According to the law, compulsory motor liability insurance is a mandatory document for all drivers, so failure to comply with it is fined, and the issue of meeting deadlines remains very relevant. Because of this, many vehicle owners are interested in whether it is possible to obtain this car policy in advance or extend it until the end of the current validity period.
Re-concluding a contract in advance is necessary in quite common cases, and it is important to figure out how many days before the expiration of the current insurance you can conclude a new version of the deal. What circumstances should you pay attention to in this situation?
How to buy a new policy if the old one has not expired?
Domestic legislation in 2021, in principle, does not limit the right of drivers to take out new insurance if the validity period of the old copy has not yet expired. Such a prohibition is not contained either in the law on compulsory motor liability insurance No. 40, or in other insurance rules of the Central Bank of the Russian Federation or related regulations.
At the same time, it is worth remembering that by default, every car insurance contract is public, so it has significant restrictions. For example, the Civil Code of the Russian Federation and road safety requirements imply for such contractual relations the seller’s obligation to conclude a new transaction at the buyer’s first request.
From this it follows that the company is obliged to sell the mentioned service. But at the same time, the law allows firms to consider any application for a whole month (Article 445), and allocates another month for discussing the protocol of disagreements.
How many days before the expiration date can I apply?
In fact, early receipt of the next MTPL policy is allowed only 30 days before the expiration of the previous document. But some organizations independently extend this period to 2 months, so more current and accurate information on this issue should be obtained directly from your company’s office. Although formally there are no strict restrictions and by law it is possible to buy new MTPL insurance for:
- day;
- week;
- month;
- 3 months or more.
Only sometimes insurers specifically refuse to issue insurance when there is a long period left before its validity begins. It is logical in such a context to clarify that a request to issue a policy with a start date of more than 1-2 weeks may result in a refusal from the company. But in this case, your rights as a client will be violated.
So the option of filing a response complaint is also not very appropriate here. If you start filming or demanding a written argument for refusing a request to sell insurance much earlier than the start of the action, then the representative may immediately change his decision, because then there will be a good reason not to sell you the policy.
According to Art. 426 and 445 of the Civil Code of the Russian Federation indicate that car owners have the right to agree on the terms of insurance under MTPL for about 30 days. And in order to regulate the protocol, the regulations also provide the same period - a similar extension rule was relevant until 2015.
Previously, drivers bought a motor vehicle license almost 60 days before the old version expired, doing so ahead of schedule. But then RSA began to re-fix tariffs for Green Card agreements every month, so the previously agreed period was halved (to complete all registration procedures).
Therefore, already in 2021, you can insure a vehicle ahead of schedule by purchasing an MTPL policy online or directly in the office only 30 days before the previous contract expires. But you won’t be able to draw up a contract early - the insurance company will probably refuse if you perform such manipulations even 31 days before the expiration date of the old copy.
How to apply
The procedure for drawing up a new contract when applying before its expiration follows the standard renewal scheme. You are required to:
- Provide the insurer with a package of documents.
- Write an application for a new OSAGO policy. The law does not establish a uniform form of registration, so each company has its own template that must be followed.
- Pay the cost of insurance and present the corresponding receipt.
- Receive a document whose validity period coincides with the issue date. It can be in electronic or paper format, depending on your preference.
What documents will be required
If you plan to take out a compulsory motor liability insurance policy in advance, you need to take into account that this will, in fact, be the conclusion of a new contract. This means that you will be required to provide the same package of documents as when you first received the MTPL policy. This rule applies even if the extension is made with the same insurer that issued the current document.
So, in order to renew your insurance in advance, no matter how many days before its expiration you deal with this issue, you will need:
- original current policy;
- personal passport of the policyholder;
- driver's licenses of all persons who will be allowed to drive a vehicle (if limited insurance is issued);
- diagnostic card indicating that the technical inspection has been completed;
- certificate of registration of the vehicle and its title.
This list is required if the document is purchased or renewed in the standard way - through a visit to the insurer's office. But today you can apply for an extension online without leaving your home. Obtaining an electronic MTPL insurance policy is not associated with any difficulties and does not require much time. To complete it you will only need:
- fill in all the required fields (for which the above documents will be required);
- pay the cost of renewal (purchase);
- Receive it by email and print it.
Registration procedure
When considering the question of whether it is allowed to renew the policy in advance, it is worth emphasizing that this should be done at least a few days before the final validity period of the current OSAGO . To avoid unpleasant incidents, you should arrange such protection for your car in advance and choose from 2 purchasing options:
- If in 1-2 weeks, then the probability of refusal is minimal, because most insurance companies will issue a policy when it is necessary for it to start working 10-12 days earlier.
