Is it possible to issue a compulsory motor liability insurance policy with temporary registration?

Is it possible to apply for compulsory motor liability insurance under temporary registration?

According to the laws, permanent registration in the region where compulsory motor liability insurance is issued is not a mandatory requirement when obtaining insurance. You can take out a policy regardless of what region you are registered in. The insurance company is required to issue a policy even if you are not registered in the region where it operates.

The same applies to the situation with temporary registration, which is issued to persons living for more than 90 days outside their place of registration. You have the right to apply for compulsory motor liability insurance if it is available, regardless of whether you have permanent registration. This condition applies not only to Russian citizens, but also to foreigners and stateless persons. The insurance process will remain the same.

Registration of compulsory motor liability insurance with temporary registration and without registration

In accordance with the provisions of Russian legislation, persons who, for one reason or another, stay for more than 90 days at a location other than their place of permanent registration, are required to notify the migration service about this and register at their place of temporary residence. This requirement applies to both Russian and foreign citizens (stateless persons) who have been staying in Russia for a long time.

Most often, such situations are caused by work or education. If during the period of temporary registration the car owner continues to use his vehicle, then sooner or later there will come a time when the MTPL policy expires and the question arises as to whether it is possible to obtain insurance at the place of temporary registration.

How does insurance take place?

You can apply for temporary registration insurance either at a branch of the insurance company or online on its website. In the first case, you will need to contact the insurer's office with the necessary documents and fill out an application. The insurance company will review the documents and calculate the insurance premium. After payment you will receive a paper policy.

In the second case, you will need to fill out an application on the insurance company’s website and attach scanned copies of the required documents to it. After reviewing the documents, the insurance company will calculate the insurance premium - pay it in any convenient way. After this you will receive an electronic policy.

What documents will be required

In order to obtain compulsory motor liability insurance under temporary registration, you must provide a standard package of documents:

Passport or other identity document
Vehicle title
Driver's licenses of persons required to be included in insurance
If the car has undergone a scheduled technical inspection - diagnostic card
If the car is not owned - a power of attorney from the owner

If necessary, you can provide a document from the migration service confirming temporary registration

Obtaining a policy with temporary registration

According to Russian legislation, citizens of the country who, for one reason or another, do not live at their place of permanent residence for more than 90 days, are required to notify the migration service about where they live, having issued temporary registration for this.

This requirement applies to both Russians and foreign citizens staying in Russia for a long time.

Most often, such situations arise in connection with work or visiting educational institutions far from home. And if during the entire period of temporary registration the car owner does not stop using his own vehicle, the moment will inevitably come when the insurance policy expires, and the driver will wonder whether it is possible to issue an MTPL policy at the temporary registration address.

The Federal Law on Automobile Liability Insurance explains that the insurance contract is drawn up taking into account coefficients, the values of which depend, among other things, on the region where the car is primarily used. This region is determined by the official place of residence of the car owner. Based on this statement, it follows that when the owner moves to a new place of residence, the region of primary use of the car changes. This means that there are no obstacles to the car owner taking out temporary registration insurance.

In this case, the order of actions that the car owner needs to take depends on what he plans to do:

renew the validity of the old policy;
draw up a new insurance contract.

If we are talking about renewing existing insurance, it is enough to contact the representative office of your insurance company in the given region and bring the previously concluded contract. There is no need to re-submit any documents, since information from them is already stored in the insurer’s general database.

If the car owner is to conclude a new contract, he must collect and submit to the insurance company a set of documents approved by law:

Statement.
Internal civil passport.
PTS.
Car registration certificate.
Copies of the driver's licenses of everyone whom the owner trusts to drive the car.
Diagnostic inspection card.
Power of attorney if the insurance is not carried out by the owner of the vehicle.

When applying for compulsory motor liability insurance for a car under temporary registration, you must provide the insurers with the appropriate document received from the Federal Migration Service. He will confirm the long-term stay of the car owner at a place other than the place of residence indicated in the passport. In this case, for insurers, when calculating compulsory motor liability insurance, official temporary registration will become a legal reason to apply other regional coefficients.

Such insurance will be valid only until the expiration of the temporary registration period. Most often, insurance companies immediately issue a policy only for the period of validity of the temporary registration.

Is it possible to apply for compulsory motor liability insurance without registration?

If you have neither permanent nor temporary registration, then you will not be able to apply for compulsory motor liability insurance. If there is no registration at all, the insurance company will not be able to calculate the territorial coefficient. Without this coefficient, it is impossible to determine the cost of the policy.

