Is driving allowed after buying a car without compulsory motor liability insurance?

Regulatory acts establish a ban on driving a vehicle without a motor vehicle insurance policy. However, in practice it is not always possible to follow this rule, since, having bought a new car, it takes time at least to get to the nearest insurer.

Therefore, legal documents establish a period for how long you can drive without compulsory motor liability insurance. It is 10 days. During this period, it is allowed to drive a car without the document in question.

The regulatory framework regulating this issue consists of the following documents:

• Code of Administrative Offences;
• Federal Law No. 40-FZ dated April 25, 2002;
• Traffic rules

They indicate that the policy is necessary to register the vehicle. It must be completed no later than ten days after the acquisition or change of ownership.

On a new car

There are no exceptions for a new car. The document processing period is the same - 10 days after purchase. However, very often they offer to purchase a policy immediately in the salon. This is very convenient because it saves time.

IMPORTANT! The salon cannot refuse a sale without insurance. The buyer has the right to refuse to purchase a car title and register it in any other place.

By a used car

If you purchase a used car, you can use the same rules. However, it must be taken into account that the countdown begins from the day the contract is concluded. Sometimes you can take advantage of this situation and if you can’t meet the deadline, you have the opportunity to rewrite the document and have an additional 10 days to move without insurance and technical inspection with a purchase agreement.

How many days can you drive without MTPL insurance under a purchase and sale agreement in 2021?

You have been planning to purchase a car for a long time and now an advertisement has been found and a meeting place has been set. As soon as all the documents and keys are in your possession and the money is transferred to the seller, you become the owner of the vehicle.

But in order to become a full-fledged owner, you need to register the car in the manner prescribed by law, and for this you will need insurance issued for the new owner - for you. This means that after the purchase, you need to apply for compulsory motor liability insurance.

According to Federal Law No. 40-FZ dated April 25, 2002, the owner of a vehicle is obliged to insure his civil liability before registering the car, but no later than 10 days from the moment the right to own it arises.

When the right to own a vehicle arises (acquiring ownership of it, receiving it for economic or operational management, etc.), the owner of the vehicle is obliged to insure his civil liability before registering the vehicle, but no later than ten days after the right to own it arises. (as amended by Federal Law dated July 1, 2011 N 170-FZ).

Part 2 art. 4 of the Federal Law of April 25, 2002 No. 40-FZ

But in this law there is nothing about driving this vehicle, therefore, we can say that you cannot drive without insurance. But, according to the high-profile case of the driver from Yoshkar-Ola, the Supreme Court gave some clarification regarding this issue.

The applicant’s reference to the contradiction of paragraph 2.1.1 of the Rules with the Federal Law of April 25, 2002 N 40-FZ “On compulsory insurance of civil liability of vehicle owners” is untenable. Clause 2 of Article 4 of this Federal Law obliges the owner of a vehicle to insure his civil liability before registering the vehicle, but no later than ten days after the right to own it arises. Consequently, before the expiration of the ten-day period allotted to the owner of the vehicle for concluding a civil liability insurance contract, the driver of such a vehicle has the right to drive it without an appropriate insurance policy, which directly follows from the contested norm of the Rules, which provides for the driver’s obligation to carry this insurance policy with him only in cases established by federal law.

Decision of the Supreme Court of the Russian Federation dated April 17, 2012 N AKPI12-205.

This means, based on this decision, we conclude that driving a vehicle within 10 days from the date of purchase of the car without insurance is possible.

But do not forget that during this period an accident may occur, and then all responsibility for the damage caused will fall on your shoulders.

USEFUL INFORMATION: Submit documents for a tax deduction when purchasing an apartment

Permissible period for driving a car without a policy, if there is a purchase and sale agreement

When purchasing a car, the fact of its receipt is confirmed by three main documents:

• agreement (DCT);
• act of acceptance and transfer (usually an appendix to the first document);
• receipt of mutual settlements.

Related article: Help with compulsory motor liability insurance

How long you can drive without insurance under a sales contract in 2020 is determined by regulations. 10 days are allotted for obtaining a motor vehicle license. If at this moment a document check is carried out, it is necessary to show a recent policy document that confirms the recent purchase . It gives the right to drive without compulsory motor liability insurance after purchase for a specified period.

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The main part of our project team is insured by Tinkoff. Imagine our surprise when we started analyzing the company and found out that it is considered one of the best