- When the period should be longer, then you will have to submit a written application (submit it in person, receive a return receipt, or send it by registered mail in order to have evidence).
Moreover, in the second case, it is worth officially applying no later than 2 months (60 days) before the current contract ends, if the driver does not want a significant time gap when he will have to drive without compulsory motor insurance due to a discrepancy in terms. For convenient registration, each client is provided with the best conditions. You can update your MTPL in another city or even region: in any locality where there is a branch of the selected insurer.
What documents are needed?
When proceeding directly to the procedure for re-registration (extension) of compulsory motor liability insurance, at the initial stage the driver will have to collect a standard set of documents. The list of required papers is in many ways similar to the set that is requested when concluding a new contract , therefore it includes in the list:
- passport of a citizen of the Russian Federation;
- PTS and inspection certificate;
- vehicle registration certificate;
- old MTPL policy (original and copy);
- application for contract extension;
- valid driver's license.
If several persons were included in the previous insurance at the same time, then at the same time it is worth presenting their passports and licenses - this applies to all persons who, in theory, will drive a specific car (except for special agreements that are drawn up for an unlimited number of drivers). And when a trusted person is involved in the registration, a notarized power of attorney is certainly added to the above certificates.
Where to contact?
When planning to draw up an MTPL agreement in advance, it is worth noting that such actions can only be implemented 30 days before the end of the previous policy. Therefore, in practice, you can renew an expired policy ahead of schedule using only 2 methods:
- At the auto insurer’s office (you need to personally visit a branch of your insurance company, collect and take a typical package of documents, show your old expired policy, wait for the due amount to be recalculated taking into account accident-free driving rates and a number of other factors - they may differ depending on the organization and region of residence).
- Via the Internet (motorists have the right to draw up a new contract online, if the selected insurer has its own portal with the necessary functionality - at least contacts for communication via email - similar actions should be taken, but all documents should be uploaded using a special form and the form should be filled out).
Despite the chosen option, the total period is still exactly 30 days, during which a Russian motorist can legally conclude a new insurance contract while the old one has not yet come to an end.
How long before the auto license expires can I get a new one?
Is it possible to get it before the expiration of the previous insurance period?
Typically, insurance companies have a standard procedure for accepting applications for renewal of insurance policies. Car owners are asked to apply for this service no earlier than a month before the expiration of the policy. Before your visit, you should prepare the following mandatory list of documents:
- Passport of the owner of the Vehicle.
- Driver's licenses of all persons authorized to drive a vehicle.
- Vehicle inspection certificate.
- Vehicle Passport.
- Vehicle registration certificate.
- A power of attorney signed by the owner, if the documents are prepared by a third party.
- Application for prolongation of compulsory motor liability insurance.
Registration cost
The procedure for extending civil liability insurance itself takes a fairly short period (no more than 30-40 minutes). The company representative is obliged to check the provided package of documentation, personally carry out the current calculation of the insurance premium and print out a new form. Only after this the driver should pay for the company’s services at the cash desk and sign the agreement.
Moreover, the cost of the next protection for a car and the tariff of the previous policy may not always be the same. Since organizations apply changed rates every year, the main coefficients are automatically adjusted.
So, when drawing up a new contract, the company’s managers will calculate the bonus again, from scratch: the final figure may change either up or down compared to the previous value. And when moving to another company, KBM for the previous year is rarely taken into account and the owner of the car will have to pay the full price without discounts and bonuses.
Is it possible to renew insurance in advance without the owner?
It is fundamentally important for motorists to remember that without a power of attorney, even persons legally included in the insurance policy will not be able to obtain a renewal.
The registration process, even for several drivers, only provides the right to drive a vehicle, but only the full owner has the authority to perform any manipulations directly with the insurance.
On the other hand, no matter what time and how many days before the expiration of the MTPL policy, only some citizens will be able to issue a new copy:
- the insured (usually the owner of the car, although in some situations the contract is signed by other persons - friends, relatives, colleagues - since the law of the Russian Federation allows insuring other people's cars, but both persons must be indicated in the policy);
- owner (being the policyholder, it is the owner of the vehicle who has the right to draw up an insurance agreement 30 days before the completion of the previous one);
- third parties (on behalf of the owner of the car, third parties can renew OSAGO online or at the insurer’s office, if the driver accidentally expired the old version of the agreement - then the renewal algorithm is carried out by general power of attorney).