The only way to get around this restriction is to take out insurance by proxy. If you are the owner of a car, then you can ask another person with permanent or temporary registration - for example, a close relative - to take out insurance. In this case, you will need to write out and notarize the appropriate power of attorney. During the process of applying for a policy, a trusted person can list you as a driver. At the same time, you, as the owner, will retain the right to issue an insurance payment.

Do I need to change OSAGO when changing registration?

If you have changed your registration and have a valid MTPL policy, then you do not have to inform the insurance company about this. This must be done if you indicated registration information in the insurance contract. To change this information, fill out an application at the UK branch or submit an application on the website.

There is no need to re-issue the policy itself, since information about registration is not included in it. You will need to sign an additional agreement to the contract, which will contain the new information.

Is it possible to do OSAGO without registration?

There are various situations in our lives in which a person may not have either permanent or temporary registration. For example, an extract in connection with a move that could be delayed or during the interval between the sale of a home and the purchase of a new one, etc.

In such situations, unfortunately, it is not possible to issue a compulsory motor insurance policy for a car owner without registration, but there is also a way out here. If the policyholder does not have registration, any citizen of the Russian Federation who has a power of attorney from the owner of the vehicle can take out an MTPL insurance policy instead. In this case, the owner is entered into the policy as a driver and as an owner.

Typical problems

Some insurance companies refuse to issue a policy if the policyholder has a temporary registration. The insurance company does not have the right to refuse you if you take out insurance through temporary registration. The reasons for refusal to issue compulsory motor liability insurance according to the law can only be the lack of ownership of the car, an incorrect package of documents or lack of communication with the RSA.

If the insurer refuses to issue you with compulsory motor liability insurance with temporary registration, then you have the right to appeal the refusal to a higher authority or go to court.

Question answer

Is it possible to apply for compulsory motor liability insurance for the period of validity of a temporary registration?
The validity period of compulsory motor liability insurance is established by law and is one year. But within this period, you can set periods of use, outside of which the insurance will be considered inactive. You can set the insurance period for the duration of your temporary registration.

What to do if the insured event occurred in a region different from the place where the policy was issued?

The procedure for registering an insured event does not depend on the region in which it occurred. You can make a payment at any branch of the insurer, regardless of where you received the policy.

How is the territorial coefficient calculated when applying for compulsory motor liability insurance with temporary registration?

The territorial coefficient is calculated based on the region in which the car is registered. If you are registered in one place, and the car is registered in another, then the insurance company will take into account the coefficient of the region where the car is registered.

○ Where can I apply?

Concluding an MTPL agreement is possible in any case, even if the car owner does not have permanent registration in the Russian Federation. The presence of permanent registration only affects the cost of insurance.

In this case, the calculation will be slightly different - depending on the coefficient established in the region of registration (its size ranges from 0.6 in the Republic of Crimea to 2 in Chelyabinsk, Perm, etc.).

The process of drawing up an insurance contract does not require much time, so you can receive an MTPL policy immediately on the day you contact the insurer. As a rule, filling out the documents takes no more than 30 minutes. If you choose the online procedure, the car owner will also receive insurance on the same day.

Most often, a person has to take out a compulsory motor liability insurance policy in another region for the following reasons:

purchasing a car (it can be either a new or used car) from a resident from another territorial unit, which needs to be transported to the region for further use;
buying a car at a car dealership by pre-order, which is located in another region;
purchasing a vehicle in order to use it in a region where the car owner is not registered, this may be related to work;
when they had not yet managed to register after a recent move.

If you decide not to bother and don’t want to purchase MTPL insurance in order to drive a vehicle from someone else’s region to your own, then there is the possibility of earning a fairly large fine.

What should you do in cases where you are a guest in a foreign city because you are buying a car?

Is it possible to purchase MTPL insurance not at the place of residence, but where the purchase was made?

CP (price per policy) = BS (basic accepted OSAGO tariff) x Kp (adjustment factor)

There are factors that can influence KP:

the age of the car owner, his experience, as well as the experience of drivers who can drive this vehicle;
vehicle characteristics;
the number of people allowed to drive a car, or the presence of a mark indicating that there are no restrictions;
the place where the owner of the car is registered - for rural residents, insurance will be cheaper than for city residents;
information about the absence of accidents - if the client often has accidents, even through no fault of his own, the cost of insurance will be more expensive;
insurance region.

The price of insurance for people living in big cities is usually more expensive than for peripheral residents. For example, for metropolitan citizens the territorial coefficient is 2, and for Voronezh citizens it is 1.5. This coefficient is different and is considered for each region separately.

The difference between territorial coefficients occurs due to the amount of compulsory motor liability insurance fees that the insurance company receives, as well as through accident rates and the amount of its loss ratio.

