How to apply for a green card for a car

Cost of a Green Card in Belarus in 2021

Insurance cannot be extended , so when going on a trip, correctly calculate the number of days for which you are applying for a Green Card. When leaving the country, border guards have the right to check whether you have valid insurance.

If force majeure occurs, you are forced to stay for a longer period and you will need another insurance, then ask your friends or relatives to take out a policy and send it to you by express mail (DHL, Fedex). You can also check when the next flight is, come to the airport and give it to someone in line at check-in.

You cannot apply for a Green Card in a country where your car is not registered . Very often in Eastern European countries, Latvia, Lithuania, and Poland, there are cases where motorists buy fake Green Cards.

Abroad, in some countries, you can buy “MTPL insurance for foreigners,” let’s call it that, which will not be a Green Card, but will allow you to drive in one country.

This policy is a mandatory document that provides car owners with civil liability insurance when driving their own vehicles into any of the forty-seven participating countries (including Belarus). The country's legislative body issued a resolution stating that every car owner leaving the borders of his country must have a Green Card policy in his hands. Without such a document, it is prohibited by law to leave the borders of your state.

The law states that the Green Card insurance policy can be obtained by:

• any individual;
• legal entities or companies that intend to operate vehicles for travel in accordance with the law.

Pole provides liability insurance for the driver of a vehicle, but the vehicle itself is not insured. In simple words, let's say this: when concluding this insurance contract, the company that signed it will reimburse all costs that may be incurred in an accident if the insured person becomes the culprit of the accident. If the policyholder's fault is proven, the insurance company will compensate:

• damage to property;
• costs of restoring the health of injured DDP participants;
• carrying out various examinations.

If an accident occurs on the road, the driver must simply present the document to the injured party or the traffic police. All further work, which involves compensating for losses, falls on the shoulders of the insurance company. She will complete all the steps independently, without the participation of the car owner.

This insurance document provides several features:

1. An international motor liability insurance policy provides for a specific validity period. A “Green Card” can be issued for twelve months; it is not allowed to issue a document for less than fifteen days.
2. After payment and signing of the contract, the policy will begin to operate in one month.
3. You can purchase an international insurance policy only if you have compulsory motor liability insurance.
4. OSAGO must provide for the same validity period as the Green Card policy.

If, when checking documents, the driver does not present an insurance policy to the traffic police, he may be fined a substantial amount.

Checking the Green Card policy for authenticity in 2021

Russians planning to travel around European countries in their own car should take out insurance, called a green card. If there are doubts about its authenticity, then before traveling abroad you need to check your green card, which can be done quite quickly.

Why is it necessary?

A green card is a type of insurance that, in foreign conditions, will provide coverage for damage to the injured party if the policy owner is the culprit of the accident. Checking the green card is necessary in order to verify its authenticity before crossing the border, since if this is found out already on the territory of another country, then penalties cannot be avoided. Verification is necessary in cases where insurance is purchased from brokers, and this often happens when, due to lack of time for paperwork, the policy is purchased before crossing the border, and there is a possibility of running into scammers and receiving a false document. In these cases, it is necessary to make sure that the policy is real, and in 2021 it is possible to verify the authenticity of the green card.

Verification options

The state seeks to protect its citizens traveling abroad by car from the attacks of fraudsters and has provided various ways to identify counterfeit policies. How to check the authenticity of a green card? First of all, you should carefully inspect it before purchasing. If there are any seals or stamps on the policy, then it is advisable to refuse to purchase it, since they should not be on the original document. The same should be done if the country code and policy number are written on the form by hand - they must be printed.

You should know that the price of insurance policies for the same type of vehicle is the same in all companies. Therefore, if a broker offers to purchase a green card at a price lower than the official one, then it is probably a fake, since no insurer will work at a loss.

Only insurance companies that have permission to do so from the Russian Union of Auto Insurers (RUA) have the right to sell green cards. If the policy is purchased from a little-known company, then using the RSA database you can check whether it has the right to engage in this type of activity.

Large insurers, in the interest of combating counterfeiting, have created the ability to verify the authenticity of policies on their websites. For example, if it was purchased from a broker, then you should go to its official website and in the appropriate section, use the document number to determine whether it was actually issued.

Through the Internet

Just as you can issue a green card for a car online, an already purchased policy, if necessary, is checked for authenticity in real time. This service is provided free of charge by some portals where green card verification can be done online. To do this, on the appropriate page you need to indicate the policy number and obtain the necessary information. In addition, if there is no Internet, you can request it by mobile phone. To do this, you need to send an SMS message with your insurance number.

