereof.
- Within 5
working days from the date on which adequate application is received, motor
vehicle fund is responsible for reimbursing advance compensation made by
insurance enterprises according to Point a Clause 1 Article 27 of Decree No.
03/2021/ND-CP. In case of rejection, motor vehicle fund must provide written
explanation.
b) Application for reimbursement of
advance compensation:
Insurance enterprises are
responsible for preparing application for reimbursement of advance compensation
and legally responsible for accuracy, adequacy and legitimacy of the
application. Application for reimbursement of advance compensation consists of:
- Application
for reimbursement of advance compensation made by insurance enterprises using
Form under Annex III attached hereto.
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- Detail
manifest of accidents where insurance enterprises apply for reimbursement of
advance compensation.
Article 10.
Entry into force
1. This
Circular comes into force from March 1, 2021.
2. This
Circular replaces: Circular No. 22/2016/TT-BTC dated February 16, 2016 on
Principles, terms, fees and compulsory civil liability insurance of motor
vehicle users; Circular No. 103/2009/TT-BTC dated May 25, 2009 on management,
payment and settlement of motor vehicle fund; Circular No. 43/2014/TT-BTC dated
April 11, 2014 on amendment to Circular No. 126/2008/TT-BTC dated December 22,
2008 of Ministry of Finance, Circular No. 103/2009/TT-BTC dated May 25, 2009 of
Ministry of Finance and Circular No. 151/2012/TT-BTC dated September 12, 2012
of Ministry of Finance on amendment to Circular No. 126/2008/TT-BTC and
Circular No. 103/2009/TT-BTC.
3. Difficulties
that arise during the implementation of this Circular should be promptly
reported to Ministry of Finance for consideration./.
PP.
MINSTER
DEPUTY MINISTER
Huynh Quang Hai
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COMPULSORY CIVIL LIABILITY INSURANCE OF MOTOR VEHICLE
USERS
(Attached to Circular No. 04/2021/TT-BTC dated January 15, 2021 of Minister
of Finance)
No.
Vehicle
Insurance
premiums
(VND)
I
Motorbikes
1
50 cc or lower
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2
Above 50 cc
60,000
II
Motorized tricycles
290,000
III
Mopeds (including electric
mopeds) and similar vehicles
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Electric mopeds
55,000
2
Other vehicles
290,000
IV
Non-commercial automobiles
1
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437,000
2
Automobiles with 6 to 11 seats
794,000
3
Automobiles with 12 to 24 seats
1,270,000
4
Automobiles with more than 24
seats
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5
Vehicles for both passenger and
cargo transport (pickup trucks, minivans)
437,000
V
Commercial automobiles
1
Under 6 seats by registration
756,000
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6 seats by registration
929,000
3
7 seats by registration
1,080,000
4
8 seats by registration
1,253,000
5
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1,404,000
6
10 seats by registration
1,512,000
7
11 seats by registration
1,656,000
8
12 seats by registration
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9
13 seats by registration
2,049,000
10
14 seats by registration
2,221,000
11
15 seats by registration
2,394,000
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16 seats by registration
3,054,000
13
17 seats by registration
2,718,000
14
18 seats by registration
2,869,000
15
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3,041,000
16
20 seats by registration
3,191,000
17
21 seats by registration
3,364,000
18
22 seats by registration
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19
23 seats by registration
3,688,000
20
24 seats by registration
4,632,000
21
25 seats by registration
4,813,000
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More than 25 seats
[4,813,000 + 30,000 x (number of seats - 25 seats)]
23
Vehicles for both passenger and
cargo transport (pickup trucks, minivans)
933,000
VI
Cargo automobiles (trucks)
1
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853,000
2
From 3 to 8 tonne
1,660,000
3
From 8 to 15 tonne
2,746,000
4
Above 15 tonne
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VII. INSURANCE PREMIUMS IN OTHER
CASES
1. Vehicles
for driving lessons
Equal 120% of insurance premiums
applicable to vehicles of the same types specified under Section IV and Section
VI.
2. Taxis
Equal 170% of insurance premiums
applicable to commercial vehicles with the same seat number specified under
Section V.