To generalize, only a person who has previously been involved in documenting the protection of a specific car can make a new extension of compulsory insurance and repurchase a policy if the old one is expired or will soon expire. Renewal without the current owner of the vehicle is possible only with a previously issued power of attorney certified by a notary.
When should you renew?
How many days before the expiration of the MTPL policy can I issue a new one? 30 days before the expiration of the MTPL policy, the driver has the right to contact the insurance company.
During the visit, he must have documents from the list below to submit:
- Previous policy.
- The vehicle owner’s passport, as well as the driver’s licenses of all drivers to whom he has granted the right to drive a vehicle.
- Inspection certificate.
- PTS.
- Car registration certificate.
- Power of attorney from the owner if insurance issues are resolved by another person.
- A statement expressing the desire to extend the compulsory motor liability insurance policy.
All documents from the list will be useful when applying to the insurance company for a new policy. But this design method is not the only one. In the summer of 2015, a new service began to be provided to car owners in Russia - electronic issuance of an MTPL policy. Now you can apply for it via the Internet by entering the necessary information in the appropriate fields. As a result, they print out the electronic policy and carry it in the glove compartment or in a bag with other documents for the vehicle.
Now you know how long before the end of compulsory motor liability insurance you can issue a new policy.
When does the new policy come into effect?
It is important to understand that when a car owner completes another transaction, but the previous copy is not yet expired, the contract will begin to be in full force only the next day after the completion of the earlier version. Therefore, you won’t be able to use it for compensation - not only will you not be given compensation, but they may also revoke the agreement and, in return, be charged with fraud. Therefore, a fresh contract should be used only after the old MTPL policy has been canceled within the specified time frame.
Are there any discounts on renewal?
As practice shows, when renewing a contract with the same insurance company, a driver who is a regular customer of this particular company has the right to count on special conditions and benefits if he has proven himself to be a conscientious consumer. For example, a significant reduction in the total cost of regular insurance occurs when no accidents were recorded in the driver’s statistics during the previous period.
Many insurance organizations value their clients, so they periodically offer them pleasant bonuses. But if the policy expires, there is a risk that all benefits will be withdrawn altogether - you need to try to maintain your reputation during the period of validity of the compulsory motor liability insurance policy and be less likely to get into accidents.
If the insurance is expired
By default, checking the documents of all road users is considered one of the reliable methods of control by traffic police officers. The fact of having a car insurance policy, as well as a license with a registration certificate, is a mandatory requirement for all car owners.
Violation of this rule is subject to a fine, the amount of which is determined depending on the severity and type of offense committed.
Typically, insurance company employees 1-2 weeks before the expiration of the compulsory motor liability insurance policy warn the client about the need to renew the policy and offer several options to choose from. But many drivers still ignore this requirement and risk being penalized for:
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- Presentation of an insurance policy that has expired.
- Complete absence of compulsory insurance during inspection.
- Presentation of compulsory motor liability insurance issued for another car.
- Availability of a contract that is issued to another citizen.
As a result, the liability of the true owners of vehicles for driving with expired insurance is provided for under Art. 12.37 Code of Administrative Offenses of the Russian Federation No. 195. According to this regulatory act, the amount of the fine will be about 500-800 rubles, as in the case of the absence of compulsory motor liability insurance - a more precise amount is assigned on an individual basis.
If your insurance expires
What happens if the insurance documentation is expired? The driver risks paying a fine if he continues to drive on motorways as before.
But it is still worth remembering the following exceptions:
- You can drive another day after the end of your policy to renew your insurance.
- You can drive if you ordered a new one.
- In order not to run into fines, they show a special document to traffic police officers. He confirms that the car owner will soon receive a new policy.
If a driver has an expired MTPL, he has not taken care of updating it and drives a car to work, home, kindergarten, etc., he can be stopped by traffic police officers at any time. against him and he will be punished for driving without a policy by paying a fine . This penalty is imposed for late execution of the contract. You can avoid punishment by contacting the insurer by telephone or ordering its production via the Internet.
On April 3, 2002, the Federal Law “On Compulsory Motor Liability Insurance” was adopted. A week later, the Federation Council approved its adoption. Everything related to the validity period of the compulsory insurance contract is reflected in Art. 10.
The MTPL policy is obtained annually. In some cases it is valid for less than a year. After a year has passed, it is extended for another year unless the driver notifies the insurer of his cancellation two months before the expiration of the contract. After that, he can come to the insurance company any day and get new insurance. If he does not come for him on the due day, the insurer will not change the price of the policy, calculated taking into account the current tariffs, benefits and concessions for the driver, for another thirty days.