If the policy turns out to be fake

In the event that a motorist discovers that he has become the owner of a fake green card before leaving his country, he should contact law enforcement authorities with a statement about what happened. To travel abroad, you will have to spend money on a new policy.

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What are the responsibilities?

If the fact that the green card is fake is established abroad, then its owner will face administrative sanctions. However, you should know that the amount of the fine for driving without insurance or with a false insurance policy is the same and is established by the legislation of the country where this happened. In Russia it is 800 rubles, in Western European countries it reaches 1000 euros.

In addition to paying a fine, a driver whose policy turns out to be counterfeit will have to purchase a local compulsory motor liability insurance policy in order to continue to travel around the country of residence. This is disadvantageous as it often costs more than a green card. In addition, if he caused an accident abroad, then he will have to cover all the damage himself.

Conclusion

A green card is one of the mandatory documents that every driver traveling abroad must have. Having a green card guarantees that if its holder commits an accident, the damage caused to the injured party will be covered. When buying a policy, you should make sure of its authenticity, since if it turns out to be fake, the owner will face penalties.

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List of countries participating in the Green Card system

Among car owners, the urgent question arises about purchasing a Green Card to Belarus 2021 at an affordable price while planning a trip to a neighboring country. We suggest you understand what insurance is and how it works.

The Infull Internet portal provides an up-to-date database of Russian insurance companies specializing in the sale of Green Card insurance for Europe, Belarus and other countries at the best price in 2020-2021.

Buying “Green Card” insurance in Moscow for 2020-2021 for a car to Belarus online is an opportunity to insure the car owner’s civil liability to third parties. The main purpose of the document is to promptly resolve all controversial issues that may arise in the event of an accident.

Using the Infull insurance service, you can buy a “Green Card” policy in Moscow for Belarusians, valid throughout Russia.

Insurance must be presented in the following cases:

• The driver of the vehicle caused harm to the health of road users. The policy will cover treatment costs.
• Damage to property was caused. Compensation is paid for the restoration of the vehicle.

When applying for a Green Card for a car in Belarus 2020-2021 at an affordable price, you will need:

• Fill out an application.
• Passport of a citizen of the Russian Federation or certificate of registration of a legal entity.
• PTS.
• Other vehicle registration documents issued by the State Traffic Safety Inspectorate.

• Do you need a green card for Belarus?
• Do all cars need a Green Card?
• Details

Despite the fact that intergovernmental agreements have been concluded between the Republic of Belarus and the Russian Federation, the presence of a “Green Card” is a mandatory condition when entering the neighboring country. If a tourist does not have a policy, he can count on a fine of 3.5 thousand rubles. You shouldn’t take such risks, because a green card will protect you from possible payments to third parties in the event of an accident, and they can reach hundreds of thousands of rubles.

When visiting the Republic of Belarus, all vehicles need a policy, including those that are not covered by compulsory motor liability insurance:

• Trailers (for cars, tractors and trucks);
• Tracked vehicles;
• Mopeds with an engine capacity of less than 50 cm3.

• Do not forget about the features of car insurance policies: Russian compulsory motor liability insurance does not apply in the Republic of Belarus!
• If you issued an insurance certificate for a year, went to Belarus for a shorter period (for example, 2 months), returned home and decided to cross the border again, then the document will continue to be valid.
• In Russia, a green card can only be issued for cars that are registered in the Russian Federation and have a Russian state license plate (even a transit one). However, for cars with transit license plates, the policy period is limited to 1 month.

• 01 Green card - issued in Russia. The cost of the Green Card policy is approved once a month (every 15th day) by the Russian Union of Auto Insurers and is the same for all insurance companies.

or

• 02 Border insurance policy - can be issued at the border. Tariffs are approved by the Belarusian Bureau of Transport Insurance.

Using a vehicle in road traffic on the territory of the Republic of Belarus without a contract of compulsory insurance of civil liability of vehicle owners entails a fine of 20 basic units, which is approximately 16,000 Russian rubles

In case of an accident, the procedure is as follows:

• Report an accident to the traffic police;
• Record the license plate(s) and make(s) of the vehicles involved in the accident;
• Exchange information about insurance certificates (policies);
• Obtain a traffic police certificate confirming the fact of the accident;
• Keep documents confirming expenses incurred in connection with the accident;
• Visit the office of the insurance company if you are a victim in the Russian Federation and provide the relevant documents.