3. Specialized
vehicles
- Insurance
premiums of ambulance equal 120% of those of vehicles that transport both
passengers and cargoes (pickup trucks, minivans) for commercial purposes
- Insurance
premiums of money trucks equal 120% of those of vehicles with under 6 seats
specified under Section IV.
- Insurance
premiums of other specialized vehicles mandated by the laws in terms of design
weight equal 120% of those of cargo vehicles with the same weight specified
under Section VI; insurance premiums of specialized vehicles not mandated by
the laws in terms of design weight equal 120% of those of cargo vehicles under
3 tonne.
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Equal 150% of insurance premiums
applicable to vehicles above 15 tonne. Insurance premiums of vehicles towing
trailers apply to both towing vehicles and trailers.
5. Tractors
and heavy-duty vehicles
Equal 120% of insurance premiums of
cargo vehicles under 3 tonne specified under Section VI (insurance premiums of
tractors apply to both towing vehicles and trailers).
6. Buses
Equal insurance premiums applicable
to non-commercial vehicles with the same seat number specified under Section
IV.
(Insurance premiums mentioned
above do not include VAT).
ANNEX II
APPLICATION FOR HUMANITARIAN PAYMENT
(Attached to Circular No. 04/2021/TT-BTC dated January 15, 2021 of Minister
of Finance)
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To:
Motor vehicle fund
Full name of applicant:
Permanent resident address:
……………………………………………………
Phone:……………………………………………………………………………………………
ID Card/Citizen Identity
Card/Passport/other identification document number: …………… date of issue:
………………………. Place of issue: ……………………
Relationship with the victim(s):
………………………………………………………………
Full name of the victim(s):
……………………………………………………………………………………………………
Permanent residence address of the
victim(s): ………………………………………………….
Time of accident:
………………………………………………………………………………
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Summary of accident:
………………………………………………………………………………
Party at fault in the accident
(if any)
License plate number
Driver
Vehicle owner
Insurance enterprise (if any)
Name of enterprise
Certificate of insurance number
Effective period
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Eligibility for humanitarian
financing
□ Failure to
determine vehicle at fault
□ Vehicle
not participating in insurance
□ Exclusion
of insurance liabilities
I hereby assume legal
responsibility for accuracy and legitimacy of this application and attachment
thereto.
Attached documents:
List all attachments of
application for humanitarian payment
(Location
and date)
APPLICANT
(Signature and full name)
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ANNEX III
APPLICATION FOR REIMBURSEMENT OF ADVANCE COMPENSATION
(Attached to Circular No. 04/2021/TT-BTC dated January 15, 2021 of Minister
of Finance)
SOCIALIST
REPUBLIC OF VIETNAM
Independence – Freedom – Happiness
----------------
To:
Motor vehicle fund
Pursuant to Decree No.
03/2021/ND-CP dated January15, 2021 of the Government on compulsory civil
liability insurance of motor vehicle users.
Pursuant to Circular No.
04/2021/TT-BTC dated January 15, 2021 of Minister of Finance on elaborating to
Decree No. 03/2021/ND-CP dated January 15, 2021 of the government on compulsory
civil liability insurance of motor vehicle users.
We:
- (Full and
official name of insurance enterprise)
- With license
for establishment and operation No. …………. issued by Ministry of Finance on …………
(dd/mm/yyyy).
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- Phone:……………………………………………………………………………………………
Hereby request motor vehicle fund
to reimburse the advance compensation that we have made in case the accident is
determined to be excluding insurance liabilities or exceeding insurance
liabilities as per the law for cases where the accident is subject to a total
compensation of VND ………, to be specific:
- The
reimbursed advance compensation amount in case the accident is determined to be
excluding insurance liabilities is VND …………, equivalent to ………. accidents
(number of accidents).
- The advance
compensation exceeding insurance liabilities to be reimbursed in case the
accident is determined to be within insurance liabilities is VND …………,
equivalent to ………. accidents (number of accidents).
We hereby assume legal
responsibility for accuracy and legitimacy of this application and attachment
thereto.
Attached documents:
List all documents on
reimbursement of advance compensation
(Location
and date)
LEGAL REPRESENTATIVE
(Signature and stamps)
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