If the level of loss in the region is quite high, then compulsory motor liability insurance will be much more expensive. As a result, we can observe that the territorial coefficient can be 150, or even 200% in the territory of one region.

Knowing about these nuances allows you to save quite a decent amount; you just need to travel to a foreign region.

In accordance with the law in force in our country “On Compulsory Motor Liability Insurance”, a citizen of the Russian Federation has the right to enter into an agreement with any insurance company with the purchase of a Compulsory Motor Liability Insurance policy throughout Russia, in any subject, regardless of the region in which he has a permanent residence permit.

To draw up an MTPL contract in another region, the car owner must provide the following series of documents to the insurer:

Passport of a citizen of the Russian Federation, or military ID;
The right to drive a vehicle with the appropriate category;
PTS – vehicle passport;
A diagnostic card indicating that the vehicle has passed a technical inspection (the validity of this document at the time of insurance must be at least 1 month);
A document confirming the purchase of a car (collateral obligation, purchase and sale agreement, or loan agreement).

Many insurance companies, when applying for an MTPL policy, want to receive a “Vehicle Registration Certificate” from the car owner. In the absence of this document, when purchasing a car in order to drive it to a neighboring region and register it there, the driver can issue an insurance contract for temporary registration numbers for up to 20 days.

After this period, the owner of the vehicle is obliged to register the vehicle, obtain full license plates and draw up a permanent document in which the new license plates will be indicated.

The basic tariff for issuing MTPL policies is common throughout the Russian Federation. But, despite this, when calculating the cost of an insurance policy, a special coefficient is used, which has its own meaning in each subject of the country; this significantly affects the cost of the service provided in different regions.

SP – full cost of the insurance policy;
BS – base cost;
Kp – special coefficient.

This is interesting: Form 9 reflects temporary registration for 2021

A driver can drive without a compulsory insurance contract only for ten days after purchasing a car, receiving it as a gift or inheritance. If, after the specified period, the vehicle is not insured, its owner will receive a fine of 800 rubles.

If the driver has entered into an MTPL agreement with the company, but does not carry an insurance policy with him, the fine will be 500 rubles.

Read about possible sanctions in the article “Fine for driving without insurance.”

Car insurance for a limited period of up to 20 days is provided for cases where the car was purchased in another locality and permanent license plates have not yet been obtained for it, and it is required to transport it to another region or city.

The validity period of the policy is related to the validity of temporary numbers - up to 20 days. The insurance conditions are standard, as well as the list of persons allowed to drive.

Registration of a temporary policy has features, which include:

The need to remove the car from its permanent place of registration with the traffic police for transportation to another point with a transit number.
Driving a car to another region for ongoing technical inspection and obtaining permanent license plates.
Selling a car and moving it to another region to be received by a new owner and registered with the traffic police.

Thus, we can highlight the main feature of temporary compulsory motor liability insurance - the possibility of liability insurance in the absence of permanent numbers. This allows you to significantly save on the service and protect your property from risks associated with transportation.

When using a temporary policy, there are both pros and cons.

Positive features include:

Saving on insurance services.
Possibility of obtaining compulsory motor liability insurance for the duration of transportation.
Registration according to the standard package of documents.
Obtaining insurance services for the period of absence of permanent license plates on the car.

Limited validity period with the need to extend in case of transportation delays.
The need to obtain a permanent policy after changing numbers is an additional step that requires time and the preparation of official documents.
There is no need to obtain a temporary policy when undergoing a technical inspection and obtaining a diagnostic card.

The procedure for obtaining a temporary MTPL policy is practically no different from issuing a standard set of insurance services. Registration is carried out by insurance companies, from which it is recommended to choose large ones that guarantee payments in case of unforeseen circumstances during the transportation of the car.

The rating of 7 large organizations in Russia includes: Alfa-Insurance, VSK, VTBSrakhovanie, Ingosstrakh, Max, RESO-Garantiya, Rosgosstrakh. An insurance broker will help you choose the most favorable conditions.

Temporary insurance is provided for by Law No. 40-FZ. Its validity period is set at 20 days, which can be extended if necessary, subject to obtaining a new policy. The minimum issuance period is 5 days.

After the period specified in the policy has passed, you must obtain insurance using permanent numbers. Failure to comply with this requirement will result in heavy fines for the car owner.

According to current legislation, failure to conclude a motor vehicle liability agreement does not entail the imposition of fines only if the vehicle is owned for less than 5 days.

A temporary policy allows you to save significantly when transporting a vehicle due to its limited validity period, which is much cheaper than purchasing an annual set of services. However, for each day of renewal the price is much higher than in the case of permanent insurance.