Payments under the Green Card policy in Belarus are made within limits, the amounts of which are significantly larger compared to payments under compulsory motor liability insurance in Russia:

• For each victim: € 10,000
• For all victims: € 30,000
• For each vehicle: € 10,000
• For all vehicles: € 30,000

A green card from Rosgosstrakh gives the motorist numerous advantages. Let's look at each in detail:

1. In the event of an accident, the insurance company compensates for property and physical damage to the victim.
2. The driver can confidently drive his “iron friend” outside his permanent place of residence.
3. Each driver can buy a contract form in the office or remotely. In the second case, the agent will deliver the policy to the specified address at any convenient time.
4. Favorable rates.
5. To obtain protection, a minimum package of documents is required, which every driver has at hand.
6. There is no need to provide the car to a company employee to conduct a visual inspection for damage.
7. 24/7 customer support, toll free.

When calculating the insurance premium, the group the country belongs to is taken into account. If we talk about Belarus, it is in the group “Ukraine, Belarus and Azerbaijan”. Finland is included in another section, namely “Other countries”.

As for tariffs, they are approved by the company’s internal rules and are not made available for public study. If desired, each client can use the calculator on the official website of Rosgosstrakh and find out online the cost of a green card for their car.

Approximate cost of the policy in Belarus:

Approximate cost of a policy to Finland:

As you can see, in terms of cost, tariffs at Rosgosstrakh are higher for countries that are included in the “All countries” category.

Why do you need a Green Card?

This is what a green card for a car looks like.
The Green Card Agreement has been signed by up to fifty countries. It simplifies the insurance compensation procedure, unifies it, and makes it understandable, regardless of citizenship. Every citizen of a country party to this agreement who travels to other signatory states can count on uniform, universal (with some individual features) conditions for protection from troubles on the road.

The Green Card includes the following:

1. The victim of the actions of a foreign driver is compensated for the damage caused;
2. Material and other claims are settled within the amounts provided for in the insurance agreement (the amount is determined by the national law of each signatory country and therefore varies);
3. Permission to enter European countries with this policy, which operates according to the rules provided for by EU legislation.

But this card comes into effect only in the event of road traffic accidents (RTA). If the car is stolen, it is damaged as a result of the actions of hooligans, some kind of natural disaster, etc., this does not apply to the insured event under the “green card”.

For reference! On the territory of the Russian Federation, it is not the “Green Card” that is valid for Russians; it is intended for foreigners, but the MTPL insurance contract.

Validity period of the Green Card

You can buy a “Green Card” for different periods – from 15 days to 1 year. In the first case, the validity of the policy will be calculated in days. If you need to leave for 20-25 days, you will have to draw up a contract for 1 month, no less.

When issued for 1 month or more, the policy validity period is calculated as follows:

1. The basis is the day in the month from which the contract begins to operate;
2. In the month in which the policy expires, the same number is taken and one is subtracted from it - this is the last day in which the Green Card is valid.

This procedure applies in any case, regardless of how many days in the months during which the Green Card is valid. For example, if a tourist has issued it for 1 month from February 12, it ceases to be valid on March 11. And if he issued it for two months from December 15, the last day on which you can receive insurance compensation is February 14.

Some nuances

There are two forms of the Russian Green Card certificate.

The agreement in question is filled out and signed on a formalized form. On the territory of the Russian Federation, two types of forms are available for citizens traveling abroad. One is issued for visiting neighboring countries - Belarus, Ukraine and Moldova. The second is for all other signatory countries.

Such forms in Russia are issued by Gosznak, several levels of protection are applied to them - watermarks and a metallized stripe, and forgery is subject to criminal punishment. Each of them has an individual number and includes 4 pages, 3 of which are issued to the policyholder. In case of an insured event, one of the pages is given to the victim.

Countries of validity of the Green Card

In total, there are 48 countries that are signatories to the Green Card system. This is not only all European countries. Some states in Africa and Asia, the Middle East, such as Morocco, Tunisia, Israel, Turkey and Iran, are also participants in this system. Several other countries of the former USSR are planning to join the system (for example, Kazakhstan).

Russia joined the system in 2009, thereby becoming more attractive for foreign tourists to visit by car. In addition, Russians traveling abroad have become more comfortable and easier with paperwork and insurance.

Full list of countries where the Green Card is valid:

Cost of a Green Card for a car

The cost of the Green Card changes every month, both up and down.
When taking out a policy in Russia, the cost does not depend on the country where the tourist is going, but on the type of vehicle and the period for which it is issued. For example, the price for a “Green Card” for 15 days is 2,450 rubles. If you have a trailer – 3180 RUR.

Insurance for a month will cost 4,670 rubles, for two – 8,670 rubles. and for a year – 22,240 tr. If you take out a policy, for example, in the Republic of Poland, then the cost will increase to 28 thousand rubles. Therefore, it is recommended to take care of insurance before leaving the Russian Federation, so that the prices for the Green Card are not shocking.

Approximate cost of the policy for some types of cars as of April 2021:

Current prices can be viewed on the official RSA website

For reference! Tariffs for the Green Card do not take into account criteria such as the experience of the policyholder and his accident-free driving rate. If you have a trailer, a separate policy is issued for it.

You can replace the Green Card with another type of insurance. This is relevant for trips to neighboring countries. For example, an analogue of the Russian MTPL for foreigners in Belarus will cost 750 rubles. Moreover, its validity period is 1 month.

What determines the amount of compensation?

If we consider the issue of compensation for an insured event, it should immediately be noted that there is no single tariff, because each country participating in the Green Card system reserves the right to rely on its own legislative acts and formulate the amount of payments for different insured events.

The amount of insurance depends on the territory (state) where the accident occurred. Tariffs are set by special authorized representatives of the Green Card Bureau.

Note that in some countries there is no upper limit on the amount of payments, because losses to the victim are compensated by an insurance card.

But most states adhere to a system with limits for such amounts, so if there is a difference between the amount of damage and the amount provided for in the insurance contract, then this falls on the culprit of the situation.

Statistics show that Russian motorists quite often become involved in road accidents in other countries. 80% of emergency situations are covered not by the insurance company, but by the owner of the Green Card.

The most common causes of accidents are:

• unknowing of the language;
• Ignorance of traffic rules;
• lack of awareness of local legislation.

The cost of compensation is influenced by the following factors:

1. The territory where the insured event occurred, because insurers in each country put forward their own amounts of payments.
2. Type and scale of damage (determined on the basis of the conclusion of law enforcement agencies, certificates from medical institutions).

If the incident took place in Russia, and the culprit is a citizen who bought a Green Card on its territory, then he will receive compensation under his OSAGO policy, and not under the Green Card.

Let us note that in our country there is a system with a limit; the insurer informs about its size.

Checking Green Card by number

When traveling by car outside the Russian Federation, you must have a Green Card. A green card is a kind of compulsory car insurance policy that is valid on the territory of any foreign state.

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Like MTPL, a special card insures the car owner’s liability to third parties. When an insured event occurs, the amount of damage compensation is assessed according to the laws of the country in which the road accident occurred.

The green card can also be faked, so to avoid unpleasant situations, it is recommended to check the originality of the policy.

Why is a policy check necessary?

Fraud in car insurance is a fairly common phenomenon, which arises due to the widespread use of this service.

A false insurance policy may result in:

• the need to independently pay for damage resulting from an insured event. The owner of a fake policy remains at a loss in three ways: payment for invalid insurance, payment for restoration repairs and/or damage caused to human health, payment for a new Green Card;
• imposition of an administrative fine for the absence of documents required by law for driving a vehicle (in the territory of the Russian Federation such a fine is 500 rubles ).

To minimize the risk of acquiring a counterfeit Green Card, it is recommended:

• purchase an insurance policy exclusively at the offices of insurance companies or online on the official website of the insurance organization (if such a service is available). Under no circumstances use the services of field offices or unaccredited dealers;
• check the insurance policy at the company's office.

Where can I check my Green Card by number?

It is almost impossible to determine the authenticity of the Green Card by its appearance, since the policy is filled out by the insurance agent in printed form.

However, it is recommended to pay attention to the following aspects:

• the document should not contain any seals, including the stamp of the insurance company issuing the policy;
• The Green Card form consists of four pages made of self-copying paper. The third page remains with the insurance company, and the rest are transferred to the owner;

After filling out, the insurer’s representative is recommended to check the coincidence of all data on separate sheets of the document, since cases often arise that the owner has one insurance amount and validity period, and the insurer has another.