The cost of temporary compulsory motor liability insurance is calculated taking into account the following indicators:

The owner of the vehicle is a citizen or legal entity.
Type of car – passenger or truck.
Engine power.
The age of the vehicle operator and his driving experience.

Taking into account the presented data, using the example, you can calculate according to the coefficients:

The power of a passenger car is 1.1.
The insurance period is temporary – 0.2.
Driver's age and experience - 1.7.
Class - not used.
Trailer is not provided.
Region of operation – none, transit transportation.
Period of use – no.

Thus, the price depends only on the calculation period; other indicators are used in the same way as when applying for permanent insurance. On average, the cost of a temporary policy is 20% cheaper than the main one.

In addition to the insurer's office, there are several other options for obtaining a policy:

Insurers operating 24 hours a day, 7 days a week should contact trusted companies to avoid fraud.
Insurance brokers - they work simultaneously from several companies, helping to select services on the most favorable terms, taking into account the circumstances of insurance, have complete information about tariffs, locations of company offices, provide advice, and simplify the procedure for obtaining a policy.

It is also possible to connect your insurance service online. To do this you need:

Select the official website of the company.
Order a service, the code will be sent by email for confirmation.
Filling out a temporary insurance policy.
Signing the application and policy using an electronic signature.
The completed form is sent to the insurance agent via the Internet, and confirmation is received by email or by phone call, or in another way.
When providing a detailed calculation, payment is made in any available way - by card, cash, bank transfer, etc.

If you have doubts about choosing an insurer, you can contact the official representative offices of large companies to obtain a list of organizations providing services for issuing compulsory motor insurance on a temporary basis in the region where they are located.

Any person who has proof of ownership of the vehicle can sign the contract. This can be any legally capable person for whom a purchase and sale agreement or a power of attorney for management has been drawn up.

This is interesting: Storage of weapons at the place of temporary registration 2021

When applying for a compulsory car insurance policy, many criteria are taken into account, among which are:

insurance period;
period of use of the car.

The insurance period is a certain period for which the policy is issued (otherwise it can be called the validity period of the insurance contract).

To purchase a compulsory car insurance policy, a certain set of documents is required, discussed in detail earlier. However, there are situations when some documents are missing. What to do?

By temporary registration

When purchasing a compulsory car insurance policy, the territorial coefficient, which affects the cost of the vehicle, is of particular importance.

The first action that must be taken when owning a vehicle is to purchase compulsory motor liability insurance; without it, driving a vehicle is prohibited.

Russian legislation provides for a fine for the absence of an MTPL insurance policy. What is compulsory motor liability insurance and is insurance required when registering a car? This question is asked by people who have purchased a new vehicle.

The only correct answer is yes, and the sooner you apply for it, the better, since compulsory insurance is provided for by law.

To register a car at the State Traffic Inspectorate there is a list of required documents.

One of them is the MTPL insurance policy. It will take about an hour to issue an insurance policy for your car. There are several important nuances that will be discussed in this article.

Registration of the vehicle is required before using it.

It is important to note that vehicle registration does not affect ownership, but only connects a specific person with a specific vehicle.

And here we are faced with compulsory MTPL car insurance for the first time.

So, for example, a citizen registered in Yekaterinburg can apply for a policy in Novosibirsk.

To find out whether it is possible to issue compulsory motor liability insurance in another region in 2018 and how to issue a compulsory motor liability insurance policy in another region, you do not need to study special instructions.

The procedure for obtaining a compulsory car insurance policy is uniform throughout the Russian Federation.

Modern insurers do not have the right to violate the legally established procedure in one way or another and impose special requirements when applying for compulsory motor liability insurance for drivers living in other regions.

Russia, as a state, occupies a fairly large area. Its federation includes a large number of regions with different populations.

This is automatically reflected in the number of cars in use and in the degree of risk of possible accidents, which also depends on the number of cars on the roads.

All this is taken into account in the process of calculating the basic insurance rate accepted in a particular region.

The law explains in detail whether or not it is possible to issue a policy in another region, and gives permission to issue insurance in absolutely any area of the Russian Federation, but some companies may refuse to enter into an official car insurance agreement with the driver.

Refusal when trying to resolve the issue of whether it is possible to buy compulsory motor liability insurance in another region is usually justified by the fact that in a particular region there is no official representative office of compulsory motor liability insurance; it is not possible to issue a policy on the spot. You need to know that this refusal is illegal.

If a person only has a temporary registration to insure a car, he must do this:

Sources

topurist.ru: How to get insurance for temporary registration of the owner, legal advice
9111.ru: OSAGO for temporary registration

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