• It is recommended to find out the cost of insurance based on the parameters of interest before contacting the insurance company. Knowing the cost of the Green Card makes it more difficult to become a victim of fraud;
• Only insurance companies that are members of the Russian Green Card Bureau can issue cards. The list of organizations can be viewed on the RSA website;
• Green Card policy number, highlighted in blue, has a green glow under ultraviolet light. You can check the presence of a protective mesh in stores or banks that have special equipment for checking banknotes;

Please note that the policy number is printed in the printing house and does not correspond to the insurance contract number printed when filling out the form.

• The original document also has security fibers in the “Zone” and the RSA watermark.

You can use other methods, which include:

• checking on various Internet resources, for example, the “insurance event” portal;
• verification via SMS message;
• call to RSA. The organization is obliged to monitor the activities of insurance companies and verify the accuracy of issued policies.

To check the authenticity of insurance in case of no Internet via SMS, you need to send a message with the following content to the short number 4448:

Instead of the words “insurance policy number”, indicate the corresponding details of the document specified when the document was produced in the printing house.

Within a maximum of 2 minutes you will receive a response message that may contain:

• an indication of which insurance company the document with the specified number is registered with;
• The document is considered lost.

In the first case, you can purchase insurance, since it is original, but in the second case, you cannot. This Green Card is a fake document.

The basic MTPL tariff in 2021 is shown here.

Procedure

The authenticity of the Green Card policy is checked by the series and number of the printed form of the document.

To check you need:

• enter the policy details into the form provided on the website;

• introduce symbols that confirm the reality of a person;

• Click on the “check” link.

As a result of the check, the following types of messages may be received:

• the form with this number is not listed or is considered lost. If you receive such a message, you cannot purchase insurance;
• a form with such and such a number was handed over to the insurance company for sale. This policy is an original document and can be purchased by the car owner;
• The form with the number is issued by X-Insurance Company and is valid until (date).

Such a message means that the document with the specified details has already “found” its owner, therefore, there cannot be a second form, that is, the document offered by the insurance company employee is a fake.

What to do if your policy turns out to be fake

The acquisition of a Green Card, as well as any other insurance policy, must be approached with the utmost care, otherwise the driver may face serious problems when traveling outside the Russian Federation.

What is recommended for a driver to do if the purchased policy turns out to be fake?

It is recommended to proceed according to the following scheme:

1. Do not use a fake policy under any circumstances, as this may result in an administrative fine.
2. If you cannot postpone your trip, purchase a new document, adhering to all safety recommendations.
3. Report to the RSA about the acquisition of a false document. You can do this in two ways:
   by sending a complaint by mail;
4. by filling out a claim on the organization’s website.

In each case, it is required to indicate where and under what circumstances the counterfeit document was issued. If the name of the employee who sold the form is known, then provide information for verification.

The following must be attached to the complaint:

• a copy of the issued Green Card policy;
• insurance contract (if the document was drawn up upon purchase);
• a copy of the receipt for payment of the insurance premium;
• a copy of your civil passport and driver's license;
• copies of documents indicating the registration of the vehicle with the State Traffic Inspectorate.

30 days are allotted for consideration of the received complaint. During this time, RSAs are obliged to check the information received and, if it is found to be accurate, return the money spent to the insurance owner.

If a fake policy is purchased from an insurance company, the organization may be limited (deprived) of a license to distribute the Green Card insurance product.

If the falsity of the policy is detected at customs, then:

• you will need to purchase the original document;
• upon arrival in Russia, send a complaint to the RSA according to the above scheme.

If the falsity of a document is discovered by police officers in another state as a result of an investigation into the causes of a traffic accident, then:

• the owner of a fake policy is obliged to pay a fine at the rates of the host country for the lack of required documents;
• fully compensate for the damage caused to the victim from his own funds.

After arriving in the Russian Federation, send a complaint about the purchase of a fake policy. The money spent, including the costs of paying for the damage, must be recovered from the insurance company through the court.

A green card is a kind of compulsory motor liability insurance policy valid outside the Russian Federation. To avoid becoming a victim of fraudsters and purchasing a fake document, it is recommended to purchase a policy exclusively from insurance organizations that have the right to distribute this type of insurance.

When purchasing, you should not neglect your right to timely check the document using one of the methods described in the article.

Download the application for direct compensation for losses under OSAGO on the page.

Video: why do you need a green card and how to use it?

• Due to frequent changes in legislation, information sometimes becomes outdated faster than we can update it on the website.
• All cases are very individual and depend on many factors. Basic information does not guarantee a solution to your specific problems.

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